that that scares me a lot actually, I mean I am graduating only in two years' time but, I don't think, it will recover that fast either, so hopefully


it'll hopefully things will get better than the current situation right now hopefully that we do


positive experience, okay, I mean the first thing I can think of is actually food


how can food not make you happy especially if you are eating your favorite, food I wouldn't, say I am a big foodie, ya but then you know that when we we do go out like once in a while or we hang out at each other's houses and


order food, or like we cook you know at each other's houses, so that actually makes me like, yes my house especially, so ya it makes me contented whenever like, I'm eating something cause


ya, food will always make you smile, especially when you're eating your own like cooked food right, won't you feel, definitely satisfying remember the other time when we cook the Lemak chili Padi together


ya it wasn't bad, exactly , so ya this type of, exactly and it paid off it actually like taste good, ya


ya okay decent but ya the feeling of you know eating something you have cook is very satisfying, , and like eating it together with people you know, that's, ya that's the feels


, I remembered that


exactly right, , you must have love it so much


were they soft (hmm), even better , me too


I'm always looking for a great deal, yes we know this, I try , (oo) this could have been for the finance part finding great deals


, others what actually just, being with people makes me happy


it it might sound cliche, ya it might sound cliche or what but then, ya ya exactly exactly


it's just nice knowing that there's someone there for you, ya exactly , we are getting sentimental


, that's true oh speaking of TV what is the, best movie or TV show that you have ever seen


well tell me then I know you have a few, , brooklyn nine nine and friends are in my list too


and you can watch it anytime, like no matter how many times you watch it on repeat it never gets boring, ya definitely


unwind , and actually kind of, right, sorry okay actually kind of kind of bum that there isn't, that type of shows like currently airing


right ya (hmm)


that's true every other day we just watch it, , I mean hopefully they come up with like better ones or at least like, uh the Sameish type of show ya, ya


my favorite movies all come from disney, I I'm a huge disney, fan, I think you should know that , exactly


she does especially when they're singing all the aladdin song, that makes me happy cause I can sing along too, ya even the real action one was great, yeah yeah, I like the real live action one too


oh I watch it too ya it was really good, ya different type of scenery, than the usual like just on the


TV, right and the costumes, think aladdin has one of the best costumes for musical,


(oo) so many places, I think one of, the places that I really want to go to is actually korea, like south


I did but I actually miss the place, yeah but, I feel like if I go there in the future I would try to go to the more, rural areas cause I only went to city areas, and I did go to Gapyeong which is one of like the more rural side like the farmland all but it wasn't enough cause I was only there for a day and I really like the scenery like it's it's so different than singapore where it's all like buildings


yeah but and, that is one of the places, which I really miss and I mean, going to UK, ya


I used to go UK every other month , and now, when I'm not working, here I am ya ya ya, and I used to always watch musicals when I'm there


that's why ya I just like at, in fact any countries is fine you know just want to head out, get out of singapore just for a day like even change of scenery how about yourself


I agree, that I feel you


we used to be able to, exactly, and we used to be able to cross the, border like anytime we want to like even last minute we can just like, go in now we can't


and that makes us happy too , , we so cliche, , (oo) describe a time when you laugh so hard


, you do , was there like an occasion which was like very memorable until like you laugh


so hard not really , oh actually I do it was actually like something small


but it was funny it was like when in poly when one of my friend suddenly like farted out loud in front of all of us, it was hilarious cause we were we were actually like laughing because of a joke so while we all were laughing, he ended up farting also like you know


the laugh and you fart at the same time, I think that happens right ya so it was so hilarious that we even like we doubled with laughter, but it was a close friend ah, it was a close friend so it was fine cause it was quite hilarious as well


ya I think that was the, , that was quite funny, , but us laughing also makes it like less embarrassing for him so, yeah, but I don't think he cared also


I actually don't think he cared, right


what an interesting experience, she she must have forgotten just for a moment,


and you still remembered it, (hmm) ah so hilarious, that friend of yours must be so fun to be with


interesting , what what type of activity do you


no get it out , , [orh] uh what type of activity do you like to do to like relax or, unwind yourself that's true


actually that's kind of interesting like the things you find therapeutic is something like I find a bit, tough, like I don't think I will have the patience for it, but then again like different people enjoy different type of things


and like cause like you have to learn and all, but that's cool, oh for me I think it just like what you mention like netflix and chill that's the easiest, way to unwind yourself but besides that


I like doing, like activities, like bowling, and recently this year I started running, it's not, relaxing but it makes me feel a sense of accomplishment


that you know, yeah, like to unwind myself after like a week of, work go outdoors and run ya ya


because the outcome of it after that ya, just like, , especially when you run at night and like, it's a change of scenery because we are always at home at night, exactly the company (hmm)


also what do you love about yourself, !wow! okay name me all,


yeah that's a good trait honestly, no they are the weird ones , , I think my positivity , I


prefer to look at things on the brighter side I don't like to dwell on things that much cause it will just make you feel, depress and sad, and like you know you only live once so whatever happens what's done is done don't dwell on it


just move on with your life, ya so I try to always look things at the positive side, I try my best it's not that I always do but I try my best, in my head I'll be like no it's okay you you can do it better the next time


you know ya so ya I think that's one of the characteristics, of myself that, I love about myself ,


exactly like whatever people say about you, don't care because at the end of the day you only have to please yourself and no one else, , exactly


(hmm) actually my family, like really


I have the most supportive parents, they let me do, whatever I want and they're always there to like support me, in whatever endeavors that I choose to pursue


even like as you know that I left my job last year so, it was a sudden, change like they thought I was going to you know stay in my workplace for quite a while but, ya they was


encouraging about the decisions I made so I guess that's one, thing yeah exactly


that's true because my decision came quite last minute like it wasn't something I plan a year or two it was only about a few months before I left my job I told them, I'm gonna leave my job and go back studying , ya yeah that's right and yourself how about you


definitely like family support no matter like relative or direct immediate family ya it's always great


finance


you want to start first or I start first, okay , for me, I usually save by, I don't have a big savings account but


I I think you should know that I have a small piggy bank in my house so I will just keep whatever coins I have during that day uh like let's say I finish school then I have excess coins in my wallet so I just


just throw everything inside I tried this for about two years and every year I will recollect my coins and then , usually like I can save about to like five hundred like for the coins itself


I don't have a savings goal lah usually uh I just because I I don't have much spending like expenditure so I will just uh save for what I might use in the future, I think for you you have a different way of saving right


ya can


then what what do you think would be different five years ago, for your saving habits


, for me five years ago I mean I was fifteen so five years ago when I was still, , like three, uh I didn't actually have much,


like I didn't have a mindset a a set mindset for, savings because usually my mum will just give me my pocket money so I will just ask for her , actually when now that I think about it I really should have started when I was younger because now I don't have a lot of money I always I always run short of money even though like


even though after I save uh my paycheck for from work so, I think five years ago I should have started like doing the coin savings lah because the piggy bank savings I only started when I was eighteen I think


ya but that one also because of COVID, a lot of money was used, uh like for my, personal uh, like usually I I I like to shop a lot online so I realised that my savings my personal savings from the piggy bank finished up because of the


online shopping habits, ya I mean don't you shop online uh don't you also shop online during COVID the quarantine


ya now that I think about it right since like we both already have partners, then I always think about the future, like how will I have enough money cause we both have a lot of like future plans like for me I want to take like my license and like continue studying ya


, actually I've never asked you this but do you have a credit card


but I feel I feel like credit card is so dangerous because is like you, uh you get the item first and then you pay later but when you pay later there's interest, then that kind of


like it increases the payment then I've never used credit cards so


I mean since we're both still quite young, , how do you manage your CPF savings, like since we both work in the same place anyway


or like what do you think about CPF ah, you want me to start first, okay okay for me because


previously when I accepted the current job I I didn't have uh is more like, it's not a permanent job so they didn't have CPF so whatever I


how whatever I do is, how much of the amount that I get so now that I started working, and we work in the same place so we know uh roughly, like how much they cut our CPF I feel like it is quite good uh there's pros and cons lah the pros is that


uh for ever since I I restarted working actually our CPF is there's quite a huge amount for our CPF for for the, for the the the time that we actually started working which is about like two years


so I actually check our CPF savings actually quite there's quite a lot of amount in there but the cons is that sometimes uh when we don't work a lot right, our pay is very low and then uh when the CPF is included it cuts our pay even more so then like our pay decreases then


like we don't have much to spend on ah especially when we both still studying we have quite a lot of things to buy like our laptop, ya or our mobile data, yeah I mean that's at least what I feel about the CPF savings lah so like I don't know what do you think


okay recently like ever since COVID started I find that I've been spending on a lot of unnecessary stuff you I mean you should know like my clothes and makeup ya I think, I think and I just know that it's a very bad habit and I know I should stop to save money but I still buy it anyway like


just a few hours ago I bought a new shirt , which I don't really need but I still buy it anyway because I don't know, but I mean I mean, in my defence at least is part of my coping mechanism since like my my


my exams are nearing so is like you know stress stress shopping, how about you !huh! how about you


but I mean because we both are big spenders big spenders right then, has it ever been like a time where your money totally ran out and then you had to like, loan money from your friends or your family


like because we both are quite big spenders right so has has there ever been a time where your money totally ran out and then you had to like loan money from your friends or your families


