when it comes to that it wouldn't affect my grade because of course I'll I'll I'll take I'll do whatever it takes to increase my grade and because I'm the one putting the effort I wouldn't wanna get a bad grade because someone else wasn't doing their job so uh not just me


the rest in the team will will certainly do something about it to bring up the grades uh which is which brings to the point where I mentioned about freeloaders so even though it's it's the one they are the ones who backstab you or they are the ones uh doing all the drama


uh they will eventually still get the same grade as you lah so that's kind of a , irritating or annoying thing about it and yet, sometimes sometimes the professors or rather the teachers can't do anything much uh they are bound to a set of rules uh so I guess there's nothing much you can do about it at times but standing with people yes it has sometimes affected me


uh because uh I mean as the word suggests it's backstabbing so most probably the person might be just saying something behind your back to other people in your team when that's not the fact so, until you prove it I guess


it kind of sticks with you but once proven then everyone will know who the culprit is lah so yeah then it will be in your favour but until that happens or if it doesn't happen where you can't prove yourself then I guess that kind of


put you in the in the wrong shoe uh in the wrong place so ya, yeah


[orh] there are actually countless but I guess the main ones I guess the main ones which really kind of gets to my head is terrorism and uh environmental issues


it's the the aspect of it is that for environmental issues is that I'm really pissed or rather annoyed with people who are negligent of it, they know something is wrong but they still can't be bothered to do something and those who act upon it uh they're constrained or restrained by uh policies and rules and laws which uh


govern nations and people so, yeah sometimes you feel like your hands are tied even though you want to do, what's best for the environment or earth itself so yeah I feel like those are the kind of injustices which kind of gets to my head where


like, it it is not just you paying the price you know it's other species as well so I would say that is uh not fair, so ya that's one small part about environmental uh the rest is terrorism where innocent people who didn't do anything wrong dies uh that is also something which gets to my head because uh it's not fair you see you you basically die for no reason


so ya that is and it's also the fact that it kind of tarnishes , some of the religions the the face of some of the religions even though that's not what it means that's not what the religion stands for so it kind of portrays it in the wrong way and uh yeah things like rapes


inequality most of this unfair stuff so ya


part two positive experience


okay maybe jessica you want to start first


is this with regards to Singapore or overseas or, so for overseas uh the max I have travelled is Malaysia so uh I'm just gonna talk about Malaysia


I would say positive experience in the sense of I actually like to go to Malaysia to eat, and also to mostly to eat and uh maybe just have a for like leisure like example watching movies and everything so I also like to take a drive to Malaysia to be honest because of the length of the journey uh I I


I honestly like driving so that long journey the waiting time the waiting time is not really a positive thing if I'm on a bike but on a car you feel it's uh nice especially when someone is around you to just uh slowly listen to the music uh


talk to the person and also basically just have a relaxing time lah and going to Malaysia itself I like it because uh firstly that they have a lot of food uh just at the border itself, or they have more variety in food for a cheaper price of course


and uh movie wise also I feel like the price are way cheaper but it's because of the currency exchange so yeah I I would I I actually like the experience in terms of going to Malaysia uh about Singapore to be honest there's most most of the places


uh I kind of like it uh in fact just going to the park itself is it I would say it's a positive experience, and then I am a person who like to eat junk food so but not like the Mcdonald's kind more like chips or chicken uh cafe hopping uh for for the matter so uh I like the cafes in Singapore uh most of them are kind of nice


but uh I particularly like the one at Dempsey hill uh most of the cafes there , are pretty much nice but the environment or the ambience itself is uh is quite nice to be in so ya I would say that


so I I like the kind of finger food mostly but more than the food is more of like the ambience where there's music in the background I I particularly like it when the music is just not played over the speakers but rather someone is there singing I feel like it's a more


relaxing moment I guess where you you eat you are still eating but it's more like you feel like, you you feel positive lah it's a very uh relaxing moment yeah you don't you you don't really have to bring your uh bring your friend around uh bring your friend along you can be just there alone eating and still be enjoying the moment where especially when there's someone singing there


so yeah, correct ya uh live performance in the sense of not really it don't really need a team or something just one person sitting down there and singing is also fine, yup yup


how about you maybe can you describe what is the proudest moment of your life


ya actually I I agree with the same point uh the proudest moment of my life obviously is graduation day where I get the cert and


basically I get to graduate because it's kind of three or four grilling years so uh yeah getting there is even though it's just a paper knowing that you earned it uh is it's something lah so yeah uh I would agree for that same moment


may how about, do you have uh like, what what is like the best movie or TV show you have ever seen and what do you like about it


or I can start off first then you can have some time to think about it, uh okay so maybe for best movie I would say I mean there's different languages but I would say uh I'll maybe talk about english uh of course uh marvel movies most of them uh I mean I love all marvel movies X men and everything but


the reason why I like it or rather maybe I I'm I'll just stick to one most likely the X men series, uh the reason why I like it is because of the diversity in it and the fact that it's diversity not just in the sense of uh the different kind of races but uh it's also about LGBTQ


uh things like uh the skin colour they there there's a lot of , the there's a lot of diversity in the form of people coming together uh just to act basically and also there's uh a lot of emotions uh being portrayed uh especially in X men series uh so and I'm a kind of person who likes uh love stories but


for X men series I feel like there's a lot of emotions running around where there's a lot of pain there's a lot of sorrows and you you kind of feel deeply connected uh I feel deeply connected to that movies uh because I can relate closely to them


so yeah and I I feel like I learned a a lot about morals as well, and how not to take people for granted and things like that basically I learn a lot of stuff from it so yeah that that would be something I would say how about you


okay, okay


when it comes to food actually I don't really have memorable uh it's more of like I just like the food or not so if let's say I really really love the food then I guess that's my memorable moment so, uh judging from that I would say I have a lot of memorable experiences or rather favourite places one of them is Chix hot chicken


and also things like Fat Boys and all that mostly unhealthy food lah junk food so yeah so yeah I would say these places are, I I love the food because uh not just for the food but for for the ambience as well it's a place where they kind of uh share a positive vibe where you can just go around with your friends and the staff itself are very welcoming so it's not just a place where you just go and like


uh you feel very mundane where , like you you just go there to eat and that's it these places that I mentioned, I feel like even if you go alone or even if you go with someone else


the staff always makes you feel welcome uh they always feel like, like you're not neglected kind of thing uh so yeah I, ya it's it's because of the feeling that uh I like these places uh and not just the food


but of course the food is amazing so, yeah uh yeah so that that's how I would say how about you yeah, yes yes uh equally because, I mean even if your food is not really uh say the greatest of course if it's bad food I think even customer experience cannot save you but if you have uh moderate kind of food but the staff is very welcoming the staff uh like I mean if they have a


warm ambience then I would say sometimes you will still feel like coming back to that place just because of the staff because you feel it's I wouldn't say a second home but it's a place you will feel like coming back to so yeah


(mmhmm) yeah so maybe ya sorry, maybe you want to describe, uh what you love most about yourself


I would say uh uh uh I think one of the things it is similar to yours uh mostly it's hard I feel like I'm hard hardworking and I don't give up too easily uh it's it's similar to the same thing as seeing through things


I feel like I don't really give up on something unless, I I really feel like it's not doable or unless I feel I had exhausted, all ways or methods uh known to me and if I need to seek help uh if not most of the time I'll just try to


uh I'll try to see through it myself uh make sure that I finish it up, uh maybe one constraint I'll have is uh time constraint because uh I would say I'm a bit slow in doing things so, that may only be that may be the only challenge to me so other than that even if if I don't really have time constraint then I would uh try my best to actually uh


complete something so ya I would say maybe that's like, a positive thing about me uh something that I love about myself that I I don't really give up easily and how about three things that you admire about your best friend or partner


sorry uh can't hear you


okay okay, I would say uh one of the thing is yes support system uh they don't give up on me easily when there's problems like we always try to even though we are fighting there's a silent war and everything uh we'll always work things out


basically something like uh uh I would say a family logic, where we don't just because we are fighting or just because we have a silent war with each other we won't let it run for way too long because once it becomes irreversible I feel like the damage is harder to kind of uh unwind back


so ya I would say about the support system , maybe two other things is one is trust which kind of uh lays off from the the support system as well I feel it feel like we always


can trust each other in the sense that we don't necessarily have to take something as, that they're lying about something because uh most of the time apart from for surprises uh we don't really lie to each other and we kind of uh we kind of make it as


a base rule like a something which is understood that we don't lie to each other so whatever they say I would say can just blindly believe lah because most of the time there's no reason or rather that they won't even I would say they won't even lie so


ya and third thing I would say is, uh maybe the fact that , you can every time I go out with them uh it's more of like a


positive experience they don't ruin it or if let's say if they have issues with someone else uh, wait because of something that happened uh it doesn't run, to everyone else in the group uh if let's say they have a issue if let's say it's a


a team of five people then if two of them have issues with each other they don't really argue it in front of us, they will rather settle it among themself in a mature way so yeah I would say we have we have that respect with each other so I would the word is respect lah basically


we respect each other we don't really, try to bring down anyone else obviously so yeah, uh I would say support system, trust and respect yeah


