okay so from like what I found out right that, because the medishield and health insurance only covers a certain cost, and then I also found out that actually it's advisable to, opt out for


I mean uh take in the integrated shield plan is where you can actually cover like, ambulance fees like when you, call the ambulance then ya ambulance fees and pre and post hospitalisation fee and also you can get higher wards but


from there you actually needs to pay higher but your, but you can claim higher amounts back would you like actually do that, like would you consider, doing that because for me I feel that I would do the same, I would I would do that because like


I can I can do that even in the future, it's not only at that point of time, ya and I can get higher amounts back, instead of like just sticking to medishield only, which is is which is a benefit because like only at that point of time you only can


cover a certain cost but if you, like, pair it together with the integrated shield plan you can get, better wards with higher , amounts of of like cash backs, okay oh ya okay what


what topic you want to talk next err, how about how, do you want to talk about the term life insurance or whole life insurance


okay maybe I can start first lah, to me I feel like, the whole life insurance will be better even though you know it cost higher amounts of money but it's for like a lifetime so like even now regardless of


age you can if you have whole whole life insurance it will be beneficial for you and, for term lah eh as compared to term life term life insurance right it only provides, like benefits like


death benefits to beneficiaries, when they die for that specified like time but for whole life is like you know lifetime even though it's like, , higher amounts but you can still use it in the future


and it does not only like have, err it has death benefits and also like, the cash value you have later in life will be like better than term life which is why I feel like you know whole life for me would be better lah


actually to uh add on to that knowledge right err I also read that term life insurance you can actually like uh convert it to whole life but the thing uh the thing about term life is you only you get to pay


err affordable prices on in that period of time but when you want to change right it'll cost a lot of money so my how to say my, opinion is you take whole life because you just, pay that amount at that point of time and then you can get it for the rest of your life but for term life you pay affordable


and then later you convert you need to pay more which is something that is I think is wasteful lah, so ya, k uh


buy term and invest the rest, ya


I will keep them apart, similar ya


ya I I I think I agree to your statement because err insurance wise is what you said is basically like for a lifetime and all that and then investment is something like for example you have a stable income and then you put aside money so that you know in future use if you really don't have


that enough , cost to cover some of the fees in your insurance you can use the investment money to actually, err cover for it and then also like insurance only cover like a certain fees so like you need at least an educate adequate amount for like


with minimal cost while, investment the money that you have it's from the savings especially so you cannot really like put in all of your investment in covering fees so insurance can be beneficial in one and then


investment can be beneficial in another like point of view so I don't think you can mix it, so ya I will keep them apart, yup


I will say health insurance, because, you see you see now nowadays there's like a lot of diseases, plus like you are, plus we are at the age where we are not able to really cover like hospitalisation fees and all that to save our you know our lives so like and we're not even working so health insurance actually can help


to cover the fees that we want to you know like pay and all that plus it'll not it'll not be difficult for our parents also lah so that's something that is important for me and also like for accidents, and stuff like in school for example you get into like I don't know a fights or something and then you


broke your wrist or whatever I don't lah ya so like, insurance for that is also something that, could be beneficial, and critical illness, ya because our age also, we I mean cancer is rising and all that dengue also like those are critical illness COVID nineteen and all so if you don't have insurance for that you'll be ya in the


danger zone ah that's why like I feel the most essential one for us right right now is, those three, mostly all pertaining to health lah


but do you feel like you know life insurance is enough, for like you know like future use and also like, family wise because to me I feel like life insurance


for example you you know how it goes right like you're you're the person that sign and all that stuff you'll get the the money that, they they give you and all that after like they they passed on but err do you think like you know it can help


with the your family and all that if, at that certain age you you go into, the money that you get


ya okay


I mean what you say is true also lah like like what I say uh health insurance is the most important one because at the end of the day if you don't have that it'll be very difficult for even like your other family members but as for yourself, since you don't have that


amount to pay yet, health insurance can be the one like you know in handy for you, do you want to talk about, err the last one what about, what do you look for, for an insurance agent like in the future


ya like what question would you ask, question ten


I'll ask like can I increase the benefit amount and all that and like what are, the insurance what happen to my insurance plan if I move out of the country and stuff like that ya


part three negative experience


ya , I see this one question that !wah! makes me want to cry , err, ya ha


, oh my god I have actually I have a lot of pets firstly was, err when I was four years old my, dad got a fish tank and then that was like the most like


happiest moment of our lives because that was like our very first pet , so we have like salamander I don't know I don't you know whether you know that like there's like it's a long eh then it eats all the fish but it was like our, prize err possession kind of thing


you know and then I don't the every fish died from there, and then like, they didn't really sell like the salamander anymore, so my dad ya then my my dad, actually from there my dad was the one that was was in sorrow


so like I didn't really care about the fish , but, the one that really really like killed me inside was my first cat which was named tappy cause he's a tortoise shell fur so it's like it's like my current cat now


the the second one I don't know if you know the second one so, , so that cat ya <P1>sophia</P1> so the tappy he actually like ran out of the house and then err my dad believed that he got hit by a car


we we like we kind of like, went to like search, for her it's a her went to search for her and she was nowhere to be found for like five days straight, so like


I went to the like carpark I went to the back I went towards #gek poh# there you know I couldn't find I couldn't find like her anywhere I look at a #long kang# also cause like the grain you know like a lot of cats always hide there then I look, there don't have and then you know uh my dad suspect that she got hit by a car


and like died lah cause obviously when a cat, knows their owner they'll know how to come back, but she didn't come back, and then, I got then he got lost but, eventually like I got him again


which reminds me of tappy because he has the same, fur colour so like, and she's my cat now so like I've been taking really good care of her but it really like pains me to you know like remember the time where


tappy was gone because that were that's like my very first cat so I will never forget, that moment, ya do you have a pet,


wait is it the dalmatian like, oh my god those are huge actually, okay


oh my god


so cute


okay that makes me want to cry , I know I just have a soft spot for animals , which one


oh wait is it the have you been looked down upon, what always bring tears of sorrow to your eye no no not this one one err


describe a time you ended a friendship or relationship no I don't think it's that, what sacrifices have you made for your loved one but not appreciated yes that's the one, I don't want to say that also, I don't want to say that I really don't want


have you ever wanted to get what happened that make you feel that actually like, let me think, yes but no no no okay but, not in a bad way


in a way where, like, to make that person open, her eyes ya it's a her, is it okay it's basically my ex best friend lah, so


the the okay so the the problem was she, ya okay so my my ex best friend we were friends for like five years


and she threw it all away for a guy, which she just met, a month later like a month, for a month at that point of time so


I've been and the thing is, the funny thing is right I'm the one that introduce the guy to her, and he was our senior, we were in the same CCA and he told me that and he was close to me that guy and he told me that he liked


her lah like my best friend and I actually like match make them typical of me I always helped to match make and then, first few you know like weeks and all like months and all right, it was actually okay


but then like when it came to I think like the sixth or seventh month, he started like, calling me names that guy and saying like , oh you know you you're not supposed to talk to her anymore like you can't go out with her and all that like


because me and her are together already and, then I was like !huh! like I'm like her best friend for like what five years and you're telling me that I can't go out with her then he was like, yes is the is the guy that tell me but okay


listen ah the guy said that to me and the girl my best friend supported him, my that that girl was like literally like brainwashed like, I don't know I don't know what made her like, come out like you know like aggressively to me to the point where she would actually leave me for for him like I feel like something happen between them


to the point where he, could have forced her to say those things to me or could have like made her do that because he told me that he felt jealous when I go out with her which was ridiculous because one I'm a girl two I'm her best friend and three why is he insecure like


ya then the revenge part is I actually wanted to screenshot all of his err things that he said to me and send it to her because he actually talk, bad things about her


to me wherever they fight, so I wanted to screenshot and send it to her but I didn't because you know I told myself that karma will come one day and she would know, what, he's saying about her because it's really bad like to the point where it could really make her like depressed


ya so, I didn't want to tell her because as a best friend I should respect like you know like this is their problem I don't want to you know get involved, I don't want to get involved you know and ya how about you


