(uh huh), okay are you intend to migrate


uh


not true, okay, but uh so uh they are people very like good and innocent people also there


oh is it okay, oh okay


okay


financial related topic


oh as in your mum's company is issuing shares ah, err for myself right


currently I don't invest in any particular, sector, probably mine is err unit trust, ya, from a investment, link policy err it's a professionally managed fund


but like, big big front houses so like for example like blackrock, or like UOB, , so do you have any finance experience in err options future commodity forex


it's a bit, kind of complicated but I think we learnt it in our finance class


last time ya you forgot what's committee commodity it's like the coffee sugar, ya, ya commodity is like something that err you trade and use on a daily basis err


ya lor so force for example like maybe india trade coffee to singapore, yeah but in terms of like err trading in those not in particular like


I would buy any of this lah, , then do you have any brokerage or trading account, , err ya right now I have a iFAST and navigator err but I haven't really actually use it


I think both are the same class it's err, , for advisers to to, buy and trade for their customers and for themselves lah


it's not like a consumer one, I think right now the ones in the market is err stashaway endowus


and err a few others I think I I try to meet up with the stash away one I think also this year or last year there's a robo adviser that closed down in singapore lah


ya the company went down, so but it's still very popular in singapore leh I see like a lot of people still using it because you don't need to check your funds so they, invest for you based on your risk profile so for example your


err, you're very conservative you don't want to invest too risky so they just, err do this said fund every month, yeah, okay what about crypto currency do you know about it


same actually, I know this one I think it's err more about like bitcoin et cetera but I I also


remember such a project , invest in CPF ah or cash, no eh because it's too complicated I I don't invest in things I don't understand


err currently I don't touch lah because, like OA is two point five per cent then SA is four percent but OA we need it to buy our house next time


err eighteen years old then I think, OA is err you need minimum twenty or forty k in the OA then SA is either of those ah like minimum of those amount then you can start to invest but our age don't have enough lah


, ya clever invest, after like all the priorities are settled like you buy a housing


then like oh okay just safely think about investment, then how you have you about the singapore savings bond


err like you didn't know the gist of it, like who is it issued by, ya it's by singapore government, ya, because like when it released I think it was last year or what for retail investors I think the youth over ten years is like a lockout period of ten years ah for this bond


so when it first started they give they promise two percent plus of interest, so they release it every month I think on the tenth or something then now, now this this year this climate it's only one per cent


ya, I mean my brother they invest in it, but i didn't, I think I think the youth to little ya


ya he he trades a shares everyday and monitors , ya very active investor but I'm not lah I'm I'm passive


but in terms of like your personal time horizon how long will you be willing to invest in, like probably like five to ten years or more than ten years twenty years


generally I think err our age I think we can look at twenty years because that the that's the time that we have children err like all the big expenses


maybe first one is like ten years and twenty years so it's important to have different time periods so you can leave cash in different times, err yeah I do have some money err in in I said IIPR but that time because of the COVID situation then I pause the investment


ya because of the, ya for those kind of plan there's like err, can't remember the term but it can pause it for up to three years then you can reinstate your policy, ya but if you don't continue all right you I'm just losing like all the capital


I think in general is like err how much percentage do you want to invest in bonds and how much percent in stocks, so usually for us err maybe we can do like eighty percent err stocks and twenty percent bond because a stocks have like higher growth potential but also higher risk and then as we grow older maybe we'll decrease to fifty fifty or like forty sixty


ya you understand the concept right , I think it's just a refresher lah cause very long time never touched is kind of financial


I think mine is uh more to growth and aggressive because uh my time period horizon is longer I'm not retiring soon I don't need the money , ya so I can afford to lose a sum of money if I go to invest so


ya lor I always ate all of four, maybe like twenty percent return


I think they are talking about trading in stocks I don't think either of us err do it very actively or even know, ya and probably like options you also don't understand what's options


is like buying a buy option or buying ourself option or selling a buy option I don't know it's like, I forgot what was the term called I think it's hedge hedging against like, financial risk so maybe like some companies will sell options to each other


stock market I think, like the singapore one the STIETF eh is it ETF err versus the SNP five hundred which is the for US top five hundred companies ah I feel that like now singapore the


the our ET, our, stock market is not very good, so in terms if I have to speak pick a particular like stock market I'll choose like US, ya because


I don't know I read in a book that like they say that if you invest in the top, american, companies right you are basically investing in like international companies like mcdonald's apple like they are quite international so


I guess it's better lah and anyway our own stock market doesn't pay us dividend unless you pay you buy err you estate


but who you work !hey! from though, who who would you hear it from though


, I think that time our interviewee err Yong-Min, do you love it, ya but basically, is like you know like company the balance sheet and the profit, profit and loss


then maybe they they do some like financial ratios, ya or not they will look at, oh I I I tried to learn uh how to do technical analysis but I didn't finish learning


ya there's a lot of prediction, somewhat formula ng ya is formula and trying to predict the earnings for the next five years


maybe every month hundred two hundred then you just, , in terms of how you pay maybe is similar to insurance but as


if you are investing then there's no insurance at all lah if you lose your money means, Kaput lah , I think it's err very convenient option for those everyone who have lives to live


ya like, maybe we can afford to check once in awhile but I guess most of us don't like to, to monitor every day every night after we come home from work and then we need to look at


ya it's much better to have like someone like [orh] joey this how the stock market is performing


yup, uh me , if you are investing that with me , ya if not it's your like robo advisor or like bank statement they will update you


but I think is a very good err way to invest, to me lah


I think it's good if it's a stock's picking so for example maybe you know that like now the, COVID err phasing is coming out so perhaps you invest in those err, vaccine development companies so maybe if you invest it earlier and versus when the vaccine is re out and tested the price will be higher when the vaccine is release so it's good to sell then


so if you pick stocks as good but in terms of a long term investment strategy I feel that regular investment or like you remember what is dollar cost averaging


so it's just that you set aside a sum of money every month to buy err investment units so on a good month maybe you buy err more units on a bad month you buy less units so it, in average right maybe you are like paying the middle so it isn't so expensive like you you kind of know like it's a fixed costs and you're riding out the market waves so in general market will always go up so it's much safer to


err dollar cost average rather than err, like, maybe you buy before COVID then after COVID !wah! everything go down, ya but if you buy every month then you don't feel the loss


ya so, thats to the next question as you know, for me it's time in the market


so tough time the markets is like stopped peaking so you must know where's the good time to buy was a good time to sell, but time the markets is just you put five years ten years twenty years


the longer you put the more, I think it's more assured that you will get bad returns ah, but you don't know


I think it's a good strategy


I think gambling is like, you need to prepared to throw your money away, cause its win or lose and you can't control the probability, but in terms of stocks like when you do like your technical or fundamental analysis against its calculated risk


negative experiences


oh my god ya


I think I I not sure if I got tell before but I think in year one or year two in Bali like, I a falling out with my ex and then, it was a a very bad time for me lah because, like he would blackmail me


like I remember eh, and one one weird thing is that, out of, all people to Pao Toh me to right like he he went to find MX song, facebook then he's like oh you know you know tiffany is a S word


, ya but MX also enough of her bro to like !hey! tiffany this is ya he told me, now I'm just like so confused like you doubt MX of all people


his quite crazy lah so that was a very bad time , ya looking back it's quite interesting


it's not experience everyone have


I think it's just yours , eh but I'm quite shock that people will insult your appearance cause you look fine to me, ya unless it's like


like ah ma you know like grandparents are like oh you are too skinny need eat more or like you too fat eat less, , that's so confusing


probably they have nothing to talk about


I mean I also do it ah like eh #lau pan# you become thin already , you too stressed is it, uh I think it's subconscious


I I don't have anything on top of my mind or probably I forgot plus I don't care


oh my god,


that's so interesting though


ya like your life I think my only impression is like, like during funeral when one of my, my granddad died and then, everyone was crying then I just felt so affected also even though I'm not close to my granddad


so you just like !wah! I get influenced also the I feel like tearing up , no because everyone is crying and then I'm like, !wah! peer pressure like I don't feel I'm sympathetic, ya


like if everyone around you cry like doing FYP right the good forming period like, I think some people are crying also then I'm like, I also feel so affected


guess competition is healthy but, ya just don't get so affected by it, like just go at your own pace it's okay


I guess you are doing fine right now, it's good enough is is more than good enough lah, basically, for me it's probably during the year two like, the six person all same person group


I felt so confused the whole time , ya like that's also the time that my grades really drop like it's the first time I ever got a d


ya but the rest of them like, the group leader she got a or b so I guess is like peer review, ya lah so it's just a hidden side that I I just, confused but it's okay


it's not like I did very well in year one either so still meh, I mean if I could go back again to go through poly maybe I would have study harder


but, it's good that I I enjoyed myself also so it's like meh


probably we could have went to a university


I feel like you are the kind who like pursue your passion over like salary, I I know you will make it enough lah you will make ends meet confirm


I mean right now it's good, ya my god I remember like we are all talking together then you all so worried like