, I mean there was one time I uh I had a personal problem then I I honestly didn't know where to turn to


because I actually had money but I don't know why I just told my friend , uh that I was in trouble lah but, actually I didn't need the money it's just I guess he just give it out of like goodwill lah and kindness but he said uh just use my money first


so I guess it's not like it's not really loaning ah is just he just gave me out of goodwill I mean I ended up paying him back anyway so, yeah


have you thought about your retirement plan, ya I mean it's still a long way to go but you know, starting early is better


so you think I should plan already


I mean, I have planned a little bit but then uh what I realised is the retirement plan in singapore it's a bit difficult because you know you can only like


withdraw your CPF savings like when you are of certain certain age uh I think it was sixty I can't remember but I think it was like sixty, so I I'm not or is it more I'm not I'm so sorry but I'm not sure is is more higher but for me is like I don't even know whether I can live that long


so I don't even know whether I can live that long and like it's a bit painful to see the like your hard earned money just being kept there and then you cannot use it for anything, but uh like my friends uh their parents already retired like quite early actually and


actually for me it looks, retiring actually looks a bit boring, because uh from what I heard lah from my friends uh like their parents, what they do is just like sit at home and then do random things like sewing or like cleaning the house then


to me is like , maybe cause I'm more I'm a more active person ah I like to do like a certain things like I cannot just wake up during the day and then, oh I feel like doing this or I feel like doing that I just need like a fixed schedule I mean maybe cause I'm still young lah but I'm not sure yeah


negative experience in your life


okay , I think you should know that there was one time in secondary school where like my close group of friends like back stab me I think you remember right yeah


I'm still quite hurt about it like now at this point in life but I mean I try not to, let it affect me in like my studies or like my relationship with my friends because I feel like


it's part of a learning process in life lah even though like I, I actually lost, uh I actually lost myself in, during that period of time and I lost my friends uh I lost my motivation to study


uh but eventually , I got I pulled through, but it was a very painful, uh it was a painful path trying to pull myself through again lah uh back and I never want to go through that again because it was actually very painful


like even until now it it affects me very badly and I think you should know about it lah like you should know how how badly it affected me yeah, I think you had a similar accidents also right your friend


, what is your biggest pet peeve


my biggest pet peeve is when someone keeps nagging over and over again like it just really gets me so frustrated and so annoyed like I can literally just blast at them but I mean I don't lah I just


it's just very annoying and especially when people tell you what to do when you know you are going to do it, but they tell you and then it and then you feel like I don't want to do it now because they told you that you're supposed to do it that's like the biggest biggest pet peeve I have in my life I cannot stand people nagging at me yeah


I think for now my greatest fear is what will happen after my mum like uh pass away you know I I I constantly think about it like


how do I lead my life with my younger brother you know how how am I going to support the both of us because like I mean you know, I mean it's bound to happen anytime you never know when it's going to happen or where it's going to happen I mean that's


that's one of the biggest fear like I think about it like almost every night and I try to, give myself like pep talks to tell myself that I'm going to get through it uh because no matter how many times you think about it you still when it happens you will still you still going to breakdown right you still going to lose yourself anyway


but ya that's one of the biggest fears I have like currently lah as of now how about you


yeah, is that why like you always think that you're not good enough like is that the reason why


, I mean okay I didn't travel to much places lah, but I think there was one uh there was one particular incident I think it was the sec` three like sec` three overseasuh overseas experience uh I went there


and there , there was one time the when we were I think we were about to go to sleep, and then the housekeeping, guy he went into our room


like without our permission, and then I was like, I think I was with my with my friend lah that time my partner and then I we were both so shocked and then we both screamed, because uh we honestly we don't know what he was trying to do or what he was going to do anyways and then he he looked at us with like a very flat face


and he wasn't shocked or anything so it was very suspicious lah and we got so shocked so we just screamed and, uh the moment we scream right the the staff and our friends all started coming out of the uh their rooms and then our teachers started going up and then like I think an hour later


the police came you know the because we were at vietnam so the police like the vietnamese police came and then they went to investigate and everything and then I was like I was like oh my god I never want to sleep in hotels again


that was actually quite scary yeah you


have you experienced any loss in your life, have you experienced any loss in your life, ya like , like a family member or your friends


I think, most people should know by now that uh earlier last year I lost one of my best friend, uh he took away his own life uh I think it shocked me lah because I knew he was upset like he was genuinely upset for like


his family like they had a lot of they always quarrelled but I never expected him to take such drastic uh decisions lah, so uh when I found out about his funeral uh about his death


uhhis one of his close friends called me in the morning uh he she told me that he's gone lah and then I was honestly so shocked I couldn't say anything I was like oh


and then I asked her like what happened and everything so she told me that he he took away his own life and then uh the first thing I did was I saw his message uh he he he left like a message lah for me


and it was like four hours before his he he took away his own life and I checked his twitter account and then he he was saying how , he got so tired lah and it it's very


painful lah even until now because he was such a good friend you know he was with he was very close to me, and uh you know howuh malay traditions right uh after they uh cleanse the the body and then you can go in front to just look at the body for the last time right you you know there's this tradition


ah ya but for me when they call my when they call out my name I couldn't move, because I was so shocked like I kept telling myself that is not real but when I saw the body I just couldn't say anything lah and that's one of my biggest regrets also is not


you know going up to just look at him for like one last time before you know he gets buried uh ya


okay describe what you dislike about like the younger or older generation, okay for me for the older generation what I don't like is they have a very fixed mindset like uh they always think that uh


they they still some some old people still have the mindset that boys and girls cannot be just friends like, uh they always think that when they see a guy and a girl going out it they have to be in a relationship and I think like it's


when times change right it's not it's not the correct mindset anymore lah because I saw this quote and I think it's really it's very true lah they said that your parents , your parents raise you for a generation that doesn't exist anymore so you shouldn't follow


uh what they taught you to teach your own children because it's very different already like if you let's say you teach your children to, you know how uh last time they used to have canings right so if you do the same to your children it might not not it might not necessarily be effective enough it might not be the proper way to educate lah because there's so many


other proper ways uh technology using technology maybe you can educate them or you know maybe you can just, like use words lah and not use like physical abuse that's what I don't like also they they the older generations they always


prefer to physical uh physical abuse to like teach their children that's I don't I personally don't believe in that lah I think, if you can you know, talk nicely to the child or whoever it is then maybe you can slowly work uh change their mindset like change their attitude you know like you don't you don't be like this don't be like that because


when you abuse someone then the there comes the mental abuse also like the person can be traumatised when they, grow up or you know when they have meet their partners you know all these comes in as like their trauma with them ya what about you


positive experience in your life, okay


I think for me is the same but what makes me smile is when I am the one like helping like doing like small little acts acts of kindness like there was one time I was on the way home but I stopped by the


uh a shop like this pop up shop, to buy like uh candy and then uh, the in front of me there was this primary school kid if I'm not wrong he asked the lady whether there was a, public phone near and it was the interchange lah it was quite a new interchange so there was wasn't like public phones around and then when I already paid for my candy I went up to him cause uh he was going through his phone and then he wanted to log in into like the Singtel WiFi


so uh then I went up to him I said uh do you need any help and then he said ya I need to call my uh my mum because his prepaid like ran out already then I was like [orh] okay you can use my phone to dial your mum so he did and then he was like oh my god thank you so much


and then I went home and then I was like oh my god luckily I actually went out to the boy and asked him lah whether he need any help actually that made my entire day because I can help someone you know yeah


another thing also I think is when at work and then like customers are always very, appreciative of what we do or like they understand lah the like they understand when we're busy and then they'll be like oh you can take your time, and that actually be a uh it made also feel like okay you know all this hard work is not for nothing


yeah


sorry what is it, okay , because you said like all these little things make you smile right and I know you are a very smiley positive person do you ever have a time where you always laugh very hard


I think actually right uh I don't know if I've told you this before but every time we work together I laugh, very very hard there was one time I almost peed myself


I think that's a very, like every time we work together I feel like, uh we are in our own zone, so we we we don't we will forget everything that's happening in our life and then we just you know make the most of it and have fun ah


yeah I think that's also like, a few of the common things we have, like as friend, like we just laugh a lot, I also think that we like to shop a lot like we always we always influence each other even though before outside the store we'll be like okay we are not buying anything but we end up going out of the shop with like bags


, the other common thing about us also I think, we like to go out together but we just don't have the time


yeah,


ya that's why ah, ya that's why I think because we don't spend much time together that's what I'm really grateful about ah like the times that we actually get to spend I'm actually very grateful that I have the time with you even though we sometimes even meet like once a week at work


and it it's at work it's not even outside I feel like you know what at least it's something rather than nothing you get what I mean


the other thing that I'm grateful also in like my life is that like I feel for me life is, is ending not life is ending sorry like my like my journey in school in my school is already ending


so it's like is, finally time that I get to relax, but I know like I need I only have a few months left so after that I know that I have the time to like catch up on myself you know get do whatever I wanted to do like before


yeah I mean I think you also right because your intern finishing soon


what what do you admire about most like them, what do you admire best about like your family, cause you said you grateful for your family


ya like what do you what are the characteristics that you like about them


uh actually my little brother like the one eleven years old right he's very ya he's very cheerful you know even when we scold him right he will not be upset or he will not like hold grudges you know when someone scolds you and then you'll be like you'll be like angry again


like you will be angry at them right but my little brother doesn't, he'll be he'll be like [orh] okay and then he will do his own happy things again so I think that's what I admire most about him because I cannot do that, cause I cannot do that I mean you should know I am I am a very slightly angry person


