it's a form of de-stress lor correct, because I , no because I want to destress myself, because is is, it is like a (ppc) something that psych me up lor the ice cream


ya, ah you know you know ah funny you know at one stage ah, ah at one stage I had six different brand of ice cream in my fridge you know, until I don't know right I go and take take out and see that I was quite shocked leh


you know ben and jerry lah then don't know what brand lah six type you know, all eat it halfway halfway because I change mah, one person I eat six you know crazy or not, !whoa!


one-shot ah one-shot, is it okay, okay okay


okay okay okay okay, what other negative experience you have, ah oh bad mood


but yours is like always uh, come back or is like, one year few times or what, easily you get the sinus back or what


can hear me juliet, (hmm) can hear me, oh (uh huh), (uh huh) ya


how come ah, (hmm) no taste lah, because of the sinus lah


ah okay, ya ya ya ah


okay what is the saddest moment of your life, what is the saddest moment of your life, saddest saddest moment of your life very sad lah, oh


(hmm), oh okay


okay, for me ah saddest one is uh (ppc), okay so sorry ah juliet


you okay


you okay or not, okay ah, we talk about something else I don't talk about this, okay , what is the one thing you wish to change but never


never be able to change, character right how character how to change, character ya


I think is character lah cause character you cannot change overnight lah, cause really very difficult, ya, what other things you want to talk about


talk myself ah , sad thing ah sad things, oh, when my mum lor suddenly have this sickness lor


oh because it's very unexpected, because uh around, ya


ya ya ya right, ya, ya ya


then very difficult to handle lah, , ya correct, ya, what's some of the things is cannot be avoided lah but then when you compare to other people you feel much uh fortunate lah


more fortunate lah ah, ya alright , then uh other than, what makes you stress


you ever encounter very stressful uh incident or not, work stress


very a lot of politics lah


worsen lah, oh


ya, how come cannot see your picture, cannot see the #li ting# one also leh


oh she offline okay, ya, now cannot see just now can see now cannot see, ah behind the scene lah okay


actually work lor work stress really affect our health lor, , your fourteen days enough to use or not


your fourteen days MC enough to use or not, enough ah okay, health more important lah ya


ya lor true lor correct, ah ah yes, ya


oh okay but is it effective, oh okay


affect affect your sleep lah this medicine, this medicine actually affect your sleep


ya, but actually ah on a long term medication is also not advisable lah, ya lor, cause it's a drug mah you also won't know what side effects actually it has


ah oh okay , ya ya phlegms lah correct, okay


what other uh bad experience we have, what other bad experience other issues we we face in life, , I think most of the time is positive lah not not so much of negative lah


not so much of negative lah, !huh!, negative uh is I think in terms of work lor, in terms of work lah


I don't think negative lah, !huh! I very positive hor I very positive during my my, my previous job you should see how I work lah very negative lah sometimes


, don't know why I can last so long eh now you ask me ah uh work for a company for so long I don't think I can make it lah, ya, ya ya correct


ya ya it's true it's true, ya, bad news ah oh, no lah just a emotion lah just a emotion


ya , ya lah correct


!huh! is it ah, oh so you cannot you cannot watch lah sad movies ah, !huh!, you cannot watch lah ya


ha ha ha cannot watch ah, you mean you very soft lah by nature you very soft lah, by nature you are very soft, oh, oh is it


ya lor like very strong-headed leh, oh, oh , no ah, funny


ya, ya, ya lah ya


you have your own principle lah, oh ya ya correct, ya, we are very direct lah we cannot let people uh


actually say the wrong thing about us ah, ya ya


ya, ya , ya ya, so you become very strong lah


ya ya, (mmhmm), most of the time I happy leh I think


then angry for the moment lah but then if uh I cannot let people say wrong things about me lor, oh oh, so I actually will, of course lah of course lah I'll just tell the person off


no lah fierce lah fierce in in, no I will give people chance lah like last time I my sister I always give her chance lah but then in the end


she don't know how to control lor and then, ya so I, ya ya ya I very patient leh, ya I very patient I very patient


a lot of people say I I extremely patient you know, even my customer also say !wah! you very patient [leh]


can, juliet you go first you go first, you go first


!wah!, very healthy leh, you very healthy leh I think


you don't eat pork right don't eat pork don't eat chicken right, (ppc) (ppc), uh english I don't know


ha, skip lah skip lah skip lah I know can already I know english you call that meh, okay !huh! got spicy


Laksa one lah is it, Laksa Laksa one ah oh dry noodle one dry noodle one lah, oh okay you like that one okay


so your #yong tau foo# is all uh fried or non-fried, oh #gao ji# ha #gao ji#


#gao ji# lah the chinatown that one lah famous chinatown, #gao ji# #gao ji#, #gao ji# ah, ya lah it's the chinatown original originate from chinatown, ya


ah #qi ji mee siam# ya Halal one lah that one I like, okay, oh okay ya #ang mo kio# hub right, ya ya ya correct I know


ya correct that one healthy ya, ya okay, ya you very healthy lah I'm not so healthy ya, I eat I eat all the junk food you know, really I eat all the junk food like ice cream right ah ya terrible leh


ha, but I I exercise lah so I don't feel so guilty, ya yes because, you eat all these ah you have to do exercise lah if not cannot


don't want to die fast lah, don't want to die too so young, , what you do yoga yoga or what you do yoga ah


oh sit up ah, okay lah at least, , ah fifty time very good already leh, very discipline leh, you like to walk ah ah


ya lah sitting is not healthy mah, ya, that's why you know work from home terrible leh hor, work from home terrible, body ache body aching leh after sit so long


only lunchtime lor most of the time you you you know once you sit down you work you, go out within the one-hour can or not, go out within the one hour I never cheat company lah


ya lah one hour because if not cannot I sit there whole one whole day can die leh, ah easy , you cook your own food right ya lah it's so healthy, oh ah


then in between you in between you bake cake lah right, in between you go and do your baking right, ah you work and then at the same time you let the cake bake lah correct, you working you work from home right at the same time you let the cake do the baking itself lah right


ya lah , #tao kai# lah ya lah ya lah baking (hmm)


ha therapeutic very Chim eh ya, okay, my helper do lah not I do lah my helper lah, I no time lah once I sit down I so busy with my work leh I very on one eh I workaholic leh


no lah just get from youtube and then just show her lor then she go and do everything lah I no time lah, oh but that one very easy leh actually, ah, later I can share with you lah very easy, ah


ha only four ingredient, ah chocolate chips, ya, the chocolate rice lor you know chocolate rice, chocolate rice ah, ya yesterday I go and buy the button one not so good


you know the big chips one round one, because I see it's dark chocolate so I thought more healthy, the dark dark chocolate, ya but that one is very sweet ya lah it's not healthy


so yesterday I I go and switched to a button type, no round one button type is uh stated as a dark chocolate, not from #phoon huat# lah for me it's uh bake lah, because #phoon huat# every time no stock mah so I just go to the small one lor subtle lor


ah lunchtime I sneak out lah lunchtime I sneak out go and go and get the chocolate lah, but then didn't turn out very good because the chocolate is a bit bitter, uh so actually it's your personal preference lah


then if you want to add sugar, you not sure whether will melt properly or not, maybe put together lah put together with the butter and the chocolate go and melt lor ya


ya ya easier lah, fine lah you won't see the grains lah ya, correct (ppc) ya, ah ya


(ppc) okay, oh okay ya ya, ya lah cannot eat lah that's why, that one very nice yesterday after baking right come out of the oven ah you will eat the whole cake


usually usually I am not a chocolate lover but then very nice lor, ha, that one lava right you see the chocolate melt come out !wah!, very nice , okay what else uh should we talk


other than cooking, tell me about your travel experience lah, you travel widely mah ya, ya ya


maybe can tell me something about your this uh, this travel experience which country you like, !huh! how come stop not moving ah you mean


did you press or not


then how


okay, ya so what else ah, what are you, uh travel lah you can talk about travel, why


it's true lor ya, germany, germany did you go, okay okay


I heard you've been to japan many times ah, ah your favourite place ah, ah, !wah! really good leh,


culture, the shrines ah ya very nice right ya


then the place very clean right, the country very clean right very neat, ya the thing so nice right


you going to go Bangkok, Bangkok ah can lor can go lor, but don't know when lah now COVID how to go, everybody scared


I don't know leh, but now you want to go airport also you think of COVID you also scared leh hor, have this phobia right, (hmm) ya lor ya


and then is still like not settled mah, destination ah uh australia, because I I want to hold the animal, want to hug the animal so many animal koala bear


bear the koala bear, ha, you know I like the kangaroos, I like animals mah you should know, , very nice right


ya oh goats ah, goat nice meh, sheep lah sheep lah not goat lah, sheep lah goat so old


