like sometimes you don't how to say like MediSave and MediShield, is very like how to say they are quite different how to say ah I I just want to say like they just some insurance that's not really in the priority if you get what I mean


ya but it's not sufficient to you that is not sufficient


ya but it's very little what you mean is very little like you you think the government is helping you but it's actually quite little cause either you it's more you have more how to say benefits if you apply for insurance but at the same time is your own money ah


in the long run lah but now you are gonna be quite broke ah like if you think about it lah, you'll be like if you keep saving up for insurance right now you're you're already too young like to me like in my perspective you are quite I'm nineteen that is quite


early to think about in the long run if you ya, oh a different approach must eh uh eh uh I'll definitely approach an agent which is my sister I don't think I'll go outside cause my sister will probably knows


my expenses right expenses and stuff like that so it's more easier to, approach my sister like I won't even consider going to other companies ah, ya if that make sense, so ya


usually is ten percent though I don't think ya that's the usual in the marketing scheme ah it's usually ten percent, how much from your share is especially ten percent so ya I don't know about you ah


okay okay ah, do you get insurance from a single insurance provider or do you pick insurance products from multiple


so you pick multiples ah


I'll pick uh multiples oh I'll pick multiple companies cause, I think I I think it's better if you get to know different companies cause like one company may have a better savings plans but the another company may specialise in investment plans so you need to know what are you going for what's your aim for your insurance


if you know what you mean lah like I don't know if you I'm saying ya but, you cannot uh be you cannot stick to one company cause you don't know what their their strength may not be what you're looking for, so ya


I think I think my parents do that for me I'm not sure about myself because I don't I don't travel that's one thing I only travel like what once every two years, but I think my mum has spoken to me about it so I think I have a travel what's the benefits of travel insurance


like like hundred percent or, oh okay


ya ya I get it like like you you you you, that that's why you have MediSave all what


oh so you're telling me like if you got insurance like no matter where you are they will still cover for you just because you have insurance is it, oh but imagine, MediShield and MediSave means only in singapore


okay, just asking relax I'm just relax okay, , oh okay do you get insurance when you're buying a car, oh ya


ya basically anything can happen ya, , okay but among the five though like buying a car getting a property, travelling and having children


which one is the most like important to get insurance for


ya but what's the benefits of having an insurance property, ya, ya but they will never have that is very rare


oh okay no ah like to me my first will definitely be buying a car, ya like I don't cause property right it's very rare for a house to burn down I'm not saying it doesn't happen just saying this


obviously I will get everything lah but like my first, priority will be the buying a car, ya cause you don't die in the house like it's very rare like you don't get how to say , your risk is not your life and death risk isn't as high I mean you're like in a car if you know what I'm trying to say


!huh! ya they're working for you what they working for you have to take care of them, it you don't agree


I might stay at home


I'm not sure about mine though cause I had three but they probably my my parents probably had insurance for them cause you you're like they are the under your care so I think is best for you ya it probably benefits both of them so ya that's mine for that


no not ever cause, no ah like especially , just everything like the MediShield MediSave ElderShield ah is really not enough cause sometimes it just cover


not even up to fifty if I'm not wrong, like so I've okay ah but having insurance can be a hassle for some people cause you have to apply for insurance, but it's really not enough ah if you really depend on the government like, it's really not enough cause they're just helping you to pay like not even half they you think they are but I think it's best if you take insurance ah cause CPF insurance is really not enough


that's my opinion ah,


ya actually I agree cause apparently from what I heard is, err, MediShield right only covers like which is hospital bills ah they only covers sixty to seventy but I think the amount you still have to pay is still a lot ah so I think I mean if you get MediShield


maybe sixty to seventy and then if you get insurance you get ten percent so you'll only pay twenty percent, so when you think about it actually not that bad


I would say twenty two, ya cause ya definitely ah cause I think after this I'm still continuing to study but maybe I should start saving for insurance lah because my initial plan was twenty five


like twenty-five sounds a bit err, overdue way too overdue to get a insurance cause you never know what will happen lah, so I feel like but it's ya I think I'm aiming for twenty two I mean you already have right but when are you planning to take care of your own insurance


so even if you are twenty-five, so even if you are twenty five


wait you're not continuing uh you're not pursuing to your studies so you are really like working just to get a oh sorry you're really not pursuing your studies


so you gonna work part-time and then you gonna you gonna work part-time, and then you gonna get insurance is a bit uh how to say


full-time right, but I think it's a lot though


ya but if you are like depending on your part-time to pay for your own every month insurance it's gonna be hectic for you that's what I'm saying, cause I feel like whatever you work right you're just gonna give, whatever you work whatever you earn you're just gonna give it to insurance


okay uh , ya different coverage yes different coverage


ah ya but, I don't know it's a bit too early if you are working part-time to me lah it's a bit too early for working part-time I mean giving half or like eighty percent of my, earnings to insurance is a bit painful ah for me ah cause is


I don't know eh you work your you work very hard then just to give insurance just for your future, you know what I mean but you you don't even know maybe tomorrow you gonna die, just think about it lah like


ya but if you die tomorrow there's no future kids leh that's what I'm saying, I think family have their own insurance though your parents have it actually


for your future ya ya if your future okay lah maybe that's your will be your insurance ah, but ya mine is very different okay lah ya so


twenty same


part three negative experience, ya you start first describe a time where you feel like nobody cares about you


ya ya you you you start first


oh I think mine was very recent, like a month back yeah, I think mine was very uh it was a month back ah, uh I think I was just alone, like I didn't had much okay so like I didn't have much friends lah I knew my friends were fake so uh


I just felt alone lah like even okay I know my best friend were there but at the same time like, she was borderline giving up ah so I just felt like I was alone lah which, ya the way ya ya ya cause err okay cause I know I'm a bit err I'm a handful lah I know myself that so like I think last month she was borderline like


giving up to care of me then I was like you want to give up you give up not my problem but then like it was really the, moment I really felt like nobody cares lah so it was


it was it was oh is it cool shit nobody cares err okay


I would say, I would err mine would be january two thousand nineteen, ya because err talk about ya because , I was dealing with some rough


things lah and, my family wasn't there for me even though she knew what was happening, and she was she hasn't been there for me also ah but, ya I think that was the most heartbreaking ah cause when I was going through that right she saw and my my family saw everything so don't know leh none of my family members cares right it was really heartbreaking for me cause that's my


what about yours, okay why


ya nothing matters ya okay so how did you pull yourself up after that, so how did you pull yourself after that,


free your mind ,


ah, uh, think mine was very recent eh, ya I think mine was very recent cause I said something stupid and my uh he was heartbroken so I was like uh okay ah like I didn't meant to though I didn't mean to break his feelings eh hurt his feelings so like


I don't know if it was my fault lah because I really didn't mean to but ya lah, so ya that's mine ah yours


, he deserved it ah


so have you said sorry, okay lah at least you did say sorry lah


but I think until now, it's not just one person ah I think a few people has said this just I wish you were good enough I think, uh until now I don't think I will, forget I really wish to forget it lah cause, okay why why in the world will I remember I want to remember that lah but like


it will it will just it just sucky cause it's not from one person, so like I will be reminded no matter what really sucks ah so ya that's mine


that's good


okay err describe a time when you felt betrayed


uh I will say mine, I don't I think mine will be more to friends you know that kind of friends drama like my own best friend ya and my own my own best friend went to the guy that broke my heart


like as friends ah at least still as friends ah but still still considered betraying lah like, cause didn't expect my best friend to sided him instead of me cause I know I know I didn't do anything wrong so it was considered betraying to me that it is so ya that's mine


on your birthday, ya I wouldn't move on after ya but ya I understand uh, uh uh I think mine was a whole period though like I think mine was from august two thousand nineteen


to now okay not now maybe like what was what was before this what's september always, okay eh oh oh august two thousand nineteen two thousand twenty twenty !wow! it's ya eh that one whole period of like a year, was really the saddest moment of my life


like it may sound drastic and dramatic but it was really , sad for me ah sorry, uh okay what is a popular trend that you dislike, tiktok tiktok