, yeah and my mum also she's very patient ah, and she knows her like she knows what she wants and what she needs to do for her family because she's always the one uh she's always the one leading the family and I think that


one thing I I'm learning from her lah like to you know lead myself and like my family then , actually I also learn because I always clean at work right that part that part is I learn from her


cause she likes to clean she likes t clean so uh I guess I followed her footsteps from there yeah


, you want to start first


I think, I what I like about myself is that I can draw so for because I I'm not really a very expressive person like I don't know how to uh I don't know how to put my uh feelings in words


so what I do is I draw uh I draw anything that is nice pretty or un-pretty, but when like , because I really appreciate the people around me so what I like to do is I like to draw their faces uh and then I draw them and then I'll post and then uh I think that's one thing I like about myself lah because not everyone can draw


uh I guess that's one uh special talents yeah, ya I think that I think I I I was quite proud about that lah because I have never had like any artwork in the museums


, what would your be what would your proudest moment be


since mine is the museum


was it the one at night was it the one at night, yeah I mean for me likely


ya , oh you like to eat right what's the best meal you ever had


actually I don't know if you notice but I love steak, so that's one ya every time I go out I have to eat steak I think that's one of the best meal I have ever had the one the nicest one I've ever tried is


actually at uh Yishun I think at char grill chicken remember yeah that was so good


yeah it's so nice, after after intern


and you answer first let me think about it first


(uh huh)


yesterday right actually, I like to go the esplanade you you never know what kind of performances that you like every night there will be free performances


I mean I'm not sure about COVID now ya but I think the last time I went there actually was earlier this year for like there's this Muara festival every year so is the dance festival lah


it's actually very nice I I love to go, but then uh this year I couldn't go there because it was raining so I couldn't I couldn't sit there because the the the rain was on me like they they had a short shelter there then


every time I go there also there's like free performances or like free uh there's like free theatre theatre performance ah and , and then you know cause I'm broke so I like free stuff like free performances is actually quite nice yeah


finance, okay okay I I think you should start first


I I think so but about me collecting my money at inside the piggy bank is the same lah ya, ya can you hear me ya


so for me, yes I have a piggy bank and, I don't really use it a lot be cause cause for me uh like now since I'm having intern and all, so I prefer putting my money inside


the bank itself yes but, for piggy bank is mainly for coins and ya for coins only but, , I don't really collect the that much so, I just rather prefer putting my money inside the bank itself


and ya that's it , I don't really have a saving goals for now, cause I feel like I'm, too young and to like, start collecting now , to have like a saving goals cause for now I feel like I want to live my life to the fullest


I I'm not sure do you want to answer it first


ya, sorry, yes ya, I prefer to shop online rather than going to the, shop itself like, for me uh online shopping is


convenient because I don't have to go to the shop and like, buy stuff there cause I'm actually a lazy person so for now I just do online shopping rather than going to the shop itself yes


but for me uh, five years ago, , actually is like the same story as yours, I don't really think about, saving money because most of it like my parents will provide me money for


for school for food lah, so I don't I don't think about saving money but for now, I kind of regret it because, , even though I am having intern and uh a part time job


but at the same time like, I feel like I I need to start saving for my future too, better lah it's going to be better for the future yes


I'm okay okay, uh for me I want to be, actually I want to be a a teacher , that's my dream job, so


but ya that's the, uh yes I have a credit card I just recently uh made it and


it's how to say, I don't inside my card like there's not enough like a lot of money since I always spend online shopping uh going out and eat and all


so , ya I don't really think about saving my money and is not, I mean , there's not a lot of money inside so I'm trying my best to save money, actually so I think my next pay or anything I'm just going to keep it not going to touch it only some lah like two hundred or something and the rest I just going to keep I cannot


it's so hard ya


oh ya ya ya I think it's quite it's very dangerous like, sometimes I will just keep my card, like I told my mum to keep my card just because I don't want to spend anything, but for I don't really I don't pay for my


how to say like I don't pay for my , uh data ya, ya something like that or Netflix I don't pay for that and , my father


paid everything so ya , but online shopping all me lah ya okay okay let's move on, uh


okay what question do you want to talk about next


I I feel like ya ya


oh ya a lot of commitment, ya ya ya, I think about CPF savings


I don't really quite know like uh, or like what does it do and all but like I know it's, convenient for our future, like for housing and all, but I don't really have a lot of knowledge about CPF but I just know that it's convenient I don't really do research about CPF honestly but ya


I I feel like it's, going to be like when we grew older, it's it going to help us like a lot so ya that's all I know about CPF it's just convenient ya, so


okay what, have you been spending too much on


ah okay I see I see okay for me I spend more on food and skincare, ya for food


okay I love to eat and everything so that's like the first thing that I'm going to like, I'm going to spend on like as soon as I get my pay the first thing I'm going to buy is food yes uh for my skincare


like I realised when my when intern started I'm I was very stressed and there's a lot of breakouts everywhere so, I I spend a lot on, skincare products too


and it's very expensive so I don't really, like buy it like a lot of how to say like, for that one month, I need to spend more than a hundred for


my skincare, but it's not like everyday kind of thing lah it's only like once per month I'm going to buy and use skincare routine yeah


sorry uh can you say that again, ya ya


oh yes yeah, I remember that time, oh I didn't know how much was in my bank during that point of time so I was like telling my friends it's okay I'm going to pay everything so for like for the food


and when I went to the cashier I tap my card, suddenly it says like like uh it make this very weird noise so I'm like !hey! I remember I got hundred inside and so after like


after that I I told my friend to pay first so after that I went to the bank I look at, uh how much was in my card and it's like twenty cents left, I was so shocked I was very shocked I I can't believe it and yes how about you


, oh okay okay, and and okay what are we going to talk about, do you have any idea


retirement plan, , for now no, because honestly I feel like I want to have this kind of planning


when I'm like twenty or something ya twenty starting when I'm twenty because, yes I mean for me lah for me like I feel like I want to start


planning when I'm twenty but for now I'm just going to just spend whatever I want to and is just I feel like it's just not the time for me to plan all these stuff yes how about you


, ah okay I see I see


[orh] ya I see I see, I feel like planning for retirement is actually important like, how to say like if we don't have any job or anything


we can you know yeah, okay okay it it left only fifteen second should we quit


I think it just going (ppl) to stop (ppb)


negative experience in life, okay you want to start first


oh I remember


when I was, young like when I was in primary school back then like primary one to primary two, I remember I got bullied by mean girls, inside my class


because I was very fat last time and I also I am a very nerd person too like I have this big, like sunglasses with me eh sunglasses glasses ya so I remember like getting pinched almost every day with these these particular girls


ya and I came back, home crying, crying to my mum and they like I just I didn't tell her the problems that I I had I just like cry and hug her, cause I don't want to tell anyone about the problems that I had in school cause I don't want them to care much


so , ya it's a very bad, thing that happen to me in my life, like that's the bad thing that ever happened to me , and I also remember my teacher actually pulled my hair cause I couldn't stop talking


ya ya but now I'm much more happier, ya because of I have like good friends and, uh family that is supportive and all ya


okay (hmm) what do you want to talk about next


, I feel like my biggest pet peeve is when, someone talks while they were when while they're eating, like I find it so annoying like I don't mind if you want to talk like just like a small but I I just don't like when


the is so long, and then they keep talking while chewing I feel like oh my gosh that's so annoying for me yeah how about you


oh ya same that actually I mean I don't like that too honestly okay what's your greatest fear


okay my, for now, my biggest fear is actually, falling for anyone, ya that's going be one of my biggest fear because recently


uh I broke up with someone and, it's my first relationship and I feel like, I don't want it anymore uh like that's going to that's like falling for guys is actually one of my biggest fear like


I'm scared like if they like going to hurt me or anything, ya and because I want, what I want is I want to be happy I don't want to be sad all that cause of like someone so my mum told me once like


your heart my heart developed for like like when inside my mum's tummy, which is developed like nine months right and I just like, you know because of someone


my heart broke just like that you do you know what I mean yeah, so that's one of my biggest fear for now yeah


yeah yeah like I, when uh when I was with him, I remembered how insecure I was and , and I kept telling myself that I'm not good enough or anything it actually brings me down for some reason so for uh if I want to prevent that from uh happening


then I just feel like I don't want it anymore cause like for now I just want to be happy


okay do you want to share about the worst travel experience you ever had


oh my gosh


no oh that's actually with them , oh my gosh for me, I remember when I was primary five, so we have my me and my family like plan to go Pahang in malaysia


so uh we actually check, we did some research, about the hotel that we're going to it's actually pretty and nice, so as soon as we get to Pahang


it's completely different from what we research, yeah and it's actually like a normal Kampung, normal like Kampung ya and, it was the worst


like worst experience like travel experience I ever had and I remember the, uh hotel there is a lot of cockroach and lizards everywhere, I was so mad like