I don't why you like old animal, , ya the the sheep nice lah because with all the fur, white colour fur right ya very nice


very obedient right ya lor, ya lor so pity like Botak right, ah , ya lor don't eat I also don't eat all of this meat, ya


ya actually big animal we don't eat lah cow lah uh goat lah all these mutton lah, ah we only eat the small one mah, for you good lah you don't even eat pork


you very halal leh !hannor!, very zen leh very zen, ya lah you very very selective chicken also don't eat, chicken, chicken chicken chicken eat


oh you like chicken okay, beef ah okay (mmhmm) red meat {ah] ya, not really ah


oh because some ya it must cook properly if not then have the smell, ya ya ya ya correct, braised duck mah y'all always do the braised duck


ya lor okay, okay what are you thankful for ah, (ppc) , thankful have a good partner


thankful for our health, ya, ya thankful that we can do whatever we like


ya so many things ah ya ya, ya you see even have the ambassadors uh everywhere right they don't really check on us eh


the market so crowded right ambassadors ah those people ha, even market this morning I just do marketing mah so they don't really check leh, !wah! like crowd ah they don't care already leh, ah then what is the purpose of them standing there right


my thinking lah if you don't control, old people ah create problem ya


the best is old people don't go out lah during this COVID, ya okay, my mum seldom lor but now since uh phase two she can go down do some light exercise lor


rather than coop at home coop at home that's also not healthy lah, downstair to the uh fitness centre and fitness uh area lah to do some exercise lah, every morning she will go lah


ya her my helper will bring her, you know initially she say what you know during the CB period lah she say how come cannot go down I say you want to pay five six hundred you go lor, they !aiya! she cannot think properly one she will every day ask you the same question you know


I know but she you know she's so used to go down then suddenly this uh lockdown right and then, she keep saying want to go, ya lor


ya lor, ya


ya ya, ya doctor will give for standby lor because he also don't encourage you to come


ya ya, ya lor


!wah! your mum steady ah, ah steady, ya lor your mum very smart lah, ya ya


for my mum I ask her don't go hospital lor even though got appointment, who knows right you go there then Sekali ah, ah COVID more problem so actually I ask them to deliver the medicine to my place lor, ha


no delivery is free lor, ah but you have to give them a few days to arrange ah, ya lor not bad lor, let me see lor uh uh then save money lor save money also, ya lor save money lor that's why


actually during this this uh COVID time save money because cannot go out, can skip, I know can skip can call to like postpone lah, ah can lah


ya ya, reminders lah ya


ya lor, is it so good ah, so nice ya, but you have to do it within two years ah after two years will be lapse lor then very troublesome, ha, lapse already ah you have to go back ah ya polyclinic


they fix appointment for you then it it's like redo everything lor, very troublesome lor !hannor!, ya lah but sometime I keep postpone mah they don't allow you to postpone more than two years,


they know mah they know like you never go so is like, they will have a record of it lor, , ya it's during COVID then don't go only lah, (ppc), ya lah they also don't want crowd mah, ya ya


positive experience ah so many, , share some ah positive ah every everything also positive, , most of them positive lah


ya I think it's it's more or less is your mindset leh not the, ya lor, so now working also angry ah you cannot control leh


hor, ya lah after that a short while okay lah you know, ah ah ah ya


positive lah don't know you is uh one of the most ah, happiest moment in my life lah, ya, because we we share many topics, , we share and then we we we are genuine people lah


, ya actually I I find we have uh many things in common ya ya that's why we can do this lah conversation together, ya


so when (mm) zero already [ah] okay


financial related topic part one, so what's one's financial advice that you would give, to the you five years ago, so, if you were to ask me I would actually just say be informed before making any decision because financially you wouldn't want to


uh I think DIY would be better because uh I have seen my parents resort to


the DIY options instead of like going to a financial advisor because I heard them saying they don't err trusting a financial advisor wouldn't be a, a a better option than doing it yourself


ah for me I don't really have a structured saving routines because currently I'm a student so I get income like via ad hoc jobs so my my incomes are


my income flow is like very random so but when I have an opportunity I make full use of it and try to save as much as I can but sometimes I go months without income so I'll have to totally rely on what I got in my bank, so that has taught me how much savings is important


during my rainy days,


so how do I spend my money and which expenditure is justified, ah, currently actually before COVID-nineteen I realised when when I look back and looked at my expenditure I realised I've been spending a lot of on


buying food outside which I realised like during this circuit breaker time I got to save up then I realised how much I have been letting my money go in that way, so, so now I have so this circuit breaker in a way has opened my mind and


and my eyes so, something that I can look into and I'm changing currently, what about you Farmida what have you been spending on


, so how can one achieve financial independence I feel lah like what Farmida was saying like what you were saying just now that how that you would advice your, advice yourself


that how you would like to try to start early and up I think , that's a that's a really a good idea because because nowadays is very common to have so an individual doesn't really have like one source of income just from their job because it's really common for a individual to have like at least


two, incomes like they will have one from the job and then one passive income so it's really common and I think we should all start, moving towards having a few streams of income so that we can be we can get financially independent as early as possible


so instead of like just focusing on our job and the salary


yeah I agree with you, save well, I think it all comes down to savings


oh I own a credit card but so far I never use it


what do you think about CPF contribution


err but, actually sorry can you please repeat your last sentence again


why do you think it's worth it like why what makes you say that


ah I see , I think I think I agree with you as well, ya I won't actually I only have savings account right now so uh that that's the account that I've been talking about since just now


ya, no it's the most basic, it, you know their basic uh DBS account I've been having it since young, (hmm)


maybe maybe when after like when I when I have like a proper work then I will I will consider, changing the type of accounts


, so , meh I've never I've never, uh board yet but are you planning to get one or do you have one


, so do what do you think at which age do you think a child should be given an ATM card


why not I got mine at age of seven that's when I got I got motivated to save, what about you at which age did you get your bank account


same I also never really got the card, so at which age exact actually at which age you started saving then


joint account or they should have like a separate account and manage expenditure on their own


ya true I also have I also have the same opinion on this I really feel like they should, financially be independent on own from the very start, because you never know what might happen


or like the joint account was actually for you is it, ah, but ya but then they had their own separate accounts, for you


oh ya true it makes sense


it all depends because not everyone will have the courage enough to like invest, because sometimes investments are like taking risk as well, because you never really know that you can truly rule the money it depends on where you rule it but ah, uh I think


it is always good to have some money in the bank, because yeah it you can't just like completely take uh everything and then invest it


have you gone through it uh okay part three negative experiences, have you gone through any loss in your life if you have describe your emotions at that point of time and how did you


(hmm) actually ya I same the same I mean I share the same


emotions because I'm also the only child so I'm also a quite close so when I make friends I grow very fond of them and I get closer to them so when they suddenly chose to leave due to some misunderstanding or anything it's really very heart aching for me and I take a and I'll and I'll take a really long time to overcome it so I think those are my type my kind of losses


ya to what make you stress


for me I feel like ah ah for me I'm okay when things around me don't go according to plan like like surrounding but I just I just get stressed when I just don't listen to my, own self like certain things I'll tell myself and then yet I don't listen to myself like you get what I'm where I'm coming from like when you don't something like that that's when I get stressed I get stressed up with myself


because of


what is the most traumatic incident you've ever experience I think the, some of really very traumatised is when I was in primary school so we were we went genting I went genting with my family members so we went for this right this roller coaster it was outdoor roller coaster it goes around these like


around a so and it and it was quite high so before they are before the roller coaster kind of like, like like started I realised like the bar in front of me you know the roller coaster bar it wasn't locked so it wasn't locked and I started panicking so I told my mum I immediately like nudge them and then I shouted and say that oh my god the bar is not lock immediately zap her arms around me so throughout the ride we had the bar


wasn't locked it was just my mum's arm so anything could have happen, happen that day so, to think about it like anything could have happened to my mom or even me because I was actually kind of safe but my mom , uh didn't even think about herself and all she wanted was just protect me throughout the entire ride that was scary because because at that period of time few weeks earlier on it was the same roller coaster where we we read from the news that a few people died so but then they still didn't do anything about it


so ya


what do I worry about uh for now always I constantly think about the future and the thoughts of future haunts me all the time so, would like me getting a proper education me securing a proper job and then of course like what we spoke about during the our financial talk like how we have to keep our


our passive income streams coming in and how am I going to keep up and be on par with my family members is just all these kind of thought the future itself just haunts me and that's what that I worry about the most what about for you what do you


worry about


, that's true, more or less reason we worry about the same thing ya it's true what was the saddest moment of your moment of your life


okay ah the saddest moment of my life err, err


I mean I don't really take any instances, I think I'm I'm not err nothing coming to my mind right now saddest moment in my life


I think we can never be able to turn back time so even no matter how much I wish that I want to turn back time and go back to how I was in my younger days I don't think so I can never get it back what is that one thing you wish


what frustrates me


no not that it's just ah maybe when I want to communicate with someone but I'm I I'm unable to communicate with them because they they don't have the maturity or they don't they don't they're just not calm enough to listen not what I


have to say but I think that's frustrates me, what's the worst thing I witness and kept quiet


