uh what I'm thankful for actually I can be as actually I'm, thankful for a lot of things like uh having a place to stay having food to eat a roof over my head and then, maybe I can say what I'm the most thankful for is also having a


freelance job during the COVID situation now ya while I'm looking for a full time job I still can operate a freelance by selling things on Carousell lor to fund my everyday needs, ya so what do you hate as a kid but now love as an adult


uh I mean I used to hate like carrot yam, pumpkin but slowly as an adult I feel like I like it's not that bad to eat and then I actually quite like it lor, so what is your best birthday present and why


uh I mean I don't have a best birthday present but I feel like the , uh whenever people celebrate my birthday present by uh going out with me spending time with me like the, whole day having to and being able to, eat together I feel like that's the biggest the best birthday present I could have every year lor


so what is your biggest blessing in disguise


uh biggest blessing in disguise ah, uh ya I think the biggest blessing in disguise is uh getting into, uh diploma which wasn't my first choice but my fifth or sixth choice which is uh digital media actually I want to get into like veterinarian course or cosmetic uh perfumery course but


I didn't get into those so I feel like the biggest blessing getting into digital media because I get to learn how to do coding and also how to do design so I feel like , it is a very useful course for me ah and then I actually like it so I feel like is a is my biggest blessing in disguise lor so have you thought of yours yet


uh okay for me the more the comfort food that can cheer me up is, maybe uh cake, uh chocolate these two uh food are my comfort food that were cheer me up what about you


what do you mean by a cold dessert what type of cold dessert do you mean, okay so what do you love most about yourself


uh I feel that I like the fact that I'm able to adapt, like for example adapting to changes, so let's say if I need to learn a new skill or I need, to change a job or change the environment to stay in I feel that uh I'm very easily adaptable to the surrounding or the changes that I need to have around me


who do you who in live do you looked up to most and why


uh I think I feel the same also I think uh, I feel like in my life my mom is the most hardworking lor like she have to juggle between, uh working now taking care of us and doing housework ya so ya


, let me think uh I feel like I also feel the same about my final year project in my in my last year, which is in diploma lah


because uh I was the one doing most of the coding on the website work and then when I gotten I when I got the result I feel like, me and my group mate were very uh appreciated, with each other like uh we appreciate each other hard work so I feel like


like the hard work I put in really paid off for in my results, so, describe your perfect day


I feel like the perfect day is uh waking up in the morning and then bring my dog for a walk, and then getting what I need to be done for the day and then having a


good meal at the end of the day that will be my perfect day [orh] yup so, ability or skill ah I feel like my secret ability


or skill is uh I'm able to, feel or know what my pets are thinking when they're around me ya which some people they don't have that skill lor so what about you


uh like uh, what I mean by that is uh I'm able to feel what what, they are feeling whether they are angry sad anxious or they're hungry or whether they want to go for a walk usually I can feel without them telling me ah


so what about you what's your ability or skill that you are secretly proud of having


so uh can I ask you describe your favorite activity to unwind and relax


uh for me my favourite activity in mind to relax is maybe going to the beach with, my dog or going to east coast park, for a cycling session , which I feel that, uh it'll be my favorite activity to unwind I wish ah you don't usually do so because


most of the time I'm at home doing stuff and then I don't feel , the need to go unwind lor so I just most of the time relax at home by watching show and videos


I think the, last session was last year which I brought her to the beach to play and relax and unwind [orh] just to play at a beach swimming and playing in the sand yup


so what is your best surprise that you've ever receive


gift which is which they did not tell me in advance I feel like, the best surprise lor yup other than that there's uh nothing else lah other than a surprise gift


, I mean what I think of the uh ongoing global uncertainty is, the situation what which we are in which is the COVID and then because a lot of things are changing now because right now we're in we're unable to fly out of our country so there's a lot of uncertainty about what about the future will we be able to travel normally and then what makes me feel


I feel that although there's a lot of uncertainty uncertainty there's a lot of other areas that we are able to explore, such as uh supporting the global market so


ya so I think that's it lah what about you


ya I think when you uh say this you remind me of the traineeship that the government offer for new for young grads [orh] and those junior executive


part one financial related topic


uh so we start from the okay uh joanna continue, uh currently I invest my money just by putting money into my savings account and uh using the


interests given by the bank to accumulate my wealth


okay so uh what strategies will you recommend to someone planning for their big ticket expenditures, uh for the second questions


uh I uh I've the same opinion as well I think uh if we if you have enough uh money you can just uh buy a insurance plan or have a financial , consultant to help you plan for your big ticket expenditures


and do you have anything to add on, uh well currently I I have not thought of that before because I have not I'm not attach though I didn't think much about this uh what about you joanna


(mmhmm) probably now that uh I've experienced this uh recession uh probably , think more before buying something else and start to save more, ya and, reduce the spending on unnecessary stuff uh what about you joanna


okay uh what what do you think of FIRE financial independence retire early how can one achieve financial independence


uh for me I think that, in order in order to achieve financial independence probably we have to do some investments so that we can accumulate the money instead of just working working hard to earn money


and, about the FIRE financial independence retire early I think that it's possible, if you start to start your financial planning early and start to think about uh start to save up for your retirement


probably to prioritise probably to prioritise, the uh returning of debts first so


that should be your first concern whenever you're uh when you whenever you first received your salary so maybe you can start you can, put aside you can start a plan maybe uh fifty percent of the salary is to pay the debts and the remaining fifty percent you split into savings expenses and maybe for spending uh what about you


for me uh no I don't think credit card is necessary because which we we should be able, we should


we should be able to, uh only spend what we have so if if you have a credit card you may end up spending more than you earn so for example maybe your monthly you're earning maybe two K but credit card because you can't, you can't see how much you're you've spend maybe you end up spending even more maybe four K or even more like ten K you so you end up being in debt what about you joanna what do you think


basically what we have mentioned before is to, have, uh savings account uh probably invest so that you can accumulate more wealth instead of just focusing and focusing on working hard to earn money


I think CPF contribution is a good thing because it forces singaporeans to save up and not spend and make sure that when we've retire we still have


enough funds to , for for ourselves, what about you


okay uh how do you manage your CPF savings


never thought much about managing my CPF savings so for now I just work and then the twenty percent, will be just credit uh be credited into my CPF savings and usually I don't touch it unless it's for medical issues so uh what advise would you give to someone in order to maximise their CPF savings for their retirement


uh


probably similar to yours uh maybe if if medical when you have if you are able to pay for your medical bills using your own money, uh it's better to use that instead of using your CPF savings because when accumulated you with your CPF maybe in the future you are able to retire you may able to take out even more money for retirement


about this topic I've not have much thought about it so the only one way I know is to probably, uh donate some money uh what about you


actually I not I've no I have no idea of what is a supplementary retirement scheme so I don't think I don't have much opinions on this scheme how about you


how probably to hire a financial consultant so they can help me to plan easier because I have no experience so it's better I think it's better for me to to find someone with more experience in this area


to, to help me plan for my family and my children if I've ever have a a family ya uh what about you


how do I spend mainly spend money on food and uh on transport , yes mainly on these two and expenditure is mainly uh usually if I go out I will end up as usual I'll spend on food and I'll spend on transport but recently the one that I've been spending too much on is probably going online shopping spending money on clothes and uh some shoes


so uh what about you


okay so uh what about you do have a saving account


uh ya currently I have, uh only one savings account is under OCBC uh is used used to be a frank account but recently they change they change it to uh


money being debited into my account, so ya regarding the interest it should be around zero point maybe one five percent or zero point, zero or zero point two percent not so sure about it


and ya, and do you what about you joanna do you have a credit or debit card


uh currently I still think that saving my account in the bank is still much more attractive as compared to saving elsewhere because I can't think of much places where I can save my money other than keeping it on cash on hand


uh with cash on hand obviously I can't there's no interest rate so I obviously I can't accumulate more money, so for now the best way to accumulate, more wealth is probably to just uh put it in the bank and let the bank to do some investment for for me so by earning some uh uh fixed fixed interest rate per month


student currently I have a student loan under OCBC and DBS to finance my studies uh and since my studies has


currently ended uh I think it's , think it's uh a bit more of the uh the expenses will be if I can say is slightly, higher for a diploma students so, I think I think maybe


the interest rate for for students loan lah are actually considered, uh maybe quite high for student who had just graduated


this regarding this I feel like is is very subjective, maybe for me if I have a partner I preferably, not have a joint account because I like to manage my own money rather than putting in a joint account but maybe if I have thoughts of getting marriage uh I'll probably think about having a joint account


and, ya but it's just is a very subjective matter ah what about you


I just want to ask uh, why do you think that, saving in a why is your uh savings in a joint account so can you uh elaborate more on that


so so in your opinion on currently you rather have it in a separate account than having a joint account with your uh partner, uh okay uh can I can I ask a question at, at what age should a child be given an ATM card to manage their own bank account


so eh wait I want to add on so what age do you think a child should have, you you have you you mentioned uh working right but what age around what age just give a range


uh for me, I think sixteen maybe eighteen okay maybe eighteen is a good age to have an own ATM account by by right by sixteen uh child in


singapore can can open and a ATM account but then I think the ATM card should be kept by the parents so that uh the the child don't necessaries don't spend on unnecessary things uh and maybe the parents can help to