I generally feel like watching movies is the most relaxing I'll ever relaxed I'll ever be cause uh I mean even if I don't have work or even if I'm not doing anything I would most probably just Netflix and, uh yeah Netflix but even in Netflix I watch movies only so


uh yeah watching movies I would say is something like a hobby uh because uh it's not just about new movies I I watch stuff that I have already watched before as well so I find it as a way to relax and if let's say I'm having a stressful day or I'm stressed out from work or from studies


taking that time off to just watch a comedy or watch a romantic movies in a way uh , a way to just relax myself and kind of calm myself down before I have a go at my work or, uh uh studies or assignments again so ya I would say movies how about you


okay alright can


yeah okay can (uh) shall we stop the recording


part one finance


uh okay yes so I do use a savings account and I choose to use a savings account in the bank because I, uh okay are you able to hear me now, okay, I mentioned that I do have a savings account and I choose to use a savings account in a bank


as I feel that it's actually , more safer to put your money in a bank and even though I feel that that for most savings accounts in Singapore the rates are not interest rates are not that high it still gives you a sense of assurance that your money will be safe and other than that the reason why I choose to use a savings account is also because of the fact that


it's very convenient instead of like uh when you we have a lot of uh ATMs and such in Singapore, so when you go out and you need money you are able to withdraw money , like as and when you need so instead of like carrying around a lot of cash with you it helps to have a bank account in my opinion lah so uh to you may I ask uh do you have a credit or debit card


okay so which means that in the future there is a chance that you might uh still, apply for a credit card when your finances are more stable


ah okay understand, personally I would I mean I would say, it depends on the child themself but I would say around eighteen and above is a good range because I do feel that when you are below eighteen there's like you might not be in you might not have the best financial knowledge nor uh have like uh


good spending habits at that point because I do feel that you are still quite young so I feel like if you are above eighteen I believe that there's more resources available to you in terms of learning and you might also feel like you might feel more like a because you are becoming a young adult I mean you're going to become an uh


young adult so you might feel that, it's about time for you to learn about the different forms of finances and also the, good and bad of it so I feel like if you were to open a, bank account for uh uh ATM card for a


child below that age I feel like they might abuse that, compared to if it is a compared to if it is , before you're eighteen so I feel that uh eighteen and above is a good age to start a bank account for a child


so ah no uh I I'm done with that


okay ya I do agree with your views as well while we're on the topic of uh ATM cards and as such I have a question to propose how what do you think about like cashback points miles and basically things you can get rebates for


so, in a way you would say there's like pros and cons to it and it depends on the user whether they might end up abusing it or they might use it to their benefit because like, by using it to their benefit they could like reap the benefits of their purchases purchases that they do need compared to uh using up just for the sake of using up the voucher right


yes okay


I would say that uh it, it actually solely depends on the way the couples work because it this might work out for some couples but it might not work out for other couples because I would say in the sense that it's a good thing


it could be a good thing to open a joint account because you are able to combine both your finances and are able to use it from there and especially for a things like uh uh things that you have to spend money together example for like household items and or uh


things that you pay as as like like utility bills and as such, so for that trying to use the money from the joint account is a good idea because it it's something that you both have to contribute to and it gives accountability that not just one person is paying rather both is actually paying for it and you can see the flow of money


but in a sense I could I would say that it might be a bad idea for certain couples as well especially those who kind of , crave more independency of sorts financial independency in the sense that if they have their own purchases to make it will be beneficial for them to have their own account rather having a joint account because if they do have a joint account if let's say someone's a shopaholic as you mentioned just now they might be inclined to like


ya withdraw like large sums of money to feed their shopping needs from the joint account at which might their partner might not approve and that can cause uh financial tension within the couple so, I would say there's like pros and cons to this so uh I would I'm curious how about you what do you feel like


yes some, I like agree with you as well like in terms of separating uh, that of uh common needs like household and that of uh your personal needs so it's like having the separating those streams of income is a good idea compared to combining all of your income cause that might cause some tension after all as you mentioned as well


ya, okay uh so, there is always the saying I mean a lot of people have the opinion that the bank interest rates in Singapore is quite unattractive


so previously I was talking about money I feel that the money is safe and more accessible in banks so how do you feel about this do you feel that since the rates are unattractive you'll rather invest in something else or would you still prefer putting your money in a bank perhaps


ya I also have a similar opinion in the sense of uh like at least having some base knowledge I mean even if you are trying to learn on the experience still have some base knowledge because especially trying to put your, money into investment like let's say the stock market it's very easy to lose your money if you don't know what you're doing at all


so yeah it it makes sense ah investment is a I mean there's a reason why there's like, high risk investment and low risk investment there are ones where if it's low risk uh you will take a long time before you build some money and like you see any form of significant


improvement from an improvement from your initial amount but that's the reason why it's lower risk so in terms of uh using this as savings like it's especially if you are going for low risk it might not be the, like you do need to have other savings plans compared to just using uh investments as savings uh at least in my opinion lah


yeah, okay so I personally don't have any experiences taking loans but from what I have uh seen other people go through


I would say the process of taking loans is kind of a hassle in a sense especially if you are not like someone who, has done it before or like knows what they have, uh knows like the different options and the different things because if I'm if I don't I'm not understanding it wrongly in order to take loans like there is uh like for example uh uh perhaps a housing loan like there's a lot of procedures a lot of steps a lot of people you need to go through


and if you're someone absolutely new to it and you don't actually have any like you have not hired anyone to guide you through it, it may be complicated to do on your own especially if you're not someone who's IT savvy savvy as well, because like it like example you're not IT savvy you can't just research up the information because you are not well-versed in it


so I feel like the experience of getting loan is quite a quite a hasslesome experience but at the same time at least from I'm not sure for all the loans out there but from the ones I have seen as well the interest rates of the loans tend to be pretty high as well


so like for per month fee the amount you need to pay back, it's like uh the the interest of it is pretty high so in a sense if it's possible not I mean I understand that in a lot of situations you need to take a loan but if it's not necessary to take a loan it's best to stay away from not taking one ah in my opinion also because of the fact that


uh there's like the commitment which comes with uh taking a loan you need to ensure that you have the financial means to pay back a certain amount every month or every few months or however it work however it works and like you need to ensure you have that kind of responsibility going for you


yeah I also agree with you on the fact that uh as well like like you mentioned just now just in in a in a scenario that you cannot pay back the loan the bank is not just gonna listen to the fact that you cannot pay back if it's especially if it's like a few time


I'm sorry is it better now, uh as as in the bank is not just gonna listen to you like especially if it's like a recurring thing in a sense that you're having extreme difficulty trying to pay back it it might it will cause for a lot of troubles in the in like a lot of legal issues when you're not able to pay back uh so ya


part three part three negative experience


uh okay uh, what would be my greatest fear I would say my greatest fear would be , oh uh yeah sorry my greatest fear would be like


I I would say the lack of recognition I mean not not naturally the lack of recognition but perhaps like not give it not being given the like, right recognition in the sense of perhaps like it's it's like my work but instead of uh getting like the proper recognition or credits for my hard work


uh somebody else is credited for it so I would say it it I'm not too sure if that's my greatest fear but I would say that that is like one of my fear because like something I work towards and something I put my heart


work and uh lot of time and effort into if that recognition is instead of, being uh given to me if if it is instead being credit to somebody else I basically I would feel discredited and because of that I think that'll be like a fear how about you


yeah I hope you don't have to end up going through that ah so I have a I have a question for you what do you consider your perhaps biggest pet peeve or like something that really really annoys you like grates up your nose


uh like the first one so it's like something that is your biggest pet peeve so like something that annoys you like just really really annoys you is there something as such


do you feel that uh I'm sorry do you feel that that might you mentioned about your one friend right so you do you feel that that might have like affected your relationship any any sense or usually after the incident has happened like you look past it


okay I understand so uh ya


experienced loss in my life if uh in the terms of like losing a loved one I would say that uh not really I've not naturally experience that so I cannot speak from that experience but I have, uh yes yeah I I would I would hope that it remains that way too thank you but


like I would I would say that I have not naturally experience a career loss or anything as such which affected me uh a lot but rather just like they were all minor ones in that sense


but in terms of uh, in terms of uh is everyone able to hear me


!huh!, what, is everyone able to hear me


yeah we are like yeah I think we were connected because I kind of lost all of you suddenly, uh okay can sure uh ya I was saying about uh career loss