, same I don't think so I'll be in a situation that so worse but I don't think so I'll be keeping quiet I'll let it out ya


sorry my greatest fear is to lose my love ones my friends and my family that's my greatest fear I can't imagine losing them


my phobia, I actually fear to express myself because I've always been like an introvert but even though I seem like an extrovert actually I have a fear to express so


so sometimes right because of this fear I tend not to say what I think so I'll be thinking something else but I'll be saying another thing, because I'm just scared I'm just scared to express myself because I always feel like like this like constant fear that you know I'm just like no one will be able to understand me I don't know why but I I guess I'm overcoming it


because I think my connections with people are better so when I'm comfortable with them I get to express myself in a much better way, like I'm comfortable enough to trust them and like say what I feel and and know very well that they what they are not there judging me or like looking at me anyway


to when was the time that you are unable to help someone in it


for myself err so recently my uncle okay so my uncle had uh always had a leg injury so over the years as he ages his leg injury got worse so this time round he started walking in uh crutches with crutches so when I saw that I felt


so frustrated with myself because he played a role he played a father's role in my life so I looked up to him as an as my own, dad so when I was like so when I told him to visit a doctor he straight up said no so I was just so frustrated like if I was


just as finance as I mean if I was financially independent and I was able to like afford his medical fees and everything I wouldn't even listen to what he has to say whether he wants to go to a doctor or not I will just bring him right away because it just ached to see him watch in crutches for week and week and just leave him


like that because not even once he have left me in any kind of ruined no matter what type of degree like you know what type of like event I was in he's never left me alone so me being there and not doing anything about it just sadden thing it frustrates me a lot


, , , so a series of unfortunate events describe a time when everything that could possibly go wrong did go wrong


I think this perfectly describes the period we are in right now right like one point of time it was just like back to back COVID-nineteen and then, yes (mmhmm) and then people getting into depression


sometimes I just in what disgusts you , what disgust you


no I don't I don't I've got I've got nothing to judge people like I think I'll I'll just analyse myself and that and just you know what at times I'll just start analyzing what I do and all that and then I just disgust with myself what about you


ya it's true, I think the fact that we keep all of us like keep changing or like the world like the whole world on its own just keep chasing after like success and money and then we just we are just so ignorant about like a certain group of people who who can't even afford to have like a


a meal in a day and we just like I think we are not doing enough for that is not just like in singapore it's just like in a world itself like you ask like there's so many like there's so many actually this is like a it's not even like a small group like


millions and billions of people are literally dying because they don't have food just as simple basic needs such as food don't have clean water it's just it's just so frustrating to just see their life gone, like that and then there's another group of people who have like abundance of it and yet still greedy and still going after for more like like there's no humanity like because we are so


too obsessed with success and money and all I mean which is good but I think like instead of like becoming like a like a in a in a healthy way it is it's like there's no like kindness there's no


okay there's no humanity in in yeah in overall there's just no humanity like to the point that, we are we are able like like you know there's some now err as we get into the work, first we get to see like there are people who will do anything and will say anything just to get what they want and they don't give any and they don't uh spare a single thought about like another person's feeling like everyone just


being ignorance each others' feelings like there's no but if we do care about people's feelings and if you are sensitive towards people around us we are deemed as weak and if we seemed in if we are honest and being vulnerable we also deemed that's weak I don't know like


the mindset is just, sorry


you are weak like ya basically


ya like since young we have been like taught to have values and all that but once we reach a certain age everything is just gone like no one is like putting in effort to like calculate what has been taught since young so now to think about it why are even taught values I don't know


part two positive experiences, so what was your best birthday present and why


, my birthday present was uh recently just today I got a mouse from a friend for my birthday I think so far, that has been a best birthday present because


ya, no no as in like a laptop models the technical mouse, ya, ya so I think it's very touching because I didn't expect it at all and today isn't even my birthday but it happens be my birthday present so that's very nice of my friend to do that so


yeah that's cool right polaroid camera, ya, ah so what is your best I mean biggest blessing in disguise, is it like me or something you know please explain further


, honestly when you ask me mah what's my biggest blessing I can't just like choose one because I just feel like like few years ago I can just say like maybe my mum or like one person in particular but right now


all after all these years I just feel like without, both my friends and my family I wouldn't have come this far because like, in my both in my ups and downs like none of them have left me, so they have really like played each and every role like each and every role in my life that they have played is like so important and so close to my heart because without any one of them I don't think so I would have made it this far


so they're all such blessings to me, no words you can say like really


that's my comfort food what about yours


I feel I feel your #aglio olio# is the best, really, what do I love most about myself


I like how I , at ah what do I love most about myself, I'm not sure but this is something that okay I feel like I'm not grateful enough but at the same time I feel like I show gratitude which is something that uh I like about myself


even though I feel like I can be more grateful, I feel like , no I feel the gratitude aspect of me I like that about myself even though I feel like I can be more grateful


ya because I really believe like, been grateful is something that you should do it without having ego and any pride, ya, and I feel that I do that a lot, even though it sounds very weird but ya it's what I like about myself what what do you love about yourself


my my dad has been my role model my mom has been like my inspiration like I see, see her like I I I, I aspire to be how, hardworking she is, and I aspire to be like my dad


so when was the time you got appreciated for your hard work


so what's what what what kind of day is a perfect day for you


anything that brings me closer would be perfect other than that if I'm unable to do that then anything that, that that a day that when I can spend with my love ones will be perfect too


so describe a moment when things turn out better than expected


the conversation we are having now it's turning out better than I expected because I thought uh I would I didn't even imagine myself speaking this much, so, so what is the nicest thing someone has ever told you


okay so before uh I was just ah before I came here I was just talking to my cousin's sister about that ah me having I'm going to have like uh this kind of a conversation with you and then she was like, I think that's very sweet of her even though she didn't know she had no clue what was going to happen so I think that was really nice of her to say that


so when I first got my job like a part time job, I used my I mean I gave my salary to my mom and I saw her smile so I felt


like, proud like you know the first time when you receive something and then you give her so I think so far that's the happiest moment in my life, because I got to give back, something, that she has been doing for me selflessly over the years


the most memorable I would say is finland, as because I went there with my entire family when I say entire family it's including my extended family we really had a good time there even though we were all freezing to death but that's the beauty of it because you all suffering together so that's why it is the most memorable


ya, it's quite sweet I mean it's very nice


like what type what type of food do they eat there


ah oddest or most unique compliment you have ever received, oddest or most unique compliment you have ever received


like what is the most unique compliment you've ever received okay ah, for me right so ah as a young kid I was ADHD so most of my teachers didn't really like me about that but one of my teacher which is my which happened to be my form teacher she was quite intrigued by my behavior and she thought that that was a


striking leadership skills since that I was very active so the fact that other teachers deemed it negatively she saw it positively I found that quite odd but at the same time quite unique and at the same time I was, I was


it was quite heartwarming like to see finally like someone accepts you, and not like just label you as naughty or like irritate irritating or something you know, ya, that's kind of odd but it was nice


that's true teachers really do play a huge part


I would say a monument to indonesia, and my hotel room were full of cockroaches and I'm till now awed by it


all is basically a shortcut eating


!wow! they imagine really


alright


err, it can only hope, that ah that pandemic that we are going through right now really solve as soon as possible


that's the only hope that I've been holding onto, and and and I think we have, I mean we got technology so things have really changed from the last pandemic we have said we have been we have faced from SARS


right now I think we have learn and we can do things differently in fact I think things are getting better because now we have already figured out that we can work at home we can actually study at home instead of like being there in person, so I don't think so it's it's, I I don't really like call it like global uncertainty maybe we are just like


giving it, an opportunity to see differently and do things differently maybe it's just for the better


describe an experience when your faith in mankind I think every time I feel uh because it's so rare I just feel kindness and being kind to like strangers and just being nice and having good intentions


it's just so rare to see and I when I when I come across such people I mean who are strangers other than your family members or your love one it's just, I think, every every single time when I encounter such people that's when my faith in mankind is renewed because right now in the news everything just says otherwise


like things such as getting haywire, in the midst of this pandemic what do you think Farmida


what needs you to experience an adrenaline rush I think adrenaline rush adrenaline rush I only get it from roller coaster honestly on a high elements ya describe the moment when you felt the luckiest nice okay me okay


okay, uh, okay financial related topic part one


sorry does she have to finish all three then my turn or is it like one person one person, all conversation [orh] okay okay uh, so okay okay kay, so for me right I feel like ah one financial advice I will give to myself five years ago would actually to start early so currently I'm twenty five so five years ago I was twenty I wasn't working uh I was still at


uh like in poly at or yeah about poly that time but I was working part time so I feel like I could have easily save about two hundred a month and perhaps if I had invested that money like, at twenty I feel like right now five years later I would actually see quite a big sum two hundred a month so a year is like two thousand four over the span of five years it's almost like ten k so I feel like


ya if I could go back in time that's the advice that I will give me, so and then err and then for the part of, okay and then for the part of should I have a DIY or financial advisor I think


previously if you were ask me I would say financial advisor but like right now I feel like,


ya then uh, perhaps about the managing a cash flow right I feel like uh, uh, uh how much of an incomes allocated to savings expenses and insurance ah I actually read online that you should not have, more than ten percent of your income on uh insurance so


I, so let's say I earn about maybe two K for example so ten percent will be like two hundred like personally I feel like two hundred is a big amount but I feel like let's say I'm it in my early twenties that is, essential insurances I take like example like insurance or maybe hospital or accident will cover under the two hundred dollars per month so I feel like


uh, I think that is fine lah and then like for investment wise I think when you start small maybe hundred, two hundred per month is decent amount to go to and how I manage my cash flow is uh okay I have this system whereby whenever I earn my monthly salary right I