I didn't if I know that the hotel is going to be like this I won't go I will just stay at my grandma's house like, oh my gosh it's completely different from what we saw like from what we research about, and that actually piss my family and my and myself


but ya that's the worst travel experience yeah okay


sorry, any lost,


my uncle yeah, so, basically I remember on that day I was schooling, I was still schooling and I found like a very sad I found out from my mum


something happened to my uncle that he's he left, and yes and the saddest thing that he actually left at brunei, yeah so


he's the best uncle that I ever in this world, ya he taught me how to be patient and everything he taught me a lot, so , ya I remember on the last time I saw him he actually taught me about religious stuff and all like


he taught me a lot of good things, and I remember the last thing he said to me that he will actually come back and share more stories, but ended up he didn't he actually left, and I couldn't stop crying at school I remember going out from the toilet with like with very swollen eyes


yeah and the fact that I actually can't see him because like visit his uh funeral or anything because it's at brunei, so ya for now I I, if COVID ended I think I to I'm going to tell my mum that I actually want to go there and visit him how about you


how about you


ya ya


yeah yeah I understand that yeah that uh yeah that's actually sad but it takes time for us to actually, you know like to


it's not forget we could never forget that one person but, it takes time for us to actually, deal that they're actually gone, yeah so yeah, okay (hmm)


okay do you want to choose or I choose, do you want to go first


nah I uh for me I I'm not sure but, cause I don't really focus on, people that much yeah so, but for me like I feel like kids nowadays


knows a lot of bad words more than I did when I was younger, yeah they, is like yeah, some of them just knows a lot of bad words in the scene yeah


okay


positive experience in your life, okay so , the small things that always makes me smile is when I sees


someone helping, helping out the someone like you know they help each other and all, uh that actually makes me happy and smile, like during that point of time I remember there's this kid uh it was like on a traffic light


traffic you know yeah and actually this kid help this elderly to cross over the road, so that actually makes me smile, mostly is like when I see someone helping each other


that really makes me smile yes how about you


oh ya ya ya, oh my that that will actually makes me smile too oh my gosh okay


oh ya, ah ya some customers can be very good like very supportive and all like they understand us like


how tiring we were on that day sometimes they will just like it's okay take your time and anything that that really warms my heart yeah, ya that's actually good okay now you pick one


eh uh do you want to pick another topic


ah yes always there sometimes when , when I made my own joke at sometimes people just won't understand yes and to the point that I actually laugh by myself


it's so weird but, I find it very funny, like I feel like most of my jokes are funny it's just that people just don't understand, yeah sometimes when like I'm in the train or something I will recall back the joke that I said to my friends and laugh by myself


cause it was so funny , but yes, ya that's it how about you


, ya I agree we always make jokes inside our shop, it's so funny


yeah, oh yeah yeah that's true but I feel like if you laughing too much, it actually makes our day like it will


prevent us from, being stressed or anything I feel like it's good when we, laugh like, like it's just preventing negativity inside our head yeah


yeah and that's true


thousands of bags ya that's that's that's funny , ya because now we we busy with intern and school but most likely like december


we will actually go out a lot, yeah but we also work a lot lah, because , we are having holidays, yeah that's like december is like the only time that we can see each other often


yeah cause that's the only uh holiday we had


oh ya at least like we still get, to see each other every week like once per week, ya and we managed to like share our problems with each other and, ya and we actually gave each other advices if we need them


ya it's actually a good thing lah for us, yeah


yeah it ends december fourth, yes another thing that I'm grateful for is , , like my having a like a very


fun, friend like happy friends and , also my family because they actually help me a lot and they actually whenever I'm down or anything my mum will always come to me and say like


that, that I can do this like I can overcome it and everything, so like I'm grateful, for my friends and also for my family like they've been by my side for


forever yeah, sorry,


what do I like about them is it, they're supportive and, also


this they're a happy person like they're very happy and, they every time they kind of like cheer me up so whenever I come back being sad or anything they will cheer me up so that's one good thing about them


I really do and like them so like I feel like if, if they're not around, I feel like I'm going to be a total mess yeah, how about you what do you like about your family


yes yeah


okay okay I see okay , what do you love most about yourself


okay personally for me, I feel like, I'm a very cheerful person, and also like I love to help people, when they are having difficulties or anything if they're sad or they're having problems


I love to , I'll always be there to cheer them up like I'm I don't get mad easily and you know that , like how to say I don't really get mad easily I don't take things seriously and all I mean in terms of being with friends or


family lah I usually , I'm just a cheerful person like I don't like to bring negativity to other people, so if I have a problem I will just like, like I won't bring it up


I will just keep it to myself cause, I just don't want to ruin the atmosphere or anything, it's just that I like being cheerful and yes, that's that's one thing that I love about myself how about you


your ya I remember that you said one of your, artwork is at the art museum is it yeah


yeah that's why I actually like shocked and when when you said that like oh my gosh !wow! like I could never , I could never do that


my proudest moment will be when, I my CC is rock band so like my proudest moment is that, that one my first ever performance is at wisma atria


and my, is I'm proud because uh that was my first performance in public, and uh I actually do it like I was actually nervous and everything at first but afters


after some time like it actually built my confidence, and I'm proud that I can actually perform in front of thousands of people like, like I'm so proud like I I was a shy person and everything I mean I'm still am but


it's just that I'm proud that I managed to perform in front of thousands of people yeah, that's one of my proudest sorry, yes yes ya that was my proudest moment ever


how your one is that I don't uh art museum is it, ah okay okay I see I see okay what's the yeah


I was actually looking at the question oh my , my best meal would be,


when I ate at eighteen chef, the baked, spaghetti is it, the baked yeah that was my best meal I ever had like, eighteen chef


is the most, is like I love the food there, yeah so every it's not every time but, I every time when I want to go back eh to go eat with my friend I'll usually go to eighteen chef because it's it's so nice


yeah how about you, oh yeah


oh yeah I I saw like all your stories and all when you want to go out with your friends you would usually eat steak oh my god I should try that one day , yeah, we should go eat that one day,


eh yes after intern yeah yeah okay , uh what is the one place you love to visit and why


okay , uh uh uh I love to go Bugis, I love to go Bugis because of the #masjid sultan#, yeah I find it


the #masjid sultan# is a very , it's big and it's beautiful, yeah so I usually go there just to stop by #masjid sultan# and, , the food there is actually very good too


like there's like a turkey food, yeah and there's like a lot, of, different kinds of food and, yeah, and (hmm) how to say ah


there is a is is a very beautiful place like there's also paintings where you can actually uh take your OTOT or anything yeah that's uh Bugis it'll be is like the most, amazing place I've ever been I just went it like yesterday yeah yeah how about you


oh okay okay I see okay


part part one, part one finance


uh yes I do I do have a savings account okay so my savings account I have two actually one is uh for for in Maybank and the other one is actually in the DBS POSB


yup okay, okay


I, don't have a okay for points uh point number two rather uh I don't have a credit card but I do have a uh debit card n I don't really trust in owning a uh credit card because uh I know that it's going to be a


it will it will be something that it will it will, it will have complications on my finances in the future because I believe because I'm not the sort of person to actually , maintain a uh a certain


uh good behaviour in uh actually when it comes to credit card or uh money wise finance wise


ya but for for myself I don't really I I don't really believe in holding on to a credit card because also I do I just don't have the discipline of uh I just don't have the discipline of uh when it comes to finances I know that I will tend to go overboard to uh when it


spending wise so that's the reason why I don't really quite advocate the idea of owning a credit card


ya but uh for myself again I don't think I subscribe to the idea of having a credit card because I as as as it is I don't really own one because I don't, I don't believe subscribe to the idea of having an advance uh having an advanced cash you know because I rather if I want to buy things it's it will be rather from my savings rather than you know you know like being charged interest thereafter you know things like that


if you purchase on a credit card mode


okay then probably I would've just have to get over the idea of the you know bank charges interest you know so I think that's the part where it is a serves as a deterrence to actually owning a uh credit card


okay alright so I I I want to talk about the an experience of getting a loan uh okay because uh okay previously I do have a uh I I've taken up a loan from a bank uh uh for my first car purchase


and ya I was none the wiser and actually I just paid whatever the bank, drafted out so , still I'm not still quite smart on this uh math matter but I don't know


so my experience of getting a loan from uh uh a bank rather that was my for my car I think I didn't up till this date I didn't know whether you know I I was I was, smart enough to actually take up the the whatever interest that they were charging me and things like that so


how how how does that work now I mean like what how does like like I mean to purchase a car now is the interest like going to be like like you know, sky rock it will skyrocket or I don't know because I'm I'm intending to get a a new car and but it's it's going to be I don't know it will it will have bearings on my finances yes I agree but the charges wise the interest wise and you know