!wah! after graduation, then what's our next move, then we see everyone going to uni then like


pockets of depression lah like when you feel depressed then you feel like, like nobody is there for you but it's quite normal


ya it's quite intimidating ah, like even when applying for myself I'm like, I overwhelm like I had I have so many choices


no lah like sometimes you have too much choices you will just like stuck there like, yeah I I don't know what to pick, is this really the best, then afterwards you just like decide and then you just go ahead, like we decided not to go uni we just like live our life without uni


it we will just work things out in the way that we chose, because we made this choice then we just, choose things based on that choice yeah so I guess it's okay


ya in technically ya we are doing well, no technically I also don't know


oh ya I get what you mean


for me nothing stands out, so ya ya , it's not really particularly very sad or what, you mean that time I feel very sad but now looking back


like do you play life is strange, like every choice has a consequences, then like (hmm), if you go back and change right then everything go haywire also like chaos theory


so like I guess if I I change something from the past then I I wouldn't be where I am right now, so ya, wouldn't change anything about it lah because I'm comfortable it could be better it could be worst but I don't know


ya still


did you change though


oh my god didn't know about it , no like like, when you see bunny I'm like oh ya unless if jewish bunny anymore


so it's like sudden death


that's quite traumatising , probably you feel better now because you told me now


I wasn't close to him so it wasn't a loss, like cause he's all the way in like Kampung indonesia, and I don't speak like indonesian that well so wherever I go I'm like, I'm just a flower fast


ya, I do nothing there


positive experiences, eh but actual actually there's no


like I would agree with like your positive experience also I feel that like this job website sudden blessing to you , ya like it it gives you like more of like a purpose in life aside from your your side business


I don't think it's as stressful as you make it sound to be but probably their


ya ya ya , transcribing


oh man I I I really don't know , I guess it's good when big some one suddenly like checks on you from time to time !hey! how are you ya, but, no impression of a nicest thing


ya quite proud of you for growing a following also and like doing what you love


good progress oh


yeah but you're quite happy about it


for me like nothing really stands out like err oh I don't have happy nuggets, time to time like probably now, the the things that make me happy is like meeting up with my friends eating


food buying food buying things, , oh my god when the parcel comes like oh my god yes, can unbox ,


ya, but the feeling of unboxing is like giving yourself a present from the past I love it leh , ya like I think last month I probably spend about a thousand


okay ah pass few months sorry and it's not only my things I buy for my and my mom her shop


ya !wah!, I feel like don't help the singapore economy, economy enough, I don't shop outside


oh my god I think it's to malaysia JB, when I, before circuit breaker to buy goods, how about you ya groceries you buy a lot


its not like you have spent on stationery lor


oh so you didn't go to cafes


I don't really have, memorable one but remember like when, I went for the overseas one with, our course, ya I think every evening right mister foo will walk from this end of the street to the other end


then come back then, it's like a roadside lah, so it's like, he he did it to do his daily exercises, then I I went to run with err some


one of my indonesian friends in their school field, but mister foo will get his exercise by walking and the street was I felt is quite dangerous, I don't know, ya my god


he said the seven wonder of world a dragon slayer, you just don't say it add oh uncle


I think he went two three weeks, ya I wish you could have came to, like I think


for me like my boyfriend said my boy my mole is very pretty but I'm like so confused , like I I didn't like it like growing up as a child, and, like in primary school there was like a girl she made fun of me and every time I go on streamline


or like just random video call then they were like, it's not like, random viewer lah


I'm just very confused, , so it's very odd to me that someone will say that it's nice


ya it's always quite standard, that is like your that full fall


sure sure


I guess I would see the same lah like right now as is quite okay is not the best life but, is enjoyable as you go along lah a lot of different challenges


what do you used to hate as a kid but now love as an adult


oh my god, !wow! you, you went through very tough training


I'm going to give you my tomatoes next time , I hate it ya he seems young and can't change


oh my god like I try to eat as own its own because I I like veggie and I'm not so picky about veggie but every time I eat it right all the juiciness and the of it oh my god so gross, in burgers ya can specifically tastes it unless like maybe it's those in cheese and then may properly it will taste okay cause you can't really tell the texture


next time we go to bar can order bloody mary and try, yes it's like the middle juice chili


I feel personally it taste disgusting but my friend just, yes I think so


it's like a healthy beverage, ya but it's disgusting, but I feel like you if you go to a bar probably not in singapore lah singapore is too expensive you can try try what is bloody mary


and you also can also try graveyard, is basically a drink that will make you like very drunk very fast


wait so you never been drunk before, , no but I assume that you will drink at least try drinking before


oh that's so cute


buy the boxer you nice one ah


gift giving is not my love language so, when get a gift I feel a bit happy but, I don't know I feel weird also like I scared if I don't use it enough that I'm not appreciating it or if like I don't like it


then I've to keep it, if not I'll feel bad also like oh you went through so much trouble to buy it for me, ya my friend gave me a lot makeup but I also don't know I don't use them that much , it's not


I think it's our FYP group leh, oh my god like the first year like a start of the year when you all forming groups oh my god all the stress the trauma


oh my god, those feelings, I cannot forget, ya


quite a bit, the trash took itself out , it's like karma


oh my god, oh , yes yeah the chocolates, same same the milk one is too sweet


okay you got dark chocolate buddy


so you buy the one near our house ah, oh yeah


oh my god milk tea so delicious, I am tall enough , , yeah I'm not too short ya not too tall


, you're sponge bob


it's like this just now also but no time


financial related topic


okay the first question right, share your experience honestly I don't have like any experience at all I think tiffany would be, the person who is more experience with this type of, like matter


like the only, ya the only thing I know about shares is like what my mum told me about her company, so ya that's about it


I think she owns like a like a few, right that's how you count shares right


oh okay, no I think you know right I have no idea about things like leh


I mean it looks familiar but I've no idea what's that


oh okay okay that sounds familiar


is it like both brokerage and trading or is it like separate


oh okay, do you use robo adviser what's a robo adviser, (mmhmm) oh the company ah oh okay dank no <B>


but do we this do you learn about it in poly or something, I think we did like a project based about it that's how I find it so familiar okay but ya ya cannot remember but now I don't invest


crypto currencies


I know okay I get it, sure, face their CPF money eh


okay, can we invest our CPF money is there like a age limit


that is true, uh (ppc), but would you wanna invest next time, this time I have not enough money


I have no idea what's that, the no is it by the government


oh okay your brother is into this type of financial things also ah or is it just, oh oh a bank okay


okay what's your investment strategy, , nothing I have no strategy


oh so it's also like they give you time periods one lah, do you have like your own


that is true do you invest you started yours already ah did you start investing you started investing already right you


how do you plan your investment fort portfolio, is there like a way, is there like a standard way


oh okay


kind of , what is your risk appetite when it comes to investing and trading, err


I have no appetite I mean maybe now lah because now like you know we are younger, okay lah made me lah me I'm just not really interested in things like that


do you do trading, ya if you don't do it I probably don't do it ah


what is the invested in options, its, it's something like


shares is it is it like


(mmhmm) oh that sounds complicated already lah, , do you invest in the stock market


oh okay, but I heard people saying that they rather invest in you know international ones instead of singapore one, that's what I've heard before lah, , it's not like I know that much about it anyway


like that time we did the interview, ya okay ya that one, the guy talk all about it, , do you perform fundamental analysis or technical analysis what is the difference between those two


okay okay he did like


ah okay okay, so do you do any of those


oh is it hard, so it's it's like a formula is it


okay ya that sounds complicated, what do you think of automating your investment and invest passively, automating your investment, so it's like every month like you automatically invest in something ah


isn't that kind of like insurance in a way technically it's


I don't think I can ever lived that lifestyle I come home and check the stock market


, okay, oh yeah probably just a bank statement that's the only thing I have


buy low and sell high, buy low and sell high, is this a good investment strategy


it does sound familiar


or time in the market


okay what's a, err, oh okay but that's cool


while your course on dollar plus, dollar cost averaging is this the one you were talking about just now right, what what are your thoughts one dollar cost averaging


okay next question do you think in, investing or trading is similar to gambling, I think, I think it's pretty much it's pretty similar but then gambling you know it will be like addicted to gambling but for trading or investing I don't think you will be addicted to it right


its alright my friend you know like TV they always portray you know like when they, like have TV series they always portray investing as like oh you know you anyhow put in then suddenly the company like crashes then you lose a very big amount of money I feel that's how they always portray you know like investing


like stocks and stuff at at least that's how I always you know remember it as ah, me I guess will learn more you know


negative experiences, describe a time when you felt trapped or helpless


, I mean I have two that come in mind lah, first one is last year which is the most, recent one I mean, you know really threat but I just saw I didn't know what to do, you know because after we graduate already right then after I left like my full time job


then I was, trying to focus on my shop, full time, I mean you know like when you are busy then you have ideas then you will want you want to find time to do them all out but once you are like totally, free right you have don't we don't really have the motivation to do it


so that was when I felt like stagnant and just very Sian, the whole time then, second was during intern or that one I just stopped threatens, oh that one was like


four months, four months going from, Jurong west to Eunos, and just doing like it's not like anybody was helping me I'll just doing my job alone, and just because I'm like a intern that's why they make


me do all those things alone it was just very tiring and draining, it's about time you go home right you just need to sleep because need to wake up early the next day, that was a bad like four months man


he did that I didn't know that, tell you ah oh I didn't know no no I didn't know that <B>


I just know the time when he barge into your house right is it it's the same guy ya I only know that, that's so weird why would we do that !eww!


it's so scary so irritating also, !eww! okay, what are some of the hurtful words someone said to you that you wish to forget, (hmm) I mean I feel like <B>


the ones that I remember now is just those, let me on my appearance hor, or you know like relative they like to say like uh you know like, err got pimples lah your face last time when you are younger lah, or like you know talk about just your body in general