I would not I would say that, I have not naturally experienced any career loss or materialistic loss


okay like not any that has like reflected like uh, a lot on me in the sense of I took it it was like a huge loss for me but in terms of uh like losing a loved one I have seen it happen to other people before and and even though it's just secondhand experience it's still it's still devastating to actually see it


because it's like like I have seen other people lose like their parents or their best friends and especially in if like if it's due to a disease and stuff, you kind of see it like you at least have a inclination to knowing that this might happen but if the kind where it's like out of the blue it's like a perhaps a accident or any form of


death which came out of like basically the in the sense of uh you didn't really see it coming kind of thing it's it's very devastating to see it uh as to see people I know go through it's it's a very harrowing experience how about for you


I'm sorry to hear that


alright


I have I, uh okay ya sure I have not naturally had any best friends who backstabbed me because like I mentioned earlier uh during the other topic that I would say my friends are pretty loyal that's one thing that I look for in people as well


so I have not had any experience being backstabbed but I would I would assume that if I do get backstabbed that'll be genuinely it will be like it it will just mess mess me up pretty hardcore


because like uh, you would you would don't expect that out of the person because you are putting like you are being loyal to the person and suddenly the person does something to you which, is it it's it's it will basically I presume that it will like really mess me up in that sense and I don't think I'll be reacting well to it at all uh like


not in the sense of like backstabbing but I have had experiences whereby uh like like let's say that clearly like perhaps maybe a opportunity was coming for me, and the person also knew like for example project mate uh a colleague already knew about it but they still went in to like like credit it to themselves and like kind of snatched the opportunity out of uh like


in a sense snatched the opportunity away and that kind of made me felt cheated and like it it felt like I got cheated lah and like in the sense of reacting it's like, uh usually like in the sense of I have not gotten very confrontational about it but because it usually is not too serious like it'll be minor like I would still not feel well about it but it will still be minor enough for me to like look past like I might not


feel the same towards them again in the sense of feelings but uh through time I would say it will like go back to normal kind of, eh in that sense for me ah so uh would you say you have had any experiences as such


would you, alright okay would you say that you have been in any experience whereby, the said experience like really blew out of scale and it just became a whole thing and perhaps affected your grades or your standing with your peers or as such since you mentioned you had a lot of group experience a bad group experiences


yes uh, I understand like what you mean it's in terms of professors uh or like teachers not being able being governed by certain rules unfortunately it is an, it it is a unfair practice but something while you're in educational institute you don't have a choice but to go through so yeah have a question for you uh what are some injustices of the world that actually make you angry


could you care to name one


part two positive experience


uh ya sure so uh, okay uh what what is one place that you have visited and like why do you like going there


it actually uh you could say for both experiences one in Singapore and one overseas if you have experience travelling overseas


may I ask like what kind of food like since you mentioned you like cafe hopping what kind of uh ambience in the cafe or like what kind of foods like attract you towards a cafe


so it's like you, so like uh live live performances it's it's like your thing ah


okay understand


okay uh so in terms of proudest moment of my life I would say it's uh, getting my uh, uh through my education I would say because uh, like I spent many years working hard for it and then finally being able to get that certificate of my achievement even though it's just a certificate at least to me it shows my the hard work I put in and all the effort and not only that


the amount of knowledge I gained through the experience as well so it's like, so in when I finally received my certificate after all the years of uh, hard work it was like my proudest moment because uh it was I would say it was not only my proudest moment but it would would it was also like a proud moment for those uh like connected to me I mean like my loved ones ah because uh they also know how much of


work I put into it so because of that I feel like they were proud for me so of like what I have done so I would say that would be like one of the proudest moment of my life how about you ya yes


yes ya, best movie or TV show that I have seen


yeah sure please do


okay I understand what you mean and for me I would say in terms of uh I, I'll I'm can't naturally particularly point to a particular movie or TV show but I'll rather speak about the genre because I tend to watch things from particular genres and for me I would say I like watching


uh uh, things I mean like shows or movies in like genres like uh horror or would say perhaps things of intrigue so it's like it create clear it like keeps the viewers engaged and


like allows the plot to flow so it's like it keeps it keeps, you engaged ah basically it's like moving forward and you're constantly because I do like to think during a movie so in that sense of I'm trying to guess where the plot is going and like am I guessing it correctly or or if I'm not like how they cleverly uh like weave around with the plot


and also character characters are also very important to a movie or a show okay I'll just speak about movies right now, like characters are very important to a movie also because they are what brings along with plot there are also what pushes forth the movies because like if let's say you're watching a movie where you don't naturally


like they're very annoying characters or they I mean some annoying characters do have their charm, but uh if it's just very bland character two D characters it's eh you are not naturally getting too much out of the viewing experience compared to if it's like a full-fledged character they will make you think so I would say I like movies which uh has like full-fledged characters and


uh in like the horror genre uh not, naturally supernatural will be like horror intrigue kind of , uh genres yeah, yes okay uh, I going back to the topic of food uh


what would you what would you consider to be like one of your favourite foods or like one of the best meals that you have had in a let's say a restaurant or a hawker centre or anywhere that you found that was very memorable


I okay


so it's like the customer experience is also like very important to you I would presume


yes I've I agree with you on that points as well, (mmhmm) yes ah yes


ah yeah sure uh okay so what do I love most about myself I would say , I'm pretty determined to like see things through, like uh let's say uh I might have difficulties with doing a certain thing and like


it doesn't naturally come natural to me so I I might I've might find it difficult but I would still , I feel like I'm still determined enough to uh, like see through things like I'll try my best like get help or uh


by basically just basic hard work I'll try my best to find ways in order to be able to see through it and, get the results that I want but at the same time I I do understand that sometimes that can be a bad thing for me too because like certain things just might not be it and I should like like uh


uh like after some time maybe it might be time to like move on to other things but, but in a sense I would say I do like those uh fact that I'm quite determined to see through things how about for you


okay, uh okay so uh three things that I admire, would be I would say uh, they are very loyal in in the sense of like


sorry that I uh three things that I admire would be the fact that they're quite loyal so if I have any, troubles or I need like, basically a good support system so


through thick and thin they're like always there so it's like a very loyal support system and I admire that about them, and other than that I would also say (uh huh), they are good company basically so I mean of course everybody wants good company and uh they are my friends because uh


I I like that about them so ya, and uh uh how about you what do you admire about your best friends or partner


okay okay, actually I have a question for you uh, uh what what would you consider is your favourite activity to unwind and relax like at the end of a hardworking day or just generally


my answer would also be pretty similar to yours inside do like watching movies as well but like I enjoy it because it's like uh, it's you can it like it takes you out of your own head so it helps with the basically the relaxation aspect of it yeah


part one finance


we have hospital insurance, uh in, investment linked plan


uh no we don't have, a a few thousand like ten thousand


then like like uh fixed deposit plan, what percentage of your income do you spend on insurance, how much coverage are you getting from insurance


currently we're not sorry I am not working, so uh my partner my husband, is the one who spend on our insurance like thirty per cent of his income including the kids


uh we cannot remember how much is the coverage but, uh I believe it's sufficient, we have only a single a single insurance provider


uh because uh, we are very close with the, uh insurance agent and (ppc), uh I used also to work in the same insurance


ya uh we we do, get insurance when we got a property, for travelling uh each uh and each of our children have, uh insurance, uh so


the kids have their, uh, what all the necessary insurance, uh CPF insurance


is not enough, the the medishield life medisave is not enough to, cover hundred percent unless if you uh go to the c class, but


it also not hundred percent coverage depending on your sickness uh as for medisave uh it is, limited, to whatever we have inside if it's beyond the medisave (ppc)


we wouldn't be able to afford, whatever that's (ppc), beyond that unless with this insurance to cover