I don't care, mainstream, no but some is good


really is interesting lah, so you don't do tiktok, okay uh ah


I would say june this year june or may at least ya I would say uh


ya may may june eh ya ya relax relax may june may june july ya I think may june july was, I really wanted to give up like in general lah it's not even just like I because I basically I almost drop out of school, , I just didn't want to like I just really did what they just wanted to


ya I almost applied I mean yeah I applied for the form ah, and, ya and my best friend chad say don't ya cause , I just didn't see the point of, anything like


how to say like I didn't want to continue studying but but I didn't want to stay home, but like if I were to drop out I would have stay home lah but at the same time I don't even feel like, leaving in general I don't want to cause I'm barely surviving at the at that point lah so I really I was just in the midst of sending in the application of dropping out of school


like I think that was the lowest lah because, I have always told myself to put my studies first like studies above my health that's always been me so for me to drop out of school it was actually quite worried worrying ah so I think that was a that was ya lah like that was the worst time ah I really wanted to give up on everything


so ya


ya lah I mean like bad times don't really last, so, bad times don't really last so there's no point giving up actually


okay what's the worst thing you witnessed and kept quiet about it, okay (uh huh) uh I think the worst thing was uh, knowing


this guy was cheating on my best friend and I kept quiet about it until now like I didn't, ya I didn't had the heart to tell my best friend lah but, there were hints lah I will be like oh you sure he's the one like I will be like you sure or not then I like like I don't really have the heart ah cause I really walk into


him doing some stupid stuff with the other girl lah but like, until now I I don't until now she doesn't know I knew about it ah like when she told me I acted or fake ah like oh my god really he cheated on I didn't know, so I think that was one of the worst thing uh one thing that I just don't talk about it so ya


like uh definitely


okay lah cause it's also not you also you know what I mean, but will you want your best friend to tell you, if your partner is cheating, and will you want your best friend to tell you, with the guy best friend oh my god this is confusing


no like okay if your boy boyfriend in cheating on you and your the the best friend knows wouldn't you warn your best friend his best friend


so you should have you told him what, okay


oh actually I don't have anything though, I don't have anything that keeps me awake I sleep quite early so like


ya let's stop stop and it's like I don't really sleep late ah like I will probably sleep by ten or eleven, ya so like there's nothing keeping me awake ah like I'll be done with my stuff by ten


so like it will just take me one hour to fall asleep like I don't let ya I I'm not ya I don't really think a lot ah I'm not ya so ya what about you


okay, oh so you don't sleep late


no like ten eleven ah same ah but my ten eleven just everyday things ah so, what is the worst eh what is the one thing that you will never joke about, nah ya


ya okay ya that one just ya full stop okay I agree people's insecurities ya, I hope I will never encounter, being in the same room as a snake


like eh like oh my god uh like it might be small to you ah like you probably will hold a snake right, like, if you were given a snake, oh my god ya I would never like if I were to in be in the same room as a snake I will just kill myself


that's the worst nightmare you can ever oh my god ya okay that's just (ugh) that's what mine then what about you


triggering okay


really, oh, oh okay


err say not to say anymore lah, , okay, to be toxic okay I okay


err I think one mine was just, I wish I was loyal back then cause I was err how to say, I was playing around lah so I will just reach ours, loyal to my, to my guys okay because I had so much people so like just wish I was loyal lah so feel bad until now cause I probably left them a scar


so uh, ya just I was I wish I was loyal back then lah, I am not lah relax relax okay I am not but okay uh describe a moment when you felt like you were treated unfairly


ya


oh you're the third child, ya that's uh but I still feel ya my answer is the same though uh, okay ah maybe not my dad maybe my mum she will treat me quite unfair lah, like the smaller the smaller things smallest things right she will really compare between me and my sisters which I don't really like cause the age gap is quite big so you can't really expect me to be that


you know what I mean that mature I guess I don't know how to say [lah] but ya that's mine [lah]


positive experience


okay, err the first question is, what is a hobby or activity that you felt happiest doing as a child ah, I used to play soccer with my neighbours like every single day after school


at the MRT ah so I think that was fun for me because I didn't really had to think much about anything like compared to now you go back to school you have to study but err last time it was really err carefree, uh, carefree time ah so like I think what the one of the hobby I like is soccer with my neighbours


so ya that's my


so wait you just simply just play at the playground for like the whole afternoon


ya lah afternoon, oh you can cycle, okay uh what was what was the best parts of your of your childhood


you scared of what scared of water alright sure


no wait so now you are scared of deep waters, not waters just scared of deep waters there's a difference, so you cannot bathe you cannot shower, same


wait but you had so what make you be scared of water, when you were like doing it every week


just to swim around ya, I think the best part of my childhood was just being pampered by my parents, cause I don't know I think, uh no matter what I did wrong they will still forgive me so like I did I I was a ya lah like I was a very naughty kid


but like no matter what lah they will still not scold me so I think I will never get that back ah cause now I'm like responsible for my own actions, stuff like that so ya that was the best part moments well whole childhood ah cause, ya I used to ya do a lot of things so ya


I think I would say for now it's just uh taking care of myself cause especially during circuit breaker I think that was the best thing I can ever do for myself I'm taking good care of myself so ya that's the best thing lah


okay lah ya I I agree okay ya you don't so wait you you'll take care of yourself more than you take care of your friends


ya ya , okay got it, err who are the people that you most cherish in your life and why, okay why


bad about yourself, uh for me it's my friends though, like cause I I'm not really that close to my family so that, err I think my friends will be will always be there for me no matter what like


no matter what stupid decision I've made right at least they will just, they won't really pinpoint me ah they won't keep it in their mind for years and then bring it up so like, I think friends, we I really cherish my friends a lot ah like to me ah to me friends over family


like most of the time I'm not saying like all the time just saying most of the time is really friends over family for you is really friend family over friends right, ya so like you cannot really ah but I think for me friends over family cause err my family is not really that okay not that supportive like I know like whatever mistakes is still on their mind and they will talk about it so like my friends just push me to be a better person


like whatever your family gives you that's how my friends gives me ah the treatment, ya, I think I'll give back a lot like I know I I think is the most common answer though but I feel that I will give back a lot like to the


less fortunate, like whoever is just struggling like I wouldn't really spend, so much on myself, cause like there's really no point on buying so much things for yourself at the end of the day you are only being selfish, like you only keeping yourself happy you know what I mean


ya if you got like a million dollars might as well just, do it on a good thing ah that's my my POV ah my opinion at least


cannot be suffering, like to have a roof over your head, okay I get it


what will it be the places like the first place you'll go like travelling


I think I no my answer I don't think I will travel even if I have the money, which is bad I know it's bad but I think, ya I feel like if if even if the remaining money right I'll probably just get rid of my clothes or something like I don't uh


uh okay ah maybe like one country but then I want to be back by like four days after travelling you know what I mean, I know ah you'll probably want to stay there you probably want to have a house there ah but, that's my


I think cause you're a millionaire right yeah exactly, don't forget to get insurance when you're there , the thing but ya lah seriously uh


I think everyday of my lives ah eh feeling the most lucky cause, I don't have to wake up and be worried about, whether I have enough money, whether the house will like, you know you know you know how do how do I say cause some people are like living life trying to barely surviving every single day cause of what they're going through like I'm not talking about emotional I'm talking about like you know some countries got war and stuff like that


ya so like I'm really lucky enough like I don't have to go out and be scared of like a bomb falling so like I think everyday of my life is lucky, , I mean eh it's been it's been nineteen years I'm glad enough then it and then hasn't in singapore like compared to whatever syria and stuff syria and some other countries are going through


ya that's my opinion ah like I think everyday I'll take it as a blessing, even though all I do is just sit at home lah but I still take it as a blessing like okay I don't have to be worried about so much things, ya that's mine


okay alright then alright mine


the basic needs ya ya I ya the ya we all have the basic needs lah ya I know


you can lah if you are a millionaire lah but you're not ah so, sad , err describe a travel experience that you're left with awe


more interesting, ya more memorable ya okay, mine is surprisingly mine is also Korea cause it was four years ago, ya four years ago and I think to me it was more special to me lah cause the only reason why we went there is to visit my sister cause she was a foreign exchange student so like


our initial plan was just to visit her and go but then we decided to stay but and apparently we had a lot of fun lah like even though we got small fights and done but it was really a, it really make me close it made me closer to my family lah at one point cause, I don't know it just my dad was different eh we eh basically when you're in a different state right you're actually quite different if you realise that about yourself


you're not like you're when you're you're not yourself when you are in a different state, ya so like it was actually interesting to see my family members being different, ya so ya


uh for mine is uh my sister's engagement I mean it's an event right technically it's a special event, so ya ya so uh I couldn't wait ah cause she was twenty three


ya so I I was actually quite excited for her like I was really it was really one of the most memorable times of my life ah cause it was a small, engagement party wedding whatever it's call okay but yeah it was really like to see her happy with his with her soul mate it was a like just soft I was I felt very like heartwarming


that's mine, yours, ya


oh so you won't go to any concerts anymore


you won't go to anymore concerts, ah, that's why you have doubts


okay can't relate cause concerts are a big thing to me, I will be fangirling no matter what


ya I understand, ah my best surprise was also, think my best surprise would I would say last two years on my birthday last ya because uh got to celebrate with my friends, eh friends ya okay say family friends ya but uh I think they really make it fun lah cause I didn't even I didn't even remember it was my birthday but like I think my friends were like keeping it ya I think uh we ended up uh eating Swensen's


and they paid for my meal lah] so I appreciate it a lot ah but I don't know they're I don't need much I just need the company and which they were they were there ah and, I appreciate it ah cause I think last two years I didn't celebrate with my family, if I'm not wrong but yeah I think my friends really made it


like a wholesome ah like I really appreciate my friends a lot for that moment the uh surprise so ya, uh circuit breaker


when I was like lowest, okay ah this one not the like ya ya you just uh emotions but I think my best friend already there for me eh like eh she's there for me no matter what but I think the period of circuit breaker uh really appreciate ah cause she kept me distracted


from thinking about stuff so like, uh we will play like games like roadblocks I don't know if you know roadblocks uh, GTA stuff like that ah we play stupid games lah but, ya I think I sometimes I just don't need to talk about it I just need some distraction so ya which she did ah so I appreciate


what about you


ya just continue


ya basically cause like you they keep advising but you still feel the same way ya ya I get it, feel bad ya


okay, uh what was the happiest moment of your life, your life yeah of your life in your life yeah