help to plan for the for the child's future instead of having the child to plan plan their own finances but, the age may change if the child is mature enough to plan for their finances maybe at sixteen they already decided, okay so uh I I want I want to go to work and I already thought on how to manage my savings so I think


depending on the child maturity level also


depending I will probably plan uh probably save some of the money and, for future use and maybe donate some of the winnings to charities, ya as a as a form of gratitude uh what about you uh do you have anything to add on uh for now definitely I've switch over to cashless because it much more convenient and since I've a Apple Pay I can just bring my phone out whenever I go out there's no need for me to carry a wallet with me ya and it's in a sense it's more secure because I'm just using my phone and I'm only the one who have access to the password to my phone so uh as compared to carrying huge amount of cash in my wallet which may be stolen or if I lost it then it will be it will just gone uh as compared to keeping my money in the in the bank and then just pay cashless and and with this COVID situation cashless is definitely much more safer and more hygienic uh what about you okay red button


part, three negative experiences


felt trap or helpless, uh when I was doing my project I feel like that uh when I'm stuck I feel like there's no one could help me because lectures they lectures can't help us much because that will be


uh will be unfair to the other uh our classmates, and like and, then there are not much tutorials that can help me to get through these obstacles that are facing so at a point when I'm really stuck I would probably just take a step back slow down and


and maybe take a break, maybe I'll just continue this assignment the next day instead of forcing myself to try to figure what's wrong with my animation as , from diploma in digital animation so they so when I'm really really stuck I'll just just uh give up for now for now and I will just move on maybe wait wait until I'm comfortable wail until my mind is fresh then I'll get back to it and try to figure out what's the problem uh what about you


probably that maybe fat and ugly so ya that's one of the things I want to forget but but usually I will just not take it in mind because it's just words words


can't hurt you unless you take it in when you take it and count and you really go and uh mix uh usually it words hurts if you find if you if their words are true but if you if you don't think that the words are truly you shouldn't be hurt about it so ya maybe their one of the hurtful


words that someone said to you said to me what about you


saddest thing in real life I don't think I've I've witnessed a saddest scene but, probably in a movie when I'm watching any movie that involves with animals die I think thats one of the, saddest scene I've witnessed oh think about it actually I've


I've watch a video online where this guy was, was uh this guy broke down while he was on the road, the the scene was about him trying to trying to find his girlfriend and return to get the house key to him but he himself was struggling he was he had to OT and then at that time the moment he broke down was when


the traffic police uh ask fine him for illegal riding because it was on the road which he was not supposed to and, and then after that he broke down and he I think that was the last straw that he ya he experienced so he wanted to committed commit suicide and like I feel like


we all we all now can relate to him because we are, because we are now going through a really hard time as well so, I, so I feel feel I feel like that's the saddest scene that I've witnessed ah even though it's through the uh through a video what about you


let me think about it and I'll get back to you uh what about you you can you can start first


so but can can you describe describe the time when you feel nothing is you do is good enough ya you have to the try to describe the feeling that you felt


for ya for me I feel that uh, when I'm in a group project and we have to contribute each of us has to contribute to something and everybody is contributing like maybe giving their opinions giving feedbacks and


giving a knowledge sharing their knowledge so that we all be able to learn and when I feel that I'm not good, when I feel I'm good enough is when I keep giving feedback and opinions but, is being rejected by my other group mates and feels make me feel that I'm


maybe I don't know as much as I thought I I knew, so at at that time I feel a bit helpless and, makes me think that okay maybe I'm not, as compared to my group mates I'm not good enough uh ya, that that was one of the time when I, so usually it happens during group project where we had to share


and contribute to the project, currently I don't think I ever felt that way because uh, because everywhere I have friends I have my family and most of all that I've my dog in anytime that I feel sad or I feel like


feel like that way I usually will just talk to my friends about it and they will probably they'll usually reassure me and, and, tell me that uh just ask me don't feel that way because every every you're as a as a human being there will always be somebody who cares about you


be it a an animal or a human uh what about you


usually I worry about not having enough money to pay for my expenses, not having enough time to do what I would like and not enough ya usually is regarding about time and, money, and currently with this COVID I'm currently worry about not being able to find a full time job because I have to pay for a lot of expenses for example I mentioned earlier that I had to pay for my student loan so with that it


the most the most worry I have right now is not being able to find a full time job


so saddest moment, don't have a saddest moment in my life but I can


mentioned uh , a moment where I feel sad over something probably in, my, poly days where I had I had to do an assignment but, but then I


failed one of the assignment so I have to retake the modules and that was that was what made me sad because I was in a way I was lagging behind and everyone have just move on to new modules instead of, taking just four modules for one of the semesters I have to take five mods instead because I have to retake the basically I've to so I've to retake the module and


and ya it makes me feel sad I was actually trailing behind the others uh what about you


probably, to change my starting point lah because once we are born everyone when once everyone is born , we already have a certain starting point some some people may be further ahead in life some people may be behind no matter how much I wish for it to change it will never because it's just life in general uh life is unfair so like


each of us has a has our own starting starting point ya that that that that that's definitely you can't you can't be able to change your starting point because you can't choose , who uh which uh what kind of parents you are you are the born uh born to and what kind of financial standing you are about you will be born under


can you elaborate more on that like okay if you are able to change what country you are be born in which which country would you like to be born under


but in a way in a way like currently you can change it by maybe changing your nationality moving over to japan, maybe that's one way you could change instead of maybe think yeah I want to I want to start in I want be born in japan


do you think it's a possibility, so so yes ya so I've basically saying there's a possibility that you can, maybe change your nationality and just move to japan to stay for long


okay so uh, lost if, definitely because I have relatives that pass on, and, that is considered a loss enough although I do not know them I wasn't close to them I do not know them very well but it's still considered a loss enough because I'm not be I'm not able to make visit them


them talk to them ya what about you


definitely deadlines well deadlines its something that all of us went through err in poly or in work where we have to meet deadlines and meeting deadlines is not easy if you are only, if you are struggling to concentrate struggling to focus you have problems with the current assignment that are working on


and, and definitely and when you, you do not have much help from others because other people are having to have have to submit uh have you finished their own assignment as well and and then you're stuck there trying to rush for deadline trying to balance your work and life at


definitely will stressed me up what about you


okay uh so what is the most traumatic incident you've ever experienced in your life, experience experience


I don't have a traumatic, experience actually so I don't ya can't, comment much on this question


probably confidence I've, I know that what I I know what I want to achieve but currently that , what is holding back from the goal is probably myself but I'm the biggerI'm my biggest obstacle because I do not have the confidence to go and pursue what I would like and I'm always doubting myself if I'm able to do this and I'm able to do that uh ya am I am I able to get a job and because


of the fear of rejection as well , I'm a bit uh fearful to go and apply for uh apply for jobs or go and learn things that that will help me to achieve my goal yeah so to conclude I would say that the biggest goal the sorry the biggest thing holding me back is myself what about you


do you uh can I ask do you have phobias and how do you overcome that, uh we start from the first part of the question ya do you have any phobias,


and, currently I do not have any uh any , currently currently sorry currently do not I do not have any water phobia and how I overcome it was to just go ahead and learn swimming ya when I was in primary school I forced myself to go and learn swimming so that I can overcome the fear of not being able to survive in the water because the main thing the main reason of water phobia was


that I'm afraid that I can't move I can't stand uh afraid of drowning ya I mean by am I another phobia is space probably height and I have not yet, overcome them although although if , I've I force myself to do something that is related to height I can probably do it in a way that is in a way it's not really overcoming because after that moment uh I'm still I'm still I still have the phobia so ya


uh for now I do not have any thoughts about it I don't think I want to overcome them anytime soon ya


probably okay, like you say it's just a tall building but I'm probably afraid of falling ya this should be my greatest phobia


uh joanna do you want to start first or do I start first


uh let me think I think, probably is, getting a certification in life guarding ya uh initially I was a bit


uh maybe just thought of just getting a cert just for fun and just like , collecting the certs or ya , as a hobby but after that I realise that actually the cert is a bit more uh brings out more benefits than I thought because with that cert I can I'm I'm able to find a part time job that is maybe ten dollar per hour and and and that at the age of seventeen ten dollar per hour was a lot


as compared to retail shops that are, that are currently seven dollars per hour eight dollars per hour ya uh what about you


nah ya can I ask why do you not expect much


nicest thing ah I don't think, I don't think there is I can't I can't really remember ya, it's not common for, anyone to have to say the nicest thing so I don't think I I can't recall anything uh what about you


oh okay, happiest moment my happiest moment is definitely graduating from poly and getting a diploma because that means basically it's freedom ah you can't, you don't have to study anymore and you can just go and work ya I think ya that that was the happiest moment in my life well what about you


ya why do you say is trouble ya why do you say is troublesome to, study for diploma


okay so describe one of your memorable travel experiences


can can I just ask uh what countries have you visited just now you mentioned that you have not visited many country but can you list down some