I would only, I would I'm, very comfortable with my currently agent, so I wouldn't, plan to do any DIY insurance planning, cause uh


I have trust in the agent, insurance is, very important for, our (ppc) health, needs especially hospitalisation and accident


uh critical illness we don't know all these when is it going to happen so it's very unexpected and I believe that it is very uh essential expenditure, uh if


if we really need, to, uh utilize the insurance, especially, when we need to utilize it, what kinds of insurance are essential for people of your age,


the basic insurance will be hospitalisation accident and critical illness, these are for me the, essential of people my age, what do you look out for insurance, for an insurance agent


uh for insurance agent of course we would want the person who be responsible, and the one who would help us during the need uh during we are in need to claim, (ppc)


then uh this agent would help us, with reflects the procedure to claim, and make uh our claim


usually we would ask, uh what the question we would ask to the agent is that uh if we can afford or, if we cannot afford


uh what is the coverage like, and, what are the benefits, if you are an insurance agent what question would you ask a client


with any uh the insurance coverage, oh I would definitely ask their, project first, and then ask them what do they need to cover, if they don't need


unnecessary things like endowment probably, I wouldn't , even introduce unless if it suits a budget, buy term and invest the rest


do you mix insurance and investment, or do you keep them apart, I I do have, mix insurance and, investment uh I do have this


uh investment linked, plan, term life insurance or whole life insurance, if you think is better for you


okay do you have personal insurance if so share the detail


and your experience with the policy if not why do you choose not to have the insurance


do you have an endowment plan if so share the detail, and your experience with the


it's like fixed deposit plan


what percentage of your income do you spend on insurance, how much coverage are you getting from your insurance


can you get insurance from a single insurance provider or do you pick and choose insurance product from multiple company and why


do you get insurance when one buying a car two getting a property three travelling overseas four having children five engaging domestic helper six engaging in commercial activity if so share the detail and your experience with the policy


it actually we don't need to read the question we just answer the question, okay answer to number six


oh I don't think CPF is


uh enough that's what you need to have insurance because if let's say there is an expenditure for our medical, more than whatever we have in medisave for medishield life of course we don't have the money or extra cash to cover that's why this AIA insurance or any other insurance will cover on top of whatever medisave and medishield life cannot


(ppc) can cover (ppc), you I already answered this


so number eight is what


and then number nine


kind there is hospitalisation there's accident there's critical illness


by term and invest the rest do you mix insurance and investment or do you keep them apart, but we do have investment linked plan you know


we have investment linked plan, no , no this investment linked plan is an insurance and also an investment so we pay at example fifty dollar


some part goes to investment some parts to go, to insurance so when the maturity comes, it's uh we can get money but also during this period we are insured there's there is


coverage for us, term life insurance and whole life insurance which do you think better for you


, okay , I have, for my one of my kid is term life insurance and one is whole life insurance, the one that is term life insurance is because we cannot afford uh we (ppc) we are paying


term to three to four years and planning planning to, convert to whole life insurance it's for their benefit so, the other one we can afford so uh we put him on a whole life insurance


uh they cover two hundred years old so when he reaches twenty one he doesn't have to pay that but it cover him for whole life, for uh number fourteen yes we do have investment linked policies


uh I think it's okay because it's like, and we get to save and also


we are promise uh not promise lah we had there is chances that during this period of time like maybe ten twenty thirty years savings we will save more than what we saved in bank and also we get some coverage on insurance


do you have anything to say


(ppc) cover for COVID lor


the question is what changes are we making in terms of spending habits we definitely are spending less


so we don't go for shopping we only buy food needs, groceries that's all, yeah we didn't spend anymore like go out or anything like that


right, right yeah the this is the changes that we have


part three negative experience


part three negative experience, (ppc) sorry


what, uh that one is I don't like it uh it's not that I don't like lah maybe is like


my phobia but something that annoys me the most is yes your nagging


your nagging cannot Tahan


!whoa!, yeah I cannot Tahan hindu style I cry


that's the reason why I don't like to watch hindustan


noor cars and on nur nur


mean describe what you dislike about the younger, or older generation, dislike , the younger generation they


uh, they don't want to know their culture there are too much on, the other culture the westernised culture they don't want to know about their, own culture


and then the older generation, I don't know I I'm the older generation


(ppc)


talk about your worst experience, travel experience, there's one time I think that


no Malacca, Malacca


yes, because (ppc)


uh it was so crazy, because all of us adult having fever


for me right when I'm with you everything is, I feel appreciated I feel blessed


but, the time where I feel that I, I feel that nothing I do is good enough is when, in my own


why why you don't you don't feel appreciated


(ppc), no you are good you are good enough


describe the embarrassing moment that make you cringe


cringy, ah embarrassing moment


so that's embarrassing and cringy for you


me I don't have any, the moment when you feel like the world is against you


so you think that they are against you


, I feel that , people don't support except for my family


people that I trust and I call friends don't support what I'm doing, and they don't, uh believe in what I can do they don't believe in my creativity so I feel that the while uh


the people that I trust was against me, what is the most traumatic incident you've ever experienced in your life


what is the most traumatic incident you've ever experienced in your life


trauma oh


the most experience is, uh I was kicked with a camel boot on my face, blue black and lots of blood, coming out of my nose


have you ever experience any loss in life, if you have describe your emotions at that point of time and how did you deal with the loss how about you


(ppc), (ppc), I have experience three losses


first is my, maternal grandfather, (ppc), maternal grandfather when I was twelve, and then


my paternal grandfather, both dotes on me, uh yes I miss their presence but it doesn't affect my life, (ppc), uh the emotion at that point of time is


sad, but neutral, because uh I accepted the fact that all living has to go at one point of time, and, the other one is my daughter


, it was very devastating for that one, uh but I also affect accepted the fact that (ppc) all living has to go one day, uh


how do I deal with it I move on, focus on something else, uh not get distracted (ppc), over it, have you ever been on ostracise or feel ostracised recall the experience and describe what you feel at that time


, probably like oppress, probably is like


oppressed like , yeah I feel loss of child when I was in my past relationship


I cannot do anything, , I I was I don't have a phone, I don't have money, (ppc)


I was left alone (ppc) with my child (ppc), , recovering post-natal, by my own no care, no post-natal care


and then also all the abuses, uh, physical and mentally, verbal ya all the abuses


what disgust you, what disgust you


irresponsible person


a person who doesn't take responsibility or commit to their responsibilities, ya, what is your greatest fear


my greatest fear, my greatest fear, is


[orh], those rape that happening


two young girls those uh baby that was thrown, away and then, those people who doesn't wear mask at this pandemic


how about you


share about the time when your best friends backstab you, how do you feel and how do you react to it, me


you I'm asking you, when your best friend back stab you any


your best friend meh


he backstab you


have you ever looked down upon by people in your life yes


have you been looked down upon by people in your life, yes my aunties, my auntie look down upon me compared to my cousins, me on me


by people in in my life


oh part two positive experience


okay , what are the small things that always make you smile ah you, ah same lah


, uh giving birth


that worth everything and also, uh cooking uh seeing everybody eat, how about you


no what other sacrifice sacrifices you made, I think you will sacrifice working ah no lah, you work day and night you sacrifice a lot lah


describe the best movie TV show you've ever


yeah, why don't you like from so funny ya, (ppc) john wick ya I love john wick I cannot wait for john wick four


no common things common things


there are three common things that we have, we both


we both have telepathy, maybe we have telepathy telepathy you know like something when we when we look at somebody then after that we want to gossip then after that we just look at each other


then after that like we get it that there's, he got the kodak that common thing then ah, we


ah ya ya we like to watch netflix, me visit, and the bed the bed to sleep


the bed to sleep


a place, and but but what what three where do you like to go, don't tell me you don't want to go fishing a place you love, a


the one place you love to visit and why, visit and why


what are the three things you're most grateful for in, life, , number one is, uh my family


you the kids mum dad, number two, I we have our home, number three


I pass my exams, I said number one is family, no three things you are most grateful for in life


in your life, !huh!