, I think the best way is to ignore honestly cause that's when they will be like uh no


okay


what do okay, oh my god okay this one , (hmm), I know what kind of person I hate the most


delusional literally like those people who think that they're right all the time and don't even want to listen to other people's opinions like basically like for example I'm telling you something good


but you choose to ignore it and choose to still go your way, that kind of feeling it's basically like, taking over your life but, the wrong way, that kind of thing delusional people and


manipulative people that literally like, can go in can go and mess up your mind about yourself and bring you down basically like, you know you're a good person okay but that person makes you think otherwise that person makes you think like you're not good after all so don't think that you are that kind of feeling you know those are the people I really hate the most like


those who can't admit to their mistakes and don't try to change and those who, will manipulate their way into your mind and give you negative thoughts and actually not helping you to grow and


you know like be a better person ya what about you


selfish


ya I


that's bad, I hate racist people also, especially towards the minorities, like like, indians (hmm) and malays I mean chinese also have


so like basically all of the reasons so like you don't, we all individually have like different mocking you know like sentences for individual races which is like something that is bad and shouldn't, be like cultivated


especially when it comes to like a country where it's supposed to unite all of the races and all and cultures and embrace everyone you know so like I hate people who, pick out like those differences and


make it and put it out as hate that kind of thing ya that that that's bad because it will not really like help us to unite and all that I really like wish to, have a better like


community where we all come together and it's nicer like that you know like we can learn each other's like differences and really embrace that and love that you know that kind of, thing ya, twenty twenty seconds left what


okay (ppl)


oh part two positive experience in your life, oh my god


what were some memorable moments, from your younger days, I should go first, I think actually the most memorable is


honestly just hanging out with my cousins, because every time like my parents will go to work so they will put me, at my grandmother's place, and then my cousin will like, my mother's sides cousin will come and like just bring barbie doll houses


then we will then we will play and, we will also like shower together like as kids lah like shower together , in like coloured, water like you know the food colouring we put inside the the bath and then like we will shower together and


we will play barbie doll house and we also play like make up you know, so I think that was like the most memorable one and they will also like come over to my house during the weekends, cause that was and that was like the only time that we were actually really close, and I really like uh hold that memory close to my heart because now when we grow up it's


you know we grew apart and like we don't really like get to talk cause each of us have individual like uh responsibilities and all that so like ya what about you,


is it <P1>matthew</P1> only or , , okay I know , so cute, so cute okay


what are the dreams and goals that you wish to achieve before you die, okay


oh my god okay actually same as you travel around the world I actually want to go to , spain to do this like err Tomatina festival where you like throw, like you throw tomatoes at each other and all ya and that's like so fun I watched it from like the hindi movie then from there already I can


the bollywood movie so from from there already like I cannot I need to do that you know not only that lah also like I want to , give back also like to the poor actually that's like really my dream like to actually go go to like those people who don't have like food and all that like poverty and all and give give


back you know donate some clothes or like buy food and all that so basically like, maybe like get rich, and then give back, to those who really need it, and then


ya my goal also is I I'm like you lah so like I just I don't want to like, say until like I really like get it, to show people that you know, I already achieved I already achieve that ya, okay


err what see, err I think the nicest thing is, okay I know the nicest thing was, no matter how badly


you know I've been cheated or like no matter how much, pain I've been through, you know, I will never like, do it back to someone else like


someone once told me that I always, and kind you know like I always spread, kindness no matter what, like and and I never failed to do that and, by doing that I also like smile to them like I, I'm happy towards them


and that really like, made me like like what like really that's, that's what you think of me you know and it really shocked me lah because like I thought I was like a negative person, but, honestly from from what I what I hear what other people say about me I'm like


okay like !wah! I didn't know I was like that, but, ya I think that was like the nicest thing anyone has ever said to me like I'm kind no matter what like and no matter how much, like, people treat me badly I'm


I never like I never get fazed you know I just, go on and, do my own thing and always like treat people like the way they should be treated like you know nicely and stuff even though you do bad things to me ya what about you


ya because that that's the thing that will overcome your thoughts and all that, not, nah man cause like err, oh I heard more bad things than nice things about me you know


but can you remember like one like a compliment or like something that you did like put your hard work, into it and then like someone actually said something like


that's nice


and you are kind and caring so I hope you know that, , okay what about, err


describe a moment when things turned out better than expected what, okay, , better than expected ah, can I talk about my my boyfriend


, okay wait actually no , err


okay ya actually ya it's true I mean like, you you know that I came out from a bad relationship and all and then like I saw this guy, you know I thought like I could never like, I could never like get him


but then like turns out you know I kept trying even though he rejected me like twice actually , I just told myself that you know , okay so since he rejected me twice I should just like not bother anymore


which is like, I I think after like a week or two unexpectedly he texted me back, which is better than expected so I expected it to go like, bad like okay it's not going to it's not going to work out you know he's not going to talk to me bye bye you know that kind of feeling so I'm just like okay lah whatever you know I I'm just going to like not bother anymore and then he texted me and then boom it turns out like we started talking and then like he like me and then now we're together for like a year and a half


so ya, what about you


okay, how about


talk about a time when you experience personal grow,


okay


mine is actually similar to yours, because , I've always been like, err demoralise from like all the negative like surroundings you know like err everywhere lah so and I always used to like overthink a lot of things especially when it comes to like education


you know I know that, personally I know that you know I can do better it's just that I can't do it because the negativity is the one that is in like holding me back down you know that kind of feeling where, they say that oh you know you you're bad at this and then you suddenly believe that okay I'm bad you know I'm not going to like do it anymore so I had that kind of feeling where


err during secondary school like I didn't really have, that positive mindset where you know I can do good and all that so I already had a fixated mindset where, I think that I will fail my O levels which really like


brought me down like very low lah at that point of time, and then after that like err one person that really made me open my eyes was like my POA teacher he always say that, you know you know that you can do very well like you have you seen the way you you know put in effort in class and like the papers have you seen like your marks and all that and then I told him like you know I can never like show that


effort in during the exam and stuff like that and I was like err then he was like no you should believe in yourself more and , well result come out it's not, that bad but, I ended up not getting a poly I had to wait like for months I think like


two months they didn't get back to me I had to repeat for like, ya I had to repeat sec five which really made me like feel really down and, like my my mum and dad were like disappointed and all but I don't even know why I didn't get in even though my points is like poly points then I found out that there is like a


you know err, direct admission thing then I went there and then suddenly I, told myself you know what you should just go for it and, you know people believe in you so you should believe in yourself and from there I'm just like okay, and when I talk talk talk I found out that


you know it's actually easy to do things if you believe in yourself and from there I actually started to, grow, and when I entered poly, you know I always tell myself that even though there are people who have opposing like opinions about your ideas and all that when it comes to like teamwork and all I just tell myself if you think you're right you just say it out


when presenting like don't care whatever people say when you are like discussing just present and see what the teacher say and I did it and, I got praised at the end so like all is well , okay


ya I was about to say that , what am I thankful for, !wah! I actually don't know eh


okay actually I'm I'm thankful for my mum lah honestly, actually my parents but mostly my mum, because like even though we have, a lot of , how to say like ups and downs and differences


she has been the one for me, like always been there for me always you know even since like when I was younger she has always like supported me and like in the backend even though I don't know, she will like


talk to my dad about me and say like okay like just let her do this you know just just let her leave you know that kind of thing, so that's like, like she helps to talk to my father about me whenever like my father and I have like difference like quarrels and all that


so she has always been the , my support system, and she has always been there to care for me so ya what about you


COVID right after COVID ends, do you think your, spending or saving habits will change


I mean to be honest I feel like pre COVID I don't know if it's the asian in me, but uh, saving is been a habit lah, so , yes probably would save more but then I would say it wouldn't be much of a difference


ya, and spending wise, right we are still students, so but the only thing that I spend on is food mainly and ya even transport like, my parents prefer that so, for now I think post COVID to be honest it wouldn't change like my spending or saving habits


right relate relate


but it's intense right, then it's over like a few months


because it depends on okay cause my, input, will either be from my parents or work but then I don't have, uh I don't really work, unless it's during school holidays, so I can only save


when I work ya, and like with my parents many I will like spend it all lah, on food, so I would say my spend my saving habits are not great but then I do save lah


right right, you know your bank uh you can actually there's like some settings lah I I can't remember like exactly what but it will force you to set aside a certain amount of money, as part of like your savings so maybe like you can try that lah but in the future when when you have


yes because I know that my spending habits are not


everything that has to do with housing bills, ya so probably, uh be a bit more frugal, , maybe like in the first few years of marriage I guess


to the joint account when you get engaged right, I mean I will not go and change lah but like if anything happens then, what are you going to do with the money , okay that is three, alright alright so


okay let's move like further like retirement, I guess so, what are your thoughts on CPF


ya it's very high but the thing is I feel like not everyone has a CPF account right, so like, ya if you are the elderly and then the thing is also okay you can have CPF but then you can uplift your CPF, contributions ya


cause it's actually not that a lot, ya and what happens then, cause okay if you are too old and you're retired and then maybe you want to find a job but you can only work as a what like, a cleaner ya


siding okay lah CPF itself I would say it's good because it, it helps us to save but I, think perhaps, , more can be done cause it doesn't cover everyone right


like when you're older like who are you going to depend on I mean, if you don't have kids then


oh but I thought like it depends on the scheme that you choose, so, okay I'm not very sure about this but I think like you can either deduct, a certain percentage all at once, or they will give you per month or something like that so it's still quite


like restricted, like the amount of money that you are allowed to, to withdraw, so so I guess that is good lah, cause if not then I think you will overspend


of course it's not enough is it, cause, uh when you take out, money from CPF you still have to pay back right, pay back got interest or not okay lah but ya I'll say like