I think ya mine was when I realised, my worth ah which was also circuit breaker, but I think that was the happiest because, I finally realised, what I can do best for myself, like I don't know if it make sense but


it just I felt like a sense of relief ah like it's still happy ya like I can finally know what to do next to move on with to pursue my own my life but like think yeah that's from that's my so, yeah


twenty twenty


part one finance, okay hi Tasnim


do you want to start , ya sure


uh savings account okay I do have a savings account with DBS debit card, , Visa I guess I don't know it's just the debit card


and I also have a like I also have one of those kids savings account like in POSB that last time my parents start me but I don't really use it lah so what about you do you have savings account


uh same same okay, ya, ya


okay so uh, for me even though I had the kid's account right I didn't get an ATM card like my parents just mention that they put away some money like in that account but they didn't give me a card because there was no need for me to like spend any money they just give me like normal like pocket money right


but I think if someone was to like continue using that kid's account once they grow up maybe when, actually it really depends on the family if whether the parents would prefer to transfer money to the kid or like past them in cash my parents started when I was in


when I was in JC and I had to work for the first time so since I had to get my salary and stuff right so I got an ATM card then from then on my mum just transferred me money to that ATM card so that's when I started using it, but I think some parents like even when kids are younger they like to just like transfer their money for like one month and be like okay you spend it you manage your own finances and stuff like that so if that's the case then they can start using earlier but


ya uh as long as they're not too young to not know how to take care of it and like be safe with the money that they withdraw or like any online purchases that they make I think like any age should be okay lah


what is your


ya ya that makes sense maybe once they are like mature enough to know how to handle it then they can have their own ATM card lah where they can spend the money it makes sense ya okay do you want to go to the next question


okay uh, ya sure so


credit card I think credit card allows you to pay in instalments, ya you don't have a credit card right, no I also don't have a credit card, oh ya ya


ya so credit card , I feel like at this age I don't really have any big purchases that I need to make that I need uh like to spend so much of money like more money than what I have right now or like I don't have any big purchases that I need to make that I need to pay instalment


so credit card like at this age or like at this point in life I don't really need it so I don't have a credit card but maybe when I grew up I would get a credit card, ya I mean my parents have credit cards they use it to pay


stuff like I don't know all the gold or like jewellery that they buy they buy in instalment, ya uh, ya like if you buy like big stuff like TV fridge those kind but I have heard like some people saying it's like good to


build your credit score from young so that when you apply for loan it will be easier or something cause you can show that you have been borrowing money and like paying it off on time and stuff like that, ya I've heard that from some people but uh I don't know I don't have credit card


ya I think ya I think I wouldn't get a credit card if I, if the intention of getting a credit card is because I want to buy stuff that I don't have the money for so I want to borrow like if it's more like I want to use other benefits of the credit card like for example you know sometimes if you spend a huge amount of money on credit card then it will like accumulate points and rewards


or like miles and stuff like that then you can use it to like redeem like I don't know airplane tickets or something or vouchers or something so if I know that I have the money to pay off and I'm getting a credit card to enjoy other benefits that I get from it then that would be the correct intention if I don't if I'm getting a credit card to


so that I can get money that I don't have, then I shouldn't be spending since I don't have that amount of money then it would be hard to manage cause then I will just like I wouldn't really have the discipline to , like stop myself from buying whatever I want at the point


ya so what you said makes sense [loh] , okay , ya , student loan lah study loan it was my first loan tuition fee loan


oh ya okay,


okay, (mmhmm)


(mmhmm)


oh okay, right , oh so private one was like harder to get lah, get okay ya I don't know I didn't really look into overseas loans but


only like the tuition fee loan and study loan wait do you take study loan, but you're going to stay in hall from next then are you going to pay, or just going to pay it off on your own I don't know where I mean actually right after I apply they still haven't uh given me the study loan amount that I had to pay deposit on my own


, ya, I mean it makes sense okay last time when I used to work in UOB, , for loans itself like the paperwork used to be a shit ton of stuff like you need to give especially housing loan or like other kinds of loan not like student loan


if you are not singaporean and stuff then you need to like find a guarantor and you need to give like a lot of proof that you'll be you'll be able to pay back the loan and stuff like that so it's a lot of like processing and, there's always changes in interest rates like cause for housing they pay from like the day that they get the house right so


ya then sometimes the interest rate will like increase or decrease and then like depending on their package it drops and then like ya so it's super complicated like it's very hard to keep up with like what's going on cause they only give like a annual


statement they don't give like monthly statement for you to know like oh in the month this month uh my interest rate changed or stuff like that, so so ya ya it is super complicated uh tuition fee loan when we applying they ask us to bring a lot of stuff right


okay so next question, ya I don't know that is so subjective if you ask my parents


they don't have a joint account but my mum just transfers like her salary to my dad and then he pays the bills so my mum handles like groceries and like day to day house stuff then my dad pays all the bills from his card, so my mum transfers like most of her salary to my dad then he just pays off everything


no they don't have a joint account, no they just whatever money that is needed to pay the bills my mum will just transfer to my dad and my mum also I mean my dad also has a lot of like credit card bills but my mum doesn't have a credit card so like


whatever that we need mostly my dad is the one who will make the purchase using his credit card then my mum will just transfer him the money lah then he will pay I don't think they have a joint account, I think maybe if we are planning on like putting


aside like a percentage of our salary to save or something then I will have a joint account, you know like for example if a couple is like planning on putting off like twenty percent of their salary every month to save, for whatever that they need it for then they can have a joint account lah so both of them just transfer like twenty percent of their salary into the joint account then they can like pool the funds there ya


(mmhmm), ya


, ya ya, ya so you should , ya you should you should ya it makes sense lah because


you shouldn't have a joint account then you just spend all the money right, ya you what you're saying make sense also ya so I think when it comes to saving it's okay to have a joint account do you think they should like you know do you think, couples should have a account where they put like some money to pay the bills or do you think like it's okay like what my parents are doing I just transfer the salary over to my dad


, ya ya, so okay so then the joint account will be used not only for savings but for like bills and, savings so you after you pay off your bills whatever that's


ya but it's like it overlaps a lot, you know like, when you go and buy groceries and stuff like that it's for both of you, but it cannot be like okay but ten dollars I'm buying something for myself so I'm going to use a different account to pay for the ten dollars you know it's like complicated cause a lot of things overlap so ya I think it'll be really difficult to like


decide who pays for what and what should be taken from the joint account what should be paid like on your own and stuff like that, ya okay what's the next one


like save separately, I mean if you're saving for, ya especially if you're like saving I don't know for your kids or something like for your kids education then it's both of your kids right so it makes sense that you save together


and assuming that you stay together forever, , I think if you save together for your retirement and stuff like that it should be okay, right


, ya, ya but I think sometimes right you can start a main account then you can get like


sub accounts, in the main account itself then like each person can get an ATM card from the sub account then usually sub accounts you can set a limit as to how much you can spend and stuff like that so maybe you can do that, ya so you can


ya credit cards also I think you can do that so you can set a limit and then maybe you just spend till that like you just have one main account and then like sub account holder, like the card that you use can have a limit depending on how much you need to spend lah I guess I guess that could work


ya or maybe you can just save from the beginning like, I don't know some people like to go, overseas every year or something , at the end of the year if they want to go on a vacation together, and then they can just like save a bit a small amount of money so that they can spend it at the end of the year and stuff like that so I I think


I think it's better if you just have, maybe it can be like you have, joint account for savings or something then , the duties you just split among the two partners, like one person pay bills and then like one person


do take care of other stuff or something then, you don't need to like, have a joint account to do it I don't know, maybe one person pay like electricity and water, then the other person pay gas


ya ya so only keep the savings left in there ya, ya okay lah okay wait there's only like twenty eight seconds left, do you want to like what the next question ah


insurance, I think I have I feel like my mum signed up for the NTUC family thing so the family's insured, ya but I've never really used it before so I don't really know like what is the coverage and stuff like usually my parents just use like their corporate insurance like the one from their company ya


part three negative experience, (ppc) okay


it is really annoying


like actually, okay what is my, what see oh you really hate that that's it ya


so are you targeting it at someone , really, ya true true true


ya true, I mean I do take I'm like that with like, almost everyone like I take a really long time to reply, ya okay I will try to change this


okay I will try to change that , okay uh my biggest pet peeve, , people who are unnecessarily rude, like


nothing would have happened and they just like have to snap at you or like make some like snarky comment for no reason or like, when they are like rude to the waiter or like just random strangers for no reason, ya


like so rude


what the shit, what the hell that's like too much like


okay ya that is really annoying ya lah what else is annoying, what yes okay talk about it


ya, that's so rude gosh,


like worse travel experience, uh any other question


but I don't know all of them are so deep, oh, maybe my greatest fear


I think what death no I mean it's more like, don't know how to explain,


ya losing someone I love, , uh no I don't really have those kind of fears I just have this fear of like, like dying too early


like without experiencing everything that I want to experience, like not living my life to the fullest kind of, like I always think like if I die tomorrow will I really be happy with like the kind of life that I've been living, or like the things that I've been doing ya like


it's not that I'm scared of dying, like I'm it's not that I don't want to die and I want to live it's just like I don't know I just don't know if like, ya I'm so scared of dying like without living my life with some sort of purpose or like at least living my life to the fullest


ya I guess that's my fear what's your fear, ya it's kind of hard to think of what phobia do you have the many holes that one yes