I'm asking you what are three things you're most grateful for in life


grateful grateful you're grateful not admire


, okay now the admire question


okay I


uh of course I I admire your hardworking, and doing house chores, and (ppc), and pampering us


no that's I admire your character, admire the character


netflix (ppc) and play games


me uh


me what do you love most about yourself


for oh what you love about yourself, me I love my creativity


then what do you love about yourself, what do you think you are good, at


what do you love most about yourself, I think you are selfless person


you are selfless person, selfless person, ya you don't really, you don't really think about yourself, you are not selfish you are selfless


the opposite, you are the opposite of selfish you are selfless person you care about people and you're good leader but what do you love about yourself you must know


ah you're funny you should love your funny character, (ppc)


almost every day, , what ah, cannot remember


no no recently there're some more I think #ah chao#, cannot remember ya


I cannot remember ah but it's funny Gila, funny like crazy what is the proudest moment of your life


uh, the proudest moment


when when you got promotion to be a supervisor, best meal


every time at my mom's house, every time at mum my mum house, how about you, (ppc)


but, the, so this is the time that you're, hard work has been been appreciated because they see that


that now you feel your hard work has been appreciated because they know what leader you can be right ya describe the time when I got appreciated for my hard work, my hard work


when I work in childcare, uh and, they put me as the creativity in charge, for speech and drama uh, stage design


the overall in charge for the, for the whole thing lah and I got the best teacher


describe one of the most memorable travel travel experiences, ya ya I think hong kong is crazy because it's new then after that we don't have any travel plans we just we just walk ya we just walk


there's no it's free and easy, and then we have walked from the other, part of this, area to another part just to find halal food,


what was some memorable moments, from your younger days me uh you first you first you first


[orh], me going to hospital


to surgery surgical surgically remove all my teeth, that is the most memorable for me talk about the fond memories of a pet I don't don't have


no we have remember, but I don't have any fond memories about them, or maybe the one that that oscar


I, jump out from the fish tank until it died, okay okay I left okay ya to other


okay what are the rings and goals that you wish to achieve before you die you first


what are my dreams and goals that you wish that I wish to achieve before I die


I'm a very ambitious person my dreams and goal is to get the eight million dollar landed property


what do I love I love my family I want to do everything for my family you and the kids and mum and dad, describe an experience when your faith how about you what do you love about life


okay the other question, describe an experience when your faith in mankind is renewed


you know the indian like dosa like that


how about you


describe an experience when your faith in mankind is renewed, when my past life, I was, in a hard situation


then this group of people helped me and put in the woman's put us, in the woman's shelter, to save us from an abusive, background that was an experience


uh and I have a better faith, in mankind because people are kind to me when I was in it


I don't like anything it's, I, I feel stagnant I feel that we are I'm not moving


I feel lazy I don't like it, I don't like it I don't like the fact that you are on auction then spending a lot of money


part one finance


question and answer to to to be from me and you, so let's say for example uh question one do you have any do you have personal insurance if so please share your details


if you can't it it suppose to be a question and answer you give me then you give me the question I give you my answer


ya from AIA


uh regarding about the insurance is uh is that, guided by my wife #siti satalina#


what is endowment


sorry what is endowment, this probably yes we have


oh, what percentage of your income do you spend on insurance okay so basically we usually get of all the insurance is all done by


my wife so basically the coverage the endorsement uh anything is all done by my wife because she's more into finance


no we only stick to one uh company which is only from AIA other than that uh no


yes we have err insurance for children, and err, I think as a


I'm I'm giving you the question I'm giving you my answer, (ppc), do you think CPF future coverage is enough for your coverage what are your top dependent protected him medishield life


eldershield or medisave or what she saw I think with more on uh medishield and medisave to my answer to my question to question six, do you think CPF insurance coverage is enough for your insurance coverage


the, I'm not too sure because I've not check my CPF for my medisave


(mmhmm), okay so what do you look out for when buying an insurance policy do you think insurance as an expenditure


ya lah because you ask yourself your question you answer yourself it's supposed to be you ask me I ask you what, what do you look look out when buying insurance policy do you think insurance as an yes I think I see insurance is an essential expenditure because if anything happened to me right if err I needed cash or whatever it there's always an insurance there to actually uh as a backup for me


what kind of insurance are essential for people of your age any kind it couldn't it doesn't matter how old uh for I mean err doesn't matter when you can have your insurance as long as you know where to start and then it is better to to use it


can be anything it can be anything can be anything can be hospitalisation can be school can be your car can be a property everything


so what do you what do you look out for in insurance agent what question you ask your insurance agent regarding insurance policy, no I I uh to me I'm simple I I do not ask question if needed to be questioned then I will just ask if not no then I'll just skip the question


uh it would definitely I will just err keep them apart, insurance is insurance investment is investment


what, ya that's why we do it separately isn't it we have insurance on the side we have investment on the side


okay understand


okay, am I added


okay


okay okay since now it's COVID nineteen what do you expect, the uh insurance agent to actually uh provide, what


cover it for COVID, I think in terms of COVID nineteen right what we expect is actually err actually have policy for COVID nineteen not only not only for


people who are still living but as well as err people who also, you know like err, pass away and everything so that they feel that the uh, that the family member do not suffer uh, err


what is lost from the from the loved one lah


part three negative experience


but three negative experience, so what is your biggest pet peeve or what annoy you the most I know


cat, whenever you see cat whenever you saw cat I can guarantee you you would definitely climbing coconut tree


is me


what annoys me okay what annoys me is this morning, you


okay fine next recall a scene from a movie that make you cry in sadness, watching hindustan movie together,


ya that was the one of the best moment we work together I think that was one of the duty off day, no well, no actually not only hindustan we also watch one


it's the malay drama movie eh drama show, uh seven days I love you


ya I think that's one of the also, alright next describe what you dislike


(mmhmm) okay for me, dislike about the younger and older generation okay we uh that for that for younger and older there's nothing for me


what I, actually dislike is about the technology, if the technology this this technology is destroying our life


it's actually not really destroying our life it's also destroying our brain our brains off eh, ya ya ya ya ya, because you see when we when we back in the back in the days


technology was not even famous or even recognized, we're all busy, with our own thing, err, the what the the fabulous four the


uh, backstreet boys you know with all the video video cassette player game console even before playstation came out, I game console, !huh! uh, there wasn't even wifi came out all these all were busy playing outside destroying our bones get get get dismantle and everything


and now, we are more like a wolverine, , kids nowadays don't understand our life, back in the days ah because kids are enjoying technologies


oh , there's one time I think yes, if I'm not mistaken we went to KL


no Malacca, Malacca no I didn't go Malacca with you, oh yeah, mama, heavy rain walking from custom to custom my goodness but that one I I thank god I thank god there's uh actually a few people actually help you with the kids lah


if the umbrella rain good and everything, [orh], yes exactly, my goodness !woo!


okay describe a time where you feel that nothing you do is good enough, you


describe a time where you feel that nothing you do is good enough to me I don't know maybe I still think I'm not good enough I'm still not good enough


for you lah for you and the kid, I don't know eh, uh no no no no no I feel appreciated but I still find myself, not good enough because why I'm busy working day and night uh going out from the house if look morning come back from work if look night


so don't know lah, good enough you sure or not, okay never mind describe the embarrassing moment that made you cringe


what is cringe what is cringe I don't know cringe, I don't know


what moment embarrassing moment oh yeah, embarrassing moment, ya I I that I think there's one there's one but not with a not with you or the kid it was it's with my


work friends ah that one I think I did remember I I coded this person end up I got coded for nothing, I mean not end up coded for nothing coded for some, think that I did not uh fulfill the management err instruction


you, yup


okay now next what is the most uh traumatic incident, [orh] oh [ho] [ho] [ho] !alah!, !alah!, now I feel like


I'm like a low life person you know when you are actually, breathe in breathe in things, to your work err your poor workers and the best thing that your coworker is telling you that


this is what they do to they do to me, madness madness now it seem like they are working happily without me


nah it's fine it's okay it's okay you can have it your way it's okay but, when the world drop on you don't come to me, if people uh what about you


what is the most traumatic incident you've ever experienced in your life


hang on ah let me charge my laptop if it's recharging, ya okay good alright so


while I'm doing grab at night I got mad accident with a car that was one of the worst night ever, and the best part


err, it's the Kallang traffic police got to come back and collect the bicycle that is the craziest thing, I did not pick up the I did not pick pick back the bicycle


I think you know what about you


my grandfather what happened about five years ago


he was one of my idol he used to sing an vintage song seven holiday you know and and how I deal with this emotion


basically I just look up I mean I just put up put up put my head up high and keep telling myself that he is always there, he is the although although we know that he has gone for the good know but


to me his presence is always there, so yup what about you


(mmhmm) okay, well then my


(mmhmm)


is it prayer


okay never mind you tell me yours


okay, I actually I don't know whether I don't know rather I've been for I've been I also don't know