CPF is good in general


now obviously no, no because , I don't have confidence that I would be responsible enough, to to not be that ya cause at least uh in the future I might


okay wait so wait I need to clarify credit card it works, like you can have rebates one right, can you, I don't know it just sounds very risky it just sounds very risky cause like personally I don't trust myself


in that aspect ya, so unless I, feel like I am responsible enough then I would so I would say no, even ya even in the future what about you


okay in the future right


I think I think you can start with like


is it collect is it building your profile there's like, , like robots for that , so like from there you can know like, what type of investment you can start with like how how much is your like risk appetite so you can start slow I guess can start like small


in that sense ya, I mean there's always risk lah but, if you if you can read the rewards then I think it's quite worth it, yes but I think honestly my main, concern is not


like investment itself but, the, but okay no because because we have, like, considering religion , is a whole new, law like we can just invest like how like other people invest right


so ya in a way it's more limited but, it's still possible and that itself is a grey area so


ya and let your money work , ya correct correct but first no but first savings , you know savings then you want to invest


I guess not to spend on, things that don't really have much value, like get at fifteen what do I buy like I still buy, I think I still buy clothes that I actually don't need, I still buy


accessories like accessories for my phone, that are actually don't need so ya like, all that money accumulated I could have actually saved, like quite a lot I feel ya, because like is the idea that


or maybe one day I just spend, like two dollars, or like five dollars but actually when you calculate that, like, for one whole year it's a lot, so, ya I guess I will tell myself to just save more


I mean I'm not a on Spotify premium


negative experience


so Raj, do I talk about can I let's start easy you want to talk about, your worst travel experience


that's really stressful because you, you are in a foreign place, no matter how prepared you are you you still have to like take care of yourself take care of like other people I would say ya and try not to spoil the


the trip but then at the same time like, cause I went with someone and we were kind of like fighting in the sense, so ya that was that cold war, and we just had to suck it up


ya cause you were travelling in a group also and, it was really unpleasant lah cause, you are trying your best to have fun but at the same time you, you need to like fake it


that was a that was a that was a different one but that was, that was hard okay you want uh move to the next question what is like about the younger


okay I'll start with the younger, generation first they grew up with phones and basically in the digital world like, that's what they consume, all the time so I feel that they will


like their mannerism their, their behaviour and all that, is base of whatever they see online, and whatever they see online is actually not, is is not uh, I feel like some of it is not good representation of


, what you should be doing in real life lah, ya but then like obviously kids don't know how to how to judge that right ya, so then the way they talk, like, sometimes I feel like they are a bit


they are a bit too, straightforward to a point that it's rude, ya, and I guess it's so it's also comes from, the type of content because like


I think western content, is like, is everywhere is prevalent and in the western culture, the way they converse is different, like I feel like in our community when we speak to someone we still have that that


tone ya that is just different lah I wouldn't say like, , the western as they are like rude or something no it's just different different ya different ways of, like uh, talking and like you said mannerisms, like I feel like I don't like


that the younger generation, like the way they, the way they are brought up or like ya the way they are now it's really it is not good lah ya ya ya ya because like they don't know like that's their norm ya yes ya ya ya


and that will shape like how they are, like in the future also ya, and as for the older generation I think, , so far to be honest, like I don't I, I don't have many encounters with like older people being very


like close-minded but I have this one encounter where this this aunty right we were talking about the education system and the difference between like


elite schools and neighbourhood schools so I came from a neighborhood school right and she just she just saying how like oh in elite schools, like the programmes there are are are better and then like okay lah I, I agree and all that and then she talk about how, oh you know the younger generation they are so spoiled


because uh the, the parents of our age they don't know how to discipline their kids they don't use like, proper punishment and I was so taken aback I was like so you think, beating your kid equals to making them a better person and she was like ya definitely and I was like


I was shocked because, ya because like I feel that okay like , that was how they used to, raise their kids right like, through beating and proper punishment and all that stuff but I think


now like especially our generation we learn how to, rationalise instead, and I think that is, a much like healthier way of upbringing ya other than that I think uh I don't really have


anything that I dislike about the older generation


it's not just that they they will like push you


ya that seniority thing, ya, I don't I don't agree with, like oh because I'm older you should respect me, I feel like you should respect anyone regardless of age


ya you think ya they really think that they are right


I feel like okay I feel like it's both, cause like as a parent you also need to like set the boundaries, and not just let let your child, be spoilt like that, but I don't know lah I don't know the


one more thing about the older generation just realise, sometimes like some of them, even you know like there's that one professor he, like they don't seem to care, about things that they think doesn't uh concern them


like for example okay for example right, the environment like effort a lot, and they will always say they will always say oh by the time like you know if anything were to happen by the time that happens I'll be dead, I'm like so


so just because it it won't like, you know cause a direct impact on you since you'll be dead like, you shouldn't care ya and ya exactly you are you still you still are contributing, and that I feel like


okay I don't know if it's a older generation problem or it just the, or as long as it's not in my backyard kind of mentality, but ya I I feel that uh, because of the situation, like ya


like the older older generation just doesn't find it as


what is your greatest fear


cause I feel like okay at this stage, in life although I'm not yet like like my close close like people around me like passing passing on but then I had I've I have experience like people gone lah like completely gone so I think


in that sense I already, know how I already know the feeling of of uh losing someone like that so in that like, once you experience that there's no, is not element of you cause I think you fear because you don't


you don't know right ya so later when I think, back is not really death, is not really like my own death that I would fear but it's like what happens before my death like if I were if I can say that like I live a fulfilling life then okay lah like you know like you can die peacefully sort of but like because I feel like although I


like what twenty right now, I feel like I am still, learning how to be a good person and still learning, how to how to like manage myself


positive experience


so Raj, what's the best song lyric


oh so it's not the lyric but it's the it's the voice is it, alright alright , !huh!, ah oh no okay oh no this right song


so emo but like okay for now I'm stuck with this song, got , if the world was ending, so, no also in the song right there's a line that says, if the world was and then you come over right, ya I think like that


that will be like the best song lyric, for now, cause somehow you feel so relatable like, ya, like COVID times then it's so unpredictable but then you know you have that like one person that you kind of want to spend your time with but like you can't so


you know if anything happens you come over right , okay ya , okay okay


definitely because of its because of the people there like, , they are so friendly and so nice that is not a thing to tip them, like, I read somewhere that if you tip them is considered like rude or something ya so like when I went there right like from the hotel service to the transport


the staff they will be like, their service is tip-top up, like for example that time it was raining, and then okay if you, usually you just bring your own umbrella what right no the bus conductor would come down and he would like he would shelter you like ya he will shelter you and then


, there right the train they will have I think regular, , like cleaning schedule or something like that ya, and it was it wasn't just like oh you know like I'm just going to do my job and


clean they would actually like bow down back to you, ya I I think, ya there's there's like, a whole new level of like shock ya, just because they are the culture and the people there


it's just different lah in a nice way in a nice way so I would really like to like learn more, and find out more, that ya how about you, with all respect oh and the food oh my goodness so ya so you know I love Sushi


and, when I went there and I checked the, the halal Sushi there right, is all raw, like imagine eat imagine eating raw tuna, ya, the smell the taste, ya, okay actually only the tuna like, I only had problems with the tuna lah because of the smell mainly but then everything else was fine


ya but , nobody in my family could digest it except for me, me so ya it was nice too, oh and the Udon okay I'm ya the Udon there , so the different level you should try it ya, basically just just go japan lah


tried on it I have not tried


yup London bridge in australia yes


is I think it's because we are from singapore, so all we see are like buildings, ya the only nature, I know there's trees everywhere but you know I don't I don't really count that as something that is very scenic ya


yes you should, actually I would say right like, , yes like you can get like beautiful scenery overseas, but, japan is really like a place for for you to learn about the people and the culture


ya that that was like, that really yes left me in awe , cause yes ya, and like the theme parks there are, definitely more fun than USS yeah


they have oh and okay so putting like the people culture culture whatever and like the theme park there right, so , for example was it in Universal studios japan, okay I forgot lah or Disney world I forgot


but ya, like they would actually dress up, in like full on costumes like especially the kids so you you will see like donald duck mickey mouse you'll see like Pikachu princesses ya and like you can find like couples wearing like matchy Disney


cartoons or what and it's like a thing there and it's so cute ya, they're so cute yes yes correct correct enthusiasm


no COVID had to happen it's okay it's okay, it's okay alright so !woo! describe


describe the moment when you felt the luckiest


[orh]


the same answer but like adding onto that I think both of us can relate, uh stepping into uni and being in, I taking a position in SMU MS, ya I think that that is really like, it


made me realise how lucky I was being born, like in in the religion lah ya and that, like we, we see how some people like struggle right like just trying to learn and trying to, they are trying to learn at this age ya about like faith and all that


ya and I feel like, wherever we will position like where we are at now, , yes like it's based on our our decisions but also, some of it is like fate slash luck, I will say ya


so with that like it really grew us, as individuals and I think like we realised that and we can see that, for ourselves so ya I feel like, , ya I just feel like like we're quite uh lucky ah to be


to be placed in this situation ya ya ya, like everything everything just went like


ya and the people there are amazing ah ya , (hmm) , marketing


ya admit like, bunch of people will always meet everyday


like hello thoughts , , oh ya my goodness I wish I was there to actually see but, ya, ah definitely lucky to have them


you want to pick ya ya you want to pick your question


that's thing that about myself, , this is going to sound a bit, sad-ish but I feel like,