I save like fifty percent then the rest fifty percent I realised ah I going to save like, maybe ten percent of the leftover fifty percent then I manage my expenses with it so I know a lot people they say that you must save like twenty percent but I feel like that's too little in this point of time like


cause like we have a long number of years ahead so I actually safe fifty percent and then like the other fifty percent from there my expenses investment and insurance ya, what about you


ya I think it makes sense lah for someone that is not ah working like full time and relying on part time, ya they make sense, then uh, uh I feel like, okay


so for the habit of saving right how do I ensure that I meet my saving goals ya I think I've already answered I put the amount that I want to save first and then I come on to whatever I want to spend instead of buying what I want and then leaving the leftover amount to save ya


okay I I, I've actually been ordering a lot of like take away food like especially towards the start of the circuit breaker because uh I was on like one week stay home uh notice that kind of thing so like ya everyday I would like order food for like me and my whole family so I will spend easily about like


fifty ah fifty dollars like per day for like it's not like over a span of three meals but just one meal fifty dollars sometime you I will eat even ah, like like twice, uh sorry


sorry


true actually ah ya what you said about the side income I think that uh it makes a lot of sense because


one stream of income would never help you to retire early and then ah but there is also another part where you have, to find like another flow of cash coming in through you, like through the side income some they do like part time business and and all and then like have some of my friends that they work full time and then like doing their part time they actually go down and drive Grab like before COVID was like GrabCar lah now is like you know the GrabFood so ya they do the that and I feel like they have a good amount of


ah income coming in some of them tell me that they don't touch their full time pay and then they just use whatever they earn in the Grab for their expenses which I think is pretty smart if you have the dedication to ah go through with it, ya and then ah


ah, how do I think of, FIRE financial independence how can I achieve financial independence, ya like what you said lah like having a second flow of income coming in how do you invest your money to accumulate wealth or planning for your retirement okay basically ah I actually buys stocks and bonds ya on my own and then I also invest in precious metals which I think ah


like uh, which is like it's quite risky lah is like at your own pace but I feel like I feel like it will help out in the long run okay so for example uh recently like at the start of eh no ending of last year I bought like


uh precious metal as in like gold so at that point of time it was only like sixty, sixty three sixty four dollars and right now the price is easily about seventy plus so it's like so you know you make money then you sell like ya then I also thought of like having like bitcoin and stuff so there are a lot of ranches out there you just have to be well prepared and


uh bid more along and what suit your, budget ya, , what advice would you give to someone to get him or her of that honestly I would say uh


to get up ya safer, actually if it's me I will tell the person don't borrow in the first, place like don't borrow like just manage within your means, but if you uh really borrow then like you know they have this whole like snowball effect so it's like you pay the easiest loan first the let cheapest uh interest rate or something you pay that first and then like you slowly move on to the higher rate I do not because you get that personal satisfaction that !hey! I already cleared one of my debt


some people say that pay the highest interest first lah but I don't know I look at it in this way, ya, (hmm) do you own a credit card I just applied for my credit card so uh I haven't used it yet


ya but , I just actually there was a promo going on they said that if you sign up for those uh like this particular banks credit card you will get a free ah airpods pro so that was very uh like that motivated me to ya sign up for the credit card so that's why I actually did it


but I don't think so I will use it regularly do you have you applied for credit card, oh okay


what do you think about CPF contribution, okay err I think I think CPF contribution is great because uh like okay this my understanding lah it's like


err, this my understanding is that so when you work right twenty percent comes from your salary and then like seventeen percent comes from the employer so total is like thirty seven percent I feel like if a lot of people say that eh twenty percent is a lot you know to buy house and everything but if they don't


take that twenty percent right and then it's like they also give you additional seventeen percent which is not like your money you know it's like the company's money so I feel like your money grows faster like I feel like it's worth it in that sense, yeah do you think is worth it like at the end of the day that twenty percent taking out from your pay


oh no no I just saying like I I find like it's worth it lah the the twenty percent they cut off from your pay for CPF like I think is worth it like do you think is worth it


oh because they got the seventeen percent they add you know the company like you pay CPF then the company will top up then the amount that go into your CPF is like both plus together


do you have any savings account, is it like a high interest account or something like that


but, but err do you feel like uh, would you consider moving your bank to something with higher interest because I just did recently


true, uh ah currently I uh actually a few months back I went for this uh this particular banks uh high interest rate so they were offering like two percent for the first twenty thousand which is pretty impressive coming like uh like two percent twenty thousand


it's like what about four hundred or something ya so I mean ya I feel like that's a good amount if you have that twenty K lah so ya then uh I was very alert by it, but then I think post covid nineteen nineteen they actually are all the banks brought down all the interest rate so now is like I think one per cent only instead of two sounds pretty upset like ya


have you bought any insurance from the bank


okay uh actually recently I receive like like calls from the bank saying that because of the COVID-nineteen right they say that uh I think if you pay like a certain amount every month then after that they will, uh give you like this much coverage if you have COVID-nineteen or something like that but I feel like err I have my basic health care plan so I think


I think like that's enough for me lah so I didn't bother signing, I think


as long as uh the child is like like as long as the child can like go to a store and like you know buy the thing like as long as the child has like that sense maybe about I think kids are growing up pretty fast so maybe about seven or eight years old like primary one


they know how to like you know buy stuff and all but you also have to have the discipline lah like not to, like just buy everything ya okay maybe seven is too young so maybe uh


oh okay !wow!, okay so okay my parents side they never really give me the card they only give me the account then they say every time you like you get #ang pow# right then they will tell you okay ah this #ang pow# I going to put inside your account inside account but I never saw that card


ya so, ya lah that's the thing, err, I would say like I've been saving for like, a pretty long time like ever since I know that okay this #ang pow# money I'm going to save as long as my mother said that in my ears right that ever since then I've been saving maybe a good like eight years old or nine years old but I think the card you should uh probably give when your kids is like primary five or primary six


err I think I think they should have


uh


it's okay okay then ah ya I think they should have separate accounts I don't think they should a, a joint, account because like especially like err like divorce is very are on the rise nowadays so I feel like


uh, perhaps if they have a joint account right then let's say like things are not in good terms then, like both also have the access to the card what then you know like let's say they just want to clear up the bank or whatsoever then it suddenly like you don't know you know next day you wake up then you like eh where's my money I were like too bad is gone you know I don't know I I am this type person lah so I just feel like separate account is better what about you


but my parents actually had a joint account together because they said that like once a child is born right so did whatever money that is intended towards a child they just put it in the joint


account ah for me ya so ya, ah they had their own separate account so this money is like just like towards whatever is for the child, ya


I think like in the future I might do that also like I it makes a lot of sense lah, some people they say that the bank interest rate are unattractive whereas others may feel that their bank money is safe and accessible in there life of this would you save your money in a bank or invested


would you invest or would you keep it in a bank


ah, I would agree lah but so what actually did right I saved about like three to six month because all these are input island is actually from online so I heard that like about, three to six months of your expenses you save and then you can invest the rest as in like not the whole thing lah but a good amount of some then they actually have like all these are reads and stocks and all that actually I opened up my CDP account I have it with DBS vickers


so I feel like ah like like I, invested in this particular start stop that gives about uh six point three percent uh, like annually lah the dividend so I feel like it makes sense because the bank only gives you like what uh two percent one is like below two percent or two point five percent so like I feel this is more worth it lah cause the percentage is higher


ya, have you who started ah


part three, part three negative experiences


err to be honest I haven't really lost anybody as in like like pass away or anything but I have like friends that I like lost along the way of growing up then I like honestly like cause I don't have any siblings so like friends


like I really treasure them and I don't have like like a big circle of friends I have like a very small but very closely knit group so if anyone least right I feel like err that's like very hard for me to take ah


ya, ya


(hmm) true true I totally understand ya okay, (ugh), actually not a lot of things but only when things don't go the way I want it to go so it's like how to say ah like even you plan your day like in certain like


certain way a lot of things can like not go the same way but then you know that one important thing okay like today like I find things to do one of the things like the most important so if like the one most important thing don't happen right then I will feel like very stress then after like what am I doing in life then I will like start to overthink and like spiral so like


ya like when things don't the important thing like don't go according to plan, what about you


or like self discipline like, true, I also get very stressed when I always spend money and then like the next month I look then I'm like what am I spending and why am I like buying all these useless stuff so I get like like kind of stress like for a that particular moment


ya what's the most traumatic incident you want to go first


!wow! like really like so much respect for your mom


say traumatic incident uh I feel like every time I have a heartbreak I is very traumatic because like ya you know how heartbreaks can get right so yeah that's like some of the most traumatic incident in my life then what do you worry about like often


I know you overthink a lot , (mmhmm)


okay I ya actually uh constantly about the future lah like a few aspects actually in the future like will life be financially like secured because like everything is very expensive in singapore so like sometimes I will think like eh is it okay maybe like migrate to like australia new zealand you know so I like constantly think like what would be like


we where would it be better maybe in singapore or overseas financial wise and then also like in terms of like settling down and then like like you know things are not the same as it was in our parents' age it's like like people if there are like so many high rate of divorces and stuff so you just like


ya so like you know sometime I would seem like think about it like if let's say I were to like get married would it like, like how our parents date or like you know like what exactly so these are the type of worries that I have and also like uh uni like we lie like ace the exams we lie like make it to next sem at how are my grades ya that also


is it one, ya, ya true I think everybody has the same worries, ya, is there one thing


year I actually got into uni and then like uh my workplace like they didn't let me study and then like it like really upsets me a lot because like it's not like I'm like twenty one or twenty two you know I was already like twenty four then I felt like if I'm not going to start now then when am I going to start and you know it's like degree it's like four years


so I, I was like I was like very heartbroken that means it's like I'm going to graduate a year later and like all my friends are already done with their degree so I just felt like !hey! am I lagging behind like you know I felt very sad, regarding the whole incident, what about you


are you that happy


okay uh


, okay is there one thing you wish you could change but will never be able to


one thing you wish to change but never be able to ya I think like to go back in time definitely because we've done a lot of stupid shit in life and then like uh you know like maybe like study harder for O-level or maybe like study harder in like, your diploma like you know that kind of thing so like I would definitely like to like go back change my grades you know but I can't do that right now lah


ya (hmm), when I'm hungry and then like people take a very long time for like decide on the food, or like the place is very crowded I get very frustrated because like