I'm not sure, what what disgust me, when someone eat human blood lah, , brainless


what about you


[orh], my greatest fear if I lost my job and I don't know I should donate what about you


okay lah to be honest what is my greatest fear is actually right by


my greatest fear is losing my family members lah like you like kids you know, yup that is my greatest fears but I don't, know how how or, err how


to actually deal the emotion yup, so what are your what are some injustice of the world that make you angry


okay, me if you talk about me we talk about politic lah as well


I think you know you know when I when I mention politic I think you know what is the, to to take PAP and workers' party, !huh! , this I only to


you I don't know who me, I don't think so I have a best friend who back stab me oh yeah yeah I do I do


on on yeah, I couldn't use these words ah but to me I just find it that he is totally in, Chadri, not not this Chadri another Chadri


okay ah, he's I get I think he's fair he's but his skin is fair whatever eh but, up to now, I still saw him once and err he's like


somehow become a rowdy with no future you know and I still think that his, I think, ya that's why I tell you lah by using my name by using many saying to all these onto all other friends that


err, I, one of the biggest uh one of the bigger gangster in the in this singapore and everything so they come to me and say that tell me that here so I told them that no I didn't even say anything I didn't even say anything [orh] the bad thing is


their but he always said that eh this guy said, you are you are you you are this you are that and everything but actually the fact is no I didn't so, whenever I tried to confront him he'd always walk away from me he always try to avoid me so


I don't know you, have you


what, look down on me because of what [orh] [orh] [orh]


the what, oh okay part two positive experience


nah see your two boys playing together happily and what about you


okay I don't yeah definitely so what are the sacrifice you made though that worth everything, (uh huh)


to me the biggest worth for myself is nothing but worst seeing with my own eyes is that you gave birth to a two beautiful son lah


so, my sacrifice I think I don't know eh I I never seen myself a sacrifice I don't know but I see more on you


ya but, it I my sacrifices aren't aren't comparable than yours but


describe the best movie or TV show ever tag, tag, think enjoyed watching tag together with the kids and you, ya ya what about you


john wick [orh] ya that was wonderful ya ya ya of course , so what are the three things you have in common with your best friend or partner


to me what I have three thing in you is, you always there whenever we need you ya, this is a common thing lah this is a common thing


eh you with there whenever we need you, okay and, and secondly, you are such a wonderful and lovely woman as well as your mother ya that's the common thing lah


no I tell you what the three common thing that we have in ourself right sleeping


okay, yeah yeah exactly correct and and


and the last common thing that we have I think I think you know this uh, hanging hanging in our own crib watching our netflix, , okay what is the one place you love to visit and why you


ya what is the one place you love to visit and why the what,


I don't know I don't have any, now is COVID nineteen how to go, so far what TV


don't tell me you don't want to go fishing, no lah, what, coney island maybe we can go


ya coney island so we can see all the monkey down there, you


it's all about you


okay, what I admire about you is, me, about your best friend is that trip


yeah there what are the three things you admire about your best friend or partner, [orh] now you are, asking me no no no first the first one like you like you mentioned family definitely


of course I love my family the two boys as well, then the the secondly what I admire is that your sacrifices, I know


Mana you're grateful in life [orh] what are the so many so small ah, what are the three thing you most grateful in life, I I am grateful to have a such a wonderful family, I am grateful that I'm still alive and kicking


I'm grateful that, all my family are all weird , okay so the admire question what I admire about my partner is


I don't have three but only have one, so that only one thing is I admire about my wife is, is uh sacrifices, because you willing to because you willing to give up her work just to mend the kids at home


during the COVID nineteen period so I mean I'm thankful that you have, such err wonderful wife lah, what about you


(hmm)


you know my character , you say that I also do like one thing from you not only sacrifices, you are the voice of the house


, okay fine ya next one describe your favourite activity to unwind and relax, some same


netflix chilling, exactly, so what do you love most about yourself, yup


me, I don't know I'm woken early person just go to work come back home at night go to work in the morning come back work at night [orh] I love myself


you love your creativity, I admire your creativity


nothing, I don't know what am I good at


what do you think I love the most, what


is it what do you mean by selfless person, ya, ya ya ya of course I think probably what you say is true about me lah


I don't know I I I can't think of that


the oh yeah ya I think so probably describe a time when you love too hard, ya no there's one day there's one day we love no stop


oh I know I know I know, remember ah you run and, bang into the mirror bang into the the the glass the glass door


what is the proudest moment of your my proudest moment of my life is that, I got to see my wife pass, her first year degree, that is the proudest I am what about you


okay what was the best meal you have ever had, what


, nothing to describe to me all the best, but the best meal don't say the best meal lah because everything to me is the best


my wife cooking, okay next one describe a time, when you got appreciated for your hard work


uh nobody can see my hard work but what they can see in me, it's like what you mention my true leadership, and that's what they see in me right now


(mmhmm)


okay I have, #hong kong# the most, uh memorable travel experiences with you and family is #hong kong#


ya then go wherever we want ya good (mmhmm)


yes exactly, yes yes


you you you, what, my best memorable moment from the younger days ah eh


where I used to play at the slide, from slide down from the mountain with a cardboard, and that was the best memorable day


, no we have remember lavender, oh fish lobster turtle eh sorry crayfish


ya the fun of it


then uh our crayfish was the size of my finger, ya, no no no kind I say can ah can ah, ya the ya the size of my finger and it grow bigger to I think what like my


whole finger ya, then he pass away, what are my dreams and goal that you wish that I wish to achieve before I die I die I die with you ah


nothing ah that my my wish is to, to be with my wife err till my old age ah


, , what do you love about life


the same the same answer that you gave the same exactly the same, describe an experience when your faith and mankind in renew


is renewed, !wow!, okay never mind skip what is your favourite childhood food or snack


appam, [orh] ya ya, ya ya, #tau huay#, the best #tau huay# I ever had is #ah peh chop#, eh wait what is that place ah #jalan bukit merah# if I'm not wrong ya


repeat that a little bit


, okay so what do you like what do you like during this COVID nineteen season , you sure


, understand understand I think you know you know my question you know my answer lah ah, auction


no no no no no no no no no I'm not even spending a lot of money if needed I'll buy if not needed then I don't, uh just more I'm just focus you know my video


I'm not I'm still thinking and wondering what, what are the next video should I post up


sorry since


I recently started working, I employed I went to download an app a money manager app, so that I could really track my finance because it was hard, for me to budget because I did not keep track of how much I spent where what ya I didn't know where my money went


so with the help of that app, I can manage to see how much money I spend on food on like my social life on transport so this has uh, given me like a clearer direction lah, about how I should budget my money ya and


then it influence how much I would save and stuff, how much I really need lah and where I can afford to spend a little more and, adjust accordingly how about you <P2>diana</P2>


it takes a lot of effort lah cause, you take one bus ride also you have to like key in, uh for now you are just


like setting aside money lah like you, whatever money you get you just portion that out and then, that's what you spend is it you


talked about putting it in a different account how many accounts do you have,


I see I see ya, I've also have been like trying to figure out what's the best way in terms of like how many accounts I should have what's the purpose of having this accounts, ya so I just have like I went to open up the


DBS multiplier account to get my salary in there, and then from there I only have like one other account, which is like you said lah lump sum for all my expenditure but I feel like it might be, better to look into other


bank accounts which have like rebates and stuff, and portion that out just for I don't know like if I want to travel once COVID is over , or something something like that lah ya (mmhmm)


did you did you actually have a credit card cause I know you were working for three years right did you actually have a credit card during that time, [orh] you had a few


ya definitely ya so for me I have not


applied for a credit card, cause you know , credit cards are surrounded with stigma lah, ya but I think there are also perks because uh because , I think credit cards a lot of it if you spend this amount then you get like a certain like rebate sum or


discounts, like I know every all the restaurants usually have like oh five, per cent for your citibank credit card or something ya so though I have I am, I don't think I'm going to make a decision soon about this lah but, it I don't I'm not closed off to the idea and would


need more research in terms of like what credit cards would serve, would be most most suitable for me lah ya (mmhmm) I'll


consult you lah since you have a, much more experience uh honestly I haven't I have not considered that cause perhaps I'm not uh