, , any other fears


ya true ya I can't I like I mean if you ask me what I don't want to do what I'm, scared will happen would most probably be that but it's not like, ya there isn't any like major fear that's really big or nothing


okay what question should we do next, just assess of the word, I don't know there's just so many,


I just feel like, inequality in general like there are so many group right, right I don't mean like different races or like


marginalised groups or just women in general or like the LGBT group as community it's like I feel like many of the communities that I'm part of have always been like marginalised or like, criticised or like hated against and like that just makes me feel so angry because like


like we are not, ya like, exactly and, it's not that difficult to just accept, people you know, like no one did anything to harm anyone


we just all being ourselves trying to live our own lives, and like people get hated for that, and like race and stuff like that it's something they are born with like


ya, ya exactly


ya I agree I agree, , exactly like, it's like as if they forgot that they're supposed to be serving the people


like that's their job that's what they signed up for not they just do whatever that they want without considering like how it affects like the general public


yes ya exactly, ya ya


ya, it just looks like nothing is, like there's no such thing as being fair or like, just


please we do another question that's like a, , okay , oh what is it


no I don't know this one, oh right right right okay


yes I'm like oh my god, that is so depressing, well that is so depressing


what movies have you seen that make you cry in sadness, I feel like recently I've cried more like last time I never used to cry when I watch movies, ya but, recently I feel like almost every single movie that I watch that's sad I just cry


oh right the ghost ya, ya oh my god that was so , I think ya that was bad ya but no last time right no matter how sad it was I never used to cry


like I just used to be like oh my god that's so sad the next question but now I cry for literally every single sad scene that comes so and so but okay that's not the point , I guess one scene that I remember that I used to cry last time when I never used to cry I think it was #deiva thirumagal#


that scene in the that's it oh no it's damn sad ya ya ya the one where they do the the they do the hand thing and like to each other oh my god it's damn sad dude oh ya


the father right ya oh my god he's damn sad, ya


, ya oh my god that movie was horrible it was damn sad


okay should we do another question, what, ya ya


I don't know, I guess we can do that question you know what describe what you dislike about the younger or older generation


, like as in they want to get into the


ya I think even our generation already quite bad [loh], and as they get young the other generations like they're just getting worse I feel like they're they're getting exposed to everything so early like Kavya


I feel like she knows stuff that I knew when I was in secondary school you know ya like and she's P two like she talks about boys, like she talks about boys cute boys and she talks about how boys like call her pretty and stuff like that then I'm like what the shit I used to get bullied last time oh no I shouldn't have disclosed


ya but I used to get bullied then I became a tomboy it was like a defence mechanism so then all the boys were like scared of me so it was like first they hated me and they bullied me then they hated me and they just didn't disturb me


so they just hated me throughout but then Kavya has like boys calling her cute she's in P two and like, what else ya and she just uses tech like too much she doesn't even know half the cartoons that we used to watch like some of the really nice cartoons that we used to watch and she doesn't ever


ya ya addicted (hmm), ya no it's like the moment the baby starts crying you just hand the phone or the iPad to shut it out ya it's like that's why


ya exactly I've it's going to end already


part two positive experience


okay what are the okay what are the small things that make you smile


what do you mean by kind things what do you do


ya okay ya that makes sense, cause like you make her happy so you felt happy, oh that's so deep I was going to say like ice cream


ya ice cream I love ice cream, sales yes and free stuff makes you happy, literally


if if like you see there's like some freebies available you like bro there's a freebies !huh! ya basically food, ya I mean who wouldn't want free stuff right it makes sense


ya ya ya ya, ya it is and sometimes you know like you have those vouchers


then you you take them out then like oh wait I have a voucher then it's realise then it's like shit it's past the due date or like the deadline, then like I feel so heartbroken, like I'm like shit I had it in my hand and I didn't use it, like I could've gotten this I could've gotten this thing for free and then I just missed it ya makes sense lah


where's that question from oh what is the proudest moment of your life I'm not sure okay you go first,


true, ya actually O levels they I was pretty happy also ya I was quite happy also O levels too


maybe mine also I don't know, I don't think I've had any definitely like proud days like I can't really recall feeling very proud of myself or like so happy but I think ya O-level results made me happy for that day


(mmhmm)


oh , ya obviously you're so good at designing and all the arty arty stuff you, faith


cause you keep embarrassing yourself legit though okay, in life


I am grateful for, I guess my mum cause she takes care of me and, you know I'm a bit irresponsible so ya I don't know what I'll do without her also like literally I'll be so lost ya what else I'm grateful for Banja


cause like legit and you yes you're right better for you of course ya I'm grateful for Banja and you yes, cause you do such things with me and ya we study together we eat together ya and ya lah basically friends and family and I'm grateful that


how to say the things have been pretty okay, like, I feel like in some points in life like when I look back I feel like things could have gone in a much worse direction, but like for some reason it just like


I it just didn't go that way it went like I don't know even though at that point I felt like super sad that like that thing happened I feel like, things could have gotten much worse if I got what I wanted and stuff like that or like if something else different have happened so I feel grateful like during that those kinds of moment ya what about you


ya , , from in like SJC uniforms hang out at void decks ya


what do you love most about yourself, sorry what do you say what do you say


ya right


hate, yes okay bro what do you love most about yourself


, like you know when to separate from


but that's what you love about yourself, that you, that you take the effort to do


make sense okay,


I guess I like that, I'm quite carefree, like like I don't really take things that seriously so, I like that cause I feel like if I take everything seriously then I'll just get damn stressed and like like and ya and


ya I think you ya I think you'll get a bit more stressed over small things very easily, ya


, ya and that makes sense it makes sense it's not that


ya I think I mean I understand what you mean by like you need to put in your best for everything obviously that should be the way you should try your best in whatever that you are trying to do but some things you can like take it a bit easy you know you don't have to stress about everything like


things will fall into place you don't have to worry about it because like even if you worry somethings you just cannot control you know you already putting in your effort but like worrying is like giving you extra stress so you just like just, even if you are worried about it just okay acknowledge it and then be like


okay I know that I'm worried about this but I can't do anything and I'm already trying my best so I should just like let go of that thought and like go do something else, ya something like that ya so I guess that's what I love about myself


ya but I feel like you became, I feel like you became a bit more serious after secondary school though like after JC, like compared to secondary school ya that's something that me and Priya have noticed also like we we we feel like you became a bit more serious after JC


ya legit no really


favourite movies and shows oh uh shows, I'm obsessed with vampire diaries and the originals, like I've watched it a thousand times and I cry every single time, lucifer ya I like lucifer but like vampire diaries just hits different I don't know there's something about the drama that like the characters


I love the characters and like I'm super attached to them and like even though I watched the drama for the tenth next time, when the same scene come out I'll cry like shit ya no bro I have definitely watched it more than ten times, like easily


more than ten times and original also, oh wait the, ya they do that they will fan getting over for awhile right, oh my god ya some some movies are just so nice and the characters are so nice I don't know


remember there was there was also this other actor that you were so obsessed with who like the, the one that I kept saying he looks a bit ugly


no no no no that guy's okay that guy is from jane the virgin right, ya I mean the some other hindi dude


!wow! he goes and takes her out ya right the lecture ah bro no no no no right


ya ya ya, I think the #fawad khan# or whatever his name is yes the one that I said he looks quite ugly and then you got offended, no he he doesn't really look that nice


should we be talking about this oh yes the bollywood bollywood is amazing yesterday only I watched Padmavati, no


I didn't watch bro no one told me that it's such a good movie and also, like exactly, bro but which movie is she not pretty in like seriously, Deepika is gorgeous like okay so after they got married


Ranveer and Deepika, I was watching all their interviews and they were so cute like genuinely so cute Ranveer is like in love with Deepika okay and then I was like okay so I have ya obsessed you know like for a fact and like ya so I was like I have to go and watch their movies so I was like I have never watched any of their movies


really meh,


really meh even in secondary school I was a bit more emo, really


I guess I don't know I mean, ya but in JC I did loosen up a bit because of certain reasons and I wasn't really like focusing that much on my studies and then I guess that made me like a bit


I don't know like less like ,


yes yes that I did I loosened up two months, that's what I felt like when I was doing A levels also, ya so


so when I had the chance to loosen up, I loosened up like it was so hard to go back damn, I see


like, in singapore overseas this one is like one country you like to visit oh, okay , a best friend bro so I'm supposed to say three things that I admire about you


I admire that, you have like very strong morals and you stick to them like no matter what like you have like, how to say like you are grounded and you have like a you have like strong morals lah you don't like deviate


from it no matter what , I also, like that you are very hardworking and you always like do your best to get what you want so ya I like that you are super determined you won't give up and I also like that you are very funny


you're the funniest friend in our in our group ya so you are the you are the like clown in our group so that's damn funny ya


you have twenty second it's rapid fire go


(mm), okay (ppl)


part one finance, ya


so Madhu like do you ya sure, you want me to ask you I ask you like certain questions lah then we can go up [orh] like that, so do you have a savings account and what you kind of credit card or debit card do you have


ya I have my savings account like a debit card ya, it's POSB also, so like you mentioned that you used to have a, a kid's saving account right then


what according to you at what age do you think a child should be given an ATM card to manage his or her own bank account details finance