I feel like the best thing I've ever done for myself is to actually take a break, like no of course is, it gives you like their perception that, like I have so much work to do


when I feel like in reality I'm just, this like you know kind of lazy , , well there's another way to say that okay ah, but I think like the best thing I've done wait wait no no no it's not taking a break but like knowing


who to cut off from my life !woo!, !woo! dirty okay ya but really I think, I, as in like some people who are afraid to, , cut off ties just because like


they don't want to seem like a the bad person, but if you are in, a toxic, like friendship or relationship, ya I feel that it it's needed lah to just you know like


break away from the other person cause if not like you're not just uh damaging yourself but also the other party, so think, ya that's definitely one of the investing I've done for myself like knowing when to, want to call you quit ah


how about you


ya learning how to balance that ah ya


yes personally because you know after like COVID and all right uh I feel that the economy is not really doing as well, ya so because of that even my parents like all of them they're encouraging me not to like spend a lot and actually to save more


ya in order to prepare ourselves lah because I feel that recession is like going to come soon and like there's a high probability like people are going to lose their jobs and all so because of that I think it's very important for, like us to be like more aware of our finances


ya and try to save and scrimp on weekend lah in order to prepare ourselves for the future ya Dinah what do you think what about you


I think it's also I think is quite interest quite like interesting also because in the sense uh like because of this COVID right some of us also in order for us to like uh, be able to like have more I would say like be able to like have more money to like spend on our output we kind of like try our best to like find jobs


nowadays but is not easy like earning like ya certain amount of income even like the place where like I'm working at uh they are actually not really open so because of that I don't really have any extra savings or extra pocket money like for me to spend in school


so because of that I feel that I have to like cut down on a lot of things, ya and I try to like buy you know those Shopee nine nine savings the Shopee nine nine , yes yes so because of the , then we go to that is like everything all we tried find like discounts and like coupons and all of that ya oh ya and then recently also uh STB right like they recently launched their hundred dollars voucher


vouchers ya it's intense, , but I guess that would be very fitting for us lah as like uh students because they made the age to like eighteen years old and like we are over that so ya so we can spend and like hopefully inject more


money into the economy ya and like ya increase, yes see it , what about you ah do you have any like any saving habits, like an interesting saving habit


for mine it was really bad like my saving habit like I had no like saving habits at all I really suck like when I was in like secondary school right my mum basically gave me, like uh an ATM card and then basically there were there were I remember there was like I think like eight K


and then right after like two months right it became like five K , it became like five K only because I spend so much money but then my mum was like my mum tried to like, encourage me to like you know how to plan my finances well I guess through there because


uh she told me like she will only like inject like a certain like she'll only like give like and transfer like a certain amount of money like every month like for example around like fifty hundred dollars that kind when I was in secondary school , ya so because of that I think I kind of know how to strim and save a little bit and like not spend a lot I just spend a lot on like K pop stuff


, alright yes,


actually in the ya in the future also I was like thinking ah maybe like because I don't know like are you for you personally are you like satisfied with like your bank like a bank


for like me personally because when I was old when I'm older right I was thinking of like changing from like POSB to like UOB or something like I really like my mum really wanted me to like, uh open like a UOB account because she said like the interest was higher or something along that line ya but then she felt that it was the minimum amount was


really kind of high so because of that I had to settle for like POSB, but I think in the future when I like start like earning more like earning and like having like stable income I think I will switch to like uh UOB ah, ya


cause I feel that is more worth it I guess than like POSB even though POSB like safe but the interest rate is higher so , yes money money , okay alright uh


okay how do you what about you uh what do you think of like managing like your financial commitments like do you think there will be a difference in how you like manage your finances before and after marriage, (mmhmm)


okay okay, me ah but , uh I actually like the idea of a joint account actually I was like thinking ah like, you know like maybe when like I really get engaged I will set up a joint account (mmhmm) but like I think it's very


it's kind of like is really useful because uh my parents actually have one ya then they actually like set aside some money lah like over there ya and they don't really touch it that much so like I think can use it like during like family emergencies or something like it's just like a backup you know, in case of like uh anything happens to like the family ya so besides lah our personal like saving accounts


so I think that's really like that's a really good idea to have a like, ya to have a, and also for me personally I think like, I heard that like my like after marriage and of like before marriage I've definitely like want to save a lot more in order to prepare myself like before marriage because I like


I don't really how to say this ah in case if I have like a child earlier by not by accident lah but like, ya if I have like in case I, child ya like in an early like first year of marriage or something like we have enough money because like when that time I went to like NTUC right !wah! the baby powder was and the baby and the baby milk powder everything was like damn expensive


it was like eighty dollars hundred dollars and I'm like I don't think like I don't know like seeing uh in the future about and around like three thousand, plus after that that won't be that really won't be enough you know ya so we definitely need to like prepare like really early


ya and have like a solid plan before like we have like a child lah even ya so like that's why I feel that, maybe you should we need to be like we get married and all right we need to really like plan our finances properly found like partner ya so that we won't like accidentally like maybe like get into debt or something you know be able to pay like our installments or that if we like want to buy like a house


then you have to like pay like buy like instalments right like a a few years ya


uh maybe like uh divide into two or like look at the history and see who contributed most, , if the storm comes


I feel that really like when I'm like around fifty-ish right I'll be like very like you know when you are in the need of like money because I understand that some some people right, like when I go for like uh those meet the people session some of the citizens actually asked whether they can like withdraw their CPF money in order to like pay for their house and uh all that but then they're not actually like at that age you know to like withdraw so I felt that


I felt that in like CPF is actually like it's a good like investment for the future lah it's typical political answer but like, I feel that honestly the government kind of like had uh like a good like idea like they had like the best interests for us in like preparing for our future because if we see also today like don't you think like the cost of living in singapore is like quite high


that's the thing lah ya actually not I think with that's true like especially like for example uh, is that really nor uh like this kind of overlooked people something that we need to we should keep like in mind I guess


, that's why like saving is like kind like we can't just rely on like CPF, and I ya jessy


but then there's and and the thing is also some people like don't really value like don't really see the value in like CPF like they rather keep like a lot of money in their own house like that kind


also like my how do you say this ah, like a lot of people they don't see they don't see it like they see as like you know like an account that they it's like their own money right so they feel that it's their right to like take it out whenever they want to


because like ya like I don't want the case that I told you ya that time is like the family wanted to withdraw but uh like money but the CPF for their house but then uh they are unable to do so like they weren't given like permission


that one may not sure, , which we can work on


, okay shall we move on to, uh shall we move move our conversation ya, okay okay do you think why a person should own a credit card


like personally it just from you would you want to own a credit card


that's how they attract people


I see like for me personally , like you know seeing how I like spend that much I don't trust myself with the card ya, but then if I could find one that's like really like in good right maybe like you know those they have those like kind of like very family friendly like those like


ya, I will say like maybe if I own a car also like those like to have like petrol, perks or like when you go out then you can like get some like rebates for like your food and dining, ya there's like this website lah like basically you can find uh like uh


a credit card that actually like suit you, so I feel that in the future I will probably like uh want to like get one I guess so that at least like I can like collect points and then actually uh may be like use it in the future ah like can get like like you said like rebates or like discount on like certain things that I


like lah ya like food something ya because I think I think having like one credit card is like okay, and I I hope I think in the future I will learn how to manage everything better with my finances so I think I'll probably going I'm probably going to get one lah ya for my family


right


I am interested in learning more about investment but I know like you know you have a friend who knows like, things about like uh like about investing and all right like one thing I'm worried about is I'm not really good at uh like for example I'm not really good at like see like keeping track with like the uh like forex and then all of that so


I'm actually kind of like a little bit scared to like dump like a huge amount of money especially my own like money like in something that like cannot really you cannot really like predict ya even though that's like they might be high chances of like in getting like higher return right I still feel there's still a chance of like you losing money ya


ya that loss is like not hundred per cent ya so I'm like still thinking like I'm still thinking about it but I'm interested in learning more about it lah what do you think