I just don't like that, it's a turn off for me, ya that's just me ah, but ya those are the things that I guess offend me no more, other than that I think it's fine, is it is it !aww! thanks <B>


nah I've been dealing with that, ya it's always those it's always that lor and maybe cause it's ya, and maybe it's because like relatives are like that because you know they'd be old fashioned those older generation


so hearing that since young it's just, yeah it is just sucks ah, but yeah I guess that's it, I hope so, I mean it's nothing talk about and they'll be like oh this err you look like you gain weight or you look like you know you lose weight this like why do you even wanna talk about that


I mean I think it's fine now but sometimes you just trigger something in you you know because of last time, so ya <B>, , oh you still <B>


yeah maybe, but, okay lah now I'm okay with it it's just maybe in the past, I'll be more affected yeah yours eh <B>


clear her nice, okay then we move on, describe the saddest scene you ever witness, I I don't know leh I feel like, you know the lion king the part where the dad dies


oh my I, I cry man the last time I watched it was probably like more than five years ago, but every time that I know when lion king comes out I'm not going to watch it, why am I crying so hard it's a freaking cartoon lion


ya the part, the the the fan ah you know when the stampede comes oh dies, , but in real life I don't think I've seen anything that I remember


oh (mmhmm) man heart pain ah <B>


feel pressure to cry, <B>, okay ah ya you feel bad you feel bad I get that I get that <B>


describe a time where you feel that nothing you do is good enough, I guess after I got my shop, because last time you get I get my shop right then you you get exposed to so many other creators then you will you will definitely compare in away on other like even if you know when somebody they come up with new things then you'll feel pressured like even though you have new things also but then every time you see them


through like that small pressure on mice like on myself lah after that oh no, I guess that's when I feel, that I should do better, but as long as I don't really feel like, I want to do better or I feel like I'm doing okay already so it's just the unnecessary pressure on myself


yeah ya <B>, , ya that's always remind myself also but hopefully it'll work


oh thanks ya oh <B>


ya that was bad, eh if only I could save you to my group or something pull you over, oh is it oh is it


!huh! <B>, what the, no <B>


oh man that sucks, , is year one stats kill me, stats and accounting oh really cannot ah <B>


ya same lor, <B>, I think ya year one I probably would have study harder but then I also don't know how much information will go into my brain, like now compared to last time so maybe there's no different


at all meh, ya put a more put a bit more effort lah I guess, uh <B>, why go to uni I don't know I'm quite happy that like with what I have now actually


like uni uni is not really affecting me, like you know not going to uni I mean people you know people will ask a line like relatives they oh so what you doing now, I don't want to study next time ah, now I'm in a place like I feel like I don't really need, uni to survive


but maybe pay wise this time will be different lah but who knows what I'll be doing next time also so ya and those who go to uni don't even like you do cannot really guarantee a job, also and even if a job when it might be like a boring job so


but hopefully it works out lah it's like you know hopefully everything will be enough, for me to survive


oh <B>, okay lah hopefully, that's why I also a bit scared lor, future you know planning all planning so it was scary I <B>


think of people in our course going uni now eh I mean they're either going or, in uni quite a huge percentage, but okay lah that's what they want to ya I think ya he started already


is it ya he started like some online you know the online orientation type of thing ya so, I mean it's fine ah I don't feel like you know oh I I feel left out because I'm not in uni nah I feel happy I'm like earning money you know I can spend I'm doing what I like I don't have to study


yeah I'm I'm I'm good I'm good okay next, describe a time where you feel that nobody cares about you, <B>, I don't think I've actually I don't remember like I don't have any instances that I


or maybe like because there are somethings that you just cannot really say out to people


ya isn't that just like the whole life my my whole life cannot find the right person to share with or you just feel like the person wouldn't even if they listen lah there's nothing much they can do but at least they're listening, so yeah that's about that next


what do you often worry about oh the future, like I'm not I'm the type of person that like to live in the now you know but then thinking about oh I have to plan oh next time what if I get a partner than I need to, buy like housing then kids then the money that is needed for everything


oh, oh and like, ya and I scared of like illnesses you know suddenly just pop up I mean I don't think about that that often but when I think about it it's scary ah


so that's <B>, ya, but okay lah I guess it's good having choices is it


isn't it is it ya ya <B>, I get what you mean , ya oh ya exactly ya <B>


ya I mean we're we are both doing well right <B>, technically <B>, okay ya same lah I get what you mean open next what what was the saddest moment of your life


saddest moment <B>, <B>, not really saddest s but I guess last year lor I know when I was feeling just


Sian I guess I was sad, because you feel like you know whatever you do it's just even if you are happy even if you watch a video and laugh right it's only for like few minutes then after that you just your emotions go back to like, rock you know flat down <B>


ya but she now taking back right I cannot really remember how I felt I just know that I felt bad, but yeah I guess that was the saddest moment <B>,


nothing stands out that's good lor <B>, , ya it feels fine right, ya, is there one thing you wish you could change but we'll never be able to


no eh I feel like everything happens for a reason ah so, <B>, no but I heard of it before maybe I watch like those youtube play throughs before


<B>


right <B>, oh okay I do have one thing I want to change, you know when I left my full time job like because I fought with my aunt right okay lah maybe because now my personality is different but of course that time I was crying then she keep interacting interrupting what I was trying to say so I didn't get to like scold her back


I was I was more of a softy back then I mean now I'm still one lah but yeah I'm still one but I I feel like I wouldn't cry you know I will just try to interrupt her I would if I could now but but maybe because that was the thing that change my personality a bit also


so I'll fight her back I I think I did I go a bit more like rough, rough to you something that I never thought would happen next


have you gone through any loss in your life if you have described your emotions at that point of time how do you deal with your lost, my lost, oh my bunny, the most recent one is my bunny I guess like last year my granddad and my bunny passed away but because my granddad he was quite sick already ah so when he passed on I just felt like okay at least he doesn't really he's not suffering anymore lah so that one I wasn't really that sad but my bunny one was a bit traumatic lor


like ya cause my bunny was a bit sick already so I was hand feeding it like you know hay and everything but then there was one day in a daytime you just suddenly I heard I heard this scream in the room


then I thought it was a bird so I went in to check but then I couldn't find anything so I went to check my bunny then it was just lying on the floor and nobody was really helping me so I had to deal with it alone so that was pretty traumatic I don't think I ever got over it yet but because I don't really talk about it that often so I just let it slip


yeah oh you didn't ya, <B>, yeah passed away probably about a year already ah I only have a dog now


so there are best that, ya because bunny was only like five you know the average life, then it's like seven yeah five five plus ah


so I was hoping will get better but you know because I read online they say sometimes bunny before they pass away they will just like experience this pain then they just, you know like heart attack type of thing I think like heart attack or stroke


ya so I had to deal with that err yeah that's that's mine , yeah but it's okay I'll be over it soon I think, as time passes ya ya do you have oh was it like going grand dad


<B>, oh oh <B>, oh cannot communicate ah


flower forth, so your parents talk ah like your parents know how to speak indonesian oh damn <B>


the yup twenty and a half <B>


err positive experiences, describe moment when things turn out better than expect


describe a moment when things turn out better than expected


!huh! let me think, I mean I think currently now things are, better than I've I've expected it to be, like last year I was still thinking you know like oh no what's going to happen this year because nothing


because we haven't like started the job yet what so I was like quite lost, and I was really dreading this year I was really damn scared, I think I was telling everybody that like oh no I really don't know what's gonna happen this year I what what am I going to do, so I guess it turned out fine like I'm I'm doing okay you know I don't hate


anything that much, oh yeah it I guess it is it's keeping me busy ah


purpose in life , okay lah ya lah I mean so far it's been okay


I mean like every job lah it's probably stressful sometimes but otherwise it's fine it's fine, maybe not stressful it's just like irritating to do you know sometimes,


ya it's not always fun ya oh, so what's the nicest thing someone has ever told you


I you know like I draw stuff right or like I make things I guess the nicest thing is when people say that they like them , it's like cause I cannot believe you know like people actually like things that I make, like that so amazing


so yeah I guess that makes me feel really happy, I mean it's scary but slowly lah so you know step by step


what's the happiest moment in your life, I mean the most recent one for me was at the concert lah


was really good last year that was, the others last year was so bad I feel like for me, so the concert was probably the best thing


oh I was, I was trying to ride that high for as long as I can, but ya I guess it fade out after a few months but thinking about it still makes me kind of happy so I guess it's like is still useful you know


food , , oh ya buying things, !wow! okay I I get what you feel, you wear for so long right then it finally comes


that is true you buy a lot of things meh, okay lah okay lah,


okay lah then I guess ya that's pretty okay but same


oh okay ya since I mean everything is so accessible online now, and we cannot really even go out you know for that long, especially now so right now is the best, describe one of her most memorable travel experiences


when did you last travel, when last year ah or start of the year


I think I went malaysia at the start of the year also, but then my most memorable one (hmm), I went to japan in twenty sixteen, that was so fun eh


I love japan but every there all the things are so cute, I spent so much on stationery eh, ya and I took a lot of pictures everything is so cute you know like you have to stop and take pictures every time