!wah! you have so many things that frustrate you


I don't think so there's like worst thing I've witnessed usually I am very vocal about my thoughts, so anything happens I will just voice out loud


ya okay what's your greatest fear, what is your greatest fear


eh true true, ya, but I think that would be my greatest fear but actually I have like a few more fears eh one of my greatest fear is also like uh cause now I ride right then I'm very scared that I get into accident that makes me like uh like in a wheelchair bound or something like that ever since I started riding like this has been like one of my top fear


ya, do you have any phobias how did you overcome that


oh okay


so I have I have this like crazy phobia about like a clowns, like ya it just clown I can't see clowns like like I don't know like I just feel very panicky on the inside and then I feel like like my heartbeat raising when I see clowns and then I also uh


when I see like you know they have a lot of circle circle I don't what is it called, uh, some phobia like you can't see a lot of circles then you uh feel like like one kind, ya I think like these two is like a phobia so like for the circle thing right uh actually for both the clown and the circle thing right I just avoid both of them like anything to do with like like you know they have that it movie it has a clown like I just avoided the movie cause like ya


then like the circle circle thing I I just like don't look at such stuff like ya, helps someone in need uh actually during the whole COVID thing right other people


like got retrenched then in my company also like some people got retrenched then like you know is like they are in their like fifties and then like it's like they still have kids like study and all then like they would tell that oh shit like I'm retrenched right now so like what can I do then like sometime I wish I can just like


okay she is like ten K or something like that but like I don't have that capacity to go and give it to them so I felt like ah, so helpless eh ah but I told them about like financial uh assistance lah like you know they had the whole temporary fund so I told them like


what about you


ya and then they have like the closure of everything and then like because I'm a person that ya and I constantly need need to like go out and like meet people, I would like go crazy if I like stuck indoor, so when all this happened I just feel like why is like god punishing me or something like that I felt like so so cooped up at home then I felt like


like you know eh what's happening to me cause like like the whole life was like very depressing like that you just wake up then you like do stuff then you just stay at home don't go out you don't buy food like there's no like uh interesting factor or anything to your life


what disgust you


disgust you like you just let people do this, like you like disgusting, like people do something then you just feel like !ee! I like so disgusting please don't do this or something like that that what would you say


I feel like when I have close friends then like they don't have my back then I feel very disgusted I feel like (ugh) I put so much time and effort like why can't you have my back you know I also get very disgusted when like people cheat


on their partners, I feel like like what why would you do such thing like ya, it's like that's like my two like because disgusting oh and people dig their nose in the bus oh my god it's like a whole new level of disgusting, ya


what is the issue that you feel upset over because you feel the world needs to do more about it


very true


it's like you just can't win


no as in like whatever you do they they they just label you as weak that you just can't win like you know they just put a label on you weak like ya, , I also think about all those are like emission riots and all those rapes like hang around the world I feel like it that makes me very upset like why is it like still happening you know it's twenty twenty


okay done, part, part two positive experiences


nice


okay so for my best birthday present okay I actually got this ah so I'm very into polaroid pictures but then you see polaroid camera can only take the photo, as and when like is happening in front of you then you have old pictures in your phone you wanted like in a polaroid form right so there's a thing called a instax printer then I was like told my friends about it lah so on like I think my twentieth or twenty first birthday they actually bought it for me so I feel like that's the best birthday present ever then I


can always like any memories I want in my phone I can like print it out in a polaroid form right now so it didn't have to happen right in front of me so I feel like that's the best, ya ya,


okay err biggest blessing, I think biggest blessing perhaps my grandmother I feel like err cause both my parents used to work a lot, and then like I have rarely saw my parents so ah like up to like to a certain age I I I thought is like my grandmother was my mother something like that like when know when you're very young so ya and then like even like till now I know that like whatever like I want or what


like when she can like she will get it for me and she has like my best interest at heart, so ya I feel like my grandmother is my biggest blessing in disguise


what is your comfort food that you can always rely on to cheer you up


nice, err my comfort food is actually okay so there's this particular pasta #aglio olio# I think that's like my best comfort food like I haven't mastered cooking it or whatsoever but then like


whenever I'm feeling like a little sad or what I just like run over to like pastamania and I just like get the, #aglio olio# that's like my go to food like any point of time, stop ya


anyways err so what do you love the most about yourself


sorry sorry I didn't get it


oh, [orh] okay so you very gracious


okay true make sense, okay, no no it's not yet, okay I think err


I think I really feel right like, I can talk to anyone like I can not know the person but I can just have like a conversation with them like over nothing like I feel like is a like my, like the thing I love the most about myself like you know those parties then you have like a few group of friends I can just like mingle with anyone like ya but not to be like best friend or what lah but just have a conversation ya I feel like that's the best part


who in your life do you look up to the most and why


actually uh ya I would say my parents also but particularly my dad like my dad is a very , he doesn't talk that much he is a very uh he doesn't know how to show his love, but then like like you know like deep down like he's doing everything for you so ya then I feel like him lah he's come along way and he lives like a very simple life like make a lot of sacrifices just for like my mom and me so like my dad like my biggest ya


so I think I'm just bless lah with like nice people around me like sometime like I went to so recently I surprise one of my friend with like cupcakes cause she was feeling like like kind of emotional


so like ya then is like I stay in jurong then she stay at Sengkang then like ya so like I I was like nearby the area lah then I just drop by so she said like thank you and she's like like really appreciated it so I feel like very happy regarding that


err I think any day by the beach like I'm a very like outdoor and the sun kind of person so like any day and, maybe like sentosa or like east coast park or whichever like, ya that would, my perfect day what about you what's your perfect day


oh that's nice, I think when I cook like half the time I just like try to like improvised or like change a bit here and there and it so when like when it turns out good I'm like genuinely surprise


ya, okay !wow!


uh uh like one of my colleague like she told me lah that I was very kind then like ya so I felt like eh like that made my day you know that kind, ya what about you


it's a see it ya, okay so the happiest moment in my life would actually be ah, , right now uh okay the I consider like my last achievement was like my diploma graduation so ya I having like like uni graduation and all so like that was my happiest moment in life what about you


!wah! so selfless nice, nice, !wah! very sweet ah Farsanah , tell me more about your most memorable travel experiences cause I know you've been to like a lot of places


finland !wow!, ya I think, my most memorable travel will be , err, okay so my mom actually let me travel overseas like with my best friend so we decided to go to like vietnam then like we did a two week trip then we


covered like the north south and maybe like the like the ocean part the like Halong bay so it was very nice lah because I would never thought that my mom you know she will let me travel and all so ya that was like the most memorable, oh


okay we eat this thing called like #bahn mi# which is like you know those subway sandwich that kind and then they have like uh, pho then like after you go to like places like vietnam right you come back to singapore and then you are like your taste buds are just like craving to eat anything and everything because in vietnam they only have like


like two three dishes and like that's all like that uh they have and like majority just eat that is very bland you know you come here then you got like sweet spicy sour like ya can ya that's it


what's the word


err oddest let me think about it


!wah! so sweet ah your teacher like ah it uh honestly is like this type of teachers lah it really make a difference in like all of the student's life, ya, odd compliments I really can't remember any odd compliment but like ya so like last time in poly right I used to wear like very bright colours to school and then like ah so one time I was wearing like


I think uh, like a white pants and then like this girl was like nice pants and then I don't know I it just like, err okay like I mean it's just a basic white pant, so ya so that's like odd I guess


okay so , this kind of travel experience that left you in, awe A W E okay tell me tell me about your like travel


uh describe a travel experience that left you in awe


(mmhmm), oh okay okay err, err


shock okay err shock, so err, err I went to this place called Halong bay so there's like no handphone signal and anything since like you come out then so is in the boat then is the middle of like


like all these like limestone mountains and just like you the boat and then the limestone mountains there are like what like ten people in the boat and that's it so it's like it really put things in perspective then !ee! I just went up to like the, ah rooftop like that then I just was like look everything then it just like I just got very shock lah but like it's like nothing nearby it's so peaceful and like so nice


yes , trauma, despite the ongoing global uncertainty what makes you optimistic about the future


, err, err I think ya ya experience optimistic about the


true ya I think that been through like so many of all these diseases so I just feel like it is just one more thing that we actually going to get through so something that are like wipe out the whole like mankind or whatsoever we've been there we've done that so, we will come through maybe it will take time but ya we'll definitely pull through so that's what make uh that's what


makes me very optimistic ya, , describe an experience when your faith in mankind was renewed


ya I think is like all those strangers like those kind acts from them I think that really like , ya, meets your faith in mankind because like, cause I I right about


so every time like I have to squeeze through the the in between like split lane lah then sometime you come to a traffic fine right then like there's a little bit space for you to go but you know like some cars it just too tight you can't go and then like so you just wait behind them, car, like as in in the middle lah then sometime the car driver they will like pull the steering wheel to the left so like they took a bit to make way for you then I feel like eh that's like damn sweet like I mean you don't have to do it lah but you do it so I just feel like okay like there are nice people out there you know