I've not really travelled, to a lot of countries I've so far only travel to malaysia and that's all ya so I don't have much memorable ya but if I have to mention one, uh I will have to say Genting because Genting it's just actually a quite a long ride since since I go there by car so takes a few days just to arrive there and arriving there the scenery is nice and the weather is cooling as compared to a hot and humid


uh weather in singapore so ya just just by travelling to Genting is already a memorable travel experience


actually I never received much compliments in my life so I there's no oddest or there's no odd or unique complement that I've, receive and even if I receive compliment I can't remember much ya due to like recent years uh probably forgotten uh most of it already uh what about you


oh okay thankful , currently I'm thankful that I actually have a a job now uh because of the COVID situation most people are losing their jobs and


even though it's just a part time job but I'm grateful that I'm I'm able to work and earn some money instead of struggling to find a job elsewhere, ya uh what about you


weird and very greeny like taste like basically chlorophyll plants but now since I've grown older I grown to like it because I know that it's good for my health and good for my body so ya what about you


the greatest present for me on that day because uh not many people celebrate my birthday and I don't really celebrate my birthday often as well so when my friend celebrated for my twenty first birthday was a pleasant


it was a pleasant experience, ya so to me that's considered a birthday present uh what about you


biggest blessing in disguise , let, me think I currently I can't think of


any uh I'll I'll get back to it later when I think of it uh what about you


biggest I can say that uh maybe, maybe graduating, uh this year could be could be a blessing in disguise not so sure yet because , there are uh now it's quite tough to find a full time job but maybe but who knows maybe in the future it could be seen as a blessing in disguise


so uh what can I ask what is a comfort food that you can always rely on to cheer you up


ya same as yours just cold desserts and, mainly just chocolate, bitter chocolate sweet chocolate or whatever thing that is as long as chocolate it will cheer me up when I'm down


uh ice cream, uh ya mainly just ice cream maybe uh, ice Kacang ice blended drinks ya


maybe the fact that I'm able to pick up things quite fast like when I'm working and, and I'm tasked to do something that I have zero experience zero knowledge about I will usually be able to pick up, in about one to two days time because mainly because of the stress that I feel so uh it forces me to it forces and drive me to pick up things faster than when as compared to when I'm studying in school


uh probably my mom because she has to she has been a housewife since uh we are born so and, so basically she has been taking care of us, most I have to I have she has to do housework, and then uh seldom have time to go out for to go out to meet her friends but since now that we have like grown up and we've grown up we can take care of ourselves she she have the ability to go out and socialise


but, in uh but in, in our in the past she must have, must be a lot of hard work to take care of us so I think that's why I look up to her so much because it's not easy to, take care of us and have to do housework by herself


okay so describe uh ya describe a time where you when you've got appreciated for your hard work


probably during my FY doing when I was doing my FYP because one of, my group mate had, had something on and we have a presentation next day and, she has not yet done the stuff that is needed for her presentation so she asked she asked me to help her with the


with the uh the assignment that she's supposed to do, and I managed to, finish it by not sleeping so the next day when we had to , so the next day when need to present they were quite grateful that I able to finish it and had something to show to our lecturers


ya that was one thing that uh I, uh was appreciated for uh what about you


perfect day ah, not have any worries and just spend the whole day together and, just do whatever we want to do and


whatever we like what about you


okay uh so what is a skill or an ability that you are secretly proud of having


okay before moving on to me can you just uh try to elaborate more on that ability that ya


uh for me ah, for me it's, for me , preferably that I have uh I'm I have a life saving I'm a certified lifeguard so I'm able to save, someone in terms of uh in case of emergency like drowning and I'm first aid certified so


those are the skills that I'm proud of having because it's not common uh it's not common around singaporeans that you'll meet someone who can save someone who have knowledge of saving someone in the water and out of the on and on and on land


currently when I'm not working I like to be able to sleep till I wake up naturally without having alarms to wake me up to go for work


variety shows and maybe just spend time relaxing and ya basically just spend time, at home all the time how about you uh ya


can I ask have you done that recently have you managed to bring your dog to the beach and, to ya spend time with your dog


ya as I mentioned earlier probably my twenty first birthday when my friends celebrated for me ya probably just just that was unexpected because initially I thought we were just going out maybe just to uh have a meal together and


and, just just to celebrate my birthday just by having a meal but instead they surprised me with cakes and gifts and we celebrated outside to me that is one of the best surprise that I've had in my life what about you


okay so despite the ongoing global uncertainty what makes you optimistic about the future


ya but what ya optimistic about the future


preferably think that government is helping singaporeans with uh with our jobs like those who lost their job they are giving they're funding us and then it makes me feel like okay there's hope for the future there's hope for us because uh government is helping is not just embedding us to for us to save ourselves so ya with this


I feel like with the government's support it makes me optimistic about our future despite the COVID uh situation


hi I'm grace I enjoy coffee a lot and I love to exercise


I'm making my money work hard for me in the background, means it's growing so capital the capital guaranteed to me is very important it doesn't mean that being very adventurous in terms of like high interest rates


would attract me because at the end of the day uh prudent investing is still very , it's it's still very key in in I I'm I'm pretty cautious uh person so uh ya I I I I think I will get quite anxious if I see the capital in voted ya so how about you winnie how do you think uh what does investing mean to you


how adventurous how adventurous have you been what is the max uh in terms of risk that you are willing to take


okay so I'm a I'm a very uh cautious investor so uh I I won't go into things that are too uh complex like you know some are finance things that are linked to, uh insurance linked to uh unit trust that means that uh some products that are linked to multiple multiple uh different modes of investment


ya so those are too complicated for me so I tend to uh I don't know maybe I'm just not so trusting in because like we have so many parts put together, there must be something that don't know I just, just something not quite right ya so it's like is it something that they are masking or something that people will overlook or uh ya so I I


tend not to prefer those kinds although I do hear people saying that they have actually earn a lot from it like what you say ah high risk high return so, that those are usually not capital guaranteed so they do make quite a lot of money but


then again when people lose money they also won't tell you right so ya I mean who is to know who is to know the real picture but if you go in you might lose and then it's like you know you can't recover so things are a bit is like it's too late already by then


ya so I tend to go for safer things like uh uh I don't know pumping into CPF or maybe looking into like you know bonds or


if you put it to uh somebody outside on the street who say like oh ya I can do it for you it's like how would you know the person has your interests at heart so I don't have that kind of person hence that could be the reason why


I am not very comfortable in you know just going to a third party and like putting my money in that person's hands ah ya so I that that could be the reason why I more cautious ah ya


I know people's ya that's what people say right you have to spread but I think I'm quite unbalance ah because if you spread you need the super high risk kind


also ya also so ya lah maybe if I hit jackpot like you know one million dollars I can probably play with a portion of that money but so far haven't hit jackpot yet lah so so still need to work


for my money ya still need to get a a a proper day job and and investing okay lah like you say it's a full time job yeah it is pretty much full time if you really want to get your hands , uh into it like you know very hands on and really know and really track the markets and stuff ya I think you need you need to invest a lot of of of


education in that sense also lah financial education, ya if not quite difficult ya


okay


like what you say ah ya totally agree with you is like to me I think maybe insurance first before investment, like like what you say the ya like the protection, uh like you know medical cost is so expensive also these days and like what you say so many things that are unforeseen like I mean who is to know people will fall sick in the first place right and with that kind of insurance at the back of your mind you just like oh it's okay anything can happen I've done what I could


and ya just just to protect yourself on the outset and and I mean like what else can you do right , ya so ya so I I do really believe in like life insurance uh medical insurance especially like I'm single I mean who can I depend I don't have like younger kids that you know in future I still have somebody I can look to but I don't so


I I definitely think life insurance uh medical insurance accident insurance although I've never used it and I paid like you know year after year, ya I'm I'm pretty healthy I mean touch wood I will continue to stay healthy so I don't intend to activate it but


but ya but I do I do realise insurance is actually quite takes up quite a large chunk of I mean can you imagine like that amount I put into insurance every year if I put into savings or, investment I could have been like so much richer you know ya so so sometimes I really uh ya so sometimes I don't really know is it I don't know I don't know


is it am I over insured in that sense or uh ya I don't know but I mean who is to know right in the first place ya so but I do I do believe in life insurance and and medical lah at least ya do do you have do you have lots of those also


okay first thing you should always have maybe a small life insurance the small coverage like the death part, uh I don't know just being responsible for like family even for parents and stuff then think about medical cause I'm single so to me the medical insurance is very important uh so uh


I think the coverage for medical like the stage one stage two stage three the whatever stages there are that one is important then top up with an accident insurance for the unforeseen I mean who is to know like you drive you cross the road then you sprain your leg or something, ya and then after that look at the increase in like coverage for the first two parts or the life as well as the medical and ya I mean we are singaporeans we're very fortunate we got medishield we've got like you know some help from the government but


I don't know if like that is enough , oh


ya, some more that age right ya all regardless oh


okay so I can


I think you need to max that out


ya


does is it important to you which insurance company you buy from cause like you say it's a fund that everybody puts in so if it's a if it's a stable company then like you would feel the continuity rather than uh uh ya does it matter to you the insurance company


that's true


ya ya okay so to a certain extent ah right is not like those uh lesser known I don't know what insurance companies there are overseas thus I don't know I guess tokio marine is quite big okay


ya ya ya correct correct then when you want to claim is like oh company closed down already no ya ya especially insurances is, more for old age also like at least it has to out last me right I mean ya you won't go to some lesser known ones


ya like you say sometimes the unforeseen right when you really really need it okay ah at least there's something to dig rather than like dig from where right ya right, , you better get more insurance