I mean like I'm looking into like, insurance investment that kind of plans, ya but so, far I have not consulted a financial advisor , but, maybe in the future


right now all my financial plans I will, base on whatever I read online like how I should portion my money where should the money go into uh, how to save for the future, ya especially like for, you know marriage and family and stuff ya


how about you do you have a financial, advisor the insurance ya (mmhmm) ya ya honestly


speaking I don't even know where to go to find a financial advisor, I see


maybe if I'm ever in debt then that's when I will get a, financial advisor I mean how else do you increase your income like I heard you did stocks (mmhmm) better returns is it (mmhmm) (mmhmm) (mmhmm) (mmhmm)


I feel I mean like if I have the financial capacity I would like to do both cause it's, different types of returns and different types of risk as well like investments I definitely like I think like those insurance, insurance investment plans are


lower risk as compared to stocks I think depending on the stock lah, depending on the stock ya but, I mean it seems like you have a financial, safety net with with this financial plan of yours lah because


you got money in different places, (mmhmm) ya ya (mmhmm) I'm just cause like ya as you mentioned we are young and so that we can afford


maybe on one hand we can afford to do all these things but on the other also we are the age where we have like, big ticket expenditures, so, ya so I'm also you know this is all new and stuff so like how


how do you even plan for this big ticket expenditures, ya same lah , ya


I mean it's things that we have to consider lah doing, (mmhmm) ya right now I got ya and also I think uh


I mean based on those around me also it's, oh, those who start off, everything being in debt is much harder for them lah, ya so it's always like spending, ya


so like spending within your means lah , (mmhmm)


like house renovation, ya stress ya


honestly if I had like, thought more about financials and the position I'll be in now and stuff maybe as a student I would have taken like savings more seriously, ya I back


then we thought cause now we have no, responsibility so just spend all our money it's like once we work we start working proper then that's fine ya maybe we need like school to teach us about it ya


at least like the basic things about how much you should be spending of your total, income like cause a lot of us did part time jobs right, ya like how, the percentages that should go into spending savings and then rainy day funds


ya ya ya (ppc)


oh well we can only learn , so have you ever, spend like way out of budget, it I see eh not that I can remember ya I think


I mean I was never rich in the first place and then now just cause I will I've started working also I'm quite careful about where I spend my, money lah ya but I do still like, I mean it's still okay to like indulge yourself so that day I spend, a lot of money on dinner


but it's like once a month kind of thing, ya just need to find the balance ya (ppc), so any advice, for people


who are about to start working or about to get a income, (mmhmm) (mmhmm) (mmhmm) (mmhmm) ya


you definitely get like wakes you up makes you see where your money is going, ya ya, I'm good , I see I see ya lah same ya


mine would just be save as much as you can ya (ppo) okay (ppl)


yes okay okay, negative experience, okay what type of person like I think hypocrites and those who


just have a lot of hate, within them, ya I think those are like the worst type of people because, they can never be pleased they can never be trusted ya especially if they are the ones like


especially if they are the ones that are asking


very furious, recently (ppc) recently I think anytime , I think like


, recently in like singapore there have been a like a lot of events that are happening like injustice and stuff so those are the things that have been making me a bit more furious lah, cause


on my own like values and personal beliefs yeah, so there's that and and, I tend not to get so angry


I think one of it is cause like, last year there were things that happen and then it resulted in me like losing a friendship of like over ten years yeah so, I think it was very difficult to, come to, to terms with it especially because like we were very close


and even now I think, even though it was just a friendship it feels like a breakup , yeah so, ya so it's just, but ya lah that one also resulted in like


her being like someone I thought she was but then ended up it was very different and, it was, difficult to, reconcile with her, like my thought of her and who she really was, as compared to


I guess people change over the years and I wasn't ready to, accept that and it resulted in, us going our separate paths ya so like I I mean, ya it still upsets me especially since like we still have to be within the same circles we still meet with one another so each time I see


her then you know, like it's not very pleasant lah, how about you ya it's a long time next (mmhmm) (mmhmm)


it was like he wasn't doing his job lah , uh must have been, but the process must have been very frustrating for you lah


that's good to hear (hmm) since you are talking about food just now


what popular foods just now we talk about food we like right but how about, what food popular foods, do you dislike and why, (mmhmm) I think like what am I what


I am about to say will offend a lot of people because I don't like durian, the king of fruits ya like the smell is not, something I enjoy, ya ya dislike and love it but I mean


since we are known for our durian, that we import ya but that's one thing like, I don't think I can ever try or get on board , (mmhmm) yeah I think it's we have a lot of good food we have a lot of good food (hmm) yes I have I think like because


of the way I look or something then people just, tend to think like I'm not as capable as them, ya so I'm not I mean, I'm not sure why, exactly they have such beliefs


but then it has impacted like I mean in uni and stuff like it has impacted the roles I am given, or like you know sometimes when, people say things and then within in their comments itself it's just like they look down


on me, but they don't actually have any concrete evidence as to why, I'm not as, good as them or I'm not as capable as them, ya (ppc) ya so I think


I think it's quite hard to avoid, such scenarios, but, you know you just have to like keep, just, brush it off and then you have to pick yourself back up and then, just continue you know I learn from your positivity how


how about you have you been looked down upon, (mmhmm) that's I see just because of your age and experience ya (mmhmm) ya I think


it's definitely a challenge in a, when you're young in the workplace, and you have like much, people who are much senior and they are not like the nurturing type, and it makes it very difficult, definitely yeah


that's so stressful for you, (mmhmm)


did you fear like the same would have happened to you, (mmhmm) (mmhmm) (mmhmm) (mmhmm)


it's like expectations versus reality, right it's a game of luck also lah


they were seeking revenge , , speaking of our reality versus expectations


ya ya, I think this year also is, no my workplace has been good ya my workplace has been good the only thing that's, is not meeting my expectations is this entire year


(ppo )ya, ya so like this was a year I was supposed to like graduate, , and graduate and get married and because of COVID like all these things we didn't have a graduation ceremony and like my wedding also has been postponed so it's definitely very difficult to like come to terms with all of this


changes yeah but, I hope it just doesn't get worse, yeah (mmhmm) yeah so


so as in difficult to like accept things but I think I've slowly like getting the process and, accept lah that this is what uh what it is right now ya


(mmhmm), (mmhmm) like your how employment lah it's something that you are worried about


(mmhmm) (mmhmm)


ya we'll just have to wait and see and hang in there for now ya


positive experience, what, very true (mmhmm) your house


is it satisfaction, , we also made the gnocchi which was not, bad once you put the sauce ya


because it's all our hard work, , decent lah decent lah , !wow! I see


I didn't know you loved it that much but okay, interesting I learn something new, well, the most recent thing that I realise make me very happy is, when I have new bed sheets like fresh


, and a full set ya, so I didn't know it could bring me such joy but it's really in the little things , ya ya, cause so I recently bought like myself new bedsheets


and once, I put it on I actually took a photo, of my entire bed just to, remember the moment, ya, cause the bedsheets were pretty , I think I'm growing older , ya actually it's not bad at all and it's quite cheap ya (mmhmm) ya I


ya another thing that makes me happy would be cheap things , (mmhmm), I know I know , , and you always find it you always find it it's so impressive,


, (hmm) how about, so besides are there any other small things, ya


being with you makes me happy, , it's true when the company is great, even when you're doing nothing it's just, taking, you just sitting on the couch


yeah (mmhmm) completely agree ya, actually anything is fun as long as you have the right people, yeah ya oh well


I mean when there's no people then there's always the, TV ah it's so hard to pick just one ya


I mean the ones that I've been watching on repeat are like modern family and brooklyn nine nine as well as friends, yeah ya it's just I mean , great comedy


(mmhmm) ya, ya you never get sick of it, and it's still just equally as funny, ya so whenever


like at the end of my day like I have to watch something , just to, feel better about the entire day , ya it's so simple ya actually kind of ya it's quite hard to find like


the same genre the same like, comedy that you don't ever get sick of, yeah but it's okay, we still have these shows that we never get tired of it so like you know, we're good for the next ya


for the next decade we are good, equally yeah oh well we shall wait and see


I don't have like a favorite movie I think, wait yes your favourite is princess jasmine does she make you happy ya but aladdin is great that's very true I watched I watched the musical as well it was quite captivating lah ya


that's pretty amazing how they like really brought the carpet to life and, everything no (ppc) I haven't watched enough to compare but I would love


to , , now is COVID and all right, speaking of aladdin and flying, carpets, like where would you actually like to, go visit