, I know there's this ya


would you want to try out in the future or would you want to invest


ya exactly, , that we need to like learn like quite a bit of like a lot lah, ya


they have this actually ya, I would I would want to learn about it in the future so like you know if like we can invest like maybe according to like our religion ya halal, investments ya but I think but first but first money


ya okay lah maybe in the future ya I would consider it, (mmhmm) alright okay , alright what what is one financial advice that you will give to the you five years ago there is when we are fifteen


ya basically I would like tell myself to like find all the student plan student savings anything that is like student each you know , because I wasted a lot of money like for example like you know spotify I only found out like a few days ago there is such a thing as Spotify for students ya you know so I've been paying like nine dollars and ninety nine cents not just nine dollars and ninety nine cents is converted so it becomes like ten dollars plus


so like everyone has been paying ten dollars plus right I can just pay five dollars so like, that kind of lah ya find out every student promo like anything that's related to students ya okay there was like a good talk about finance I hope that we can be more like I don't know we just I hope that we can like really learn more about like finance lah


it's something that I'm not I don't know yet ya


negative experience


worst travel experience ah oh my gosh, ya okay worst


I know I've I like it was it was an incident that made me like very stressed lah, ya, basically it was I was very upset I think we are basically there was this ring that I treasure a lot


okay and then basically what happened was that I was throwing my stuff right in the rubbish bin then I accidentally threw the ring in the dustbin, , it was okay the thing is right it was damn sad because it was a ring that I really treasure a lot and I wore it every single day and it was on that day and then


you know the sad thing is right I only realise that I threw it right only like after I went back into the car you know, that was one that was the one of the worst like the experience lah like during my travel lah but I think so far I don't, remember any like worst worst that really stood out to me ah


ya now we yes do you have any you never have any


oh man


it was like it's like the experience you know, in that I had uh it not not really it's not the same lah but like ya that time when I uh in JC the student council and !woo! ya that one wasn't ya that was


that was like yes, ya, okay , describe what you dislike about the younger slash older generation


okay,


mannerism lah


(hmm) it sometimes makes you very annoyed ah agitated sometimes, and the thing is acceptable for them to act that way that makes it worse,


, the heck


me [orh] for me one thing that I dislike is how they think seniority is like


in everything like you know oh my god I get damn pissed when I you know you are like queuing up right and then or like in the MRT like you waiting for the MRT to open door and then that will just be like an elder uh and like one person from the older generation like an elderly just stand like in the middle ya and like as


make us to like you know like I am given this right I'm older than you like let me walk through , ya and ya and like sometimes they are also like I don't know like, it's very ah eh eh it's just very frustrating lah because it is like


and it's like ya I just get very frustrated because like I didn't, I don't like sometimes they just ruin my mood and I'm like I didn't do anything wrong to you you know like why do you need to like, PMS everywhere right


word over the I like ya what what did I do wrong and like all that and then they would sometimes when I bump into them also and I will apologize and then they just glare at me like that but there's some there are also other times where they will bump into me, then I'll then after that is like I'm the one who apologise you know then he just glare at me like that lah I got like uh older something ya like it then it makes me like very very angry lah


, ya ya it's like


ya and ya don't like it when they sometimes like play the senior card also on you ya especially you may be in a family or something like I know some of them they play like senior card right like uh just because I'm older you have to listen to me ah that one ya because for me personally also like


I get very uh like like angry like not I I feel more sad than like angry ah because like it's like you feel that what you saying is logical you know, then after that


ya then they just shut you off like that you know that when that thing happens ah you already said it you already like predicted like it will happen then will be like see I told you, ya and then there are sometimes where they think that we're talking back to them !wah! that one I cannot like but we we aren't even raising our voices or anything we just telling them nicely you know like this is how I think and I I'm the type who I won't concede


if I think I am right ya like I'm the kind of person like in my family lah so like if I think it I'm right right I will just say ya but I'll say it nicely lah won't say in a rude way then they will think like why are you to talk back to me do do do do you know but then I'm like no ah I just like


is is just how I talk back and that's all, like my brother also uh had like that also happen a lot to my brother brother of us because we don't like to like if we think we are right or if you think they're wrong right I think it would be better to like give advice you know that's like normal right ya to like make sure like everyone


start on the right track and I'm all there, ya and as for the younger generation what makes me angry is oh ya there's this one incident I supposed to have tuition with my kid then uh basically what happened was that he got I've texted him to like ask him like whether he did his homework or not then he didn't reply so I ask the mum


like can you like check whether he like did his homework ah and all like cause the mum is very friendly ah towards me so like ya so we talk kind of like a little bit like slightly less formal lah then after that it's like he got mad he threw a tantrum at his mum you know


and then the mum didn't do anything then the mum just apologise to me like (oo) today we can't lah cause he's angry at me then I was like, I was like err like it pins is, the voice for


ya it's like, ya but like ya like I


and is I agree with you ah cause it's like sometimes it's kind of like pains me right because some parents right they really cannot bring up like the way they bring up okay I'm like nobody I'm not even a we are not parents yet lah after all it's like sometimes some little things, that they do right like it it pains me ah to like see that they are going they are like not really listening


they are not like doing things that are right like it's like this small little little things that made me very sad and like as in time, we are like for example like you know kids on the FAS right like my mum she works right then she will say lah like how some children they don't recognise the value of the money and then when they ask when they when she tells the parents right then the parents are like err whatever lah like it's not my problem and all that that one makes me really sad


and worried because, ya because we have people who are growing up like that and they don't have like in ya I'm just work for them lah overall like the way the outlook on life will be very different ya


ya every day so like


, it will just continue doing,


ya the one hundred per cent agree ah, !hais! ya maybe you want to pick the next question


my greatest fear besides like what fear of height , oh my god okay when I was really young (oo) okay you know you don't fear of heights is like a general thing ya that one basically when I was young ah we had to like ride this ah


roller coaster not roller coaster this viking thingy like hong kong Disneyland and I felt that my heart was dropping, ya then I was really scared to like get up ever again but like uh going to USS has trained me to not be scared of heights ya has trained me to not be scared of height I my greatest fear


eh uh it might sound very ironic about like is like being abandoned, ya nah I don't like being left like I don't like being left out I don't like being left alone I don't like being left at all ya


so like that's why I feel that ya that's my greatest fear I think I really I just, don't like the idea of being alone but I felt that as I grow up I think I need to get more used to it is like something that is a very important is a very having like being by yourself also there's beauty in it lah ya but I would prefer if like I'm not alone lah like in the future


like there's my greatest fear ya if I like were for example like if I were to like lose my mum, or something like lose someone who I really love right like my friend or anything in the future if they pass on right there will be something that I think I might not be able to cope that well maybe like for example my future spouse my future husband ya I can't imagine uh if he pass on from me that's why sometimes I I know it's wrong lah but like


I prayed like I will be gone first cause I don't know whether I can like take it if my other half ya it's like somebody who are like, I'm going to live with right then suddenly is just is just gone like dead you know and like without any explanation that kind is like it just happens all of a sudden and it's something that we need to like take time like digest and that all and for me personally it will take


it will take a long time lah ya for me to like really accept accept it ya, but then that's the thing lah like I feel that in a way our greatest fear it has to be uh like I think the most important thing also is we see the beauty in it ya


in that fear so that we can like work and become better ourselves because it's something that you were scared of right so ya and it can happen to us anytime so I feel that we need to kind of


being slightly mentally prepared for it ya like in my case anything can happen in like this kind of things will definitely happen in the future cause people will die that's why sometimes uh, uh like when I'm like praying right with my mum right then or I see her pray right I will just like cry because like I know one day death will finally have like it will have it will finally like happen you know then I need to like find a way to make sure that I'm mentally like prepared for it


and know what to do next lah in order to recover myself and in a way also, like accept and move on ya and do my best in whatever I can lor for them lor as they pass on, something ya but I'll remembering them


kind ya so ya even if you are gone also I'll be very sad lah you know cause I'm like , ya I cannot it's something very hard lah like a loss like for me is loss and mourning like maybe ya abandon abandonment because of like death that kind because


we know that the person will never come back ya in this life ya, so, so I guess that's the thing that's the thing that I'm trying to like mentally prepare myself for it's very hard lah like for me personally but like it's something that I have to face so I think I need to like really prepare prepare myself properly before it happens uh this is my greatest fear lah


(mmhmm) but we are not alone, yes


because like anything can happen right in the future, ya so I feel this [loh] it's okay girl we're in each other's prayers


(ppl) you are right are we yes, (ppl)


the best song lyric ah, okay the best song do you I've ever heard ah okay ya there's you know there's this


why I don't know like I okay it's just basically like anything that I hear from them is like I will smile lah ya


ya (hmm) (hmm), , what about you


I haven't save up to buy their album yet you know !hais! I'm so sad okay and I think I'm broke !hais! but it's okay like seeing them makes me happy already ha ha alright okay maybe let's talk about like maybe


(hmm) travel experience ya yes something a place where you want to go back or something,


I want to go japan I want to go japan


(oo), authentic Udon from japan


I wanna go there are try Ramen ya still remember we're we're supposed to go there, I suppose to go there as our graduation trip, after COVID yes please


ya ya okay ya like for me like I think one of the most memorable one I think, is probably australia ya like because I've only like kind of like traveled traveled because, my family usually goes for like staycations or like we only usually go like Johor JB we go like


Malacca like drive ya but then like for the first time in a long time lah I went like on like (oo) I went like on like I've like an at, playing like with my family like overseas you know so it was something that was very memorable and exciting for me and I don't know it was I think