!aiya! japan like you know you went to those aquarium, there's this aquarium at is it Tokyo sky tree, is is it Tokyo was it Kyoto I can't remember but ya that was a very nice aquarium then we went to the zoo the zoo was huge


yeah others like err they have a lot of animal cafes but we didn't really go to that many, cat cafe I think but because that time my cousin was there, and she was under age so we couldn't really go in


so I was quite sad, but yeah I think overall it was quite nice it's just a walking distance though it was really far you know like from the air BNB to the, MRT station the train stations that was really far, oh ya it was fun you eh


most memorable travel experience, oh oh yeah yeah correct yeah


like the shopping street, oh my goodness so wise


oh he went alone ah, went no other teachers, my goodness okay lah he does I mean he looks kind of scary so I don't think anybody would like mess with him


oh okay I guess so but how long they all go for ah that time the trip


ya you look fun though from what the other said, oh sorry I didn't scroll down, okay , what is the oddest or most unique compliment you've ever received


why most are pretty what


wait do you know who she is, or is it just like some random viewer, okay lah no lah


most unique I don't I cannot remember lor like what can like what's the oddest complement somebody can receive, I don't ya, okay I don't think I can remember any of them then


what are you thankful for, your boyfriend complimenting you, having a boyfriend that compliment you, no you,


me ah, no lah I'm just thankful to be like here, doing what I do or being able to do what I do now I guess, I I think my life is pretty okay


in general, so ya I'm quite thankful for that the friends that I have the people around me, I have I have nice friends at ya so ya that's what I'm thankful about, pretty much everything


I have in my life right now, I mean there are bad things lah but that's what makes life


tomatoes oh my gosh ya I keep think about it I used to hate tomatoes, ya oh okay so I went to korea I think when I was like sec two then we went to this you know cherry tomato farm, and then my #ah ma#


you know cause we pick a lot right cause I think they gave us like a basket so we take as many as we want then you can bring back but then cause the trip was only like a week mah then my #ah ma# will keep forcing me to eat cherry tomatoes because like we cannot bring back to singapore, so like the next few days it just me like swallowing cherry tomato eh I really hated it then but now it's so good you know


you know like stuffed the burrito they have like tomato inside oh that was so good , I love tomatoes now, I think that's the only thing ah I love tomato ya man


I mean now if you give me a box of cherry tomatoes I will gladly take it from you lah but if you gave it to me when I was like sec two which is fourteen years old no, no I don't want even look at it


you don't like tomatoes ah, yeah , I don't know how I don't know why I just suddenly like, suddenly had this, taste change, maybe because it was in a burrito then it tasted that nice so after that it's like okay okay I can get behind this


even in like burgers


ya I mean I like tomato but I'll never drink tomato juice no, is there tomato juice inside bloody mary, !eww!, what is it is that even nice


wait you said there was chilli, chilli, why would people want to drink that


!eww!, no no, okay ya maybe I'll try it once then I'll never touch it ever again


sounds gross !eww!, I'm scared of being drunk


who knows what I will say when I'm drunk man, ya I have I have, I need I need a filter I cannot like you know like the filter, dissolve because I'm drunk


I'm a nice cute tiffany I don't even go to clubs, where will I get drunk like the, I mean the the strongest thing I'm doing is like somersby


, will oh ya cannot take alcohol it's like you know after I drink for awhile right I'll get like really red then I cannot really breathe I don't know if it's just because I cannot tolerate it but, but ya because somersby you know that time I drink okay lah I drink without ice like the bottle itself so I was like sitting in the living room I got so uncomfortable man I couldn't breathe


like actually I finished the bottle I don't know why was it was a bad like choice, but yeah alcohol I guess is not the thing for me, okay then what was the best birthday present and why


my FYP group right they gave me the wacom drawing pad


ya that's the that's the the, thing that I remember the most ah, because it was so nice eh I didn't expect to buy its quite expensive also so I was quite shock I thought they were like joking you know they buy the box and then they give me something weird inside,


and I was damn scared I was looking at them unboxing I was like unboxing and then looking at them like is this a joke or is this real, but ya that was really nice


oh ya okay that's true, oh ya also you know I don't use make up one but somebody give me makeup last time then like okay I guess I'll try but I never tried it before


!oops!, K next what is your biggest blessing in disguise


ya it was traumatic, but ya you really turned out the best, for both of us, ya it was horrible, oh, but then like you know from there you can see who are the bad people


, we exposed them they exposed themselves, yeah (ugh), okay I guess FYP, ya ya I guess it's karma


but okay lah they they they're doing well now separately so, eh karma karma, what is your comfort food, is your comfort food ice cream


!woo! I like chocolate, but I like dark chocolate okay good, ya okay a lot of a lot of people they prefer milk chocolate whenever like I mention dark chocolate to be like !eww!, ya ya I like dark chocolate


but comfort food ah is bubble tea confirm like considered a comfort food okay then mine bubble tea then !wah! I love bubble tea, I do, which one sweet top gone sweet top is that the classic one ya


I love the like okay it's cheaper, firstly it's cheaper then you know those like typical those neighbourhood brands they have more options, of drinks yeah that's what I like about it what like every every now so expensive you know those bigger bubble tea brands


and it taste like okay only ya correct it's more susceptible also, but liho is not bad too I like their green milk tea, I like ya the green tea green tea based milk teas I guess


what do you love most about yourself


okay ah okay ah I get that I don't know, height has okay lah I am tall lah but I never really, thinking much about that before, I like my sense of humour, I don't know


ya like you know different people have different types of humor, but I feel like, people won't laugh at the things I show them that is so sad but I just find it so funny eh


part one financial related topic


ya maybe you can start with uh the first question, like what advice would you give someone in order to reduce their income tax


from what I know I think you can, you can put inside your medisave also


so you can uh, reduce your income tax also, but, uh for me I I don't have much CPF yet, so I'm not really very sure


right now because like I've done some insurance stuff, in advance that is like way past my capacity


just because of the critical illness change, ya so I I got my life plan early I it was supposed to be like, maybe plan like three down three years down the row so right now the percentage towards like my insurance right


is way more than expected, than like now, ya but right now other than that I feel , it is around, I try to save fifty percent, because it's not a lot it's not like I'm earning like thousands


it's just a side job apart from school


but what about your expenditure leh, like, like like how did you spend your money


I guess for me majority is


transport like I still make use of our concession pass, but , ya majority on food, but, how do I spend my money ah, I guess, like my mum taught me before if my total expenditure let's say let's just say is ten thousand dollars


no not expenditure my total assets, are ten thousand dollars, like I can freely spend anything that is below one per cent because I still got another ninety nine per cent, so like although hundred dollars might like, hurt, but if I know that is less than one percent I I think it's pretty fine


correct correct correct but it it doesn't sound like peanuts cause it's like from primary school like oh two dollar is like one Lor-Mee one


chicken rice like that that is hurts is like fifty chicken rice gone right but then, in actual fact you still have ninety nine percent of your assets with you


okay okay let you, like ya like you think is is a lot but I think it's okay leh, like if you see from that picture right, it's fine you just don't every days spend like one percent on everything


if not hundred days you bankrupt already, oh we were talking about, we were talking about insurance just now right, ya so, do you think you should like uh


get a FA like financial advisor, or like you should just, like aviva yourself to everything, , remember army ya


just transfer him all your money ah, , yeah my opinion is I I myself I'm a very lazy person, so I just want to approach like one or two people to get like my coverage and everything and like just ask cause I believe


like yes one point of person to get advice from it's fine, but like let's say, in times of crisis you really need advice I think like maybe two is the most suitable at face you can have


like let's say I I really go hospital touch wood I really go hospital then, later my FA like drinking outside, can not answer phone, then at least I got another alternative mah


ya, I buy from two people especially during the critical illness cause, uh of the price, ya I most of it, it's project no no not saving plan, ya so ya so the


my normal go to is prudential but then after that I got a great eastern critical illness, pure purely purely


term I think term term, term plan not life, I getting the minimal lah like, survivable one lah, ya


after fifteen per cent like ninety eight I think, but is one year discount or like


it is both Bo Pian lah is critical illness , oh my one still got pouch next generation children ah


I become great eastern I sell you ah , ya but but let's let's go back uh like what can you do to earn extra income, ya what what can you do to earn extra income or improve your income level


yes dividend, yeah I agree I guess


I guess, I think getting a side job lah cause right now COVID everyone freeze hiring right so, just take any job you can, earn the money get a side job, and invest wisely


even you don't invest wisely, the market will be back lah so you still earn lah


twenty years ago ah stop clubbing ah, ya lah ya I'm twenty years old mah ya stop clubbing ah, stop wasting stop wasting money unnecessarily, I guess, like I feel is okay to enjoy life


but like don't , I don't know ah I I I think, just do whatever you want honestly, that was five years ago lah, not I know, no cause if


if is too suffocating is also not like, fun mah your life, you save save save then at the end of your life you don't you don't use anything, right is okay but there's no advice like if if


like I feel that I'm okay with my situation now so everything I did, then was okay like I wouldn't give any financial advice, maybe just get the critical illness first, , so it won't be so expensive now


not really lah but maybe insurance start earlier lor, then the then the price will be lower also, cause I I said I still don't I still don't deem insurance that important now but I know that if I get it late is going to be damn expensive


or


that's why ,


oh I didn't ah I started after poly, ya it's no as in like I started after NS


then I get insurance


like it was I think was only in uni then I research on the interest rates and everything


but you know like with all these like you know I researched all the rates right, then how do you deems like someone, like is, ready to take on a credit card or like


like do you think one person should own lor


I feel on, credit card ah, it must really, the benefits must really be in line with what you want lor, then you can like successfully, benefit from it, if like you don't like to travel then you get air miles also no use mah


ya lah but like, but, I guess someone must also be financially stable lor, like you can't ask students to get credit card one we can't we cannot ya you can't ya there's no point in it


ya ya per month, but like if we use cash to pay all, Kopitiam food or Cai-Png, then , won't use credit card


auntie milo milo Peng


stop borrowing money lah for for for sure lah the first thing, stop borrowing money to, to repair money


it will just be like, ya, cause this is what they do in hong kong, like, I have family in hong kong then they say their relatives actually borrow money , to pay off insurance then I'm like what the interests


doesn't make sense then like you know, people there like their will is pass down like like normally will is pass down asset right their will is pass down that one, ya ,


ya so stop borrowing money to, to return money lah then also like get a job and really plan out, your finances like really really well, if you need a millions ah