(ppb) okay so we need to wrap up right okay (uh), okay submit


part three negative experiences okay let's talk about frustration


what frustrates you what frustrates me uh


the one that frustrates me most is more external


rather than other things ya I guess I'm pretty fortunate and bless in that sense ah it's just work which is like more external


related, for me ya how about you uh winnie


what do you do draw out something , ya I can see the frustration coming out


but you all like koreans eh


wasted right like wasted chance wasted time, ya I I know what you mean


I think I think we could all see that you were like getting paler and paler


ya I mean it's quite obvious ah we can all see that, okay let's see what are you fearful of okay I


actually I'm quite fearful of uh flying insects eh those that come in at night ya those that come in at night go eh you know like, suddenly there's this uh beetle that flies through the window lands on your table uh those cockroaches


the flying kind then cannot find then by the time you ran off to get your Baygon comeback oh it's really bye gone no, ha she's she's more scared than me


ya ah, ha no cannot it's a inside you know it flies you know


!aiyo! !huh!


you that means you won't even go near the cat at all oh, even though it's very tame it's a house cat


glassy eyes


ah okay,


really oh is then how do you sleep at night you slept you close your eyes


remove it yourself oh the clay kind oh


but if if you have something if let's say you your you have your your eyes not covered but you are tied to I don't know tied to the chair or something isn't it the same


I don't know like bayshore or something ya , okay I never knew that


okay okay that's interesting I never knew that , , , okay let's see uh let's see the question


very, when people purposely do things uh which they know


okay ya like like they don't put in the, effort to, uh I guess is, the attitude also of not like you know purposely doing things that you know will irritate somebody for a very good reason and then it cause me to


get in trouble some what, then that would make me very, angry, ya I I mean if it's a unintentional or the person just not very capable what okay lah I mean close one eye but it's like, purposely not putting in the effort or purposely doing something against what is supposed to be and then get me in trouble then


ya I think that would get me very angry but I, generally quite a makeable person, I think , worm their way out right ya


have you ever flared up like like really like got gotten so ya like to anybody or ya,


very very angry not to the, point that I go and, take revenge or anything also , ya I guess bouts of like disappointments more like disappointments


than like really getting angry and like I was reading the news the other day, the father in law, stab the, son in law because of some ya, is is but I mean he had mental issues and stuff but he must have been really angry to do it in public and then he told people oh this is my son in law don't help he even the guy is already bleeding himself to death ya so ya then he ya


correct, then he thought the guy was trying to like take over his company uh, , unfaithful to the daughter, a lot of things ah but ya I guess never to the point of, taking revenge in that sense ah more disappointments I guess in life than than taking revenge and getting like all work up ah which which I think I think is quite common amongst men more than women the first place ya


source of like comfort right ya


I know but like conversely I, I ever saw a child this is uh happen in uh in parkway parade one of the changing room at Marks & Spencer I ever saw a child scolding the parent uh ya so is ya correct role reversal and !wah! scold very loudly and very harshly and then the poor parent


was like just doing whatever the child like Ma wear this then okay go and wear uh come let me see like you know then keep scolding I I can't remember the the words he he used but !wah! is quite harsh eh, ya and and I mean ya I seen it it happens more for like you know parents to children than children to parents so


when I saw that I was like !whoa! is like first time ever role reversal ya but is


I think is a asian thing also asian will be like uh is my family business uh is is, hello hello hello


I think is good intentions also lah ya, but some singaporeans might not like it ,


is like the typical asian like my business what you care you know ya


that's true okay so we're supposed to wrap up right


feel the world needs to do more about !wow!, more good people man


, is like the, vibes bringing the other things that come with it


(ppb) (ppb) ya, okay okay


oh okay part two positive experiences okay so we can start ya okay let's pick uh describe a favourite activity heart to heart talk okay


this one you will definitely know favourite activity to unwind and relax I think both of us kind of share this also , ya ya I think for both of us, ya man it's like when you burn


I mean like you burn like you you perspire your body heats up and stuff you just feel like you burn the stress away as well, oh really has it ever happen


yeah I think if I don't sweat it out I will just feel very heavy like I need to I need to release something to to like you know the, the container is like getting full I need to release the container before I can top it up again ya so the the burn actually I do enjoy the burn like every time in the gym when I having classes and stuff the instructor always say feel very happy so I'm probably smiling throughout the pain ah but it's a good pain ya


uh actually I'm thinking of going for a run later , but I trying to, !wah! then why you can run tomorrow,


ya I'm trying to run less eh, I don't know like preserve the knees or something, I don't know how I don't know I mean people say too much running isn't good because of the impact like it's it goes everything everything goes to the knees I'm not sure


ya but uh like why I actually find it very difficult but I trying to limit myself to like alternate days so there are certain days like oh today cannot run then I'll be like so sad the whole day or like today I can run !wah! quickly clear my work and stuff


I took I took but you know how heat is right you have to do in a group you have to get the people to scream at you you have to see people dying then you feel like okay it's okay I'm alive you know that ya, ya


!hey! can hear me yes am I still there okay great ya ya


I think it's the motivation the motivation from from seeing


I think you are a team sports person, ah actually I can do both, I can do both lah actually I enjoy swimming a lot uh that's not very team uh but I also do enjoy like tennis or like kid I definitely will like anytime like even boxing classes you cannot go boxing alone leh is damn boring one know it's it's


uh you do, you do like #muay thai# style no no you do, you have to so ya, ya ya ya ya but you still !hey! !hey! can hear me


am I back, can hear me okay okay, great ya so boxing you do do it in a group because they have roles like one will be attacking the other one will be defending or you know you hold that that the the sponge thingy ah and then


bow like there will be certain moves that somebody has to do to practice that certain move like the #muay thai# move or whatever move so it's uh, who's winnie's connection ah, oh is it okay


true true true true, oh


I think the kids are more happy than you right ,


what is the worst worst experience of travelling you had with them,


ah then the best travel experience oh


ya I think for me the best travel experience is when I went to italy I think ya italy because I think the people there are very awesome I mean they look very scruffy big size rough and rude I mean they they have very little ya they have very little


while the food is good but I think the people there are quite I know people say are unsafe lah but the the people there are really genuinely friendly if you try to like you know really get to know the culture, singaporeans not very careful eh


!hey! !hey! !hey! why is it my network is it, hello can hear me ya I'm back oh, okay but can hear me right okay done


okay ya then I'll just continue ya so I was saying the I think what makes a travel experience really great is the people that you interact with how, how friendly and how sharing they are how helpful they are knowing that


you are a foreigner uh especially like an asian like you know I'm never I mean, it is is a very different culture from the europeans ah, uh uh although I I do get quite cautious because these are foreigners and nowhere is like singapore ah that safe so I I do get quite cautious but I'm I'm quite surprised at the how how willing to share they are


like how willing to uh like make you feel comfortable teach you about their culture they actually very proud of their culture and they have so much to say so ya I think usually is the is the people that I meet that makes the travelling experience, awesome ah ya which which doesn't come come very often ah I mean ya I guess it


I don't , where do I want to go to I haven't I haven't, thought so far because with this COVID ah I'm not sure whether even next year we can travel or not it's ya


ya I guess uh I I think if if like booking with SQ and stuff uh is very easy to do cancellation I heard so ya I mean ya really, cannot right


ya but is


but with all these all these COVID thing going on how what makes you optimistic about like what's coming what's going to happen in the future


ya that's very true know I haven't not !hey! !hey!


I don't know what's what's up but, can hear me actually why ah my this connection should be quite stable, can hear me, okay I don't know ya should be quite stable


so is like like what you say see more rainbows that is very true I have not seen so many rainbows in one I mean the year is not even over is only half over but I've seen so many rainbows already ya, so


maybe there weren't really that many I don't know , I don't know, I don't know or maybe or maybe we were always stuck I don't know indoors or something like what you say trying to achieve more doing more perform more produce more


but now with slowing down I guess the thing about COVID is it makes you more it's a it's a mentality change ah it makes you more appreciative of like what you say every single thing, ya simple things right


ya ya, every small things that is positive makes you like oh this is good you know that kind of thing ,


ya you know ya, ya like that time, they say going to the market your IC number must be don't know don't know what I'm like ha I feel so sad you know ya so is like like ya like what you say oh even going to the supermarket I feel like !wah! I can go out now I wouldn't want to be in lockdown ya it's a lot of mentality


then I think you are also teaching the kids to see life differently I mean like we probably, grew up very differently from them and ya just just to appreciate everything and and, ya I mean it's unfortunate lah but no choice right ya so


, I I


ya I don't know how you all do it man I really don't know , is another rainbow for you