I was really I felt really like, I was left in awe and I was very like inspired I guess because like we visited, places that were related like more like related to like nature I guess because we weren't really like in the town town kind of area so we visited like those like very scenic places ya it was so


pretty like there's this thing called uh there's this place called like London bridge is falling down or something then they say it came from there , yes yes then I was like , ya but then the most memorable one, the most memorable one was basically uh we were sitting down at this like place where we can see like penguins so there's this certain timing right where there will be like small penguins they will go back like from the shore they were like that tiny they were like this tiny


like this tiny and then they will like walk back to the shore to like find their like children, my god it was freaking cute sia, but then the thing is like we had to like, keep really quiet about it because uh we are if not it would scare them and it was like I don't know it was like really cold


like I think, ten degrees each ya and there was there there was like really strong wind and we had to sit there ya but it was damn worth it lah because like I don't know it so it make me like


kind of appreciate nature more in a sense ya and we also have visited like uh I forgot what the place is called, basically there was like really like huge huge rocks and you can just feel like the sea breeze my god it was


damn strong but like it was very calming lah I guess ya it was very breathtaking right it's some it's a place that I where I want to visit again because it makes me feel I guess it made me appreciate nature, more and like whatever present like in our world and like I feel more driven to like want to save money and like travel around the world and like see all these like beautiful places you know cause I


we read in singapore we don't really have that many like, , , ya the vibe are just different ah the vibes ya ya then I want to visit japan also during fall


!wah!, like I want to see the trees fall oh my god


, that's why we have to go together, then after that we can then after that you can be our tour guide we can go


the enthusiasm


, , oh man I want to go everyone go there like done ah we've been planning this since like when but


(mmhmm) (hmm) (hmm) (hmm) okay do you think we can move on alright you can pick your question


you want to go first or I go first, I go first ah I think then I like I think, honestly for me luckiest is because I'm someone who is very I'm very people oriented so I guess it makes me very happy when I have company with me ya


ya company like I have like a group of friend I think that like it makes me feel thankful that I have like very lucky lah that I'm able to like meet like wonderful people like you, like you like


sarah and all that and I don't know lah like sometimes ya I , it is just how to I say it it's like I have that constant group of friends that , uh I know that will always like kind of like be with me despite whatever happens like in life so I think I'm I feel very


I feel very grateful and I am very happy because of that lah ya it's ya because I feel that all these friendships right it's not it's not really easy to, come by, ya it's not it's not easy to have like really close and good friends who you can like talk to share to whatever upon so it's like


I know I like very very little moments I guess like when we like go out or something ya ah then I'll suddenly like, like ya like you're you're are like in my life you know like that kind of thing ya and it's like there aren't a lot of like I don't have we don't I don't have


that many like close and good friends that like know me kind of ya so I am very I think that like it's not a moment but it's it's just something that's like very constant lah ya


so I feel very lucky that I have people who support me and like love me ya besides like my maybe my family members ya that kind I have people who can I can depend on ya what about you,


ya is like we went for lifestyle together also, ya and then I remember , , and then I remember also I remember you wanted to say you said also that like you wanted to uh you didn't really know how to like use photoshop and all of it well when you before you entered right


uh lifestyle ya then now you're like, a booms I mean marketing I can edit further, ya I think ya


and ya personally also I'm like ya so I feel very lucky that we are in SMU because personally uh you know we were like really in in the first place before we even start before we even came into uni we were like deciding what which uni to go right, ya and I felt I don't know lah like I'm very glad that I choose this uni ya as a place for me to like grow as a person like I felt very lucky that we chose this we will because


ya it's like we we is like I know I feel I feel very thankful that we are also surrounded with like people who are like very matured ya like-minded like us and like can inspire us to do better and even okay lah class and like class and everything can be like


uh you know like very demotivating right and all, but I feel that I don't know this in a way we are kind of like manifest and like become like better and prepare ourselves like, and develop ourselves to become like better people in the future it despite the challenges through the challenges that we have uh so I feel that we would definitely have like very great and big personal growth and that's why I feel very


happy that we are here where we are now, ya I feel that if you were to be in a uh in another uni I feel like things will be very different we I won't be we won't be this daring in a way we won't be this ya like in a way we like see things it might be different ya and I like the way you


like the world review issues now and we had people to also like deep in a way like deep, or like discuss you know like just randomly out of the blue like , what do you think of it remember yesterday remember yesterday the #cha lim#


!aiya!, ya and then Nurul just erased everything ya, I I love that I love those small small little benders and like joke that we have also it's very funny


okay maybe we can move on uh maybe alright okay, (mmhmm) (hmm) (hmm) (hmm) (hmm) alright okay what is the best thing that you've done for yourself


!woo! ,


, (mmhmm), it's not a sad thing that's a good thing


, we we be hustling we be hustling forced hustling


that's cool me ah the best thing I've done for myself (hmm) (hmm) (hmm) (hmm) okay for me I think personally one of the things I feel that I've done a lot of things ya


because the way I see the way I see things like uh the way I see things like kind of like change a little bit kind of because now I I think best thing that I've done myself like right now is to choose to be happy and like stable


like no matter what happens lah because I think that I feel that in the past okay it can be sounded to be sad but I, I used to be very negative and uh all that right ya so now I'm like I don't know like I want to pick I want to like be happy like is a choice that I have like chosen and I want to like stick with it ya and stick with it no matter what lah like what happens even though


you know like some bad stuff might like happen I guess that it happens for a reason lah, and then I will take it like more as like a lesson for me to like learn and for me as an and see myself see this as an opportunity for like me to like go as a person so at the end of day I become like stronger I'll become


the like that kind I feel that that's how I kind of want to choose to see life right now and that is how I I don't know I feel like this is the best thing I have done for myself because I used to worry about people but then I don't think of myself so like now I'm like


I feel very happy because I'm like the gift of myself you know it's like me me me, , (mmhmm) ya so I feel that ya and I'm very happy ah I I'm very happy and I feel very stable and calm with uh like I'm with whatever's like happening right now so I think is like take things with like a grain of salt yes


ya so yes I choose to like see the brighter sort of thing lah ya because I feel that it is not good, not really that good to like dwell in like negative emotion to so all the time, so ya that's why I feel that it, like I choose to be happy ya at right now (mmhmm) alright okay ya


I just hope that will at the end of the day all of us will find that eternal like happiness ya that we are seeking for, anything else you want to add


(ppo) alright (ppl)


part one finance, yes I do yes I do I have a savings account two savings account from my POSB bank so do you have one


(mmhmm), uh as of mine I have their passbook savings account the the the the typical account that everybody have and mine is the uh the other one will be the most uh the my savings account ya ya so


so you every day you have to check the currency exchange then


right right right as of as of my case uh my normal passbook savings account it's it was being created by my mom since I'm young so most of the transactions are are are in that that account


so as the other for the other one is for, money that I chucked aside for my rainy days so it ya so that account itself there's no there's no card for it so if I need


if I need some money some stash from the uh from the account, I have to uh transfer it to my uh passbook savings account, ya


ya that's right so do you have a any credit card or debit card


I do own one uh one debit card and one credit, card debit uh credit card is from Citibank the PremierMiles card I like this card because the miles I collected from my spendings will not expire so that's a good thing and unlike other credit cards I find


uh that , they will expire within uh a period of time like for example the UOB Krisflyer card the miles will expire in three years time so, so you have to spend that miles regardless if not it will just go to waste that's why I find it and of course the debit card will be the uh the the typical POSB gold card


yes yes yes, yes, yes I do agree sometimes I I forget to pay my credit card bills and there's there's uh there's a penalty occurred in uh in my account I do agree with that so uh in like next to next question do you think couples should combine their finances and open a joint account


ya household expenses ya, ya, ya yes I do agree I do agree uh to your, faults uh regarding the joint account I do have the same sentiment regarding it , it's good because uh so we so


both of both of uh I mean the couple will have a a same vision uh in the marriage itself you know if uh if they have a just a separate account then, you could you cannot uh, you cannot, monitor the expenses uh personal expenses ya ya


yes correct yup, so next one uh do you have a, high-yield bank account or fixed deposit


uh, not really actually, but, fixed account, fixed deposit I mean , I I assume fixed deposit as in I transferred a fixed deposit to another account


every month I do have that because I force myself to save so so every month I'll set aside a a a a, a specific amount of money to the other account which is my savings uh my savings account


so I will not I will not, I will not know, at the end of the day how much I have in that my savings account unless I I open up and see, so which which is good I find ya, all right yes yes yes yes sometime sometimes


uh ya correct I don't have a I don't have a, card, tagged to the account itself ya, so at what age should a child be given an ATM card to manage their own bank account


for me it's it really depends on the maturity of the the child itself I wouldn't say a uh uh, a specific age you you I feel that a parent should know should know when's the child will be ready


ya so, so as of me it really depends okay and sometimes it's good in a way that if if the especially when the parents, go like yourself you go you work overseas you know uh you you give a allowance every month


so it it helps it helps a child to grow, to be to, manage their financial finances part of himself better as a child ya that's right