I'm guessing the debt is legal lah so , ya so


hong kong ah hong kong , , uh I guess that ah, I really don't know just, change your lifestyle don't don't spend so much unnecessary if you need to eat white rice eat white rice


then goes back to the question of the saving is it


post COVID ah I would never do delivery again, is so expensive, ya grab is like I buy one maggi Goreng five dollar the delivery fee eight dollar


got and still got minimum charge, ya, post COVID spending ah


I guess I'll splurge more on myself since I saved so much now, probably in travel cause I like to travel , you you eh


depends on whether we get jobs lah really depends on whether we get jobs


honestly maybe get a car cause now like grab grab grab grab grab maybe get a car, get house first ah


part three negative experiences, okay


do you have any phobias


I guess for me it will be losing a loved one, because like some of the time like it's not every time, it is like oh, a build up a build up to the death what so every time like, I lost my dog it was uh


heart attack overnight, yeah and I and I was at a party so, didn't get to say goodbye that kind, so is very very like uh, I don't know whether is regret, or what but like


uh I feel this kind of things we cannot predict, so, how do I overcome these I just spend more time with my loved ones oh, like in case, the next second lah I just lose them, I have no regrets ya


at least be present lah, be present around the people you love lah, (hmm) ya not not regret lah everything you do in your life will build up to the person you are but then uh


I guess when you're with them just be present don't like keep using your phone around them , ignore them


what had what is the most traumatic incident you have experienced in your life


uh I guess this one is really the feeling of unpreparedness, like I went to school normal normal day normal everything and then, uh they just the teacher just told me uh jacob are you ready to present, and I I was I was not prepared at all cause I thought it was like the following weeks


so ever since that incident I still winged it though cause it's like a , is like impromptu speech stuff, kind of slides I just didn't have slides, so I made up an excuse to say like my computer crashed but I still wing it


but uh I guess this really taught me, to be prepared for anything in life and also time management


any traumatic incident happened in your life


like don't know what to say lah, but what about like let's say, there's one more incident right that you've witness, but you kept quiet about it you didn't say, like was there a incident like that


I mean I guess this happens a lot


when everyone is on alcohol, like, I've seen (ppc) excuse me, I have seen girls that uh get taken advantage of, but I know I'm in no position to go in


did you get that ya okay so , I many of them this happens on uh when you're on the influence of alcohol like , in the night scene I always see like, girls getting taken advantage of but I know I'm in no position to jump into


help, no what if she's his girlfriend, (ppc), or like what if she wants it, or what if she's the one that approach him, I don't know the back story mah but I all I see is him


touching her, ya so I I guess that is one thing, I've witnessed but I just like turn around and like that's not my problem I'm here to have fun with my friends, ya cause honestly there's nothing I can do


you need more, also cannot also cannot recover the bruise, is that your is that your incident


I guess this always happens in a relationship


, like you just say one thing wrong and then although the relationship can continue, you know that that scar right, the girl can the girl can always like bring it back and like that you you can never apologize for it


I'm not sure if you feel the same thing


like you have your BTO you have your, marriage, potential kids potential pets, ya (ppc), (ppc), either either way lah but like what do you think is the biggest thing


what's the biggest thing holding you back from your goals, other other than COVID nineteen and getting a job


would actually be, just settling down, I guess no but anytime but like as long as I get like


I I finished my life with like happy family, , donate huge house but like, happy with my house happy with everything lah I think similar to you freedom but like, as long as I'm happy with my life


I'm I'm not happy with it yet lah , I'm not there yet, cause I'm not there yet ya, but I feel that it's a progressive thing and I cannot like, and disability or the more I rush it right


cause it's not about like the house I want is about the happiness I want, ya and this in, no worries in life I guess, like even if there are ya if even like things were to happen like bad things were to happen


I guess we were I always known like people around me got my back lah, (hmm) I I feel like people that surround you is very important, ya, which also brings me to like some my next point that like


there are some people that disgusts me a lot, because they uh they kind of like, use people for opportunities I guess, in a sense lah, for example like let's say


like I told you I dance right, so this person jumps around popular crews like dance crews, after he's done with one he gets the fame he moves onto the next one opportunists lah, and I believe that this can be applied a lot around


everywhere like they just talk to you for the benefit of it and once you are done, they throw you aside, so that is something that disgusts me like not real people lah


being your friend, ya what about you ah is there like anything that disgust you, don't don't have to be about people lah but like


goosebumps, I I don't really relate to that but I understand that there is that phobia, but


ya ya ya ya, yeah so , I guess one thing that gives me goosebumps would be, like, I'm very influenced by the


I'm very influenced by inspirational people, so like, you know those ted talks, like when they say one very very good line right then it would be, , I'll get I'll get goosebumps


but if if I were to choose a negative experience to get goosebumps, it would actually be the disgusting people I mentioned just now


maybe is the same person lah I don't know, but was there anything like you know you drive right just now, like was there another event that made you very angry


keep making people angry ya


for me ah like I think my temper is pretty okay, coming from like both of us have been on the front line lah of the hospitality industry, we've been tested lah a lot, but I think one thing like you can scold me but you can't scold my parents you can't scold like


the people I love, ya that's why I think one incident, was in army, like my, for no reason lah it's it's not even scold me for, reason one, no reason then my


my D X O scold my mother , I don't know like uh, like I just slacking around mah but there's nothing to do then I think he, he said <mandarin>你妈妈没有教你:ni ma ma mei you jiao ni</mandarin> ah


ya he blame mother then like I just you want to ask me do things just ask me to do you don't like, ask like blame my mother like that then I shout back lah, then I get extra then I get extra, but it was a well well worth extra


eh mother father must defend one lah, it's not if defend country for what I cannot defend your own parents


procrastinate or just don't do


positive experiences


how about you this you start by describing a travel experience that's left you in awe


is is a trip that you have gone before like


uh I guess one memorable trip will be my trip to boracay, like this was before it renovated it was my poly grad trip in twenty fifteen, ya then I think very similar but like I woke up next to the beach cause I really like like beach beaches


and like, it was really cheap lah although like, it's cheap, and like the currency in philippines is like lower, but they still try and scam us at mark up rate, , so we got a local to bring us around I'm still in contact with him on yahoo dot com


like ya, ya yahoo email ya so he was the one that planned everything brought us around he even like drank shots with us at the end, make friend ya so it was really magical lah I got to cliff dive and cliff jump cliff dive eh


cliff jump like twelve meters high, and then like ya while going down right, , I remember I cannot swim, open sea eh


ya but okay lah minimal can make you back assure that , I never think I really never think I just jump, never never never never


we young


uh, ya your luggage insurance your don't want lah save lah, like two meals eh ya


ya you start first ah


dislike that ah, cause you know I dance you dance uh I dance also mah so, in US there's this like either, like very very very good one like world famous one, choreograph for like those K-pop idol one


then she had this like course, like only like twenty people in the world can get in, then I I got then I got in, both ah recognition from your either selected by your either !wah!


uh, june actually or may, ya it was eight AM


every time eight AM cause it's their like PM mah, I was the only one from asia, pro dance ah pro don't want don't want travel already, travel to dance


my my passion is to travel and dance oh


outside of outside of passion mah like, ah ya ya ya ya then, two lives come together


I guess while performing I get to be a lot of different people a lot different roles, so like it kind of like, brings me out of my current life, and we lit very put it to recharge at one corner


ya lah then then every time my all stage then the person rest also lah, playing basketball or soccer


is it drink in drinking wine or


what kind of cheese, what is it about cheese that you like


very energetic ah, revives you ah, so it calms you down lah


then is that the same thing that, makes you want to be alive, the cheese factory cheesecake factory


I guess it's the simplest question like why we want to be alive every day we just to, be around our loved ones, ya I guess, like your friends your family girlfriend, boyfriend


whatever like as long as they're there I guess is a reason for you to be alive, suddenly from cheese until so deep


I guess change agents, you can't be, fixated on one dot, change agents should always like, the flexible, for mindset I guess


oh no lah not keep changing your mind that change lah but like you want to change the course mah


so as a leader you should like take in everyone's input and, also continuously strive towards the strategic direction, I feel as long as you reached your final goal


or the the detour there I think it's fine, like to shift around, like, it might not always go according to plan mah it's not always a straight road, you might need to take a lot of roads like the bush path lah dig your own road lah all those


but then, I think as long as the end goal is always there, you can be flexible not in terms of like your goal but like your route to go there, (ppc)


that flexible in life, but you done sia okay but like uh


let's just say that, secret skill ah, I guess my secret skill is like I took a test before and I also, agree with it is inclusivity of people


like, I guess that's why I study hospitality, it it both matches hand in hand and I cannot take it like even if I don't like the person right, I feel that he should be in the conversation , ya like some part of it I


even if our lecturer is like beside us eating, our lunch like


I would try to engage in a conversation just maybe one or two words do not break the ice of oh we are the cool students that, we're going to see him again in twenty minutes but not make a conversation, ya we are cool but like he's not cool of us


like everyone must be cool with each other, yeah, not cooling lah making people comfortable with each other lah, ya


what about you leh what's your secret skill,


guess guess the power, then you can just suck it throughout right, one one feet


you can Kiap and then feed it ah, !chey! then you use your hand already,


can can can I can use my hand, no lah #yi tong#


uh somewhat ah, what else what else amazes me ah, like I I we study business mah, so like those millionaires but like twenty five years old right and then I'm just sitting here like thinking about my one percent right