I I think is the is the fact that


that you have no nobody can change that fact so whether they like it or not they also stuck with you whether you like it or not you also stuck with them so kind of like that safety net ya the the safety net is a confirm thing, because both sides no choice mah not like you know you can say goodbye and walk away we share the same blood technically ya so


ya ya actually that's true actually that's true that's true that's true


ya


ya, I I I think it's the atmosphere is the atmosphere that is created by positive people I mean if things happen things will still happen anyway is how you how you want to deal with it ah


that's true that's true ya it's just that sometimes you it might take awhile to find such people or it might I don't know sometimes I think it's group dynamics also ya so a lot of times is got to try lah you got to try and see


that's ya that's true that's true you must want it first also ya yes yes cause there's so much to do still there's so much to do still oh this one we must take offline


part one, financial related topic, uh I'm hi winnie and I enjoy playing the piano and rollerblading


grace


to me investing is for passive income and capital gain I mean everybody invest to make profit right at the end of the day and you kind of want to make money work for you so you don't have to be slogging ya ya on your nine to nine to five job


so , for me I am, I think I'm not the very safe person because I believe high risk high gain, so I I prefer to, okay for me I I think I have a bigger uh risk appetite


but that's because my brother in law knows about finance so I rely a lot on him so I tend to tell him okay I got X amount of money now, what do you reckon I should invest so he gives me advices or sometimes I will just dump it to him and just trust him entirely okay you, do whatever you need be ya but I'm fine with it if you make the loss like there's no sure win right (mmhmm) so but I I I


don't put all my eggs in one basket I spread them so I also buy stuff, that are like safer like you know your, some insurance product which, guarantee certain returns lower returns but guaranteed you know such, stuff, ya so I think I'm


some where in the middle ya what's that, max ah okay so actually for for me I will throw in money that I my rule of thumb invest the money you can do without


so you don't go into debt, playing chefs you know or ya with all these, investment stuff, so ah ya that's as as far as I'll go I wouldn't I wouldn't take a loan, just to purchase certain bonds or REITS or what not


ya, what what what are the type of investment do you deal with what have your hands on


so do you buy them on your own like do you do you play on your own do your own research and stuff like that or you just dump it to an agent and then ya


because I find I find investments investing is a busy busy job for me like you have to read up do your research


watch this watch that if a politician say something something happens and all that kind, of stuff, so I I find it easier, to get somebody to invest for me so like I'll I'll go to banks okay , also fortunately my brother has friends working there they're all very well versed in whatever they're doing so I kind of let it run by itself so I say you only tell me when there are problems if not uh I think I'm fine trusting


for you to do whatever he need ya but I find like, if you want to do you want to invest invest time if you going to do everything on your own it's like a full time job, , so do do you's like spread it split it out like you know certain on assets certain on bond certain on UT certain on I don't know or even actual


I need a lot of capital also


ya adding investment aside protecting yourself is also important so, I do buy insurance ya but I learned about insurance pretty late in my life ah when I was a kid of course my parents buy insurance but I wouldn't know enough right so they will just by stuff and we'll just sit on it but as I grow older you know people start talking to you and oh you need this insurance that insurance initially I'm like why buy insurance


buying insurance means you live poor and you die rich that was my mentality than okay ya so I was like, ya but I but I've friends, you know who does insurance and all then they start, explaining to you so I was, skeptical and ya but later when you you you actually need that insurance then


you realise how important they are, ya so I like travel insurance to me that's a waste of money you travel all the time half the time I don't buy that, I mean even if I purchase travel insurance they are not expensive to begin with but, I rarely make any claims in fact I haven't make any claims


until one day my mum was like I don't know why she was, very insisting she was like oh go get your travel insurance is, not much money just go get it even if you don't have to claim fine just go, get it so I I did not because I wanted to because I don't want to be nag at ya and then it came in handy so my


uh ah flight delay and our we had to change plane and then your luggage got stuck on a certain ya certain certain leg and then you've got to ya all this nonsense and with your baggage uh simple things like, having your your your luggage broken


I mean especially if you buy the expensive ones you get, claims and stuff like that ya and then ah there was once ah it was a, it was a trip it was a trip to uh where was it, vietnam I think my son


had fever so he couldn't travel so I had to leave him behind and just bring my girl along so that's when the insurance came in handy also ya I just needed a letter from the doctor, correct but these these are the time where you actually get to claim not only from


from uh like the air ticket whatever right you also get to claim from hotels whatever that you spent on, ya, and and insurance


uh


you'll be a rich woman right now, , or maybe you can buy uh ya ya


important insurance you think like among all that you have purchase which is a must have, for anybody you reckon ya


, not sufficient , speaking from experience, not sufficient so for ya it you know I'm very accident-prone right and I still rollerblading regardless


okay so for for me , with when I had kids right the first thing I did was to buy hospitalisation insurance it's it's like a must must for me, because I used to think just buy the minimum will do what are the likelihood I'm so young right why why, likelihood of me getting ill and stuff like that you know even when I had my kid I


I wasn't hospitalised I told the doctor I want to go home and the doctor actually tells me you're my first patient who just walks out of the hospital after childbirth, ya, so , so I I never believe in the whole insurance thing but regardless I still buy it because then people persuaded me and them I'm like ya now that I've kid


have to be more responsible what if right there're so many, what if and then I okay I heard to that but, ya uh deep in me is still like, why why do I want to live poor and die rich I I could have done so much with all this money and especially rider it just gets more and more expensive


the insurance they can tell you this month is three hundred next month is, a few months later they just send you, a letter no regardless of that a few months later they can send you another letter and say oh due to whatever rubbish reason it is, is hike up, so now you pay another hundred over more and then after the next year they'll tell you oh it's hiked up ya so you know the very first table you had that they tell you from aged blah to X to


Z whenever you have to pay this amount or not it just keep, increasing ya it's crazy especially when it reaches my parents age kind ya it's going to be very expensive, so anyway I bought I bought rider like you know the full coverage kind I can go to the private doctor what not so it I only realised


how useful that is and how important that is when I uh actually the first one wasn't a fall down I hurt my nose, so I'll it was just a it was just an accident I was doing some stuff I forgotten to close my cabinet I stood up and pump, my nose breach it was bleeding profusely


so I went to the hospital my bill chalked up, to hell, uh I would say close close to close to ten thousand , ya just just for something like that so you can imagine people who are sick who has cancer who has whatever illnesses there is


you know you need long term medication and all that would be ya so because I bought insurance I had I have rider, oh well I get to claim everything full amount, so back then ya back then back then it was very troublesome because back then you still have to do


paperwork and all you know uh, liase with your agent and stuff but today I think with technology it's a breeze so, the other time when I claimed again not because I wanted to but ya I was rollerblading and accidentally trip over something and fell


and I had another scar ya so, foot skull on my chin so then again it was very expensive I was hospitalised, I didn't even had to like go through the trouble of, filling forms or whatnot they just asked me uh what insurance company are you with


and then, uh what's your full name IC blah blah blah and then they tap tap tap key in some stuff and then Viola okay uh proceed to your ward everything is done, ya it was it was uh ya pretty seamless, so so I realise how important uh hospitalisation insurance are and not not only hospital you need to get rider so you are fully


covered and of course there there's a accident insurance which I also purchased for my very accident-prone self, ya, but this , no but but one thing I think insurance is a


it's it's good for the community as a whole because you see in some point of time obviously touch wood nobody wants to use it but as a community uh, and it's it's like a fund it's like a central fund everybody throw throws in money, you know so with some kind of Kampung spirit


but not Kampung spirit because you pay for it anyway right but with somebody, needs the money eventually there will be a sum that you can you can pick it up from that pool to save somebody right then uh, we all continue to contribute to this fund


ya sort of cause the more you put in the more, take back if somethings were to happen to you ya so either it's good for the community as a whole like it keeps everybody afloat uh I don't know I see it that way ah


the company I think the company has to have some, some some some, kind of not , reputation like if you go to you know big names like prudential, uh AIA aviva I mean you can't quite


go wrong with them and if majority my thought on this is if the majority of singaporeans around here, uh our very good government will not let it collapse , , okay ah that that that's how I think I mean I mean banks the same right in the past people wouldn't even dare put money in the bank what if your bank closed down


what if that person runs away with your money but you see these days uh there are some kind some banks which insured by the government right because they cannot let it fall or your country collapse together the ya, correct so I think ya the name the name do matter ya


I, uh I I won't go to some random ya I won't go to some random small firm even if the payout is big I don't think I'll take that risk know no point right ya


ya I think it help it help people in many way but I have I have relatives who actually use, them they buy uh, term insurance are those that you buy and then that's it right so there are those where, they use it okay it's not exactly as saving insurance but they they use it as a form of saving because they forced themselves to save


you know like how every month you have to put in a certain amount of money, then at the end of if you reach certain age you can take back how much of course it it's best not to take back because uh then if you touch wood and go your your descendant will you know inherit that huge amount whatnot, ya but it comes in handy when things happen


so my cousin was about to, uh head overseas to study but that's when you know, her family had issues finance issues and all that kind of stuff so at least they have something to lean back on, ya so I mean after like twenty years or twenty over years of


accumulating a fund they could actually terminate the insurance get a sum of money and send the daughter to whichever university they want to go to ya so I thought , ya it it regardless, it's good for people to have some kind of


assurance in that sense ya, yes, ya like I didn't plan to fall and have stitches everywhere


ya thank god I can claim, ya if not ah exactly , mess


part three negative experiences


negative things ah, thinking, okay ah there are many small bumps in life big bumps small bumps