I think I would differ in terms of like, that part cause I feel like, I started working my first job I got my first job when I was sixteen so I was like quite young and my first salary was like credited to my mum's account, and I didn't get my uh debit card until I was eighteen


so two two years after like my first salary's lah then my mum created a, a card for me then she put the salary in there then that was when I started to manage my own finance and, in a sense be more independent because I was actually thinking about this earlier today when I was looking through that question then I felt like


I was co-relating it to when would you give your your child her first phone right, so I felt that if you were to buy your child a first phone at about, I think that one also depends on the parents lah but then I got my phone at, fifteen sixteen so I felt that that age gap was okay cause I'm getting used to having a phone and knowing how to manage it so similarly to like a bank account you know you need I feel like you need a certain level of maturity to handle your own finance and your budget like


like you mentioned just now that uh a lot of I think working adults like parents right now like in singapore especially we just, transfer money and expect the kid to be able to manage his or her finance well right and I feel like that, wouldn't really turn out that well


especially for really young kids because they may just be so lured by the big amount and spend it one shot you know or that might like you know divert them into like the wrong path that were something like that, so I feel like for social concerns and like family welfare, maybe a slightly older age would be better


so maybe we can talk about the credit card versus debit card, and you know is it the credit or debit card that allows the instalment payment


ya I think it's a, I don't have a credit card I have a debit [orh] so I spend out of what I deposit lah, so what are your views on that


like, ya it's it's I think I feel like credit card it's like for all those reservations that you made and for instalment payment


uh okay, I feel like even if I were to grow older I will just stick to a debit card cause I feel that, I want to nurture that kind of like discipline in


planning my budget and I just don't want to like use a credit card cause, it's like a loan that you take from the bank right so you can like spend how however much you want but then you have to pay it back lah but then at that moment at the impulsive moment you are so like you want to make that choice and I feel that that wouldn't end so well for me


so uh


so like have you every taken a loan, ya same ya same actually like I've, apart from the tuition fee loan I actually enquired for


overseas education loan before also, eh ya it from like a public bank and a private, uh money lender also like a registered one ah, and I actually kind of realise that


like like public banks like I went to OCBC because OCBC is good for, for err student overseas education student they are known for that so I went there and, I think I was quite impressed cause they said that


there are different schemes you know like there's one self finance scheme and there's one like uh your parents fund you and then there's also one like uh some other mixed scheme or something like that and I was quite impressed by the end the maximum loan amount is like ten times your parents or your your monthly income or something like that


ya, and it differs like from bank to bank like the private one I went for was like six times, this one was like ten times ya, ya


no I didn't take study loan I took the student tuition fee loan, I'm not very sure


okay honestly I think school, because I know it from school you know it's not from a bank, so the way they process it is is their is their own timing lah but I feel like generally banks right like uh DBS is quite fast


in processing it's like two weeks or so lah, but it's quite troublesome it's quite Mafan in the sense that you have you have to bring a lot of like documents and it's really like, tedious it's tedious work I feel like bank work in general is quite tedious


, ya


ya, no but I think tuition fee loan is one of the easier loans lah because automatically when you're a student registered in a school the process is more, rapid like it's more streamlined compared to other loans like if you want to talk about car loan or like housing loan like all of that you have to bring in like your employment stuff you know ya I mean I think we'll know more about that when we get there lah


so do you think couple should perhaps have like joint accounts moving on to like the next step


so your parents don't have a joint account


do you think you would have a joint account


, ya same


I was thinking of that also cause I feel that ya pooling is quite important in marriage I feel especially when you choose to you know do things together and stuff, but then I also feel like you need to have your own account to do your own things because I feel that it is unfair on like your partner if you are someone who has like really bad shopping habits you know then you just spend everything I mean like drain the money also so like


I think it's better if you keep your own percentage yourself ya,


I think it depends cause like that if, I mean I felt that what I would do is like from the percentage right that I'm transferring to a joint account I'll use the funds from the joint account to pay for the bills cause it's not just my house mah it's it's his it's his house also you know ya


ya like stuff that you do together in a sense


, true, true true


, I think it's each to their own lah like whoever wants to however they want to work it I feel that for, miscellaneous finances right like like groceries and uh bills loans and all those things like I would put it in the joint account and


maybe savings I keep in my own account and, I'm not very sure actually, I feel like it won't it will make more sense to to save together right


is it possible to have more than one joint account, then like that it can help to organise things but honestly in reality I feel that there's not much organisation done to it lah


ya ya I think that's that's for savings account, I think I read that somewhere


then ya maybe then maybe I'll do that then the joint account is for all those things, then in your own account itself you save and you split your your spendings also and if the other person you know is in need of money or you want to save together or something like


like, close to when you want to have a kid then you probably can create like a like another account or something ah then saves together


oh not like, perhaps maybe can maybe can credit the salaries into one account then settle everything all the miscellaneous things then credit the the percent a percentage of it to your own bank account for your expenditure then the rest will stay in there


can do that also, the joint account ya, you want talk about insurance do you have health insurance I feel that you have


ah okay okay


(mm) [oh] ya for their companies right ya true


part three negative experiences


so let's start with the biggest pet peeve actually I was thinking of this on the way, to my house today and I think, slow replies and people who walk really slow are like my biggest pet peeves


yes it is very annoying, I really hate that ya, I said I really hate that ya, and honestly like slow replies have been getting on my nerves recently


yes you also and also my this other friend lah like I had to like double triple text her about something something that's important okay and then I was just really annoyed like why do you even have a phone


you know it's like


uh that gets me annoyed sometimes also, ya what about you


true ya, ya, ya right no they think that they have the right to be rude to a waiter because she's serving or like she or he is like serving you you know


that is so mean, like towards construction workers also like, like, like that day when I I saw this uh auntie like what she did was that she took her umbrella okay like the long one I think she Cup her seat eh, like she Chope her seat when she was entering like the bus she was near like the ticket ticket uh the machine there and then she Chope the seat the guy was go will sit and she just just Chope it and then she was like you go away go away or something like that


then I was like that is so like mean man, okay and actually I can talk about my worst travel experience now


like once right I was going home from I was studying at like the airport then was going home, then this I was with my my cousin lah then, cause, like this couple they wanted to


sit together and then my uh, so so the lady sat beside me and then my cousin so there was a reserved seat here two seats here and the lady sat here, so what I did was that my cousin and I we moved here so that the husband can also sit here lah then I okay so we actually let him sit with his wife right


then he was like, he started scolding me eh like he ask me like, why you cannot decide where you want to sit one, why you must keep moving here and there, then I was like, I moved so that you can sit, then he was like uh


if you don't know your if you can't really make up your mind or something then don't sit here lah then get out of the train lah something like that then I was like can you please speak softly and nicely to me everyone's having a hard day right it's not just you, then he was like who's having a hard day did I say I'm having a hard day maybe you are the one having a hard day then he kept saying that like then I just got off the next uh station I was super angry


and honestly it was a day that I really I had a really bad day, that he was like being so mean like unnecessarily mean like I actually tried to offer him a sit so that he will sit with his , like wife, and that one and like I feel that like you know sometimes you see like


older people and then you think that they are in need of seats so you get up and you give them the seat but then they're like you think I'm very old is it !huh!, what makes you think I need the seat because they're so defencive about like their age, then this kind of situations I don't know lah, it's damn annoying especially trains


what about you, or any other question lah


what is it is it death


is it dead or something, losing someone you love


is it is it to do with feelings or is it like, like claustrophobia trypophobia or something like that


honestly same ya I think about that also


I don't know if I have a fear actually but I have phobias, because I don't I have the trypophobia thing ya the holes thing, I've had it like I don't know since like super young


I used to think I was okay honestly I feel that if you if someone places me in a fearful situation like throw me in the in the middle of the ocean I'll be obviously be scared, you, I mean if if such a hypothetical situation happens then I'll be scared lah but other than that I don't really think of I can't really think of something


so what are some injustices of the world that make you angry


ya true


you feel that the society should have place for everyone right, ya I agree with that


ya, no honestly right like, ya like I feel like people just have so much of hatred in their hearts and they don't know what to do with it because like something like some injustice could have happened to them and that caused them to have like like a build of hatred in themselves and they want to express it on someone else


and that's what I feel it's actually happening all over the world because there's just so many things is going on right like so many negative things like you open social media now it's like so bad leh like literally like every, ten minutes once or like everyday there's at least like three bad things I read


which is damn sad lah like honestly like, ya [loh], and I feel, and I feel like something like for you it's like, inequality right