, err adrenaline rush, I think exercising, ya


or maybe like going for like hikes or something then I just feel like like alright you know that kind of thing yeah, ya what about you, dancing I feel like you very good in dancing


, okay so like I have this very bad problem with like punctuality and then like so I so like the current place I was working right so they had like given me like a warning letter and everything so the guy like before me like he also had the same issues lah


but apparently he was like asked to leave so I was very lucky that I was just given the warning letter and like not ask to leave because like ya then I felt like !whoa! I'm just like really lucky at that point of time lah because that was like my first job, ya


what about you when do you feel the most luckiest


financial topics related topics


for myself I have savings account with UOB, uh POSB and OCBC like you have mentioned these savings account are actually easily available for their ATM so we can actually withdraw money as and when we need


so that's the reason why I actually, use these three main accounts


oh, , yes


currently I saw recently on the advertising by uh stanchart, they are offering up to zero point seven percent per annum for their savings account


they call it E saver bonus interest I think so it'll end uh it started on first june twenty twenty to thirty-first july twenty twenty but the minimum daily amount is actually one thousand dollars


so any shortfall will be five dollars per month , ya anything less than fifty thousand right the interest is zero point five five per annum the only thing is stanchart bank ATM will not be easily available


so, so some people will not actually like the idea of having a bank account but, uh ATM machines are not easily available if we need money immediate uh immediately on a emergency basis


who who are we going to approach how are you you going to do it, so even the elderlies right will think, sometimes it's better to keep more cash with them like my parents lah,


so for other than , UOB and OCBC do you have any other high yield bank account or fixed deposit account,


no, oh okay, so usually for why what is the reason why you actually share


uh uh, uh fixed deposit account with your mum, ah


okay, so you all are looking at like yearly renewable ones


okay because recently I think the campaign just ended it was by great eastern and OCBC they offer one point eight percent per annum for two years only so you lock in two years and it comes with uh


insurance protection, ya, , for people less than sixty five years old is minimum ten thousand dollar, for sixty five and above I think is minimum twenty thousand


so one point eight percent per annum is considered very high in the market now because of the current financial situation in our environment,


so currently I think most banks like even the foreign banks they are not able to offer more than one point three, recently someone was comparing about the


fixed D they told me, DBS is only offering one point one, for fourteen months so I said oh one point one so they told me oh, if you have any


uh know of any products that has got higher than that then let me know I don't want to put for too long, so I share with them about great eastern offering and OCBC offering one point eight percent per annum so they're happy they say oh my money can earn more interest


ya because, after one year usually when we take out will it will be dependent on the market situation to see whether the market is doing well uh and how much interest they're offering but right now


the, insurance company like great eastern and OCBC they're offering one point eight percent because uh OCBC uh great eastern is actually wholly owned subsidiary of uh, OCBC so they are actually parent and child company that they can offer this one point eight percent so they say lock in two years is fine because two years is not that long


ya so unless the economy will to bounce back in probably six month time lah, in current situation, I personally feel


uh, to bounce back probably will not be, so easy because of, the fact COVID nineteen has not, fully subside yet a lot of us are still worry


about how COVID nineteen is going to affect us, a lot of companies are closing down as well, , but so long as we take good care of ourself I think we are fine


, yes I think we have never washed our hands so many times than current , my mum my mum told me


ah, she was mentioning in mandarin lah she told me, last time she doesn't have to wash hands every now and then now she comes back from the market she goes out to buy groceries she will come back and make sure she wash her hands and wash her legs


then because my father is actually staying at home most of the time he retired already and he's not in very good health so my dad doesn't really bother too much, so my mum my mum will say uh my father doesn't wash his hands as much as I do I think my skin are all peeling off


ya it's actually for hygiene purpose so I also explained to her why is it necessary to wash our hands thoroughly we should be washing our hands thoroughly keeping ourself in good shape making sure that we are in best of health to fight against


any viruses or bacteria which is important, , oh of course I do I have several credit cards and debit cards


will be those that comes with our savings account lah, it used to be ATM card but now they have gradually all changed to debit card, yes


oh , that's nice


maybank maybank card can be used at ikea as well if you bring your girl to ikea


and buy things right then I think they tie in with maybank so the card, is actually for better savings ah you can get more rebates


yes, I think is family card, I think it's for family card, yes so for myself, I'm having the UOB three sixty card, OCBC three sixty card


because three sixty card allows me to have, about, depending on my spending three to five percent at NTUC there is a minimum spending ah but offhand I can't recall


is it fifty dollars or what, , no it's not a multiplier type, but OCBC three sixty card it can come in with a three sixty bank savings account so the interest is also higher than the normal savings account


I think the minimum, daily balance if I'm not wrong is about three thousand one thousand or three thousand, I open the three sixty account with my spouse


because our, it's a joint account so, yes so the the, the issue is when I open this account of course I uh we were preparing for our


uh new home as well as our wedding so I encouraged that we save money together, if we are going to save money together every single month so the money will be increasing the balances will be increasing and we will not be withdrawing the amount unless


we need to like buying a flat correct or for wedding wedding shoots all this yes so that is the uh reason why at that moment uh, few years ago we were actually preparing for when we were preparing to have


marriage in mind we opened that account and back then three sixty account has, the, highest interest in the market of course currently I think COVID nineteen purpose a lot of banks are also coming out with many many savings accounts plans with higher interest ah


ya, I know that if you credit your salary into three sixty account as well, it also allows you to earn higher interest, per month


, so another good credit card ya yes every month, no problem you can you just need to maintain your minimum balance ah


ah, your minimum daily balance ah otherwise they will charge you a fee for the fall below, fee lor per month, so another good credit card which I find is actually UOB one card


minimum is five hundred per month, ya


yes then they will give you a cash rebate uh every three months quarterly, I think is six percent


so if you spend like five hundred, it's about point point uh, eh three percent then they have tier then one thousand is, I think four point five percent if I'm not wrong I can't recall offhand so once I knew about it what I do is I charged all my expenses into that same card every month so when I reach two thousand dollars which is the maximum rebate that I can get


I stop, I will use another card, no not at all not at all


ah minimum is five hundred lah so you will get how much rebates, so they would need you to charge consistently to the card, ah, so for myself my first tier card will be UOB one card that I used frequently followed by a stanchart unlimited card so these are the two main cards I use


for myself, because I think their cash rebate is one of the highest for these two card


uh


I think you need to key in the code that angel sent to you earlier the project code


do you have enough space on the phone, okay


so we continue with the part one, okay can, getting a loan from the bank I have no experiences


because my home loan is using HDB loan, , no I don't have


in your name okay


oh, why are we getting HDB loan


okay


negative experiences, is there any incident that frustrates you #yi cheng#


, your girl, okay,


oh, I think this occurs due to the fact that she's still very young so she cannot sit there to learn for a long time


I suggest ya ya correct so I suggest, for kids like her right you can let her stand up do some stretching or whatsoever for probably about ten minutes before you continue to let her do her work


ya, so for me what frustrates me is when I am actually talking to my husband, then he will just ask me !huh! what did you say ha he will always ask me what did you say I said didn't you open your ears and listen to me earlier


I spent probably fifteen minutes talking to you about this solution but you're not hearing it at all so then it will frustrates me, of course when I was , much younger I was teaching kids as a private tutor the kids will actually frustrates me ah because they do not do their


work but I have my own ways of , of guiding them also, I will actually get them to do some punishment so I remembered previously when I was teaching a very young kid I think about primary one that was probably about twenty years ago


primary one so this boy the parents actually are doing business and they don't they don't actually have much time with the kids so the boy doesn't do homework


at all so whenever I gave him some homework to do his assessment books I expect him to finish up and let me mark his homework


the next visit when I go over for tuition, but he doesn't do, so after one time after two times it doesn't turn out to be well I don't see his grades improving so what I shared with his parent was I think you all need to spend more time with the child


because the child is not experiencing enough love care and concern from the parents the child will started, will start to behave, this way but the parents


did not take too much did not take too much notice and advice lah so the child started turning bad to worse, his test actually cannot pass what I did to him was I told him if you do not finish your homeworks probably about ten pages ah for example for one week


before the next tuition one week I said I will tell the child if you do not pass the, uh complete the homework then I will I will fine you then he will ask me what is fine I will make sure you give me your pocket money


so he said cannot that's unfair you know he will have all sorts of protests so he started hiding into the toilet because he knows him did not do homework, so he sit in the toilet hide inside the toilet right


during the next tuition class, I told the I called the parent I said look your son is not coming out from the toilet, if y'all are going to continue to spoil your child this way your child grades will never improve


so I have to be very realistic about it because the child actually needs love care and concern from the parents the parents are busy with their business running their business so they don't spend enough time with the child, so I think


it's actually a very sad thing when the child behaves this way then, correct so the child actually started slamming the doors, yes so I told him even if today you are going to throw and break all your glass stuff in your house you will only get caning from your parents