I think things that actually hurt the most might, or it's most painful is when it's irreversible , you know like okay you know how many people out there you know they now you read the news right half the population losing their job uh but I mean you can pick yourself up this one is reversible


today I lose my job tomorrow I find another job today I fail my exam tomorrow I pass my exam, I feel the things here no big deal it doesn't determine your life, ya but if you lose, my earpiece ya my earpiece fell off okay ya


too engross okay ya anyway I, was ya, ya so I think I think is when you lose somebody regardless of how long ago you have lost this person is irreversible, like , okay my grandma passed on


quite a number of years ago already but to me that is there were regrets like, if only if only right but she's gone there's no way I can if only anymore, ya, so, ya maybe maybe I


grew up I grew up with her so my parents were busy at work right my dad's a businessman so my mum helps him out uh they're always at work we were taken care by my me and my cousins and, ya we were all taken care by my grandma so we establish a very strong, relationship like we can we can actually talk like friends we can slap on each other shoulder you know my then my grandma was still young and all ya


so , ya so when she when she pass on it was, really painful it took awhile, ya then it's something like, you know there are so many things that I wish I had said to her or I wish I had


done before she left, ya it's a kind of regret that you cannot go back and, ya that's no way you can compensate anything kind, ya that's when I find ya lor like just just cannot, ya


but if you ya but if but if you talk about frustration then , really that the whole, during this whole COVID saga uh HBL and work from home


really killed me like I was, half the time I was complaining to you girls complaining to my parents complaining to everybody it was just frustrating ya because it's like, total lack of sleep, okay a day an in an average day in how how it runs off run okay so morning you wake up


you settle the kids we have breakfast sit down okay come lets start, HBL so you go through the list you know the the school wants you to do A B C D E okay you are done I only


and then sometime you have zoom session with the teachers and my kids had this age she's in primary two this year not exactly the most independent age yet I have to, sit next to her doing all of this, by the time she's done almost dinner time


then everybody have dinner we had a bit of time together and then I have not worked I have not started my work yet I start my work there after, and then when they fall, sleep I start working through the night and then morning repeats so it was it was very very frustrating for me ya so if you talk about frustration ya


uh that was probably the most frustrating time in my life I think ya , , ha yes and when I when I go out for my runs is more of venting anger more than uh appreciating or enjoying a run


ya it was a pain it was to release stressed ah it's actually ya, ya [loh]


ah okay


call for help knock on rose door ask your mother, , , ha really my mum catches cockroach cockroaches with her bare hands so anytime insect mum ya uh I'm still a little girl in that sense


really she catches cockroaches with her bare hands, , ah talking about animals okay not exactly inserts animals but there along the line, you know how most of our ours


they like dogs I mean I've nothing against that but I had very bad experience with cats not like it it scratch me or what not, but, uh when I was a kid I was just cycling and it it was a very small thing you know I just have this cat chasing after me but I was on bicycle right the cat was chasing after me for no apparent reason and then I freaked out I threw my bike and ran to the house but I don't know why from then on


I fear cats, I I really fear cats so as I was walking home yesterday night so after after meeting your right I was I was alone, on my way back the cat just, just jump off the fence, I I mean I was a distant away but I freaked out then it sat right in the middle of the road I was like how I'm going to pass so people


stare at me like I'm weird because you know they just visually walk pass then but to me that was, that was a fear ya, you know fear to many people is different right different intensity, different type of fear like you fear insect this person might fear dark or fear I fear cats it may sound ridiculous


but I do fear so I'm I'm, if the cat sits here I would actually wait for the cats to walk off before I cross that road, I don't like it I I really ya unless unless it's a pet no if it's a pet and somebody no and somebody is watching after it I'm fine just don't come close to me I'm I'm okay with dogs I'm okay with dogs I don't know why


just cats cats, I think cats as this thing in the eye like it just look, scary, or maybe too many horrors ya maybe too many horror stories with cats on on dramas and ya I don't know, too much dramas maybe but I just I was chased by a cat and ever since then never quite like


cat, oh and this okay and and this fear okay I had another fear, uh okay uh you know when you go for facial, uh you know you put mask on and, all right so they cover your eyes because is good the serum whatever is good


for your eye eye bag what not I'll always tell the beautician please leave my eyes alone don't cover my eyes, because the fact that I'm not able to see , scares me ya


no no no ya ya no but this only happens this only happens after pregnancy so you know how when you're pregnant you are more sensitive and all right, so I, I mean I had no issues before that until one day I I went to this place, uh I was pregnant then so I was I was already very


sensitive like ya always uptight like you know, what if this what if that and then this person's slap on the mask left for her lunch and, didn't come back after very long and I couldn't see and I felt very helpless, ya so


no but it's those kind of super thick mask I I don't know where to ya, correct, right so I don't know how to go about with it I was calling for people and nobody came because everybody were lunching in the pantry ever since then


I don't know I I think it's a trust issue I don't know whether it's trust or, fear or both ya so from then on I say leave my eyes alone I have to see I need to be in control I need to know if anything happened I can stand up and walk out of this place myself, ya


err I don't know I I never thought about that because why would I be tied to a chair , ya, ya, but but if ya but uh oh I will actually fear not being in control I think the fear of not being in control more so than the eyes being covered


because you cover my eyes right I'm lying down there at your mercy you know like like I can't see I can't walk out if anything happens, ya, ya, ha ha you are probably the only person beside my beautician who knows


okay yup, let's see, what makes you very very angry what makes you what can make you very angry,


what pisses you off so much what makes you cringe, will piss you off


I think I think this happens a lot in the workforce or even uni days like in school I I'll always have like uni friends who will not chip in or they will find their way to yeah do things easy, easy way out ya especially group works right so but but I fine with that lah I'm fine doing everything


on my own because to me at that the because to me at that point of time, I mean I paid so much to to study overseas right I don't want my grades to be pulled down by, some losers who didn't want to chip in ya so I'm like it doesn't matter I


I mean I tell myself whatever effort I'm putting in now is for my own benefit I'm learning the stuff, these people are not putting in any effort these people are not reading not, not ya so at the end of the day they learned nothing right so ya, they they may score the same grade as I do but because it's a teamwork


but they may not actually absorb anything at the end of the day, ya I mean I don't I don't like this kind of people obviously who likes right ya but I I wouldn't allow that to, affect me too much lah, throw temper oh yes


with my kids that that comes all the time like, ya , okay but if you talk about really something that makes me really really angry err, let me see


!wah! off hand I can't think of any yourself


the heat of anger psychological issues


and I think sometimes what makes what makes, someone angry might not be something even related to you like, sometimes I go to the hawker centre or what not and then I see, like , children especially being abused


you know how kids they are so vulnerable right the mother the mother, ya they're they're, only what you call that, ya is is that that figure that person that they can only go to but you know sometimes how the mother is frustrated with her life or what not I don't know what happened but the way that they she treats her child is


just not appropriate like you see her slapping the head uh because she was angry about, something else or you know how the kids oh sorry, mummy right you know going back to the mummy but uh I I don't think I mean it's hard to judge from outside but then the way you treat the kids like just


slap off don't call mummy know what then push the kid to the ground I mean I've I've seen that in singapore so I was like, okay so your life you know there are there are hiccups in your life but your child does not deserve to be treated, that way just because you are in a bad mood right and uh so that that picked it


that makes me really angry but it has nothing to do with me but just looking at all of I mean seeing all this happening makes me very angry especially with kids I I don't know I have this soft spot for kids ya


oh the role reverse,


very disrespectful ah ya


ya, but but but things like that do make me feel very angry but I ironic I mean even so I wouldn't step up to say anything unless it's a life threatening or because , how to say it's like your family business right if I were to interfere nothing good might come up like that child might get it worse you know that that person might get it worse but you're hoping to gives stares such that this person is more self conscious and stop doing whatever like


you kind of just want this person to know whatever you're doing is wrong please stop like peer pressure to get you to stop you know ya but I don't think there's much you can do at the end of the, day they they probably need counsellor, ya, oh correct correct correct but


any ya but anywhere else not in singapore is different so anywhere else people would actually, ya they would they would there was once, my, child was without seatbelt that was wrong but an aussie parent actually


uh horn us and then reminded us to put seatbelt for the kid because uh it's dangerous blah blah blah ya so, they take it into their own hands and they they genuinely are concern for, random strangers , ya so so these these happens overseas ya


I felt guilty also lah ya because my my kid throw a tantrum than the grandma took it off then I was like you no just put it on even if he cries you put it on , ya I mean safety comes first at the end of the day and I I believe that person probably I never know the person might have lost somebody because of it


traffic accident that's why that that actually meant so much to him or her, ya and if him or her say some correct correct, so I I didn't take it the other way round lah so I I took it as a , as a reminder ya, uh okay ah


I think I think maybe because I live there for awhile ah you assimilate life singaporeans assimilate very well really really I think we assimilate well you can throw us to any part of the world after a while we'll just get used to it, ya, (mmhmm)


ya let me see anything interesting to talk about


, goose bump what gives you goose bump, , ya actually in in general I think negativity


of course most of us don't want to get there but you know in life there are up and downs and when you are down in the dump it's, is just, ya really just unfortunate and somehow rather unfortunate things they they kind of attract each other one comes after the other


ah ya lah, ya ya ya , top right, (mmhmm)


part, two positive experiences


running exercise, you live in the gym, perspiration makes you alive


, exactly and I think if I am not exercise I actually feel like I'll fall sick


ya so if I if I stop exercising for an entire week I probably get a flu the following week but if I ya if I on and off I think I just need to sweat it out ya


ah


it's a good kind of pain ah and is good for health I mean why not right, actually do you still go to I mean do you still exercise daily now, feel so guilty now because I'm going for feast later,