I feel that's for me it's perhaps like, uh poverty, like, I was actually talking about this with my friend and he said that, what if the world like functioned in a way where everyone could live


according to their needs and not how much money they have, you get what I mean and that goes really deep and like it's like, if you are a family of, five like six or more, that means you would get a house


to cater to what your needs are, you know you or, and it won't be determined by how much you can, afford, or like how many rooms you can afford or whatever something like that, because I watch this video like I actually watched it last year


and I still think about it until now so I think in the philippines right they eat this food called the, pag-pag which is P A G P A G lah so what happens is that there's this guy like he wakes up at four or five AM every day and he goes to like the garbage dump and he picks up uneaten food


food that's wasted, so he collects them he washes them so it's mostly meat he collects meat mostly chicken and he collects the bones and he collects the meat then he washes it, from the garbage dump ah he's collecting it from the garbage dump he washes it he cooks it


and, he distributes it to he the slum people and people actually know that this pag-pag is from the, the garbage dump and they still eat it because they don't have anything else to eat, and I watch that video and the guy said that


this is my favourite food like I will do anything to eat this and, I know that this is my life it's going to be like this and I enjoy eating this and I was just like so dumbfounded when I heard that cause we are just so blessed you know like we don't see how blessed we are


and we just have so much like if we're able to like sit here and talk to it is technological devices you know we're able to afford them that also it's like a really great blessing lah, and I feel that we have so much in in access we have to just give


like give monetarily give in terms of love, in terms of support terms of voice, I think that's what makes me angry and especially like


political issues, like I feel that a lot of world leaders aren't doing what they're supposed to do, trump , ya


the workers party guy like he said that uh, like in one of the the I'm not very sure like what do you call that uh I don't know lah I don't know what you call that but in one of the meetings like he said that he's not here because he desired power he's here because he genuinely wants to serve people


and that was like so true because I feel that when you change your your intention and your, your purpose of doing certain things right that a lot of things will become more fruitful like the effect or like the impact of it, like I feel that a lot of world leaders you know they do things because they want to stay in power and because they want all maybe the world


and that's why they target like the more vulnerable countries and they force civil war into them, and this you what you call it civil war but then it's actually not civil war like a lot of other countries like all over the world is helping them because they they sell weapons to you know whoever's like attacking these


and this makes me really angry lah because, they have nothing like just because of your greed to dominate the world and be in a such a powerful position, you are doing so much of, injustice and mean things to like you know others


that's just like so, makes me angry, , ya, definitely lah I mean, life is like that [loh]


it is you can never get, you can never fully get what you wanted, like one way or another, you going to lack one or two things you know and you have to make do with it you have to make peace with it ah, ya


ya can, or let's talk about the movie scene that made you cry in sadness, I feel that I already have one in my mind


like in Neerja you know Neerja right, it's this air hostess person I did a presentation on her, in secondary school #neerja bhanot# air hostess who sacrificed her life the hijacked plane


ya, that when that was like made into a movie and I cried when I saw that, and then I cried during Mune, and then right when like I know she was gonna that I know she was gonna kill himself I was so sad


ya, you eh


ya , you know when we went Aranmanai for your birthday, like I, like I during two or something I think two or three I don't know I actually cried


that I cried when they were going to kill the pregnant lady Hansika, I cry so much ya, because the dad itself was going to kill because of like you know prestige issues I which just felt so sad ya


it's good I mean that means you are more emotionally sensitive


oh ya ya, it's that court scene right ya that is damn sad, , no I also cried when like like the the lawyer will uh cross examine uh


the ya the father, and he will be like struggling to answer because all that he wants to he has to give is just love you know like he doesn't know how to answer any of them he can't practically help her survive but all he can give is love and that ourselves is so important and I don't know that that scene just made me cry so much


ya okay you pick [loh], probably one last one


probably the last one


oh (hmm), younger, I dislike that they are so love sick, as in I just feel that


they are so love sick they just think that everything in their life right now is love, and they don't even know what love means you know it's like it's just puppy things and they just want to do it cause their friends are doing it and they think it's cool, and I just feel that they


ya but I don't know when, ya true, ,


ya true, !hey! I I relate to that, , that's so cute


!wow! ya, you used to be tomboy


ya honestly the another thing that I don't like about the younger generation is also the, the fact that they're so technologically advanced and addicted, and I will blame their parents , I would blame the parents I feel


they just give the food you know sia, ya, it's like you give birth for what to shut the baby or you want to raise the baby


part two positive experience


so Madhu, what are the small things that make you smile , small things that make you smile okay honestly I felt that this entire week, okay this is quite irrelevant to the question that you ask but then I felt that


I have been spontaneously doing, kind things and then, I felt really good about myself, like,


like yesterday right, what I do, I did a few things yesterday, so I remember one thing, so right like a few, like people they came into like the train then I think they wanted to like sit together but then the the thing was like


like what was it it was a very weird dynamics okay like people were like seated like really weirdly with like spaces in between then I think the girl was like super sad that she couldn't sit with them then she was she was making this sad face then, I swap seats you see for her so that she could sit with her friends then she was so happy then I was like !aww! she's so happy then I felt happy


ya, ya I mean obviously I had ice cream today also made me happy


oh sale like like shopping sales make me happy too, ya free stuff makes me happy


, ya I I guess that's just like a secret auntie inside me you know, and honestly I'll feel so sad if there's like freebies and I fail to take it and it runs out


you know like like, I feel like the freebies are created for me to like you know actually go and take it like it's created for me


ya that's quite sad, so, what is the proudest moment of your life


proudest, I felt that it was O level results day, I felt really proud, I felt so accomplished


ya I think that was like, ya, I think that was my proudest, it's a pretty unforgettable day


ya, actually recently like a small thing right they maybe me feel pretty, proud or happy was like my CCA things like, they appointed me as like the


designer for their website, and then they took in my my sticker designs for the merge then I was like oh that's nice


ya okay honestly I'm a bit awkward also lah like the CCA people , , ya that's true too


what are perhaps three things that you are most grateful for in life


same me also ya


I mean ya I'm grateful for my mum definitely, and I am grateful for, my cousin Tahira cause we literally like grew up together and she's like my second mum you know


ya, like we share a really deep bond ya it's quite indescribable and I'm grateful for, my close friends lah like my go to friends I feel like really just people I feel like in general things that I'm grateful for in life


ya, like for example like, like you and me right like we've known each other for like six seven years now then, it's a nice story to have I feel like


like let's say I was just thinking about this yesterday like, like if, one of us gets married then we have like this set of bridesmaids and you know then you are like so emotional there you're thinking about you know how far we've come in life , then I just felt like that was so nice


ya to that wedding dress at that moment, then I feel like it's nice lah like, you do things together you graduate together you study together you go through the entire you know trial together it's like you do things together in your you constantly wish the best for everyone you know so it's like I feel just feel like it's a very pure and genuine bond especially with close friends


ya think that's what I am grateful for, but then actually I also like, !wah! I was also going to say like something along the lines of what you said like you're very happy that or you are very grateful and glad that things didn't go the wrong way right like a lot of things have got might have gone the wrong way but then


it didn't like that's why I feel also like when I look back at my journey from like two right, I wasn't even then I'll I'm just like thinking of how I've I mentioned not even supposed be here cause, like in two I wasn't even in the class that I wanted to be in I wasn't even doing the subjects I wanted to do and it was by it was by luck and by


really by luck that I got into the class that I wanted and really by I don't know like, I would say, destiny you know


okay honestly this this entire is being more like like the the negative one , we should talk about more happy things, what do I love the most about myself I love that


I try to okay recently, I like that I'd like to spend time off, the internet or like technology, you know


I think that is, and actually timed myself like I set myself screen time, so like ever since I felt that I was using my phone for too long right I use this app called stay free


and it helps me to like, like let me know like how long I've been using this app or how long I've been using my phone so if I'm using my phone for like three hours or more right then, then cannot lah GG I cannot use my phone for the rest of the the day until like I before I sleep so I feel that that's a thing that I want to cultivate in myself and also like in my family you know


ya, ya I like that about myself, cause I feel that especially in that in that ya, I think okay maybe that's the concept like when I want to do something I put in the effort to do things ya


and I like that I'm very funny I like I make myself laugh sometimes what about yourself


ya you are, I should work on that I feel like I should work on that


right don't you think so, ya cause I have this like I underlying like this principle that I'd like to live by right like I just want to give my best in anything that I do and be sincere you know


like even the smallest of things, then I just feel like it's a bit silly you know like, no need to waste so much of effort for something that's so silly lah


I think also because, ya I I used to be like that also until like up to, secondary school, three then I was like, legit serious person already , right you know right


oh really


we shall talk about this, so how about, you talk about your favourite, movies and shows since you said your hobby is like watching dramas right


is it the lucifer also, the lucifer one also right


tenth time, I watched Malang ten times,


the #aditya roy kapur# one, dude I'm still fangirling over him, ya like, ya like K three G I feel that


I lived in K three G, , like I deserve to be in there man, justin baldoni ya


no but you know the thing the thing about justin baldoni is I don't like him for his, work like I really like him for his work because it's very like socially impactful and genuine work you know like his five feet apart and all like it has a social message which is good lah and it's like and


how do you say it's like a concept of ecocentrism but then in humans, you get what I mean right ya, wait who are you talking about


ya I did finally like last week before the test I went to go over everything it's honestly a interesting interesting mod ya a pretty interesting mod, wait which who which guy we're talking about