as of me I love to travel travels is uh is is really what I really enjoy and, I like I said I I have the PremierMiles from Citibank which, which I'll I'll go for a miles uh miles card, but it really depends on a person's lifestyle


right and, I cannot see that what kind or what type of credit card is the best, okay uh it really depends okay uh for myself I love to travel and it makes sense when I applied applied the Citibank Citibank card premium card


uh there a lot of there's a lot of benefit from these cards like for example every year I have two free visits to lounges using the uh premier card uh the I mean I'm sorry uh the priority pass uh which it was given by the credit card itself


and then when I when I spend using the credit card I gain points and from points I, I get to collect and eventually you know when when I get to collect more points I can you know uh get a free airline ticket you know that's the best part about having miles what about you


yup, ya, that's right that's right it's like having discount at all the time, yes that's right ya, I I'm sure everybody like discounts too


okay so, , I I I don't have any experience , I my my insurance comes from AXA and Manulife but I feel that I feel that uh insurance product from banks is just another I don't know


another form of service that banks, provide which I feel that banks are, banks are known for just you know it's where you keep your money and stuff like that but this is just another diversion you know uh diversion of banks for their extra service that's all that's that's that's what I think


or you know or you know I think I think I purchase one just a small one it's for travel travel uh insurance bank which sometimes I think most of the time I really forget how uh to buy insurance then I will just go to ATM machine and I just buy off the


uh buy off the insurance, uh, uh insurance products from the from the bank itself that's all uh other than that I don't really buy the insurance uh products from the banks, ya ya ya


so (mmhmm), no I I'm I'm afraid I don't but , I only I I only buy investment


stuff from, from my uh agent itself my insurance agent I have, I quite a number of investment funds that I invested on, which which I , which I I don't know I trust for banks it's sometimes it can fluctuate really uh it's


volatile so I will not ya it it kind of, high risk though I find sometimes


yup, okay all right I find that you are you are such a traditionalist person !huh!


okay uh so somebody or argue with that banks interest are unattractive whereas, others may feel that their money is safe and accessible in banks in light of this would you save your money in a bank or invest it somewhere


(mmhmm), ya ya , okay all right okay for me yes I do agree that banks interest are unattractive because I believe in making my money work for me


can and and I assume the bank uh interest right now is zero point zero five to zero point zero two if the typical bank accounts I wouldn't I feel that with such uh interest rate I wouldn't be able to grow my money with such interest rates offered by the bank I feel that if someone


would who like to grow their money would be put it somewhere else ya like a interest uh ah investment plan or something investment funds, which you you just chuck it aside uh within one if a few months or one year you can you you can see the difference in the money that's where I feel it's beneficial rather than can you just chuck in a in a bank account I know it's safe ya I mean I know you feel safe and accessible but I feel that you shouldn't


put uh all your eggs uh in one basket, ya ya correct ya


ya ya correct so let's go let's proceed to the next one what is your experience of getting a loan from a bank so if so share the details, (mmhmm)


(mmhmm)


uh as for me I I have a bank loan I took up a, home loan from DBS for my apartment but as of now my my home is my house is not ready yet so right now my home loan is with uh floating interest rate of two percent as of now


but only when my T my my place is ready as in TOP I will able to change to a fixed rate which I believe is one point five per one percent one point five percent per annum but it it really there's a lot of


uh packages offered by this bank there's like uh two two years fixed uh package three years and five years I believe the second and third three years for the package you cannot pay uh a partial repayment in that in for your loan


as compared to the one with five five five years so for example that you have you put uh somehow you you have extra cash in hand you for example you have ten thousand dollars and you feel that it's I you want to put you want to pay directly to your mortgage


you can't do that if you have two years or three years locked in with the bank ah correct if you have five years I believe you can do it ya but but other than that I when I talk to the person from the bank they feel that if you want to take up a fixed


package you have to call them and because things change all the time packages change all the time so you have to call and uh clarify more , more things from the bank, ya


yes yes


that's about all that we have covered for the part the the finance part ya, yup


so just to uh just to fill up the time ya just to recap, what or do you, do you think that is saving your money or in your bank account is the best way


ya, okay


can we stop all right can


okay part three negative experience, ya okay


my when my fiance reply me I don't know uh that something that I really get annoyed uh usually I will just brush it aside you know but when it gets too much


I will just uh I I I I tell him off you know it's I feel that, being a relationship it's uh it's a two way uh communication uh saying I don't know it's it's something that you do not want to talk about it and it's something that you can't want you want to brush it off


you ya so, I find that if there's no point if I be together with a person but I cannot get answers out of, the person you know ya what about you


ya, ya, (mmhmm)


(mmhmm) ya ya okay, all right uh let's proceed to the next one recall a scene from a movie that make you cry in sadness


(mmhmm) yup


okay


(mmhmm)


ya, for myself it's of course my my favourite movie of all time the PS I love you I as I said just now


of course I I I I did said about getting over someone you love, that's and and having to wake up , wake up one day not having your husband next to you, you know it's just so sad and her the process of getting over the husband was tough


you know like you can still uh I mean the actress can stills , sense the uh the husband was still around and the fact that the husband left her a lot of things


you know like letters you know and flowers, letters are always always scheduled to send her every time so that uh she will not, she will not so called not forget the husband but then eventually she find it very difficult to get over him even


more when these letters kept coming, you know and I I cannot imagine myself having, to to to go through this path getting over someone I love especially when the uh the person passed on


ya ya there's uh let's describe what you dislike about the younger or older generation


as for myself I what, I dislike about the older generation is they they are resistant to change, okay and and not receptive of others' opinions I feel because


they feel that you know they're older generation they in malay they they they somehow uh there's a direct translation of I've eaten more salt than you it means that I go through life more than you I should know better, so but things change uh things change with uh accordance to time if the development uh they with the development of the technology but they always find that their way is always the best it might be


best in that current situation in that current era in that era of their of theirs but not as of now I I mean, things just change you know , if you if you just behave and act like the same as before you will not they will not grow as a person


you know I I wish I believe and other than that they still believe in taboos I in the malay community taboos are still , widely widely practised is it relieved you know yes and


younger generations you know sometimes you just start could to question uh because some some things are just cannot be absorbed you know uh you their because, you know being young you all you think is logical whether it's being realistic you know it's based on science and stuff like that but the older generation are more like no you cannot do this if you do this it will turn out like that you know based


sometimes sometimes these taboos are based on what they've been told by by their parents and their parents being told by their other parent parent parents is based on generation after generation, the they the


the the logic behind it we do not know because you know last time probably they think no no question asked whatever you being told you just accept it and so they they I feel that now the older generation want us to be like that


you know want us to be receptive of what they being uh they they share with us you know that's what I feel, yes yes ya correct so let's talk about your worst travel experience


(mmhmm) yes


(uh huh) ya, ya


!wow!, ha


you must be feeling uh scared being in a foreign land not knowing anything, ya that, myself


a few years ago my first trip to Bali I was travelling with a friend, okay I, the the thing about her is, she


she's always avoiding to pay things okay uh so, she always, you know you know sometimes it's , you it's a two way thing when you travel okay when it's time for you when you pay this time the next time the other person pay but for her it's always she she will avoid and pretend not to you know being oblivious you know so all the time when we were there I ended up


paying most of the things, you know like cab fare like I know like drinks and food and stuff like that and on top of that she didn't change money prior to the to arriving to Bali and she always give like, and she always give reason oh you know I I have not changed money yet ya probably you pay first


you know I I I I hate this kind of person you know you know that you are travelling on a foreign land you know you need to change your money you need to spend why did why didn't you change your money beforehand you know and and having me to pay is


I have uh this amount of stash with me you know so if I have to pay a lot more than what I'm going to spend on, the next day you know then what's the point of her paying me back the money towards the end of the trip you know I then what's the point of me having a lot of Rupiah in hand at the end of the trip right it doesn't make sense at all


yes so I learned my lesson I uh actually I don't learn my lesson you know apparently she's like, one of my last few friends that not married and no commitments and love to travel so


so I've I have no choice again I I were I I went to #cape town# last year with my mother and uh, apparently she she had, same plans to go to #cape town# too and coincidently our our dates


matched so of course being a friend you know I ask her you know whether do you want to join me and my mother and same same same, she she didn't still you know, she didn't pay for the cab fare wherever we go


and it you know , and it made me feel like you know how ya used you know I you know I'm I'm nice to you you know and why why are you being like that you know ya ya ya I'm of course being naive and you know ya ya


okay let's go to the next one when I committed uh wait describe a time when you feel that nothing is nothing you do is good enough


ya (mmhmm)