yeah I I I agree but uh I'm just , I'm just uh really deliberating on whether it's really uh I mean of a financially sound mind to actually get a car at this at this point of time and then because I'm I understand that you know


you know uh due to this uh pandemic uh climate the you know banks would probably charge you like you know like triple or whatever you know so, I don't really , know whether it's really good idea to to to to to take up a loan from a bank or do it uh via the in-house loan catered by you know the the vehicle company so that is something that you know I'm still not certain about but uh you know I will definitely educate myself on


whatever that is uh it that is offering me for my benefit


uh okay so I I was pretty much uh I mean in a and and in a I was pretty much uh fortunate because I got my first car, the on the same the the same month that I pass my driving test so actually three banks returned a


uh you know like uh answered my call for a bank loan so but I in the end I chose Maybank because you know Maybank being in uh you know from malaysia is an, you know they have all this is uh is like is they they cater to the islamic uh community muslim community things like that so I thought that their interests might be more uh attractive


as compared to the OCBC and I think the other one was I can't remember the other one but so Maybank actually followed up with me first so I took it up and they were actually quite lenient uh there were of course some months there that were, quite difficult that to to keep up with the monthly uh repayment


but uh, so far a outright after my seven year seven year of owning the car and then I return back the car so Maybank actually assisted me to sell off the car so in bit in about a span of about two months so I managed to actually get back some money like about fourteen thousand


so I think that I I I fully trust in uh Maybank because of their leniency and then because of the interest that they charged that were that's quite attractive and also of the they also assisted me to you know, let let us help you sell sell off your vehicle so and we give you some money so I think


it was a good experience actually taking up a loan uh vehicle loan rather, , alright okay I I let's uh talk about at what age should a child be given an ATM card to manage their own bank account


okay uh for this part uh okay as we you know uh I'm not uh I'm not married so I don't have kids but for me ideally uh you should not be giving giving a child an ATM card


that's what that that is what I I I I fully , I I I don't fully endorse a child or having his own credit uh a own ATM card but you know it should be mostly like if you need to give them money is but it's only cash or you know it comes right off their piggy so


what do you think I I I don't know so that's just me


I think in this instance I am more of a traditionalist uh I would uh you know if I do have kids you know it would probably what their expenditures the expenses would definitely be you know it's like okay here's twenty dollars it's up to you to stretch all the way


for the week you know because no child no or even a twelve year old is a decent or discipline enough to manage their it to manage finances you know for us even as an as adults you know, some of us are really finding it hard to manage our finances you know so what more of a child so I think but


one they should be given a credit or uh an ATM card when they hit eighteen I think eighteen would be an ideal age, , yup I think that's that's that's just me


ah okay so for myself I'm I I'm actually a uh practical person you know I like to see my money I I don't like to see it hidden or you know not uh like I I like to have it uh within reach whenever I want it


you know for example you know I I I I don't know who uh where this is leading but I I I do have faith in Maybank, that's the reason why I have a savings account with them as well but , Maybank uh it's kind of like making it hard for people like myself their customer because they don't really have a lot of ATMs around in singapore and then some of their outlets are actually closed like the one in Changi road so so


so that's the reason why I I'm like , slowly trying uh slowly losing faith in some banks because you know what I want is accessibility I want it on the convenience but that's something that I'm not getting


with banks so so that's the reason why I try to stay away with uh as much from banks as possible I will only do the needful I will only do the needful of like you know, like withdrawing cash when it comes to pay day so I will just you know keep aside somewhere you know so I don't really like put it inside in my bank account yeah right


part three negative experience, okay uh biggest pet peeve


ah of course but of course what annoys me the most, it's actually there are few things that annoys me few things and in fact it can be a daily occurrence but one of it is actually when ah for example when I'm walking in public a a along the pedestrian uh walkway or pavement


you know I really hate it when someone walks behind me, like really following my pace following my my speed but they just behind me without overtaking me, so it makes you feel like uh sh (ugh) am I going to get robbed or am I going to you know what are you going to uh while I'm I have my back turned away you know it's like up I really hate it you know sometimes I just feel like like can you just walk uh uh can you just walk ahead can you just bypass me things like that so I really hate that I don't know why but


it comes to a point where it uh I can get a bit , the annoyance can get to to a point where you know I just want to turn turn turn back and just scream at them you know so it it it it is it it it is one kind of a feeling that you know I really cannot explain what but you know it it just annoys the hell out of me like


that's my biggest pet one of my biggest pet peeve that you know people are just walking behind me I don't know whether I'm going to get robbed or whether someone is going attack me someone is going to like you know I I don't like it, what what what what what's yours you know


okay while we are at this talk about dislikes and uh negativity or


okay so I I want to go uh touch on the uh the what what do you dislike about the younger or older generation okay so for myself uh I I I I'm, I I feel that the younger generation is


spoilt and then the older generations are entitled, so that's what I feel so we the ones are in between are actually are actually like uh being a near a spectator or an audience of between these two spectrum a between these two uh at uh uh these two groups of people rather


because one is like the younger generation they are so spoilt meaning that you know even when the younger generation goes through national service you know they have they are allowed to bring their smartphones they have rollers on their duffel bags you know they have lifts that goes up uh to their


bunks and then so many so many entitlements of uh and then for the older generation for example I don't like it when uh , when the when you know I know it's a it's a it's a it's a really it it you know to in all consideration but I don't really like it when


they are expecting you to uh give way or uh give up your seat just because you know they they they enter the MRT or they enter the the the the bus you know, so it feels that everyone is paying ya okay we get it yeah I mean you are you are of a certain age but you know to be like I appreciate it when if I give it out of my own uh accord of out of my own goodwill


but I don't like it when you stand there and then just stare at me expect me to give up my seat the because you shouldn't be entitled in that you know no one should be because you know everyone works but you guys are not you know so, I think that's that's that's you know that's what I dislike about the uh these two generations and then for the younger generation


I just feel that you know they're all technologically driven you know they don't know work hardship they don't know the struggles they uh everything is you know thrown at them you know on their laps and so and here we are you know the generations that are caught in between you know so we work so hard you know we


we actually you know we come from a place whereby there were no technology and then we shifted into you know all technology uh driven , space so yeah so that's what I I I dislike about the uh younger and older generation they don't know how to appreciate life


as it is ya


okay my greatest fear uh one of my greatest fear is actually to actually I have two uh one is uh one is of course you know dying because of poor health and the other one is I actually err


like dying in your sleep you know so this you know, at this day and age you know dying is not only reserved for those old or those terminally ill individuals but also because you know uh for some reason people are dying early they are dying young


you know and we know they sleep and they don't wake up you know things like that so those are the things that I feel that uh that I am really, you know sometimes you know usually when people take sleeping for granted because that's when they uh rest relax or they just you know like just


just drift away to another world but for myself I I've come to a point that whereby I treasure health so much that you know like when I wake up it's is a I I'm grateful you know that I'm that alive


live to see another day you know because you know health is something it's really , something that you know no one can say uh you know uh your death is not reserved when you're old or when you are terminally ill so you know so that is one of my greatest fear because uh you know so


you know what what I'm what I've been doing is actually to love myself everyday to love the people around me to appreciate the people around me and then you know like just to be thankful of you know what they have done what, what I've the experiences that I've been through to appreciate and uh you know so that you know even if if it comes to that you know if uh I'm resigned to that you know situation you know


there should be no regrets because you know ya but then again it's a greater fear because there are so many things that I want to achieve so many things that uh you know so many things that I want to live for, what about yourself like what's your greatest


okay uh yup sorry that this uh you know you have to you know highlight this this this is experience uh that you've encountered, but okay we understand uh yeah I've also lost a loved one uh back in two thousand sixteen it was due to uh it was due to cancer


so it was very swift and very sudden you know she was admitted the one day and then couple of days later you know she passed on because you know it it's like it's like the it's like a stage four , kind of cancer it was a it was a I think ovarian cancer so it was really it really caught us by surprise you know and the the person that that that that


then I'm talking about it's actually my aunt who actually raised us uh she raised us uh since young so to lost her it was really a great blow because you know it's like uh I was I was in my twenties at that time so (ugh) yeah I I still


I still I'm still reeling over the lost but because I know it's not easy to lose someone but again that's where we have to be grateful for uh the people around us before we actually , don't get to see them again so I think that is something we need to really to to to have compassion to to show humanity to even our greatest enemy so you know it's like there's no really a a point in uh there's no really serves it it says nope not no


purpose in actually trying to hunt your enemies down or trying to you know trying to uh be at their level you know so we should just appreciate one another you know it's like that's that's that's what I feel before we lose the person you know


it's it's not when you experience the loss of someone that you've actually realise what they have and how they have how and what they have impacted in your life so, so I understand okay let's just talk about our worst travel experiences worst travel experiences uh okay so for myself you know back when we were a cabin crew uh


that were the the the one of the worst experience that I've experienced uh that I've I've encountered rather I was doing a walk in Sydney, how uh because I I actually made the bad decision to walk on the streets of Sydney at around five PM I think it was five PM and I was actually