#fawad khan#, he's so good looking, oh my god you're like blind, please, but anyways, stuff that I like is bollywood bollywood and bollywood


before that you never watch ah, are you kidding me


oh my god dude, she's so pretty in there like she looks like a doll, like she looks like she's like, ya right she's so pretty


he's like obsessed, you know I feel that you became like a more like happy person, after secondary school


and JC, like now I see you like ya I can see that you're more carefree and you're more happy, like I don't know like you just happy like it's like you give me the vibes of, I have no reason to be not happy that kind of thing


ya you give me those vibes, no you were like strict like you were damn in secondary school, ya


cause I think you were very focused in studying you know


ah I think JC life is just very like, balanced like they they kind of like teach you how to balance your things like you should have study but you should also have fun you know, I think JC kind of like cultivated that lah but then I think I I loosen up a bit too much in JC so I'm now I'm trying to like be a bit more serious


cause we were so like strict you know like in O levels you remember us like we were super like Chiong


ya, , I get what you mean, so what is one place you like to go, oh let's skip that question I don't really like that question let's let's answer the what are three things you admire about your best friend


me, ya


ya I'm the clown in every single group in every single social group I'll just make it a point and embarrass myself okay chop chop hurry up three thing I like about you admire about you, I admire that I admire that okay I honestly I admire the bond that you have with your mum and your family in general because I wish that was something that exists in my family and something else that I admire in you is


you don't judge and you are super like receptive like anything that I want to say, and the other one I'll tell you later in person (ppl)


finance, now we talk about finance so okay we talk about banking finance lah !huh! (ppc) before the COVID and the after the COVID I see


uh the uh the rate is terrible right now compared to the COVID last time last time it used to be I think for finance loan interest is


I think three point eight I think three point eight eight as at uh february at as at january and february but now uh after the COVID the after the pandemic right


so I I I wish that think it would go down but instead it go up you know the interest is five point eight nine five point eight eight or five point eight nine percent


no it's not it's not interest it's it's not it's not lower it's going getting higher and higher and even not not even uh banking you know is, housing loan investment even insurance is more more interest now compared to the pandemic time


policies uh ya ya but but still they they it more more things to cover now and more more to pay


right you you you agree with me


ya the interest is high the interest is very high high and some and and at at this time at this moment of time right a lot of people applying for the interest, and uh uh I mean applying for the loan maybe to cover some of the things like businesses some investment or to cover up for their loans like say uh for your uh house loan or for your uh what what


whatever things ya car loans or renovation loan or something like that, but now the thing is it's going up so I don't know uh I I don't know what is going on right now so it's like like it's very scary to see the rate jump up how many percent two per cent you know


compare like like I see last time when is on january or february, it's three point you can at least, take about three point eight, three point eight or three point six five, but now it's five point eight nine it's totally !wow! it's a lot


it ya ya but it is it is is not advisable it's not advisable but sometimes this this COVID right happen nobody expected so many people uh are in a job uh loss


uh maybe pay card or something like that so so many things to to cover so many things to to to settle, and so that's why there's no there's no choice, some day they even I myself went to the uh to the bank I enquiry one of the bank I think I went to two banks one is in Maybank and the other one is in Standard Chartered and the loan


the loan rate for finance is, totally unacceptable and they cannot low down you know and it takes about like in they can stretch until five years but still you five point eight eight it will be very very much


it's very very much, so that's why, !huh!, and even the investment your CPF money doesn't grow that much also and it's still


it's still there it's still there, but doesn't grow that much but the banking insurance I mean the banking loan is


ya, ya they encourage you know they encourage a lot of people to taking this loan but but the interest is bad


, ya and not and and not at it's not unexpected lah ha


and even banking sectors even , even the oil and gas is also affected much and and even the house loan, but they say the house loan is down, but it's not for the HDB loan lah ha it's for the bank loan that's what I told you bank loan is already go up the the interest is terrible is really go up


ya it's a bit high but it's much more better you know compared to HDB loan if you for long runs right, every two years I think two years after uh after after two years you can refinance back


where else the HDB is, fixed you can't refinance until, the grace period say twenty five years or thirty years, so it's, totally when you think it back, when you you calculate it back I think the the bank loan for the housing is much more better than the HDB often


but it's up to me ya it uh I mean individual but to me, it's better than you go for the the bank loan, rather than uh for the HDB loan, because uh, the bank loan is all depends on the the interest


rate they they would change every, every time, every every every moment they can just change the interest, but as of what now the interest is going down, for the housing loan


but for banking, ya that one is for HDB, HDB ya HDB is fixed is fixed it won't it it it


to me if you think it over because after two years you can refinance then, ya it's much the the the housing loan


uh, ya what I mean is as at now as at now for this uh september ya it's little bit uh the for the banking ya for the banking loan is higher


but, it's still negotiable you know, and compared to the housing loan offered, in in house loan and uh the bank loan is much more cheap is much more better for the housing loans offered by the banks


compared to HDB


ya because of the pandemic they have to cover a lot of things maybe , and ya and a lot of not not say as


now now the insurance is not like like okay like last time we when we want to go buy insurance we we we based on AIA or Prudential or something like that now even the card offer credit card also offer you for insurance you know and is much more cheaper but


but is not that really secure maybe because, I ever tried before last time under Amex also offering me from a Chubb company but uh, it is it's totally different for what they they they offer last time and when you want to claim it's totally different


different stories so , ya all everything will be very very bad right now even the trading accounts , even for your shares also going down uh not that a really good uh bull run like last times in year


ya but but maybe maybe not uh not a right timing for investment


right now maybe for this year I, to me it is not it's not that really right because it's not settled yet everything is all uh up and down up and down is not really uh severe


ya that's why even trading account also is not that good right now and , and even you know what I told you about the Bitcoins


ya the Bitcoins, it it is it's a boom you know now I don't know but I I get it from this someone , I mean someone they say about this Bitcoins


they say at first you know there is there's one Bitcoins is from US market,


ya now [orh] for investment , like for cash management or or a lot of things lah uh so I think I think this is not the times right to for investment especially for for trading


no actually actually whatever it is right investment is a risk, is is is whether you up or you down, and if


there is a lot of a lot of uh risk investment uh wealth management even the risk management there's a lot of investment can be made lah can be done, but I think for right now I think this is not the right time to do for the investment because of this uh uncertain


ya I think for for to to to get a loan also


I think as at now for the investment uh, the loan is not that nice is is not that good, ya is not that good rate as at now maybe for big figures, ya it can be negotiable, but to me


to get a loan especially like say for renovation loan or something like that, I think you just keep it uh for next year maybe it will be better next year maybe hopefully


rather than now it's it's not that good year for the investment, you think


loan of course is like like of course there's a interest but rather than you take like this I think as at for now for I think about one year so maybe just put the money inside the personal account first


and yes it's not that a lot interest to get it from, but at least it's a little bit it's secure other than you do uh for tradings, and it's like really risky you know it's going down it's really going down uh


ya ya there's still there's still have


that is in house loan ya in house loan that one is three point how three point four six ah three point four eight is it, ya but if you think it you think it over


okay you take for the house loan, from the HDB right okay say HDB lah ha, it will fixed three point eight nine I think so for how many years twenty five years or thirty years okay


as like our age right now fifty years right, it will be better because after two years, now the bank loan for the housing is down a bit compared to last years so every two years you still can refinance so refinance you will get better


you can see it you know, from your from your statement from your statement uh every uh annual statement from the HDB you see, okay for my house right okay for my house say, I paid my house is ready over twenty twenty one years


I left another how many years to to finish but still my payment, for each year is about each annual uh deduction from the HDB it's about twelve thousand plus where else it only pay for the house itself is only half of the price


and half of it is the interest, you see you see the difference it's totally different you know


the bond you mean, ya both of you are working so there's no there's no issue on it only that that uh I think to me for my own suggestion I think it's better for you to go for the bank housing loan compared to the HDB


I think it's better, stop means the red red button is it


negative experience, negative experience I have a lot all list out


negative ya sometimes you have to to talk about negative at least to mature yourself to base on experience is good, ya like like you know yesterday right yesterday after work (ppc) I went to this uh #toa payoh#


happened that I just come out from this uh NTUC then there's a one shop , uh is is economy shop is ya value shop, then I went inside you know (ppc) then I find something because


I'm I with my smallest my my youngest son , then we went uh inside then happen he he he he he want to buy a lot of these tidbits , okay fine then he asked he asked me whether I can carry his bag then I say okay I can carry then luckily I'm the one who carries his bag you know


and then this okay we're we're we're about to to pay then of course we are queueing up now singaporean all queueing up right(ppc) then that got this one uh, old man right he keep pushing pushing pushing my bag you know pushing pushing my bag so I said uh hello hello why why you're keep pushing if let's say my son the one who who carry it he of course he can


he he would be pushed also right or not and he keep pushing I said uh uncle stop pushing why are you pushing because we are waiting for our turns so you just wait for your turns and sometimes nowadays I see I notice right a lot of impatient


not say youngsters normally to me youngsters are more impatient now even the old old aunties and uncles also a lot of them mostly impatient you know, and they they they