!wow! you survived


it must be a traumatic experience for you the whole two years, ya true ya


ya that's right, that's right, for me when I committed to a man


, for a number of years but but the relationship was going nowhere so I so it it's it uh, I start to sit down and ponder whether you know what is it I like what what is it that I do not do what is it that I did is there is there I did something wrong you know like I don't deserve


to you know to move on to the the next phase of life you know I I felt that I, , I I wasted my years I wasted my years my youth and and the result is there's no result of it ya I wish I wish things go different way


uh so I uh so that you know I will not waste my time you know but, I feel that going through this kind of phase made me a better person uh made me, no there must be a reason for what whatever happened in our life that's why we are being put in such situation ya okay let's describe ya that's describe a embarrassing moment that make you cringe


ya, (uh huh)


okay, okay


okay all right, for myself embarrassing moment it was eight years ago I went to uh a wedding with my back then boyfriend I was wearing a six inch heels you know , all prim and proper


and I was getting my food from the buffet line and I tripped I tripped over and fell, you know and everybody helped me in the camera man the the guest at the wedding everybody helped me except for


my ex-boyfriend you know he pretended that he didn't know me at all uh it was, it was quite an experience you know it's you know, I thought that you know


being having a person in your life you he'll be there for you regardless


part, two positive experience


when my uh when my fiance sends a bouquet of flowers which he already stops doing it, right now but I don't know why, I think he just forget I think he forget to do it I think he forget to put a prompt in his phone to send a bouquet of flowers for me


(uh huh)


ya, (mmhmm) ya, ya some sometimes it's very sad for is sometime it's very sad when people just uh you know just ignore them just push them aside you know as if that they doesn't exist in in our world you know and because they I feel that they act as a reminder for us to be kind


you don't you don't like it a little bit of kindness every day makes you a better person that's what I feel, ya ya, ya so what are your sacrifices you have made that worth everything


(mmhmm), ya okay , as of myself my ambition is to always become a teacher since last time since I'm young so but uh but my mother always wanted to me to become a flight attendant so and and so I


be I am one currently uh already ten years flying and but I I, would say that I will not I do not regret to be a flight attendant it makes me what who I am today right now, it makes me uh a better person in terms of uh character personality


the way I talk the way I behave in public and of course broaden my mind I said a lot of things out there in the world I meet a lot of people I meet uh I I talked and I meet different uh spectrum of people from from uh domestic


workers to CEOs to directors of a company or even uh to some politician on board , it it makes me you know a better person, ya ya and of course


sorry yes it broadens my mind of course but the the bad side of this of, course being away is always links to missing all family gatherings you know but, after ten years, I kind of getting


used to it in fact as of now being this, in the this pandemic this COVID nineteen I cannot go out of this country I feel so stuck I feel cooped up in this country you know because I'm always out there even even if I'm not working I'll be out


there somewhere any part of the world and ya, I make uh I, travelling makes me , love the world even more, made me grounded in fact you know it doesn't mean that I would love to go London and Paris I would I love to go to uh indonesia Jakarta specifically ya


you get to see certain parts of the world that you cannot see in singapore, in terms of poverty and uh the unfortunate, ya yup, yes, correct yes I agree with that so describe the best movie or TV show you have ever seen and what do you like about it


that's nice that's nice as as for myself I I love this movie called PS I love you , it's my it's my favourite movie but the movie which I always cry every time I watch I probably watch it like a gazillion times already you know it's even if it's like the first scene of the movie I already start crying


you know it makes me this movie makes me appreciate the people in my life more not taking them for granted because life is just so fragile you know we don't know one day we all might wake up and


they are not they are no longer by our side, you know this uh this movie was about , the husband passed on and left the wife you know but then before he passed on he he arrange some activities for the wife you know like like on her birthday she he already arrange to send flowers to send uh uh a cake


and he also arranged he also prearranged a trip for the the wife, and the girlfriends to go on a trip and even even even told her to move on and find somebody else to love and not just not you know being sad and


mourning from uh from his from his past ya distraught passing sorry ya, ya , yes ya it's a sort of story which I love and it's a good movie that you know sometimes you just want you being girls you are just so hormonal and you want to cry over something but you don't know what you want to cry about so you just watch this movie


and you cry out you uh cry your eyes out, ya , okay what's the next one what are the three things you have in common with your best friend or partner


(mmhmm) (mmhmm) , ya ya


(mmhmm) okay, (mmhmm)


have you been to any of the concerts with them with her with him


!wow! that's nice


hopefully one day , my best friend, we love travelling but surprisingly we've never travelled before together but like she she travel with uh with her husband and I myself I travel with my mother all the time but we always uh share travelling tips


to each other for example like , for example she went that that that time she went to Rome you know italy she went to uh Rome and Milan and stuff like that and she share some uh tips and where to eat and where to shop


before I head down to, italy myself with my mother, so I we usually when we talked it's always about other than gossiping we, we always talk about travelling like oh you will know what's your what's your top three countries that you want to travel you know before you die and stuff like that which ya


I love that we are travellers you know uh but unfortunately she's already married and she's she have commitments and and we were so far we do not have opportunity to travel together I hope one day we will and other than that we love to gossip as of of course being girls gossip I was so I was


wouldn't say gossip you know I would say like catching up on each other's life or other people's life just to update ourself you know or what or what other people in our, life doing I wouldn't say gossip sometime you know gossip can be positive you know you can learn things out of


other people mistakes what other people went through in their lives and of course for the love of chocolate we went for uh chocolate buffet before, ya and because we love chocolate so much so we indulge ourselves with uh array of chocolates at this particular chocolate buffet I if I'm not wrong it was in fullerton so everything it was ya it was


from I don't know from chocolate tarts to chocolate fondue to chocolate eclairs to chocolate puff to everything chocolate you know so at the end of the day you just high on chocolate, so uh what ya ya maybe you should try one day ya so what is one place you love to visit and why


ya, correct so for me , I'm a travel junkie and I love travelling I have a long list of countries to visit before I die you know and I love I love exotic places in terms of war-torn countries you know


uh one of them definitely syria you know I know as of now it's not it's not uh I would say a place that people will travel right now you know but I do


watch some YouTube videos all these uh travelling youtubers went to syria and I, and I would like to be there one day I I know my partner you know it's against it you know I of course in terms of safety and our security


but I feel that when when you step in this uh in this kind of country, it make you feel appreciative of appreciated of what you will feel appreciative of what you have back home you can just go out at uh at what two three AM in the morning to to grab a McDonald's or to buy you know to go to seven eleven to get something but you cannot you cannot do it


in these countries you know of course there's curfews and stuff like that you know I I I love it really make me a better person uh widen my , my perspective about life and I speak I love to speak, to them to their the locals and uh


I wouldn't I wouldn't I was I wouldn't understand of course ya whatever they went through but listening to their stories it make me you know feel grounded, as a person ya ya ya uh


the three things, three things will be having a job right now as you know I'm in the aviation industry and and things are bad you know uh recently


recently retrenchment uh the first wave of uh retrenchment occurred and I I heard rumours going around saying that in march there'll be a second wave and there's so much uncertainty right now uh with regards to my job so every time


uh I've, I'm got called up for a for a flight, I really appreciate every single minute of it because I do not know whether that flight will be my last one or not yes and the second will be my mother of course


uh she she's my she's my rock in my life if every every time when I'm in doubts you know either she's always the first one I will go to you know , oh I cannot imagine if one day she will just pass on and I I I cannot I cannot I can never imagine that of course uh the third one will my girlfriends they keep me they keep me sane all the time you know


I can just go crazy with them, uh I share stories a lot of stories to them to ya if I have problems in life especially with my fiance or I just vent everything to them you know that's


but but, they they where they are going through a phase of life being married and have kids so it's kind of a bit of a little bit hard for me to meet them all the time but but every time when we meet up it's a good


yes that's right


part one finance, do you have a saving account


ya I do have two accounts as well which is from UOB which is a personal account and as well as a global current account


right, so basically for for me uh I have this uh global account because as you know uh that uh I'm I'm earning in a foreign currency so basically I have this account so that every month when I get my salary will just be banked into this account and also at the same time and so at the same time


uh with this account the bank do not have to do the exchange rate for me immediately so basically for myself when I feels that uh I need to either change some uh some currency or if I see that the currency for it if the what do you call that if


uh if the exchange rate is high for that currency then I'll just quickly go and change it ah and you know convert my my salary ah so that is why I'm doing that lah because usually last time when I was


uh having their normal account they just uh they just do the exchange rate on the same day as it went in so I will I'm always losing money on that one you know


not say every day it's just that uh whenever I feel that I need, some extra cash then I will just go over and look at the exchange rates ah on on bloomberg, (mmhmm)


ya ya I do understand that's good that's good because you don't have to you will know that you don't disturb the money in that account because that is for the rainy days so you want to save as much as you can on that one


ya so, unfortunately no credit card but I do have a debit card though because I can't uh apply for one since I'm working for an overseas organisation so basically I only have a debit card ya so how about you


ah right (mmhmm)


right


because for me I prefer having just a debit card because uh I don't like to have any debts you see I do not want to be


uh to be held against debts so basically with a debit card I always know that I only spend within my budget within my limit you see so basically whatever is in my in that particular account that's all I can spend and also I find that uh


I will not uh with credit card sometimes if you do not pay full fully you will get uh, charges on or the interest and stuff which is not a good thing instead of you know you know you overspending more than whatever you are paying for