I will just walk away continue to collect my tuition fee from your parents, you can continue to behave this way, and I'm very strict about it because I believe that if the child wants to learn right parents have to put in their effort as well it can never be just be on the teachers because his school teachers also complained


that he never do homework, so I I actually told him never mind after two three times right I told him, okay where's your savings money I know he has a piggy bank I will observe so he said here I said okay because you did not ten pages of uh assessment book that I gave you for homework last week you did not do right


okay, I will charge you one dollar per page so to him one dollar per page is a lot of money but because his parents gave him three dollars per day


when his parents can afford to give him three dollars a day he will go and buy toys his parents doesn't doesn't really bother you know so I told him so how much do you spend a day so he told me


I can eat one dollar I will eat one dollar then two dollars I will go and buy toys oh he's being very honest ah because I sit down as a friend to talk to him, so I said then do you save money he said yes sometimes I don't know what toys I would like so I just save first when I see a toy I like


better, I will use the savings money to buy I said so I asked him why didn't you ask your parents to buy my daddy and mummy don't like me to buy toys they told me my toys cannot share with <mandarin>妹妹:mei mei</mandarin> because he has a younger sister


so he cannot share toys with his younger sister so his parents stopped him from buying toys he is actually feeling he's not getting enough attention from his parents, correct so I told him nevermind because you don't do homework right


one dollar per day and of course I know how much he has in his savings account lah he's saving banks piggy bank ah so I said okay because you did not do five pages right so you got to give me five dollars, but he cried and cried in front of me


so I told him if you want to want me to stop doing this then you better make sure you do the homework I gave you next round no bargaining but then the following week instead of


just punishing him, I will make him to give me pocket money plus, punish him to write ah write what, write things that he doesn't like to write, but after the punishments right


his parents came and feedback to me why are you doing this to my child so I asked him do you know what your son has done, are you all spending enough time on him, because I I hear from the child


and I think that is very sad if you don't spend enough time with your child with your son who's going through school and he's feeling that his friend's parents, are spending more time can buy him more toys but you are spending more time on your your younger girl


so I actually questioned the parents, ultimately after three times of punishment he learned he learned that he can never be too hard on me, and he knows that if he doesn't fulfill what I actually told him to do in terms of his homework he will suffer


so at the end of the punishment right I gave him back, his pocket money, that he as a punishment I confiscated I confiscated a small amount only term ten percent of whatever I've gotten from him


and that money right, I top up with some money to give him a gift a pencil case and I told him that why that pencil case is unique because that pencil case has got I think a lot of things integrated in it and I told him is selected with love for him


so he felt touched so for child, I think when they're growing up we got to educate them in the correct way, so I can never understand how parents love their child


but not spending enough time to communicate with them I think, maybe when we're going through as parents right like yourself you will feel frustrated as well but the child that child when I gave him tuition


he was failing all his tests and mid-year exam after, the tuition I gave him he passed he merely pass lah he passed about sixty sixty marks so his parents are very happy so I told him the your child you should not be too tough on him but you need to show more care and concern


ultimately the parents agreed that is really because they don't have time for the child they agreed with me, P one, ya he was very young but he has got a younger sister the younger sister is actually more cheeky than him


he will disturb his Gorgor her Gorgor ah during tuition ah that Gorgor you see I'm eating these you cannot eat because you having tuition, ya, so the younger girl


got her way because of the fact that her parents are always supporting her lah you know so she felt that, she felt that it's okay what I can bully Gorgor what, you know that's how the younger girl is thinking so I told the younger girl if you are going to behave this way then I will make sure I punish you


okay because you are disturbing my tuition for your Gorgor ah then she kept quiet then after awhile she'd come back so I think it requires a lot of patience from us, so I had


because during my holidays I was giving tuition also when I was going through school, so another experience is I was giving tuition to a sec four student


sec four student a guy, then the mother came to me was she was very upset because he fail his prelim, her son failed prelim ah principles of accounts then I was doing my accounting and finance course


back then then I was like in my last semester of exam already once I pass right I will be able to graduate with my diploma then the mother came to me, she was very upset she said I spend thousand over dollars on my son's tuition every single month but my ya a lot okay they stay in a landed lah so they they can actually afford


but, she was upset because her son never pass even the prelim, so she asked me can I give tuition to her son and her son's sister is my classmate same class classmate and the another tutor for his principle of accounts is also my classmate


then I was quite upset yes, so I was very upset and I don't intend to take the the student ah because I felt to reverse his results ah within two months ah


to let him pass in GCE O level principle of accounts is a very tough thing eh, from F nine F nine to get to C six ah is already very big challenge if he can get a C six then of course we are going to be very thankful lah so I also use the same method but


but because of the fact that, his his time frame for me to give tuition is very very short so what I did was I told him he also don't want to do my my homework the work I gave him


so you know what I told him off, , I actually explained to him it doesn't matter to me if you think that your father runs a business and you'll be helping him to manage his business in future so you don't have to study that's fine go and ask your parents


not to spend money on me, giving you tuition, so because the, because of the fact that his sister is actually in my class so I said after you finish your homework you can ask your teacher to uh ask your sister to bring the homework to me in school same class


then he didn't want to do it initially ah I said fine I will tell your mum I collect the, two sessions of tuition fee and I leave, then the mother actually told him off lah of course lah, the mother actually love him a lot so the mother actually told him off


how can you be doing this you know you are supposed to do more practice, then you will be able to pass your exam so I spend a lot of time on that child as well, ultimately he passed his POA


and his mother was very grateful to me make a guess what was his score during GCE O level, he passed ah ya he passed with a B four he his mother called me and thanked me he said your fee your tuition fee might be more expensive than other tutors but you really put in a lot of effort


on my son so I said that's fine because I'm doing my job and I'm great I'm actually feeling very happy that your son got very good grades for his exam


there are always times where it'll be good if we can help more people so if I am not able to help anyone right then I will think about how to get someone else to help them I will not leave them alone


that's me that's me because, my greatest fear, I am not able to overcome challenges on my own that's my greatest fear


I think it's all about experiences, so I will use different different methods I will not just use just one method


so you see your girl your girl is always very fearful towards people, I use ya she's very shy also but now I am her BFF already, okay it's all about sincerity and love


, I will cook more food for your girl one day , not bribery, is because she knows how to appreciate,


she appreciate as well so what about you, yes


but if you need to speak in front of a group of people what do you do, that's true, did you ask your girl when she first performed on stage what does she do what did she do


positive experiences


#yi cheng# you want to start first, healthy health


your girl


, for me why I want to be alive because I want to make a difference to people's life, we are all seeing a lot of, uh, hearing a lot of people telling us they have a lot of challenges in life


so because of my own medical condition I always think that it's always a nice thing to be able to help people so if today I can help one person, I'd be very happy


it doesn't matter whether that person will be able to remember, so making a difference to people's life like along the way all these years when I share my own experiences with, those friends


like my diabetic friends they would actually be very happy and said how did you manage to do it so I said there is nothing that we can't do in this world, only whether we want to do it or we don't want to do it so for me I am always thinking that when I stay alive I must make a difference to people's life


and life can then be great, , all of us comes to this world for something that we probably might not know yet


, I think I am very versatile I can actually adapt to any environment easily


, because I realise not many people will be able to change, their , adapt to environment very easily, so no matter whatever circumstances that


happens right like challenges that happens in my life I will, I will probably think through sit down and think through how can I go about overcoming all these obstacles or challenges , because, no one will be able to help me except for myself I also don't beg others for help that's me because I think I was brought up in such a way that


, I never beg people for help lah so my my even my husband will always say why do you have to be so strong headed I said


well, if today I am going to depend on others beg others people for, help, eventually I have to ask myself how am I going to help them in future so if I don't even bother to think of solutions myself now


do you think that people will be able to help me people can only give us suggestion but putting it into action is our is all by ourselves, what about you #yi chen#


nice, okay ah


your your girl likes your cooking as well right , not bad, your mum is a good cook as well


now we have a lot of youtubes video to teach us about cooking uh learning to bake


you can actually go and view these videos, , , your mum is a good cook and baker


yes of course I will actually call your mum one day tell her uh aunty I want to cook this can you teach me


yes, ah nice she can cook her her favourite she can still bake isn't it


ya,


when we go for exercise we need to be very careful just maintain social distancing


yes, so I think you should learn to bake #kueh lapis# from your mother, eat


can you ask your mother when she she wants to take me in as her disciple I don't mind , , okay then we can go and learn together we don't have too many people we only you and me two people plus uh the helper three three plus your mum four okay can just nice less than five


after COVID nineteen phase two probably then we can visit each other, currently cannot lah unless you go and then take video to show me ah


correct, ah then we also can do zoom or webex no problem, , then your mother might feel very uneasy


but I think she will be fine because she'll be engrossed in her baking yes, then your girl can request for her no alcohol #kueh lapis#,


she she always ask your mum for the Kuihlapis, okay what, tell your girl once mummy learns how to bake #kueh lapis# then mummy can make for her


, never mind it's only your girl, then you make sure you bake more then put in the fridge