, is pretty amazing, ya like, I like to study how people succeed or like how how people fail also lah, so , I want to apply that to my life try to become a better person


and earn more money, money is key, yeah hello yeah money is key in my life so I want to learn how to, earn money from other people


like from entrepreneur ya entrepreneurs or failed stories also okay so I won't do it, ya


ah


ah, (hmm)


oh so you drive around lah


oh ya ya of course of course


so do you drive around to like, eat eat your favorite food, hokkien Mee do you always rely on it, to like cheer you up no ah is that like


oh so you eat hokkien Mee then you happy, uh I guess my comfort food, I don't know I think cherry tomato ah


ya has a small one anytime anyplace, that's the favorite part the juice squeezed out


ladies finger also lah


oh, you know we talk about all our special abilities right, like, but why is why do you what do you love most about yourself


like you have to rise to the occasion lah, I guess similar but like, I feel like I'm a sponge


like , I will reciprocate whatever the situation is given to me although sometimes I need to rise to the occasion like you lah but like if someone gives me like, negative vibes, I feel that I should take it in


but I might not need to squeeze it out, like like, no lah ya I don't want negative versus negative mah I just take it in lor, then like wherever I give back then okay [loh], you don't two people like


part one financial related topic


what advice would I give someone oh actually from what I know there are a few ways lah you can uh top up into CPF you can uh you can you can top up into your SRS and uh can do some uh


charitable donations actually that all I know ah not very , uh well informed about the tax stuff


then how about we move on to something else, okay then , man actually how do you manage your cash flow ah like how how's your income allocated to your savings expenses and uh insurance investment


(hmm) for my case similarly I'm also paying more than I should for insurance due, to the CRAR what's that CR adjustment ah ya, that was a good way for them to earn money ah and then uh how do I allocate my income actually I save similar I save almost fifty percent uh


then I invest, another probably thirty percent, then my no my expenses should be forty per cent sorry then I save sixty including investment, ya


ya that's that's probably how I allocate, like what's inside my expenditure ah, oh actually mostly on food ah based on my record it's just uh food like everyday food uh I don't really travel a lot cause of COVID


then uh pay, ya I think just food I had I I don't I I don't buy anything else much also unless like big ticket item ah like phone or whatever to buy that that that in that month ya if not there's nothing much to spend on also


oh okay so let's say if your saving is ten thousand and one hundred dollar is peanut lah


oh so so if let's say you you go to uh chatterbox and eat thirty dollar chicken rice you are okay ah since it's only zero point something percent


alright


aviva myself ah actually , actually of course you just get a financial advisor to help you do all your uh finances there's supposed to be managed by your financial advisor so what do I mean by that it will be basically insurance


and uh if you are not well informed then you can just pay someone to invest for you so that's that's why they are there well that's why they are there for anyway then on the other hand your personal finance I think you better do it yourself lah better DIY, ya I mean it's personal finance you know and everyone should should have that knowledge to manage their own money ah


ya if when you if you have that own knowledge to manage your own money then then you know that you can spend one per cent of your whole savings mah, ya I mean if you can't possibly have a financial advisor there to like tell you every single thing that you should spend or should not spend on you know


ya you transfer all your money no ah you don't transfer money mah


what kind of crisis that you'll need advice


so you buy you buy from both ah


as in the purely critical illness plan or is it a life plan, oh critical illness actually that that plan also not bad ah, the plan is not bad that plan that plan that plan covered a lot of things


as in for the CI ah pure CI plan, okay then how much yours ah actually month actually is it sensitive to say


actually same lah mine after after discount also like hundred one zero zero, uh four zero only oh eh good eh, ya mine then mine if the the first year gone I think is like one one zero


something like, ya but but my coverage is like, , early critical is Kena the, early critical and a pre early critical that kind


or like if they if they Kena also ah, but okay actually I'm not very sure about that if mine have or not ya ya not bad sia shit lah, should have gotten yours instead,


and that's not hard man that's long hard eh eh you know shit I think we are leaving topic ah I see still is still finance


alright uh of course you can, work on yourself improve your skills use the skills future uh, or use the SIT credit that you have go upgrade yourself go take the the


if you fall and eight module after graduate post graduation you know and work more ah invest early work more invest in dividend, then ya lor


yeah it's just how long can you hold, you have to arrange your money the right way, (ppc) okay then if let's say you know like now we are talking about financial stuff right then what's one thing that you tell uh the


that you five years ago in terms of financial advice, five five years ago, the the the ya twenty years old stop clubbing ah


no but that's not a financial advice


but that's not a financial advice , , uh there's no advice okay


ah you shouldn't start earlier, oh okay then


I know why mine is more expensive already, cause I smoke, then there's a there's a extra there's a extra charge on it, cause like smoker easier to die, , yeah oh ya ya ya shit ya one financial advice


for me will be stop smoking, uh a lot of repercussion is spend money on cigarettes then you need to pay more for insurance, !wah! shit that hurts eh sorry I say that word ya but it hurts


(ppc), ya then another financial advice that I'd give myself would be no actually I started deem already uh maybe start, ya when I twenty is after poly ah


or after NS, after, no I got into my insurance during NS I mean start start early in terms of uh uh


doing investment, like you know the compound interest thing ah ya the early you start the the more you will be reward the the benefits so ,


okay it's not it's not too late you know there are still people out there who, still don't know this kind of thing, is good lah we're we're doing fine


how do I deem ah or is it like a credit card is good or not for me to get, ah actually actually yes eh, I mean like you know you you you hold a credit card you have a lot of uh benefits and cashback and uh


perks ya even though a credit cards will get you into trouble ah but, as long as you have the discipline to, manage your finances I don't think is a issue and furthermore, you know you you own a credit card, with a bank and you pay


up on time, uh all the time they actually kind of, a kind of boost your your credit value or or credit image in the bank something like that then then when you need to make you know uh


big purchases like for house then need to do need to need to get some bank loan right actually uh, make it easier for you to get a bank loan and


I mean like you get air miles now you also cannot travel, ya, ya there's no point lah


ya because you get credit card still need to hit right some minimum requirement for spending right a month


bro don't don't don't make sense imagine you go to the aunty like, uh <mandarin>一个:yi ge</mandarin> , milo milo Peng aunty , visa, tap tap


okay then you know like what advice would you give someone if if like if to get him or her out of debt, stop borrowing money


stop borrowing money to


but if let's say your debt is your debt is like, that much right then if you get a job, you, you can't possibly possibly you know pay pay that debt


ya I'm just asking I'm I'm not in debt, , but you seem to quite you do know quite a bit eh,


actually in debt and you want to get out of debt, and no no no no is is is not going back there but like in terms of like post COVID what kind of you know spending habits or saving habits would it change


as in buy delivery food ah, no bro the maggi Goreng is like seven dollar


but you go there buy is four four fifty, ya , I I understand I I I have the same uh what's that same decision to make consensus ya it's really very expensive


okay ,


same here I probably spend more of myself I probably on basketball cause I like to play basketball , maybe I buy myself a basketball or basketball pair of basketball shoes ah


no lah I mean further down like a look looking to settle down and get a place so, post COVID I'll save save even more lah and furthermore post COVID you know you you cannot go out that much, actually uh until a vaccine ya


until the until the vaccine is out everything is going to be like like now, you know you go out little and, you spend not as much as you spend prior to COVID ah so just save more get get a big ticket purchase


actually depends leh


stop to recording


part three negative experiences


yes I have phobia of failing, ya because you have you you don't have nothing much to lean back on, you you you get where I'm coming from you know like like when you


let's say if you go out to try these certain things see certain thing , if you fail then that's it there isn't like a plan b , for you to like go go back and do not not like a lot of, people out there like they they might have that's why they can go out and like try whatever they want then you know


when when they fail they can always go back to a very comfortable place but it's it's not something is not a it's not something that I can have lah so it's really a bit phobia there


don't do something that you'll regret lah when the time comes


I I I get what you're what what you're trying to say, this is tough this tough, what's the most traumatic incident ah


how about you go first I'm also thinking, (mmhmm) (mmhmm) okay cool cool traumatic incident <B>


(hmm) I think it'll be just few weeks ago when I was driving that, that this I was driving at night ah like three AM I was on the way home eh no I was on the way to, to to like eat my supper then you know like


ah is a is a is a junction ah is a junction, so I'll I'm going straight then after that, you know on their on on the opposite side, (hmm), if the car want wants to turn into the other lane


so like you have to wait for me to you know go first then you can turn, right, supposed to be like that right ya then after that, I'm I'm really nearing you know I'm really nearing I'm at the at the line already at the pedestrian crossing there


then suddenly right this car from not the turning lane like you know the the most right lane is the turning lane right where you wait inside the pocket then after that you turn this car from, the lane beside the turning lane suddenly appeared eh, and just made the right turn and just


you know just, right in front of my car like really just in front of my car if I if I drive like just a bit faster right that's it already is really that's it then like me and my friends will just all, like KO


ya that that was really quite traumatic ah uh ya traumatic I'd I'd say, like I I don't even know is like you know I don't even know what else what else to say just like ah okay then ya really don't know what to say just like !wah! that was very close eh


you witness but you didn't say, that


uh actually not really eh I in in my in my memory


sorry no I didn't


oh or what if like she wants it lah, but that's okay


ya there's nothing you can do ya I mean really is always like there's nothing we can do ah I I've seen like people getting getting a, getting punched getting (ppc) getting bitten ah and I just walk away