(ppc)


ya especially that one ah is only for the older aunties and uncles you know I don't why they they they like especially when you want to cross the road at the traffic light they really stand at the edge there you know


and , ya (ppc)


nah I told you nowadays are all are very impatient you know, I'm not that that ya, no sometimes


no sometimes sometimes these old uh sorry to say not old me also becoming old but sometimes these aunties and uncles right, some some of it, they take things for granted (ppc)


they're like , they're becoming more, no we ya we try to talk to them, you you know sometimes what ever not all all they do is correct you know doesn't mean that you are more experience you will never do things wrong


!wow! , [orh] okay I understand (ppc)


but you noticed lucky you with him lucky you with him


experience your your experience your your, uh (uh huh) like other than your own character so they based on your experience then they judge, by like okay say your hair


don't tell me my hair like that you will be you know labelled as on, they were labelled they were labelled based on experience doesn't mean we wear very crooked you are very bad you're spoil no is not that


(ppc), I really hate that kind of uh behaviour you know I really hate that kind of behaviour you know my son I ever have thisuh experience also my son went to this NTUC nearby my house, and he eh he was looking he was he different characters you know my son I have four you know right and different characters and he went to one one uh column to the other column there where he he'll he was finding he was changing his


shampoo actually he was looking for the other right that place uh coincidence the the the shampoo area is, opposite to this you know tidbits where the small small tidbits everything and he was looking he was seeing there seeing there you know lah my first son right


and this guy he was he was like like you know he was looking then trying to be standing nearby nearby to him and he and and and and he he feel like like like, he of course he noticed that like you you feel something that he's not doing right thing so they trying to to


like uh what how to say they disregard him as like someone, want to do bad things like stealing or something like that you know, and !wah! ya


and that guy I want to know who that guy actually when that time my son told me that right I'm not happy I really not happy I said who was that guy you know this guy say that , uh the way he the way he talk to me like he follow me as if like I want to do something bad you know mummy


and that is not right, doesn't mean he of course his hair he he he he go and , dyed his hair but the normal brown lah and you know youngsters nowadays is like pink or brown like like a little bit very blend lah ah and because of that


ya ya ya and and I think that one oh, I think that one is the the, the supermarket I think like a security ya security yes


why he was following like like like like you know like like you you do something wrong and I said this is not right, you want to buy something you know at NTUC and then you you you you regard people like this !wah! I I don't like it


ah oh ya that time we went to PD right is that PD, oh ya


ya I think they they say about their dialects then the the price is different compared that they charged us


eh ya that is very bad experience, ya we went right that time we went right is it we went together that time, (uh huh) ya I


but that one not happen in singapore lah is in other country ya yes, ya even if I tell you


oh ya we end up to be other place ya, ya I remember that also and you know you you you you read about this news about this the car the explode (ppc) fire


yesterday, !huh! yes yes my husband saw that you know and you know what time when he came back yesterday around nine plus, and the car is still there


and that thing happened in the afternoon right late afternoon is it late afternoon or mid afternoon (ppc), ya the car is still there when he he when he came back around, he came back around nine plus and the car is still there you know


and how can that thing happen and he told me that the car is the very old version car where you know the the the the old version car, nowadays (ppc)


yes yes eh happen that that that one right the recently the the the recent the uh the the, the lorry uh, I think , been in an accident right that one I think because they skidded you see at the roadside all with full with the sands


maybe they're they're very they're speeding you know yes it's really speeding then that's why (ppc), ya and some more singapore road is very narrow and very small now sometimes two lane become merging to one lane and you don't have to speed I don't know nowadays people are are really I think they they want to be a robot I think so all want to be fast


they're late for meeting I think so or they they I don't know, (ppc) everything all they want to be fast especially when you corner right you based on your your just, speed down lah don't don't don't have to be speed lah until like sixty you can just change to forty or something like that but I do know lah maybe maybe nowadays people are very uh impatient (ppc) ya now very impatient


ya you told me ya last time ya


ya ya ya still still not still not settled now right still not settled, you know this year (ppc), this year I lost a lot of for of my you know right my in-laws my father in law my mother-in-law


uh even uh my sister-in-law also, ya ya sudden you know in year twenty twenty, ya so (ppc), I really don't expect that but ya lah what can we say right (ppc) everything is all arrange


then what can we say (ppc) now


ya a lot of now a lot okay things, to me now is very expensive, and all expensive but the quality is sucks (ppc) what I mean quality is very bad


and in is as so expensive, and uh (ppc) people are getting more and more young youngsters lah becoming more and more rude, and they don't really uh I don't think so they can manage themselves


and I I I think that , I I I don't think so uh if we don't practise our tradition our end -okay our our good things like like you know our tradition also shows all the good good things right uh


disobeys everything I tell you if we don't practise that now the children will be out, they're are becoming more and more uh rude uh very hard to manage


and uh nowadays ah they think that they have the right to say, they they got rights they say humans rights, singapore there's no human rights, but uh they follows the erode side (ppc) where they say that they have a humans rights and I don't like that also


ya yes they don't understand


ya that's why and some more uh, to me with this with this uh atmosphere this year a very bad year and and work affected with work everything I think people change a lot


and I hope I hope that our friendship will be stay good stay nice love each other and and working place right now also very very difficult to stay and is lucky to have a job right now you know uh ya but I I feel very sad also lah


ya it's not only investment you know even insurance a lot of all it's not faking lah it's like gimmick you know where they uh they offer a good things but in the end it's not like what you think


and I I experience that also so I I don't like it this year is a very


ya ya yes


everywhere lah everywhere you have to be careful especially at working place also ah doesn't mean that ya it's good thing you have a job but you secure it so we just just don't , not say trust each other lah you have to be be careful lah nowadays everything can can even best friend also can back stab you even colleagues also can do that also not surprisingly so it's like like you'll have to be careful


no I'm serious uh I'm serious, and nowadays TVs also very very all love you know all love


ya I don't know I don't know that this thing happen in life uh star is born


ya lah I hope that that movie can can really positive me lah ha


(ppc) no lah I I hope this COVID time period right, the government will help us more lah rather than the government lah for all they have whatever things ah you work from home you know how many months already you know right ending up at home like that the pay cuts everything and that's make me very sad lah really sad


and no travelling ya of course the the the the government cannot do anything then uh but one thing give priorities to the singaporeans lah I hope so


ya very negative all


positive experience, what are we going to talk about a positive experience ya, okay okay I'm so happy, wait wait wait wait


wait wait no you don't think about that, if it no that is negative now we are talking about positive


!hey! hello we're talking about positive positive first positive, positive positive


what pause, maybe you press pause


I think I think is she cannot hear ah maybe, can hear cannot hear cannot hear is it cannot hear, now she cannot hear yes cannot hear


ya [orh] okay now okay uh ha we talk about positive positive


okay faster I like to talk about positive faster


ya that is positive uh positive I'm so happy because my son my first son for his result he get positive uh uh result good


but I'm so happy at least he passed he good he he he he go to the next level okay good and only for the best part of the everything lah ha only uh hope for the positive working place


my husband also affected because of the yard, but I'm feeling positive right now lah so many love so many love around


then the children are more and more now become becoming more and more uh big, uh matured and hope for the best in all of them lah and education is now very bad also so paper qualification


not that really uh unless you you you based on your diploma or your bachelor bachelor, shopping lah ah


eh shopping is my hobby I love shopping, think positive shopping, shopping around when you go to the mall now okay this is considered positive aura you know when you go to the mall okay say marina bay sands or Takashimaya when you enter the mall


the smells the the the atas smells the this smells make you feel lively right , when when when you go to the mall where your favourite place at Louis Vuitton or or Ferragamo


when when you enter you feeling !wah! Shiok we love it you know yes my hobby, (uh huh) so is is is I I feel it I feel Shiok even though I don't buy every time ya doesn't mean shopping means you have to


buy window shopping also make you feel good, feel positive the aura is there so you feel live lively lively right


ya that's why I tell you is individual is all up to individual, whether you need it, or you want it


he did phone home


chopper is it chopper, that one ya, that one ya that the bicycle is chopper is it, oh BMX [orh] okay


you can ah you should cycle you know, now is the time for you to buck up, change change your your lifestyle


no I don't like, no I don't like my son have it just bought a new bicycle and even he do he do uh because of this school holidays for one month plus right


so he he actually I don't, of course of course but I want to think I want to think positive (ugh) so the mindset means like


he wants to do part-time, but he want to earn money so okay why not, I I of course I give him guidelines like I give him some orders also not to go on the road then try to cycle at above and see especially the traffic light the alarm (ppc)


ya I always told him that ya okay I I I cannot I cannot have


(ppc), ya totally different lifestyle our lifestyle now and the old lifestyle is totally different experience


(ppc), but but I still, I still the I still love the moment now and I also love the moment last time, even though you really , it really left me a good marks lah ha


but I I still remember, like lah like last time last year I managed to to went uh for my uh


last year, ya I told you last time last last year I went to europe, then , and this time round we we go as a family six of us and after that that that year after that year uh not not not after that year after how many months apart


then we uh I went with my family you know my siblings all my siblings , so we we get to to go out to saudi arabia we are holidays uh for fourteen days sibling that is a good experience because


actually I I don't expect that to to happen now but it's happen unpredictable unplanned at first and is only plan within a year not even a year you know is like, planned within six months


and okay I have a very good experience you should you know with your families with your sibling sometimes with friends are difference I mean what I mean the the, the atmosphere the feelings