I was I was I was actually not not really harassed I was ah uh I encountered a group of thugs, so I as I was walking towards them they were talk walking towards me so it is right in the streets of Sydney you know you but we know we all we know that sydney has a reputation of being a racist city


in a more much more than Melbourne because you know Melbourne ah where the decent asians are but Sydney is like you know I I made the mistake of walking alone there I don't know what street it was, uh but uh yeah I was actually (ugh) set upon not really set upon lah but uh not really being beaten up or whatsoever but one of the guy actually like he was like !hey! you asian then


uh proceed to put his fist on my face you know so it was it was really a traumatic experiences ah it one one of the traumatic experiences that I've ever experience because you don't you don't expect that you know like you know !hey! I'm just I'm just out to buy a lunch or uh dinner I'll took it was to buy dinner rather


ah but you know to experience that you you really felt helpless uh because you know you know that it's notorious the the the streets of of sydney is notorious for being racist you know uh I I think it's, they have some sort of like a validation that they are allowed to be racist there you know towards asians but towards asians uh but


it was really one of the worst experiences that I've had in fact throughout the whole trip you know I did not even give my best customer service towards their the the rest of the passengers when when it's time to fly back you know


ya I'm thankful that I didn't lose my life or I was beaten up or you wouldn't have thought that you know it it's like you are walking on a busy street and then you you chance upon a group of thugs


you wouldn't expect them to actually like like harass you uh verbally like literally his face was on my face like !hey! you asian, so you you wouldn't know what to do it should I like retaliate should I like you get in self defence mode or should I run away because yeah so the best thing I did was actually to just


leave the group uh just walk away you know without aggravating anyone yeah


ya but but, but it's a disclaimer but I want to say disclaimer all the cities that I've been to in in australia is has been fantastic but it's just that you know you need be you need to be wary if ever you are uh in uh particularly uh Sydney


part two positive experience


okay uh let me start okay , okay uh the proudest moment of my life okay


so the proudest moment of my life was actually achieving what I set out to do because uh I come from a , I have experiences or background in a whole lot of industries uh for example in policing uh I was with the singapore police force singapore prison services and


ups (ugh) and and also uh I was a actually a a cabin crew and now I'm I've I've actually achieve my achieve my uh ambition or to work in a gym uh whereby I manage uh I manage a gym


uh whereby I'm the uh assistant club manager so I think , that's the a most proudest proud one of the few proudest moments of my life because whatever I set out to do I you know I I make sure that I fully


fully realised my dreams and because uh you know I will not rest easy or you know rest on my laurels if I know that you know there are somethings that if I go to bed and knowing that there are things that I've not achieved, but to be in the industries uh where that that I've mentioned so it's not really easy to you know to be in the police force to be a cabin crew to be working in a gym to to work in the prisons you know so I think


that's what that serves as my uh proudest moments of my life to date


okay throughout uh my my my three years uh uh being a cabin crew as well uh the most the most fascinating place that I've ever visited was actually uh actually hawaii


uh hawaii I've been there for about like five times when I got got a flight to hawaii uh so I would want to come back to hawaii again because it's a mix of everything it's a mix of singapore, it's a mix of uh uh the shopping is amazing cause they the it's like literally beverly hills kind of


uh landscape uh but just by the side of it it's like the crystal clear blue beaches you know so it's is really a is is really uh uh fantastic place to visit, I I reckon people should visit it uh once in their lifetime uh you know the the beaches the the the the the the mystical aspect of it you know the culture the


the indigenous uh people you know things like that so it's it's really it's really you can get a whole lot of education, or of it uh whole lot of experience and education just by visiting hawaii so , I would love to visit hawaii again ah if given the opportunity so what's yours what what what what city do you enjoy travelling to or visiting


okay okay uh talking about interest uh okay let's let's uh let's move on to , the best movie or TV show that you've seen what do you like about it you know what draws you to


that particular movie or uh TV show


okay for myself one thing that uh I I think uh it uh oh it was recommended uh it was recommended highly recommended so it really opened up my eyes in really opened up my mind and really open up uh a breaks that we all


stereotypes and all you know uh biasness prejudices err but the one TV show that I I enjoy and and I'm always looking forward to ah for the next, few uh next few seasons uh would definitely be rupaul's drag race


I love that ah because you know I'm I'm like I'm like this uh manly man type you know but for me to actually show vast interest uh towards a a a show that's that's, both taboo and both uh both controversial in that sense it's uh


it's really a I I mean the show is really uh it's really commendable because there are a lot of things that you it it that show to me it's like an education you know, so you you you you understand about someone's uh passion creativity well where they they will all all of the uh contestants has a a back story so


you know you know you feel with them you know that you you you it is as if that you've you you go through the same, uh like for example the the the the experiences that they've had you know being bullied uh being discriminated know things like that uh uh so and also for the fact that that show actually uh uh you know like


uh dissipates the stigma of of you know drag queens are uh drag queens are you know it's not acceptable in society things like that but , that show has proven that uh you know you (ugh) everyone can be loved you know everyone can be accepted by society you know it's it's how you contribute to the society is what matters and


I don't think anyone should be judging anyone at all for watching, such shows I I I just I I just love the show I really really love the show so, ya so I know that you probably won't you will you watch it as well but I know that you think


you share the same sentiments I believe


okay three things that I'm grateful for in life would definitely be health, family and religion, I think religion is a bit it's a bit uh uh it's a bit of a of a you know like !woo! did he just said religion because uh I'm grateful for religion because religion keeps


one sound keeps one sane keeps one discipline keeps one , to be to show compassion and towards everyone else around them, a religion I I'm grateful that you know you know we should all be grateful for whatever religion that we were born into because you know no religion teaches you the uh a bad thing or a negative uh thing uh all religions are actually positive uh regardless of what regardless of what they are


uh they shape you to be a the person that you are today because without one without you uh actually, uh uh uh relishing your own religion appreciating your own religion you'll find that you know you know you will just be uh incomplete


that's what I live so I'm I'm I'm


(mmhmm) okay very well okay uh let's let's talk about what are your favourite activity to unwind and relax okay so for myself I look forward to my off days uh which is every saturday uh so that's when I will actually


probably will be uh uh you can always see me ah sometimes I I I would say it probably actually every week uh I would go to my favourite food, uh food court and I will have my Mala


so that is something that I look forward to every single uh weekend, and you know after eating at it it always like sets the mood for the day you know despite knowing that !hey! tomorrow I've to work again you know but uh that's one of my favourite uh activity to uh unwind and relax which is like eating eating something that I've I've I've been craving for the whole week


and then uh you know either that or it's a it's like having at a a meal at uh east coast beach at the east coast lagoon food centre so that's actually you know having your seafood meal seafood dinner by the beach is something that uh I truly enjoy


so how about yourself like what what's your favourite activity to unwind and relax


ya and I also believe that seafood is actually uh you know our seafood is the best, probably the best meal of the one of the best meals that we actually have ever had throughout an entire life


uh because you know you know it's there's some there's something about seafood is that's uh that's really uh that's that that I really find fascinating because you know you know it can be it well well is super high in calories but


and cholesterol but you know is that nothing beats having a good seafood dinner uh with good company as what you've mentioned and then you know it's like you know you can't go wrong with having a a seafood fair


allergies


part one of four, part one finance


ah okay so ah do you have a saving as savings account


okay, oh


ah same here I also do have I I only have one savings account uh which is a POSB savings account


I I see as for me I do have several credit cards uh which I feel , it's important to have, uh and it's good to have because credit card in my opinion would be able to help you save


uh I know the the irony of having a credit card and I'm I'm saying savings because I feel that if you know how to use your credit card well and you pay on time you will not and you know how the credit card , finances charges works


you will be able to , use it as a, as a , as something to help you rather than uh cause you into debt because I feel uh many people


do not, know how to use or appreciate, a credit card, because it is supposed to help you ah however they also need to understand that a credit card is some like it's and it's, like an advanced cash but you have to pay uh full after using the amount that you need


, ah I understand most of the people that I've uh spoken to, feel the same way as you do but at the same time my opinion


I feel that a credit card is a uh it's a it's supposed to be something that benefits you rather than you know leads you to a debt because you need to understand the the function of a credit card


and many people do not understand the interest charges and and that's why most people that I met, or spoken to ah about having a credit card that disagree about having a credit card because they feel that they would be involved in a debt


uh but the simple explanation is that uh using a credit card is like using your own cash, you know if you spend fifty dollars, in advance


and then you have to pay back fifty dollars after so, , many people do not understand that concept and think that oh a credit card I can spend as much money and then only pay the a minimum amount uh and I think that


it's probably the tactic of a banks to probably earn interest charges probably yeah


I I understand but up


like I've mentioned there are so many different benefits to having a credit card because there are some credit card that offers like zero percent interest payment plans, they also offer a attract an attractive loan interest if you like to withdraw a uh certain amount in advance


so that you can pay them back in in a low interest rate uh for a period of time for maybe a period of year a year, there are also different type of of benefits like balance transfer where you can actually withdraw a certain amount of money for a period of six months and then uh up till a year and also pay according to what you feel (ugh) that you


are comfortable in paying as long as you meet as long as you make the full payment before the deadline (ppc)


yes I guess it's also about uh understanding and educating yourself, in how (ugh) on how you use the credit card to your advantage rather than disadvantage