I mean like what else what else can I do right, ya you want me to call the police , (ppc), ya I mean that guy also


ya I would say that's my incident then I I can't really think of like anything else you know, then you know then how about like can you tell me about a time when you feel like you have committed something wrong and there's no way to get back on or start over


she not not really eh I don't really feel the same thing but I I I get (ppc) where you're coming from ah, (hmm) no there's you can there's no way to get back and restart over just basically about regrets ah I would say


and the other of things that, ah there are a lot of regrets in life ah, you just just move on and don't let this regrets hold you back oh, (ppc) I mean this regret should should push you to


do even better so that you won't have that same regret in the future I would say, yeah and and that's what uh I guess I'm doing now ah cause similarly relationship stuff


potential kids maybe no ah, ya, accident accident I would say, what is the biggest thing that hold me back from my goal ah


what's the biggest thing that's holding me back from my goal uh actually nothing, not my goal


my goal is to live a, a life that I want, and basically freedom ah I'd say basically freedom, and uh, what kind of freedom it's really any kind financial freedom and whatever freedom ah basically I can do whatever I want and the key thing is I can


don't do, whatever I don't want to, I think that's the that's the that's the, main the main jeez of it ah, cause like if you can, uh I've heard this like if you can do something that you don't want to do if you can don't do something you don't want to do that's like the coolest


you do something you want to do that's cool if you can do something that you don't want to do, that's the coolest ya, basically like that there's nothing much can stop you from going to your goal lah as long as you work hard on it ah I would say


oh you know that okay


then how how how do you how do you define like this happiness


(mmhmm) (mmhmm)


just like making use of you ah, they they be nice to you cause they want to get something out of you instead of like really treating you as ya genuinely treating you as a person just using as a tool to move upwards


!wah! that's really disgusting eh, a lot of thing disgust me, uh people wise let's not go there


uh ya it's around the same line I'd I'd say I'd say (hmm), you know like those things with a lot of holes, !wah! now I'm suddenly having a goosebumps ya but but you you get where I'm coming from like the hand with like the hole hole hole hole hole hole hole


!wah! that's one thing really disgusts me I I don't know I mean, it has just look of it like you know somebody some some some other people they see like just like that lah then when I see is always like , goosebumps, and !wah! okay eh !wah! I'm having a bad goosebumps ah


, like it comes along with that you know that that styrofoam sounded eh eh eh


!wah! seem like you have a lot of this kind of a disgusting people in your life ah


oh all the time and when you're on the road you know you know what they say like if you are on the road and you don't get angry right means you are the one making people angry eh ya , sorry ya so ya uh what makes me angry


oh okay one thing is when people make me repeat myself like three times like for the same thing with with no with no like valid reason with no valid reasons I I really hate I really don't like that lah


I mean like let's say if you're you want to talk then , then uh, then you want to use your phone then you don't want to listen, ya then I tell you like two three times already then you still !huh! what do you mean !huh! what do you say what do you say !wah! I


really just want to smack that person's face ah if you want to talk then you jolly well listen up ah, ya


!huh! why


!wow! !wow! !wow! !wow!


ah ya then you make me remember one thing one thing that make me like, very angry right is is like when yes in NS is like when this person or actually in life not only NS ah you know like when you're supposed to do something but then you don't do


not procrastinate like like group work like supposed to do but I don't do, ya so similar is like for NS like what happened was like the whole company everyone like trying to tear down and clean up the whole place then this fella ah


standing and watching TV inside the air con room then he suddenly come out outside then he stand like second level then look at all the whole company like very busy moving around !wah! that one really very angry eh there's someone that that guy like for first sergeant


ya then I I third sergeant ah then I really !wah! damn angry then I just stopped ah in the middle of like the pre square eh then I look up then I point at him I said eh then I shout eh you come down now , then he like shocked lah then he will be like look at me then I say no you just you shut up you just come down then he come down like that I just scold him


in front like of the of the whole company, ya but thankfully I didn't get extra, cause the the higher ups above him right agree with me ah so they just they just keep quiet ya they just keep quiet, then they say it's not right lah, in a in a force then I say okay lah it's not right in the force ah but I don't give a shit I don't like ya I don't care


ya there's a reason why you don't sound on I don't sound on ah, then not, not suitable for disciplinary stuff ah alright


part two, positive experiences


a travel experience oh the first trip that came into my mind would be the trip, !huh! how do you mean by is my own trip


oh yeah it's a trip that I gone before, but I'm I'm I'm I'm, choosing between two trips so okay I'll just go to the one at uh komodo island then, ya so , I get to see you know like pin beach and manta rays actually a lot of things it's not something that you can you can find in


the usual tourist attraction so it did really left me in in awe and it it wasn't a very expensive either , then I spend like a a good five days four nights on the sea, ya so it was a very very great experience I I


I wake up then it's just like you know, sun sea and kino beach ah just sun sea and the boat ya so it was really fun ah with like five other couples from different countries and make when you make friends and and spend time together oh just us and the nature


how about you since like you are you your hobby is travelling


!huh! you cannot say but you jump down, but you had you had your you had your what's that the


the jacket on ah, you didn't get a jacket !huh! serious, !wah! I mean I I understand ah when when when we're young, the thirty dollar insurance the thirty dollar travel insurance like !wah! very expensive


yeah like before you check out from the the the airline then they like, do you need an insurance, !huh! thirty dollar ah no


expensive if now ah no insurance I don't want go already, (hmm) let's see, eh how about how about this uh describe a moment when you felt the luckiest


okay let let me start first ah let me give you a, an an example, ya uh


the moment that I felt the luckiest was, uh twenty eighteen world cup, that world world cup final where I turned five dollar into one thousand dollars , , that was like the luckiest luckiest night ever I I I like the luckiest moment I felt in my life


I was sitting there like the the the whole the whole uh ninety minute then like the score just out of nowhere turn out to be the score that I bought, then like eh I'm one one one thousand dollar richer that night for five bucks ya


!wah! is that is that the luckiest or the proudest moment, but when when was that when was that course


so is is like over already ah the course, oh !wah!


so your hobby is dance right it's not travelling right, then how how about your hobby then, , oh travelling ah oh


oh dance is passion ah then, traveling is hobby ah, ah, ah I see so is that also your favorite activity to you to unwind and relax


oh really I mean like you have to, be somewhere else and not yourself eh then you feel more relaxed, ah so you're on stage you don't need to be yourself right then that fella can rest, ah me ah


I'm not both ah even though playing basketball is my hobby and, playing soccer is my passion but both are not the activity like to, to let me unwind and relax, uh from


uh no no no no no I, I I don't really go well with alcohol so this is not one of, my favorite activity I usual usually I go with , (hmm) you know eating cheese


ya cheese that's that's how I, like, mozzarella cheese, you know you know when you when you put a cheese in your mouth like that cheese the piece of cheese just just melts


and you feel very cheesy at that point in time, it's not really energetic is unwind and unwind and relax bro it's like you know unwind relax with it


ya, it it calms me down , like that when you have your cheese in your mouth it just feel like, , the world is in the mouth lah, ya, and you have everything under control


uh no then that that'll be a different thing, what makes me what makes, what makes me what makes you want to be alive


this a very deep question you know I've never thought


who makes you want to be alive, ya, I would say a purpose in life, my purpose in life is to be a change maker, I I want to change like certain things that I don't think


like the world should be, and with that I've learned about being a change agent, and , I hope that I can be that change agent with certain attributes, to, do you know bring about the change


are there certain attributes that you know of like change agent should have should have


but but if you are always flexible then , then you would would you get that change that you want like you, !aiya! I want to change today tomorrow I don't want change


continuous strive towards strategic direction


(mmhmm) (mmhmm)


and you you mention like dig digging path and bashing is is that is that like a skill or ability you secretly proud of having


is is is is there an example


oh yeah we're cool and, alright so so your secret skill is actually about cooling ah, making people comfortable with each other


that's nice, secret, skill not a skill as deep as yours like you know not not so much into, like life interactions


but you know mahjong tiles, ya I can I can like I can I can <mandarin>莫:mo</mandarin> the mahjong tiles with my with my feet, no lah as in like you know you don't even need to see you can like touch the tile then you know like what's ya what's that tile I mean doing with hand is is very simple ah


but I can do, ya bro but I can do it with my feet, that's my, ya like like you know my my toe ah, ya use my toe


no lah as in I put the I use my hand to hold the thing then I like use my feet to to feel ah, lame then you try ah use your feel use your use your toe to feel the tile I think you use your hand also cannot ah ,


like like what #er suo# ah, , ya bro so that that's my secret skill and ability that I'm proud of, very proud of actually but does does that amaze you


if not if not then like what else amazes you


earn money from other people or like like success stories ah


don't know lah that's that's like a everyday thing so nothing special about that what amazes me I'd, say , no actually I'm not that sure eh what amazes me, anything about singapore oh yeah actually I'm very amazed how how


they can like not issued a fine when they don't want to , like you know uh outside my place you always park the car like illegally like not in the parking lot then then normally they come they will just like you know saman everyone


ya but then sometimes when you don't feel like it then they just come and issued the saman on your on your car right then when you go over there and read it's just uh this is a warning I hope that you are like learn your lesson ah something like that


ya then they do that on like like twenty cars outside then I'm like !wow! okay that's, amazing like what would you do that, ya alright why would you do that right