, ya ya ya , so but see why why run less, me knee sure


uh


you can do heat what you can do heat you can do mat work you know, yes, , no because I I realise I can only last two heat if I'm doing with you girls


like even is via even if it's via zoom you know I feel like, you need the community you need the, how you say like having each other there, you know eh wait grace I think you are hi grace are you there


uh okay you're back , ya I I think you need you need people like when I go to the gym I need a trainer without a trainer I end up leaving the gym within less than an hour I'm out maybe even less


maybe I I think I'm a more sports kind of person it makes me happier like, playing being with people ya I think, kind of people before I I just I just need to be with people, what I enjoy badminton every saturday badminton because there are people right I don't like squash because I don't like playing with the wall


ya, and and down the are you a team sports person or you prefer solo


but you don't interact with people what you just, I don't know workout on your own do do you have to interact with people when you do


those like heat is it's like a solo sport done together, eh grace, we need to wait for her to come back I can hear you but ah okay you're back, (uh huh)


okay you're back okay ya, actually I think I just need both ah both both are happy happy moments like I need my sanity so I like to run alone


you know how when you run with uh, like even when I run with #si hui# right we have our solo run, first so I run from, east coast to barrage she run from city to barrage, so we have our fair share of, ya run before we meet up, to slow run or walk or whatnot or just chit-chat ya so I think we all we all need our own me time we also need people's time


ya and with this whole COVID thing right, travelling and all put on a hold so travelling used to make, me very happy but, I can't say the same when I travelling with my kids because it's different kind of happiness though ya


I ya different kind of, happy lah I mean the happy comes from, seeing them happy but the whole logistic thing that you need to plan for the, whole having to cook on the go the whole having to accommodate to


their wants and needs, ya, you can't really it, worst ah okay when I had to bring a rice cooker I went I was at I was in iran ya I went to iran, then to dubai so first and foremost food there wasn't it's not our typical kind of food right so the only stuff he eat there Naan


but we had lots of fun because, there were things that we don't have in singapore like you know mountains and stuff like that actually I think maybe as a mother just watching your kids being happy makes you doubly happy, it's like it's like


all the hard work melted, best experience was a solo trip , without my kids, my best experience was to , for the first time I went to europe I actually uh instead of going to the you know paris lah you know all that kind of


glamour very popular holiday destination, I decided to go to poland I went to warsaw, czech republic germany because they're all, they're just at the border they're very near each other, ya went to italy but I went to the capri mountains


ya so as soon as, I landed I just went straight to the mountains, ya, yaI I I just wanted to ya I think the road less travelled was more fun, ya


do they cheesecake there is nice , okay


I think we have this kind of people everywhere even in singapore and australia, !hey! grace , , , hi grace okay are you back, what I can hear you but I can't see you


ah okay ya ya ya okay continue


so so after this whole COVID saga right the first place you want to go to italy, or explore new grounds


ya you know how this time of the year everybody should be busying they should be busy planning for their next trip right but so many people busy busy cancelling their trips


seriously I have a lot of friends trying to cancel all the trips they've plan way ahead you know december school holidays I want bring the kids to blah blah blah blah now busy frantically trying to cancel and not pay too much


especially especially those on budget airline I think uh clause right will not allow them to cancel, I have no idea because I had I I have a trip due but uh that that's with flight


ten over kids so we went through a travel agent ya it's like it's a kids planning I think kids these days are very fortunate , they have played it overseas so you know like, ten kids ten sets of parents with the siblings we're all going to travel together


ya, so that's a lot of tickets to cancel or to postpone all those I don't know, I leave it to them I told them whichever way that require us to pay less to postpone our trip works with all of us, ya


okay actually I think with with all these right, all our lives look okay see ah how I was just talking to your sister yesterday actually I chance upon her at a park


ya so uh I was I, was just sharing with her eh because just yesterday we saw I saw a rainbow with my son so my son was like, oh my god #jie jie# will be so jealous so I was telling her stuff my, kids were saying you know and how how funny they were and stuff the the point is


I find myself, seeing more rainbows this year than I did my entire life, like, the sky is there the view it's free you know but how often we actually look, up and sky, grace !hey! grace


, I think her connections issue, okay, okay you're back ya okay so anyway I was I was telling her


I was telling her how often how often you ya, so this year itself I've seen so many rainbows, but, before COVID started I haven't seen much probably my entire life I probably see like two rainbows you know that kind but just


as when our lives slowdown I, felt to appreciate nature more not like singapore has lots of nature ground but, ya I felt hanging out at the beach more often, I actually enjoys just sitting down, at the the lake water you know


doing nothing I, ya I find myself being happy over small little, things and get more contented with life, ya you know like last time how oh I have a list I've I have a check list I must complete A B C D E


then I'll feel or I'll feel like I've fulfilled something I achieve something but not so much now, I think this this COVID saga good and bad it, kind of made me appreciate people more appreciate the things around me more, ya


ya ya, , exactly and before COVID it's not like there weren't any rainbows we just didn't


look up , I guess ah really ah I have no idea


yeah it makes it makes people doubly happy for things half


less in significance ya in the past to you so half left in significant you will be like, uh this happen ah okay lor right but then now is like you you, get ya it's it's is like, ya


like last time going to the supermarket is nothing suddenly eh I can go to a supermarket that's fun , you know I actually enjoy grocery shopping now, uh at the popular ones at


, and and I guess, the fact that all the playgrounds are close I mean it in I mean for most mothers


uh our me time we find me time when our kids are busy right so sometimes we put our kids we deposit them in playgrounds, so we can have some time to do our stuff, ya but now with all these closed, it makes us all creative so now as of late I'm doing picnic every weekend they enjoyed it so much and we are always in the open and I keep find that I connect better with them


ya because we are actually together outdoor sitting down eating making sandwiches and stuff like that, so I think things like that makes a person happier than being being poured down for it, I think it's a good change ah I think it's a good change


ya there there was there were there were period where I was screaming the whole home-based learning thing killed me home-based learning and work from home, bad chemistry as soon as that was lifted I was so happy as soon as the kids went back to school oh my god the sigh of relief


eh is no joke how you going to work with a kid sitting next to you half the time, mamma SLS, mamma can you click this for me mamma this mamma that and then you you just not going to work, and by the time they're done with it ya then they have their homework and then you have to guide them through


the day and then when you go to bed you start working how is that going to work for yourself ya it was just painful, ya so so so when I feel happy and and why when that ends I was super happy


, okay I'm actually very ah yes, different kind of rainbow, no I was just looking through the questions


what make you optimistic about the future (hmm) I don't know I I I think , like being with family kind of make you feel makes everything less


daunting the fact that you have family around you like what, worst can happen right even if everything else failed you still have them that kind of feel so you can I for me I still kind of feel protected, the fact that I have family around I feel like I I can never fall even if I fall I'll be able to climb up


stronger, ya , ya , safety net


ya actually I think it's easy to be positive because as long as you're with positive people you feel more positive but if you with somebody who who goes


to you and say ah today is going to be another ya it it's the people you surround yourself with I I really believe so ya, like like ever since I, ever since when was it like early this year right when I started joining you girls and all like


everybody motivate each other which is which is something I really like like, how how we can come together even we have nothing to do nothing to talked about like that, day we came together sing national day song two months before national day but but ya you know I mean uh


uh , how do I put it basically put yourself with, people who are happier and you will rub ya you'll rub it off lah, and they will rub it off for you ya, yes


ya and I think, and human beings assimilate very well I especially singaporeans because we live in a, with a place you know multicultural you work with different kind of people you're you're put, in this environment such that you you just assimilate very well


ya, just put yourself with positive people


not not only that I think you must put yourself out there also because I have, I know people who complained about their life but they're forever sitting down here not moving so you have to put yourself out there right


I mean you you want to be happier you want to be ya you, said oh I've no friends I'm all alone I'm but you're not even, walking out of your door nobody can, drag you out right you have to be ya you have to want to help yourself for people to help you


wait ah, yes , what makes you feel a lot well what no what what kind of question is this what makes you want to be alive everything


why I I would actually ask why not why do you not want to be alive, ya, ya ya ya exactly what amazes you what when do you


ah this one I'm curious !hey! grace when did you blush the most, , , private talk private heart to heart ah, oh okay oh okay stop


financial relation related topic


do you have personal insurance


and your experience


my personal insurance provider is


Aviva its, a integrated shield plan I don't know what does it do but, uh, I think it's about health coverage, and, like regarding the hospital is not what I paid for is my what is what my parents paid for so


I also don't know the benefits lah ya, so do you have a endowment plan


wait so what does the plan do


oh wait so you can take out you you put the money in ah or what


oh, oh like from your own account, oh, oh I don't have, a endowment plan but I think I will have it like maybe when I'm in my early twenties


ya so, do you mix insurance and investment or do you keep them apart


I also think I will keep them apart cause I think, after setting aside ya


I think I think after setting aside uh money for the insurance like the next step is to build a financial plan and keeping them apart will like make it less messy


ya, ya , do you think term life insurance or whole life insurance is better like for you


no I think it's like more, I think it's like more affordable also, like, after choosing term life instead of


the whole life right, maybe the difference can be used for like investment


the investment linked policies, ya investment linked policies, uh okay I also don't have


do you think CPF insurance coverage is enough for your insurance coverage, err I think I think it's just


investment linked to insurance I also don't know, I never CPF ha CPF meh I don't know lah but, !aiya! we just go to the next question lah


do you think uh CPF insurance coverage is enough for your insurance coverage


then what are your thoughts, I I I think is enough lah, for the time being lah maybe when I'm older maybe I'll need more, , ya and like, when I'm like very very old and like prone to


like I don't know illness what are your thoughts on, dependent protection scheme, you know what is that