(ppc)


, I guess


right I guess the uh uh I mean having a car is definitely a liability and however usually if you like to purchase a car you use have taking up a loan from the bank for such


interest rate for cars or even housing loans, it would fall into a different interest rate rather than what we've talked about earlier about having a credit card that is more on uh, unsecured facility but having a car loan or a housing loan would be a fix usually a fixed interest for a period of time


because usually I would think that the amount it's a bigger amount so uh it depends on how you manage your finances again, ya but I think usually


for most people who would like to buy a car, would definitely use uh would definitely need to take up a bank loan


yeah definitely I think educating ourselves financially about savings and about uh insurance and about loans would benefit us to understand how this


facilities are supposed to help us rather than get us into debt, uh but what uh, what is your experience though of getting a loan was it a difficult to to get it approved or what are the procedures that you need to take to uh receive the loan


that's that's that's a good uh thing that you actually received some amount after selling your car alright


personally I feel that with the ah with singapore going into a digitalised uh, platform for payment especially and I think every child now a days would probably have a savings account


but I think I think the I'm not sure but I think most bank will not be will not be giving an anything a an ATM card until they reach a certain age I'm not so sure, but this is just my assumption, however I feel like probably ifs a child would


would be given an ATM card I think they're, appropriate age would be at twelve because I think they're already going into uh you know secondary school where they would probably be using a lot of you know


uh paywave payment so I think having an ATM card would be uh you know beneficial is it's just as long as you know it boils down to how you educate your child on how to use the ATM card, and of course having I I think every ATM card will definitely also have a withdrawal limit


uh for for the child to withdraw per day so I think , as a parent we should, gave a child an ATM card and also set them at at a withdrawal limit because I mean you know especially in this pandemic situation where cash is you know could be sort of


unhygienic per se many people would rather use ah online or ah online payment and as in a paywave or you know non, ah non cash uh payment so I think ah everyone should should you know even a young child should be able to get an ATM card


I I I see but you know I I think


to each its own yeah but let's move on to , do you do you, I mean some may argue that bank interest are unattractive and uh and others may feel that their money is safe and accessible in banks so in light of this would you save your money in a bank or invest it elsewhere


(mmhmm), ya I understand


I ya I I I'm guessing I think, for me uh saving money in a bank is the safest so far, and I think saving money in a local bank would be the best even though it doesn't offer a high interest rate because of the the safety net of it because I think like the maybes local banks offer like a lower interest rate


due to due to it being a very safeguarded bank but ah to each his own and I think yeah like you mentioned uh accessibility is very important so , why not have it in a local bank an old that I mean personally I I and I also feel there's a lot of places where you can actually save your money elsewhere


part three negative experience


my biggest pet peeve would be someone who uh do not respect my personal space


because I feel like when someone is speaking to you you know there's this like imaginary, space in between you and that person and if that person is already invading your personal space or personal zone


and I I get really uncomfortable and as for me I do not know how to tell them to back off and usually I would be the one to you know I'd, take a step backward and I I just I I I just do not like that uh for someone to come in so


close contact with me because it's so weird and I feel like I I I mean it, it just changes the whole , experience


to a very negative experience for me so I is just uh biggest one one of my biggest pet peeves so I feel like you know it's you know always having this uh space in between you another person when you speak is much better because, or else you're just


too close and you feel I feel suffocated so you know so please next time do not stand near me because I just hate when people do that


ya I guess uh I have to agree to a certain extent I think the younger generations are lacking


in social awareness and for the older generation they feel that they are entitled, but at the same time like uh these people


that I mean like like you mentioned I think we are stuck in between of this generation and it's difficult to you know and it actually frustrates , us because, you know we we are in the middle where we're we're neither young nor we're neither old


so it's like in the middle where you are like you are sandwiched by this two annoying characteristics ya which is extreme, and of each other like the younger generations are just so


into themselves uh like selfish and then uh older generations can be a bit entitled, so but I mean not all probably but from my experiences yes, ya but okay let's move on uh how


what is your greatest fear


right I , I I would I would say that my greatest fear is also death and then of course losing my loved ones, ah and as in and I mean death is something that will definitely happen sooner or later you will never know


when is your turn and I think losing your loved ones would be the most painful experience that you could ever go through which goes to one of the topic


you know like experiencing someone that I've lost in , in my life, uh and I I think I, I


I'm still recovering from it and I do not know how, to describe my emotions, at that point of time because I just couldn't describe and I I i never imagine that it would have come to that


because at such a young age she is you know losing her life, she's you know basically battling whether to survive, whether she can survive, and


up till today I don't think I'm ever over, over it and I I I still sometimes just look at our pictures together and


and and and feel that she's still with me ah, but it was the most painful experience I've could ever been through, this year so I if only I could like turn back time


and I wish that we would have spent more time together, , it it was not an easy period, even even till today like of course I soon as I am much better now in coping


but I think losing someone that you are that it's so dear to you would be the most painful thing painful thing, that you would ever go through I think any human being unless of course you are you know heartless but


and it is such a painful experience that I do not wish for others to go through and ever since her passing uh I, and even I I relate well with people who lost someone because when you experience


err that, yourself, you can connect with others who lost, uh your a loved one, I mean, it's inevitable but


you know dying is something that would definitely happen to us, but just like , unexpected and you know all and everything that we've discussed when we were young up till until up up till she she passed on you know we we


we thought we had more time together ya, so that was really painful I would say like it's the most painful experience


harassed


(mmhmm)


ya all it as


right


oh dear ya I mean I I'm, I think for myself , I don't really have any west travel experience I think my experience have been actually fairly good ah I really feel sorry for that experience that you encounter which I think no one should ever feel that way or be you know pushed aside


because I think nobody should ever encounter that kind of thing, , ya exactly


ya, ya, right I think ya, I think that's that's that's the the the way to do it because I think there's no point in retaliating or you know uh


it'll treating them the same way as how they they treat you anything at that point of time you since you were alone is the best to run away and save your life saved you know run for your life rather than get yourself into trouble


I , I I guess I guess it's all depends ya


ya part two positive experience


oh I see for me my proudest moment of, my life would be also you know after I ORD from, national service ya and then I get into a prestigious airline company as well only after one


one try so at a young age I was able to ah travel and I think there are a lot of positive experiences that I could relate, with to uh being a cabin crew uh and


and personally I've learn to understand different culture and able to travel the world was amazing and, to (ugh), to experience all those different cities at different you know in at every every different day in a month


ah that was very rewarding for me ah and I would say that it also opens up so many different doors because I in my , in my previous job ah I was able to I was selected to go to London ah for a


for a uh training and then I was able I I mean in a short period of time when I was there and because of my cabin crew experience they felt that it was okay for me to go by myself, and they they do they are not worried to send me over so I think that was really something you know interesting and


it it helps me lah like to you know be oh okay ah because of my experience as a cabin crew I I'm I should be able to be street smart, and able to get around by myself which it did help eventually


so but, it's like the one place you love to visit and why


I definitely more than one place, ah but I would definitely say italy uh Rome because of its like


immense culture and history that it has behind all the artifacts and the architectural you know being able to visit


such places like the uh spanish steps and all the , uh the colosseum, it it is definitely an interesting sight to see because when you are there


uh, in that particular place because it has so much history to to it that that it makes you feel like you can't help yourself but imagine how was it previously back then you know


before the ruins and before all this and how it was built because for a structure to last that long it must I mean the architecture, behind it the engineering behind it must be amazing because


it's of, it it's been with us ever since, I'm not so sure when but it's been with us for so long and it's, still there intact till today, uh and I think it also (ugh)


I just love it like the the history behind every place even, ah you know you get to learn so much about it and I think it it makes your mind wander and imagine like how it used to be back then so I would like to say that it is Rome and of course


the the fashion and the shopping of course it's amazing as well and uh it's a very nice place I I would I would recommend everyone to visit one day


, I, I'm currently I mean I I am currently watching


like the series ah the crown it which is about queen elizabeth which I find it very interesting because of the period like periodic time line from, like king george till the uh the queen elizabeth and then and then because it's the longest monarchy and of course with the you know what happened to princess diana uh uh uh I I