(hmm) yeah most of the time I try I I drive lah and oh yeah and some of my money actually go to you know petrol


ya definitely my favorite food my favorite food is, hokkien Mee yes cause


actually not really uh kind kind of I mean, is a, ya ya ya I just eat I happy already lah I mean #hokkien mee# for #hokkien lang#


cherry tomato, !wah! you know I hate cherry tomato I don't know I just I just don't like that you know that slimy slimy things like that that, uh I don't know man just just not not my thing I mean it works the same for for you know uh brinjal


like as long as like a bit slimy slimy one then don't go well together but ladies fingers is fine I don't know why ya ladies ladies finger is fine it's not that bad


what do I love most about myself ah that I am, like water, ya you know, like a water I can go into any bottles of any shape that's what I love most about myself and what I learn about myself actually when I went over to china for internship ah


(ppc) ya you know like about fitting into different culture and try adapt to a different environment uh I mean it's a very important skill and and when the time comes I mean it's not when the time comes ah actually


it's something that you have to do ah everyday ya at work and anywhere it's it's about on that thing how about you


why then that will that will be negative ah, but negative plus negative is positive


ya financial related topics


probably I would see uh I I would I would I wouldn't be as short as one year probably should be about twenty four months, to see yup


uh ya I agree with you


as for me as for me as I do not have much reserve so I, wanted to make sure that uh, , the risk that I'm taking is actually quite worth it, because I I can't afford to actually


lose so uh , before I take this risk I make sure that I do a really a a a a homework on whatever product that I'm investing in


no I'm not interested in tradings, trade trade doesn't interest me


me too I do not even think about this uh investment strategy at all


ya me too because uh I I it's not my cup of tea to invest in stock market because for for me personally people who really really have the, capital and have really really have a lot of money they were the one who can do that not me I'm just an average


ya and it's actually it's a it's a it's a it's a, it's a very big risk, that's why uh ya, I believe that's not for me it's not my cup of tea also


for me uh my only investment is what I have in the CP CPF investment unit and that is actually for rainy days


I think that is everybody's mindset they wanted to buy low and of course they wanted to sell it at a higher, price so that they can gain more profit, uh ya, other than uh no that I know of


(mmhmm)


what was the question again sorry I can't see because it's too small, it's a win-win situation ah so , it's a must have but


you must uh, uh you must uh, spend it wisely and uh you know how to control yourself it can it some it can get out of hand but for emergency use of course it's good


but some people just can, go out of control and spend unnecessarily and you will ended up in a bad debt


I agree with you spend within spend within your means , and err


ya unnecessary giving you stress and everything so uh if possible just use, when you need it, uh, especially when you wanted to travel you wanna book for


certain hotels that's where they need credit cards that is where you need it but other than that I don't think is necessary , it's uh it's better to uh it's wise to actually spend in cash rather than in by credit card that's what I, believe


aini aini please please, CPF contribution contribution is actually good uh like what you've mentioned it is like a forced saving but


err, it is uh it is where you are actually able to, it is, it is a forced saving but on the other hand, err


I felt that they should do something more about the rules and regulation, it it it it uh it benefit us but uh they should change the rules and, regulation about uh


about the CPF thingy


ya like what I've mentioned before I have actually invested in my CPF investment, so I I actually put aside some money in my CPF investment unit so this that is like for rainy days in anytime like in this kind, what kind of time whereby when someone is out of job you can actually use that money to pay off your house loan and everything so that is where it is useful


it's all up to the individual lah but some people they they, ya other than that


so all those helps ah


that's what I believe also uh maybe you can set a budget and then you pay your financial advisor to to to advise you, rather than you read up and then you took the wrong turn then


ya from what I can see uh in order to actually gain more I mean to to earn extra usually people would actually go for extra job extra part time jobs , they do grabs they do hitch and nowadays a lot of people actually resort to home-based selling whereby they actually


sell from home, uh sell, some foodstuffs and everything and err, that is where they actually are able to earn, err and and, it's actually surprisingly it's actually it's uh it's actually a good


, a good idea to actually start up a home-based, because uh uh of uh uh it's it's a it's a good idea because uh you don't have to actually come out from your house you know to actually to to earn extra so ah ya


honestly uh I felt that uh I, do have difficulties in also saving because uh , uh living in singapore standards are very high uh there are so many


things that we can we we need to pay and having four, kids is no joke so ya I would love to save but unfortunately I do not have the means to save


I I agree I agree with you with this difficult times and with this whole


uh post COVID, uh situation uh the main, point is actually to put food on the table so as long as we have enough food the children can go to school with enough all the the things uh I'm thankful but uh I hope to see any changes in five years time I I'm I'm I hope that I'm able to


to save up and see some numbers changing in my bank account


I hope the economy would improve


uh I will get more increment more benefits, ya, and and that is where I'm able to actually save more


err it, for me fixed deposit doesn't really, doesn't really give you higher returns


but some people just love to put their money in fixed deposit uh but this is to each to to each, his own, I I've got no comment on that


for the topic one for the first topic


so it starts small ha, it it's a good idea because uh that will actually


uh they they they would learn how to be more uh, independent and you know, by saving that is where you know


it can uh actually benefit them in the future


ya via podcast, correct ya uh, I listen to this podcast, called #malam seram# and uh, ya I enjoy it even though I'm scared even though I don't know uh I I was I listen to it podcast


I enjoy it but all the stories, that they shared uh actually scared the shit out of me, I I mean give me goosebumps, even even though I'm scared but I still want to listen to it how about you


but what do give you goosebumps, anything that gives me goosebumps sometimes when you read something or it's so emotional then sometimes it can also give you goosebumps what


so far I do not do anything that is gravely wrong and I am not into that never been into that situation


so you felt that is your gravely mistake, because you do not, spend wisely you do not , uh do your homework before you spend, is that what you were saying


an event, when I come home from work and I see , uh my whole house uh, like a pig sty that will make me so angry, because uh having to do everything alone is no joke


without a maid so this comes from a mum point of view ah, so that is an event that really, situation whereby makes me so angry and pissed


they just override you


dirty people people who err, who don't really uh abide by the rules people who are so dirty they they do not keep themselves clean, sometimes you went to toilet and you can see uh


people's personality just by going to the toilet and you can see how they actually uh you know, uh treat the public toilet, ah that that disgusts me, and especially with the COVID situation, I think everybody should have


uh practice more cleanliness, uh wash wash your hands more regularly, so ya people who are not clean


I mean they don't practice hygiene properly


you mean they they smoke inside the toilet cubicle, and then the whole smell, overpower the whole toilet, ya


so as a non-smoker ya the the smell can be very disgusting and something that you cannot tolerate, ya, I can relate to that also I also cannot smell, I cannot even tolerate that kind of smell


ya it's better now, actually outdoor they actually in the Kopitiam they should actually ban people from smoking don't even


uh you know, have the mind to actually set aside uh this the these corners for the smokers, because even though they separated the place, uh uh non-smoking and uh smoking area


still when they smoke the smoke will go to us so defeat the purpose that's what I that's what I I feel lah, so if you want to go and smoke you go and smoke at one corner whereby they make like a a yellow box then you smoke at that one corner, you don't smoke at the uh premises of a


you know, of that uh food food court or or the Kopitiam itself


the invasion of palestine, ya that's what I feel also, it is not justified, and the world cannot even do anything at all about it everybody have their ass to cover


the security the security of our job ya, there is no assurance, to assurance to uh there is no assurance whether whether we can actually have this job, for a a long period of time


err, having to, move out of your comfort zone, uh the uncertainties of the COVID numbers


so you felt that your anytime your company might fold up, uh your company will fold up and you are asked to, to go ya, because now there are so many uh, versions like either you were being laid off


I I don't think there is any retrenchment package or compensation packages right, so worst to worst now the companies they will just laid you off that means laid you off without having to pay you anything, am I right


and my biggest concern is also, when my children, goes out to school, uh the, , how do they deal with, uh


this COVID thingy, are they at risk, even after putting on mask and shield, are they at risk of contracting COVID because uh, we read reports about people


who are asymptomatic, they don't even realize that they have it but you know life, goes on for them they still go to school they still go to the supermarket and then the next thing you know, oh this this person has actually go here and there go to this school and everything so


I'm actually also, I'm very concerned about that, those people with asymptomatic


we practice more good hygiene washing the hand sanitize, ya wearing mask, et cetera yup


as for me I do not know whether I have ever hurt a a, person's feeling, because sometimes as a human we do talk and sometimes when we talk we might get out of hand without us realising it


so it's actually good to know that the other if let's say we are we we have hurt the other party and the the other party actually like, you know, hint to ask or tell us cause like for me for me my experiences I do not even know whether I


have hurt anybody's feeling, something that I should learn of lah


something that when you plan, ahead, ya it never happen so very frustrated, maybe you might have planned months or years or days for it to happen maybe some special occasion


but, unfortunately it didn't happen or, go as planned as you wanted it to be so can you imagine someone's frustration


maybe maybe some unforeseen circumstances


can help can help them


it is actually within your means, we have the we we have the ability to give them, uh like a shoulder to cry on, but uh


to help out financially it's not within our means but what what you can do is actually to give them a shoulder to cry on to give them uh listening ears, and to just listen to them some people ah, some people on the other hand ah they wanted just to pour out their feelings it also


not not not only


because because men got ego women less ego, and they wanted to, some women felt better when they talk to another women, their their friend and their best friend their mothers their grandmothers or their aunties


so that that is how they can relate and, share and they learn from one another that is women but for men they are very ego ah they they of course they don't want to share all the, even the positive thing also they don't want to show


right correct or not


my greatest fear, err, my greatest fear is uh what if I die or my husband die and who is going to take care of my four kids


life is unpredictable you know and living in singapore we do not have, uh other than my CPF money and my, my property I I do not know I mean in in