I think the the I think the dependent protects protection scheme is like, in the event of like death or terminal illness right it can provide a coverage of up to four to six K


up to where you are like from twenty one years old to like sixty years old, at all singaporeans and PR have been, can opt out from it but I don't think anyone will opt out lah


singaporean or PR, ya you can choose not to have it, for the medishield life is uh, uh I think, ah ya it's basic uh health insurance lor everyone should have


then elder (hmm), medisave ah medisave medisave is, uh, national medical savings scheme, it's like help individuals like


put their income aside, for, like medical use medical savings, surgery , ya


elder shield is, like, disability like severe disability insurance scheme lor, then like when you old and you have if you'd like touch would have like severe disability


, then you as a policyholder you will you will receive a monthly cash payout for a certain period of time, I don't think is for rest of our life I think it's like for a period of time only


lah, if you at it's like if it's like severe disability ah, then when we cannot take care of yourself like that, okay so would you, approach an agent or DIY when it comes to insurance planning


I think right I will approach an agent, if I need help with planning and insurance, cause I think I cannot do it myself


like, I wouldn't know like the rates and everything, maybe like getting a agent, would, be better for me


what do you look out for when buying an insurance policy do you see it as an essential expenditure


I, I think I see it as an essential expenditure


I think having an insurance is like, quite important, especially if you are getting old, then you think like ha, you say


to get an insurance ah, I think when I start driving a car, ya it's very important


then what kind of insurance do you think like is essential for people at like our age


yeah I think the accidental one is like quite important, me I mean you also never know what will happen what,


what percentage of your income do you spend on insurances and how much coverage are you getting from your insurances


then like coverage leh, [orh], oh, I don't spend like, I don't spend my income on insurance cause is I don't pay for it


do you get, I don't have I mean like I don't know I don't know, do you get insurance from a single insurance provider or do you like pick and choose insurance product from multiple companies


actually I think I will get from like single insurance provider, cause like I'm more, like a convenient person like I don't want I don't want I I don't want it to be like very troublesome when I have to like communicate with other another one and then when I get another insurance from another company have to communicate with the other person also


like quite, I don't know eh quite troublesome for me, then do you, then do you get insurance when like buying a car getting a property or travelling overseas


I I think buying a, car is uh definitely must have for insurance


cause I mean if, if you are a reckless driver then if you hit somebody's car then after that the the insurance company can pay for your losses, which is good and like travel insurance is like


is, I mean is like good cause, whenever there's like a flight delay or, or accidents that happen overseas like falling ill, all these can be covered by travel insurance


what do you look out for in an insurance agent, or like what will you ask, what would you ask your insurance agent


what type of, insurance is like suitable for me


or like this if the situation I'm living in now like what is best suited for me, then if you are a insurance agent then what will you ask your client, ya ya what would you ask your client


I think I will just like get to know them better, and like, understand the type of life they are having, the type of income they have


after that give them the suitable, insurance policy, ya, okay


are we done, credit card, uh no I, thought credit card is like when you, you need to pay for it right annually or something is it


how about what is it for I mean if you got a debit card why you need credit card for what interest rate ah


is for what interest rate ah


I think now I don't need credit card maybe, maybe when I start working


of what credit card ah, depends on the bank depends on the bank lor see what type, see what type of credit card you get, you want to get, then they will list the benefits I think different different banks got different benefits of their of their credit card


(mm)


negative experiences


what is something that gives you goosebumps, or like, like what you watch or read that will give you goosebumps


wait are you like trypophobic


wait so you can see like holes, !wah! I'm I'm like I'm damn trypophobic eh I like if I see like, if I see any image that has like like one thousand holes right I will like


like I would like cry lah like I damn scared, ya ya ya ya like I cannot one ya I'll be damn scared, okay you you don't have any like phobia


wait you cannot think of any or legit don't have, how did you insect leh


like cockroach, ha you like you don't mind like like catching it ah, !wah! damn gross


oh , wait then you throw the cockroach at him


okay describe a, time when you feel that you have committed, something wrong and you cannot like get back up and start over


wait lying or dying, that's all ha that's like the like


I think what I did is not like wrong but like just a regret [loh], that I did not study for my O levels enough, and like it's not like I can turn back anyway


but if I can turn back I actually would leh, like come to think of it, or describe an event that make you angry I know you don't get angry


wait so you don't get angry, then like what is the most angry thing that ever happened there'll like you angry like will the event that make you most angry


ha who are they wait then you like what happened


!walao! but I I never like see you like angry before sia


like you damn ready eh like even if you are angry is but you also don't show it


I mean like confirm got things that make you angry one what like those group projects and all


oh, wait then okay eventually do you mark them down


wait no you cause you know like last part you have to write like


ya ya


but like is like not your friend then then you got include her or not, I mean okay lah she's not as familiar like a, !wah! so nice


what wait so that's like the nearest that you you are angry, so little, that's the nearer uh what you see


okay lah true also, if me I'll be like angry and then I angry finish already then I do , I


ya, ya next time don't work with them, do you think there's an issue that like the world needs to do more about it


issue ya, , !wah! but actually I think like singapore quite, like


well mentally friendly eh no meh, oh ya, but I think it's not enough lah maybe it's not enough


wait do you ever like have you ever like hurt someone's feelings


you confirm is like the girl like you then like you rejected her something like that right, ha he's a guy, oh so what happened


oh wait then are you all still friends, !oi! Xiumi still got talk but not close


oh, okay


I think, I think I also have okay lah I think, I have both guy and girl but the my, but the one lah is like my friend she she like friends with me like four years then during O level period like we fight


and she stays like opposite me, so she like take my car to school eh, then when we fight right is like, like, when we fight right she, I ask, asked her if she still want to like take my car to school then she said


uh no it's okay, uh I go school myself, like I don't know why like like we were like what sixteen eh, and then we like damn close sia, is uh I think like a lot of problems just accumulated then


it's just like burst lor, no no no no no no, she's like very, no she's like very I think she's like very nice one


and I'm also very close to her so, I and I, like cause she stay opposite me then always go to her house then she also come my house, then we that that big fight right really like split us eh and like it's like nope it's like hopeless already is cannot get back together already


I see, not like as in a relationship but like a friendship you know then, she, she just send like a long text but she just say in at generally she


I guess she's like okay with this, situation, and and because it was O level period right so we like fight before we graduate, then, after that we like halfway halfway through O level period we never like study together anymore and


ya we didn't graduate together lor I mean graduate together like but like we didn't we were not even close anymore, after, but like after one year right, like I went to text her like I, like I cause cause a bit awkward like I'm going to like see her cause she stay in the same condo as me then she stay opposite me then it's gonna be so awkward if I see her or her mum somewhere and then what am I supposed to do like if we're not okay


so I ask her like if, we can be like okay lah I mean we don't have to be like friends again what like it just okay okay terms lor like no beef then she like say okay lah cause if she see my mum also a bit awkward if I see her mum also a bit awkward then then right cause I always see her mum


mum then I, I I mean I got say hi to her mum lah then she also will will say hi to me, once there was once I went back home then she we took the same bus but I didn't see her lah, then I only see her when she got off the bus but, but she like took the initiative to call me I didn't see her but she saw me first ya


she very pretty everyone know her, he was the ya but you call her #xiao mi mi# I show you before


what's the worst thing you have, ya, what's the worst thing you have witness and kept quiet about


ha really, oh my god from who


, oh my god how much


ha then the other friend know or not, so eventually did he know, wait then were they still friends after


oh like he forgive ah !wah!, !wah!, !wah! damn lucky he forgive sia, I don't think


I have witnessed anything bad, ya I I never like, witness anything bad and kept quiet about it cause I will talk that I was I will accidentally say it out


like even like the most bad thing I will say out also, okay lah no lah maybe if like, if like, let's say the person say don't tell I won't tell lah, lah, but if it's something I accidentally see I will accidentally say also


what is your greatest fear


oh so you scared of dying lah, oh oh oh okay lah same wait would you how, oh wait how will you want to die


what the hell anything like you do you don't mind dying in pain ah, ha really !wah! scary, I want to die in my


I want die in my sleep, ya I don't want to like like see blood I I think I will like !wah! cannot cannot, I don't want see blood I want die in my sleep


, what describe a time you are able ah you are unable to help someone, in need, I think you always help people right you won't like


so like you like whenever someone asks for help you will just like try our best to help


wait what makes you want to be alive I haven't like, on I'm very curious, what makes you want to be alive like, continue living


wait what is, what is your like like life goal


like what would you do to the max that until you happy about,


wait why leh you can become in like some, like singapore team after that you can like extend what, right


wait then wait like what is your, like like dream job


soccer coach [ah] (ppl)


positive experiences


describe a travel experience, positive one lah


oh, wait twenty fifteen so it's like you were fifteen years old


oh, I I think uh sorry to where, wait so you go from singapore to Beijing


oh, what eight hours, I think all my travel experience like quite good like quite okay but like my first travel experience was when I was four years old