I don't know I just I love the history behind the the monarchy and, it's I think very interesting to understand that you know , because as a commoner like you don't you don't get to live their life and you think it's all like


it's all there but of course everyone has a different uh difficulties that and challenges that they have to face in their life but I I I just I just love to watch that show I I don't know it it it's it's really interesting


ya I mean I I I've ever watched before and I feel that it , we should appreciate them for their talent and their creativity and it's it's a form of and it's it's a form of art so I guess it also teaches us that they are all we are


we are all humans of different uh types and nature, and different hobbies also ah, I mean it's it's definitely an eye opener to see what are the processes that they go through just to be a what what how they they


how they are you know with the makeup and all I think it's a very tedious work which I would never think that I'm able to do so I applaud them for that, so what do you


like what are the three things that you are most grateful for in life


ya, I agree


I agree, , right alright I mean I'm I'm grateful for I my health as well, and my uh you know having a family and having


a a close knitted group of friends that I can call family as well so and you know able to go through everyday life


in singapore I think it's something to be grateful for because you know like I like I mention travelling to other countries has also opened up , my uh my views and thoughts on it's like you know we are so uh we are so


we are so lucky to be in singapore ya and be able able to see your family everyday and you know able to enjoy all this like all things like at the tips of your fingers and you know we are such a modern society you know and we are we are very safe


so I feel like there these are things to be grateful for


I do enjoy having a good meal with with good company as well I think that is one way to you know unwind and then catch up at the same time and relax and also watch a good movie


and I think, it's it's a good way to you know uh just destress from the busy lifestyle that we go through every single day, uh and also like appreciating that all this


good food us we have a variety of food available for us to to try and taste , I think it's it's a good way to unwind and relax anything uh I share the same uh sentiments as you I think having a a meal at east coast uh lagoon uh food


centre it's a it's a nice ah environment and I think that you know the hawker experience is a eh is a it's like you know one in , in a million kind of places because I think you know not a lot of countries have a lot ah like have this hawker experience and I think singapore offers like the most variety


food options in a hawker and it's something that we grew up looking forward to going up look for a meal and of course like it's affordable and it's nice, so yeah I think it's you know eating with good friends uh with good company it's the is is a good way for me to uh is my favourite activity to unwind and relax


ya I know


ya I I I really feel sorry for people who have seafood allergies right so you know they they are unable to enjoy like the goodness of all the seafood items


okay uh, did you apply for a HDB grant where you purchased a HDB flat as a married couple or as a single person


okay okay, so did you get a loan from the bank when you renovate your house, let me know a bit more about the the renovation loan if you have taken


okay so if you have a new house would you intend to renovate and get a loan


how many how many homes have you bought so far, fifth house okay so do you know what are the fees that you have incurred so far in your, transactions


agent fees what's the percentage


so besides agent fees what other fees are incurred then


paperwork but the what kind of fees I mean moving house and now we talk about uh agent fees what other fees are incurred, so so besides besides these two ya stamp duties yeah so besides stamp duties I think the there are also uh legal fees involved ah legal fees involved as well so these are the usual fees that are involved okay so what what do you think of investing in property


okay so what about uh overseas property


okay more savings err but if you have more savings where would you want to invest in which country in terms of properties


okay okay [orh], so have you used your CPF to pay for your down payment when you purchase a house, so


so what's their or experience, so far you know how do you feel about using your CPF to pay for your down payment


is it troublesome is it troublesome to get this thing done in terms of using CPF for down payment


so who helped you with the forms, yourself or you think the agents or the the CPF board, okay what about private then


okay so what do you (hmm)


I have to admit in singapore if you don't purchase property than uh the rental is gonna be uh, uh I mean you have to keep paying rental on a monthly basis so it's not worthwhile so definitely we need to at least get a property, uh


I usually do minimal renovation but I think even if you don't want to renovate then it's the interest rates are pretty high but I think nowadays it has it has gone down but the


in the recent years I didn't renovate so if the interest rate is still as low than maybe it's worth the while to do some renovation yeah okay so what what do you, know about uh ABSD


okay so ABSD actually came out I think maybe about seven eight years ago by the government to ya, yeah to prevent people from speculating and i think right now for local is uh


maybe twelve per cent if I can recall correctly yeah and then more for, permanent residents and more for foreigners, for ABSD, so this is a, to prevent people from buying multiple properties and then selling it off within the first five years


yup, okay so in terms of a HDB loan or a bank loan, uh, which one you think is better


okay but in terms of HDB loan or bank loan, which one you think will be higher in terms of interest rates, in your view which one do you think is higher or or or based on your knowledge


okay


okay so actually based on my knowledge between HDB loan and bank loan in terms of interest rates right the the bank loan interest rates are actually lower than HDB


but the, no uh I mean referring which one is uh subjective depending on that that situation that you are in at that moment but based on my knowledge the bank loan interest is actually lower but some of my friends actually took up HDB loan instead of bank loan even though the interest rates for


bank loan is lower the reason is because when you take a HDB loan, and uh if you have got difficulties in terms of repayment the HDB would not come and repossess your flat but when you take a bank loan then it's different you see when you take a bank loan then if there's anything that you can't pay then you may end up having some problems


so some of my friends actually took up the the HDB loan even though the interest rates are slightly higher, and I think also in terms of the the requirement for banks they are more stringent than HDB so I think HDB yeah


if they can't apply for HDB loan then definitely they can't apply for bank loan so this is the scenario that uh is happening okay so I think the bank loan are usually for people who has got a bit more income or a bit more uh


assets and therefore they are willing to take that risk lah so HDB they are more uh I I think they will they will take care of the feelings of the people more than the banks in my own view lah yeah but basically the, the bank loan interest is quite low now so is around one point five


ya now right now is about maybe one point five to two point five per cent uh, yeah that's right yeah okay so


so if you if you need to take a a bank loan, uh would you prefer to take a fixed, rate or you prefer to take a


uh why do you want to go for floating rate


okay so fixed interest, the good thing is that at least you don't have to worry about uh any increase in rates lah but I think floating the impact will be there if let's say if the if the interest rates goes up quite tremendously but of course now in recent years the interest rate has been very low uh so I think


floating is is good yeah uh so, which in terms of interest rates right or in terms of uh bank loan which bank you think are the the banks that you want to consider for home loans


okay so how would you


so how would you go and source for this uh how do you usually go and source for


okay so so when bank loans usually what I do is that I will go to google then I will just key in uh mortgage loans, okay so when they key in mortgage loans usually what they would do is that they would uh, they will have a couple of uh websites that compare all the different mortgages and this one is done by the mortgage broker


so the mortgage broker will then come in and then, uh try to give some advice and they can try to get you the best rate and then uh they will get a card from the bank itself okay so for us we don't have to pay them because the bank will pay them and therefore they uh that's why they are interested to help us by comparing all the different


interest rates yeah okay yeah they are, that's a mortgage broker so that that's one thing that is uh, very, common nowadays lah okay and uh also also basically in terms of uh EC and private condo so which one you think is is the better deal nowadays


okay but uh EC are usually not in are usually in some Ulu area compared to private so you think it's worthwhile to get EC


so recently I see that the property market uh the houses the size of the flats seems to get, smaller and smaller, so I'm just quite worried that next time we'll be like hong kong whereby the the size of the flats is going to be really really small so hopefully the


government can can do something to ensure that there's a minimum size so that we don't have to be squeezed in a, the small flat forward, ya


yeah so it's almost like


okay so, , what do you think about buying uh two private flats going forward is that a good move in this current condition of the economy


per day the uh number of foreigners seems to be getting lesser


nowadays and uh I think the government is also being, uh pressed to reduce, foreign talent here and I think rental market may not be so good


yeah but if the but if the rental market is not good, then it's going to be difficult to to support you know and then still because when you pay if you go for private then they'll you'll have uh maintenance fees on both sides ya


okay and then recently you look at the property, agents they are also more, uh aggressive now using lot of social media to advertise the flats, so uh I think selling a property is so much tougher because everybody is now


on social media not like the past anymore so every flat is going to be reflected out in the, in facebook or youtube uh, ya, ya so I think nowadays the


more people are looking at different flats because they have the opportunity last time when they want to look at a flat they will look at specific area so maybe only Punggol or maybe only uh, uh maybe Seng-Kang or maybe Ang-Mo-Kio but right now because its flashed out on facebook as and when they see something they may love it, they will consider okay so I think the market is changing to that extent lah so it's it's not like


people just look at one area I think now they look at the flat and they see which one is more attractive at that point in time then they would just stick to it


okay so so far in terms of your property agents uh, are they usually females or males, uh same usually female and male and what do you think who to have perform better is it the male or the female


do you think gender play a part or not, only provided they are pretty female if it's not a pretty one I think


I'm not too sure about the how the advantage they can get


okay so recently uh our ah singapore idol Taufik-Batisah also became a property agent, and uh I think he's having uh some lots of property deals from what I heard so I think the property market uh and the property agents are having a very challenging time now


negative experience


yup so maybe I start first by, sharing about what I dislike about the younger and older generation so for older generation I think the concern here is that uh they're pretty stubborn okay so uh they it's it's difficult to to change their mindset


so obviously same lah for us I think the younger generation will also complain that we can't change our mindset, but then for the older generation because they they live through very different times okay so definitely they would have a hard time trying to understand what how we think I think that that's the main issue I


I feel and then for the younger generation I really feel there's a big concern nowadays because they they haven't gone through any ya they haven't gone through any suffering okay and therefore they wouldn't appreciate what life is you know and they they tend to


they tend to take things for granted and uh that that itself will will come back to haunt them as they get older unless they really have a very, lucky life if not I would think that they will have a very hard time so what about yourself what do you think about


uh what you dislike ya


okay so what what do you think uh is the worst travel experience


so have have have have has has it happen to you before


uh I don't think I have any worst travel experiences but uh to me not worst but uh not so enjoying is to take a bus from singapore to malaysia, because the bus journey is very long


overnight uh very tiring sometimes you need to go toilet, more often it's very cold the bus driver usually will drive or will speak you know and therefore your life your life is in danger and I think the back