, your girl loves it isn't it


so once she's tired she'll start, stop asking you to, bake yes, cupcakes muffins, ya


oh, that's kids because they love chocolate, I recently had a recipe that my colleague sent to me about making ice cream Matcha ice cream I can forward to you later it's easy only three ingredients required so my


condensed milk so my colleague reduced the, what is that reduced the condensed milk that she added so she added


short fingers, into the ice cream so I happen to be in office because when we go back to office is on rotating shifts lah


so we need to inform earlier then she passed me a cup of matcha ice cream that she made the day before I happen to have the fortune to try out the matcha ice cream it's very nice not sweet


so I told myself okay I will go and try it out one of these days it looks simple maybe after I make you can bring your girl over to come and collect, or ask your husband to drive over to come and collect because I think after the ice cream is made right it cannot stay out for too long ah it's ice cream anyway


bring a chiller bag yes, you can actually probably for your girl green tea powder not that suitable you can just change it to chocolate


yes that's your girl's favourite, she I am her BFF , , okay probably I will just check with you do you have times when you blush the most


okay, that's common I think


I think most of the time when we were , when we blush is mainly we did something, probably silly or funny and people are starting to laugh and then we think that oh that's fine because we take it as


uh, funny experiences, yes because cheering people we if we are able to cheer someone up, then I think that's fine it doesn't really matter


what is the thing that you do now with your girl, as a family


okay, ah


, oh okay, that's nice so every day when she's home you spend


bonding time with her most of the time, then do you have any favourite activity to unwind and relax,


oh okay so that's your favourite activity, but currently our cinema is not open yet so we cannot go and watch ya


only TV for myself my favourite activity is to cook, ya, he he always tell me whatever I cook he will eat but of course he will give me comments on how to improve ah because he always


try his limit to tell me I feel like eating these then he knows that I have never tried cooking all this stuff before, so I said let me go and find on youtube and google how to cook this thing


so I learned everything currently about cooking from youtube if not then I will ask my mum do you have any easy way to teach me how to cook certain things, then my mum will say I also don't know can I go and ask my friend first ya I think elderly will not know how to use youtube and google as much as us so the first thing they will do is they will actually go and ask their friends


ya, so like correct correct so like yesterday like yesterday I cooked chicken claypot rice for my husband


because he say I feel like eating chicken claypot rice I say !wah! that's a very tall order, he say never mind you you can always go and google and ask youtube what I said okay so I went to check


I say uh claypot I have but is very high up and I need to climb up to bring it down can I use, the rice cooker he say I don't know you go and ask google and youtube so I found a recipe very simple recipe to use rice cooker to cook chicken claypot rice for him then he told me


people probably sell five dollars right but yours ah so many chicken so many chinese sausage mushroom and vegetable I think you need to charge people ten dollars people will also eat


because I think is only for him right for ourselves so I don't have to stinge and it's my first attempt what so even if the appearances doesn't look that good, at least the ingredients will be able to outshine my poor appearances of the food


ya he told me so many ingredients then you cannot make money I said I never think of making money because I'm not going to cook to sell but it's actually very easy


it's really very easy to cook, ya of course you got to marinate the chicken first ah I can forward you the youtube video can go and check out yes it's easy probably your girl will like it


then she'll give a thumbs up, claypot for you so nice so nice


ah ah correct


indeed indeed, so everything will be done by the rice cooker so my mum doesn't have a claypot so she also use the, rice cooker to cook like my mum right she loves to use the rice cooker to cook all sorts of things if she can use the rice cooker to cook porridge like some of the rice cooker nowadays days the multi-purpose rice cooker they can use to cook


porridge cook bake all this right correct, so she she did that then she told me it's so easy you know I just put in all the all the uh


ingredients and then it will be cooked I just have to stir stir stir and then it can eat already I say !huh! you sure it sounds so easy then she said, of course lah, you are using a multipurpose rice cooker you don't know how to use meh I say !huh! you know there are so many changes to our technology now


so our life just gets probably easier, but of course we got to cherish whatever we have now lah like the elderly they will know how to make rice dumplings we just ended our rice dumpling festival


so I asked my mum you love to eat rice dumpling do you know how to how to make wrap the rice dumpling she said I don't know I only know how to eat you go and ask friends


financial related topic


so I begin first okay, uh [orh], savings accounts I have with DBS and UOB, then from what I know their interest rate per annum is only zero point zero five percent but because their ATMs are easily accessible that's why I have I stayed to these two saving banks savings account how about you sharon


ya same but actually last time ah quite long time back I have this uh, CIMB starsaver savings account this one right actually the interest rate is higher is zero point eight percent per annum however you need to maintain five thousand minimum daily amount


in order to get that interest ya so DBS and UOB is still better because the minimum is five hundred


(mmhmm), , (mmhmm)


oh, !wow! that's more than what DBS is charging


yes ya that's true, exactly


correct, , yup elderly thinks that way okay uh


actually no uh quite long time back I did have a shared fixed deposit account with my mum at DBS but that account has already uh stopped very long time ago ya


because that time my mum have a sum of money so we were considering where to put it so we wanted somewhere whereby it's can whereby the account can give us higher


interest but low low low risk ya so in the end we decided to just go for fixed deposit with DBS, I think that time that one was ah correct correct yearly renewable that's right


oh is there any minimum amount


oh , , oh I see okay that's nice


, oh !wow!


ya, exactly much much more than putting in the savings account,


oh there's a ya correct two years sounds good,


correct, and the and the vaccine is not out yet, yes ya that's the sad sad thing


yes for sure safe distancing and always wear your mask and wash your hands regularly , , I totally agree


ya lor but no choice eh this is a new habit for all of us, okay


, ya for sure so by the way do you have a credit or debit card


oh oh oh , debit card ya ya I think that's the trend now uh okay I have this maybank family credit card


so what this does for me is when I go do my grocery shopping at NTUC right they actually will give me five percent rebates, for is there a minimum spending uh I think for five hundred per month


then you will get these five percent uh rebates, maybank, I think so (uh huh)


oh is it is it just any credit card for maybank


oh okay I didn't know that okay next time I'll go and try, okay


, oh and is this OCBC card


a multiplier card or it's not, oh okay


, I see


oh so it's a shared account oh it's a joint account okay


ya there's a lot of expenses


oh (mmhmm)


oh okay but that has to be every month credit in ah, then what will happens if you uh if you take out some some money from there


oh oh okay okay that's how that works, oh I see


that one is it something like you have to accumulate uh, at at least three hundred of spending for three months then you'll get a oh five hundred spending per month


, how much will that be, I mean what's the percentage like I


okay so,


uh okay , ,


okay and it and they never specify you can only spend at maybe say supermarket, or restaurant oh so anywhere as long as you accumulate five hundred of expenses, ah


okay !wow!


I see, !alamak! sorry sorry, uh angel I think my phone went into screensaver shucks


!oops!, unlock already then I think it had stopped recording the clock the timer show fifteen zero zero five nine, sorry sorry


okay ya , eh okay uh my app restarted leh (ppc) my app restarted, uh that means the app closed by itself and then I got a message that is saying that appen mobile recorder has stopped restart app or send feedback


okay, uh okay I I'm back to the part two positive eh eh wait wait wait cannot it start it it show me this message again ya


okay I okay, oh ya ya ya okay it looks good now I think can already eh again eh it happen again


no but, ya ya it just automatically close let me try again unless I need to restart my phone oh ya I try the third time it's still the same the app open for like few seconds then it closed by itself and show me this


okay let me try, I have one gig


wait ah, eh now it looks fine I tried to close and open again is it looks okay now, okay yes


now how about let's share about our our experiences with getting a loan from the bank, oh how about


, oh your car loan if you have one, oh, okay for myself uh my hubby has a car loan


from, no in his name in his name, ya, the loan was from, why the loan is from I think from citibank


if I'm not wrong ya other than that same my home loan is also from HDB, (ppc) (ppc)


negative experiences, uh let me think I think there's a


one of it that comes to my mind now will be when I'm teaching my daughter schoolwork , , because some task yes so let's say for instance she needs to do a worksheet and then there are


three lines that she need to write okay so usually the first line will be very fast she finish writing second line the speed starts to drop and then sometimes when reaches the, last line she will be there, dreaming thinking whether she want to do it or not and then it feels like it takes forever for her to finish it


so that's the time that frustrate me the most especially when I need to help her with her schoolwork after that I need to go and cook so it's like time, is running short but she's not cooperating ya, so it's really frustrating how about you


(mmhmm), ya maybe maybe but we're not seated there for too long


, ya sometimes I will do that as well


(mmhmm), ,


, and that is,


, oh ,


, notice


oh my god,


, okay ,


, ya feel sad for the child


oh oh (mmhmm),


!wow! that's a lot ya, (uh huh) at


, (mmhmm)


(uh huh), , , ya it sounds like it poor child


(mmhmm)


and he gave you, ya,


(mmhmm) , ,


(mmhmm),


, how old is the boy then !whoa! still so young oh my


ah ah ,


oh my okay, , okay okay so there's favouritism ah


okay, , (mmhmm)


, (uh huh) okay


okay, !wow! that's a lot,


, oh okay


okay , that is such a big coincidence (uh huh),


ya it's a very big challenge,


!wow! okay


(uh huh) ya, !wow! you have actually helped two kids that is so nice


that is very nice of you in that case what is your greatest fear,


but but you sounds like you have always overcome all the challenges even when you are teaching the kids,


(mmhmm), or shy when she put it, , ya


ya, that is called bribery , (mmhmm), ya she does for myself I think yes


eh me too I also appreciate all the food for me I think my greatest fear will be to speak in, in in in uh in public or in a group of uh a lot of people that shall be my greatest fear