I thought you went there , (mmhmm) (mmhmm) (mmhmm) I see us


girl you've been all around, the world , so you miss the UK


oh well a place that I miss going ah for now


for now honestly yeah like you said mentioned you know anywhere is great as long as it's not in singapore I will happily go to malaysia as well where I can get my cheap food and so much variety, yeah, like JB is good enough


so I guess I actually miss, going there and having like all my, cheap seafood yeah (mmhmm) because, food is our favorite thing, ya (mmhmm) ya but I guess


now we have to look around at the, people that's around us , and just rely on them for a good time , uh


ya we are too bad lah, I feel like I laugh a lot ya I do my laugh is very distinct right do you okay I feel like


I might take some time to recall do you have, one ah


ah it's so embarrassing, that is, so embarrassing, I I guess so I guess so good lah or else later he


if he gets upset or something that would not have been very funny, I think uh I mean like I can't quite hard to pick what make me laugh very hard but it just, the one that came into mind was when this friend we were like baking together


and then the recipe ask for like, half teaspoon salt but then she didn't read it, so she actually put like one she wanted to put one entire cup of salt, for like a cake,


ya so that, was really hilarious, ya I wasn't, probably but it was very funny she was very confident


I loved it I loved it, ya it took me like a good I don't know, thirty minutes to finally like get it out of my system , , , it's very clear in my head, it's quite hard to forget


she is she is, just you know has her moments ha, now it's just in my head


, you were saying you were saying, (ppc) I think like


okay I mentioned just now lah watching TV is really the easiest thing to do, to unwind cause it's these ya but recently I've like started I've started, buying different things, from like websites like activity


just to try, so one thing I've started doing it like henna, which I thought I think it's like quite therapeutic to do ya, then earlier in this year also I just tried embroidery, but that one requires quite a bit of effort it's so


it is relaxing, even though you suffer lah running definitely is, ya proud of you for running (mmhmm)


and when you're run with your friends, I think it's even better (mmhmm) the company is always important (hmm) what do I love about myself too many things okay lah but I think one of the things that I love about myself would be I think I'm quite easy to please I I like all my


surprises even if you get me like a small thing, I am very happy about it, ya so I think it that helps a lot because you are so easily happy and amused ya


even though others may think that you're weird lah, , how about you what do you love about yourself, just move on ya (mmhmm)


you don't let anything bother you just going to do better,


and just to love yourself , then what's the most like what's, one thing you're like most grateful for, in life (mmhmm) (mmhmm)


think family support is always very important, especially for all these big decisions it gives you like the courage to, , just do it lah and trust yourself, ya


and then they're just like okay, sure thing that's nice, the thing that I'm most grateful for, I think similar to you also everything you know like I have


all my cousins and I have my grandmother my siblings and stuff ya, so I mean like, even though we may not have we may not be like the closest but I know like when things, get rough like they are also there for me, ya so the important


lah important to have that lah ya (mmhmm) (mmhmm) ya so many things ya


finance, okay so <P2>aqilah</P2>


how how do you manage your cash flow, how do you manage your cash flow like your expenditures daily expenditures , do you have a budget for a certain, things


[orh] actually don't, I didn't realise there was actually an app to, , take note of my expenditures cause I don't use that so I guess, that's why I don't really take note of my expenditures I do put aside money to save but either than other than that


I usually, just spend, whatever, which is actually a bad thing feel like I should actually start using the application cause I used as you know I used to work full time for three years and then like this year I went back to school


so, ya budget has been, kind of tight so, I think ya I should have, that, like download an application like that then, ya


exactly and it's not even cheap now we are paying adult fares and my school is not even that near so ya we're paying more for transportation so yeah I guess an app like that would be actually useful for me, ya ah


yes so like I already have a, designated savings, but then my I put aside some of it for school, it's just that I don't have any limit on that amount which is bad because now I see that that amount is actually running out and it's supposed to


technically be, be enough for me for the year but right now, I don't see that happening actually I might be ya it's quite like strain on that, ya so I think


that would be useful actually, ya so actually I have two account, in two different separate bank so one bank is just for savings


and the other bank is for my normal expenditure cause the reason why I put it in another bank is because I don't want to touch it at all, cause I don't even, go into that bank I just know that there's money in there but I do not want to touch it


it is technically served as like an emergency fund as well, in case, of anything at least I have that so, that's also kind of a bad thing also because now a lump sum is also in the normal account that I always use, ya so ya so


everytime when I take out money it's just from that account, ya ya that's true


that's true , ya, actually that's good at least we're thinking about it now, you know so I actually had


okay it's actually bad but I actually had, a few not one, ya because, yeah I had a few but I already cancel it lah ya cause I don't want because right now since I'm not earning I don't want to


like , feel as if I still have the that capacity to actually spend, cause back then like I know I can pay for it, so when I purchase stuff, I usually can afford to pay back but right now cause of schooling and I'm also like paying a portion of like my school fees


so, I find it bad to actually have a credit card, cause I rather just know that, how do I say this like after I, pay for everything, that is left in my account


I don't feel as if like oh at the end of the month I actually have this amount but no I actually owe the bank another lump sum, that's why I cancelled my, credit cards ya cause ya I was working full time right now so it's it's so different when you're full time student


how about yourself because you just started working right now, so, ya did you actually, ya


it's okay you still have time anyway you just started working so rather you like save that money than ya, after you do your research you might get, there might be newer credit cards out there with actually better like cash rebates or, you know right now they have all those cashbacks and


ya stuff so , that was back then but sure of course anytime, okay


what are your thoughts about getting a like, consulting a financial advisor for your finances actually, definitely ya


actually I did advise a financial advisor once but that was because of insurance like I wasn't sure which insurance I should get because, I was working so definitely I had like the means to get at least a health insurance


so it was only during that period of time where I, consulted one because there's so many plans out there so I wasn't sure which one is , most like , suitable one for me and you know like sometimes when you go like at the MRT station there like you know those


insurance agent will just like come, yeah they'll come to you so like that one I wasn't too sure about what they were selling me so like at least when you consult a financial advisor they'll list out all the options for you not only like to one company but there'll be a few


so you get like a broader, prospect ya, but that was the only time I actually consulted one but in terms of my entire finances I'm like you I usually just google to see which is like, the best solution, I guess for me ya but I mean


ya mine was actually referred to, me by a friend ya so, but that was ya that was, back then so ya, I mean it was only a one time thing just for like insurance


coverage ya that's all yup probably , ya then you know like, ya


actually I'm not really that sure, besides like the insurance what, other things they do yeah


[orh] yeah , so it was this year and it was also because of COVID, like the market kind of crash, so it was honestly a good time and I have like a few friends doing stocks so they were like talking to me about it and asking me if I was interested so they guided me along and I do have some because


like, the thing with stocks is if your, if you're planning to leave it for a couple of years, it's a long term thing like for stocks it's a long term thing so at least like ten years, you'll get like better, what what's that word


ya better returns like compared to like bonds if you are looking at short term then it's fine because, , yup it it's fine for bonds if you are looking for short term but the returns are much smaller cause stocks usually like


like, it has been said that stocks usually outperform like other securities like, bonds, that's why I, tried stocks this year, and I think it's doing pretty okay


ya but then again like I said I'm planning to leave it for, a long period of time so, that is like that's also, err passive income for me, in the future if I do need like you said like for family or anything right I can actually take out the money from there


and with this also like you're leaving it inside so you're not like taking it out, so another sort of saving I guess, ya, will you be interested to actually do investments or stocks, higher risk [orh]


stocks ya ya stocks is,


ya I think like for us right because we are still young so we can actually try, to do all of this, cause we have the like time to do it, ya it's not like we're planning to retire like anytime soon so


ya it's actually a great time to like, search like do research on this type of stuff, ya


ya that's also a dilemma of mine, because, ya because what we are looking at for big expenditure is usually like short term, like , like finding a house


I mean I mean like we are of that age you know, like , ya things to consider like getting married, getting a house, so


yeah I'm not really too sure what's the best, way to go about this situation all I know is just you got to just save, whatever you can, , ya right now


ya I wouldn't advise ya sorry


definitely yeah I also wouldn't advise like taking a loan, if anything, like we should try to avoid taking loan, for, ya our big ya for our big expenditure definitely like you said it will be hard to


pay it back some more with the interest, !oof! that's why well, we are in this together, yes yes


that's what I thought too like if I knew about such things like couple years ago, I wouldn't have just, you know use whatever I have on anything, I think I was a big quite a big like I spend quite a lot while I was working which is


yeah, now when I think about it I shouldn't have done, that , exactly, ya


exactly I always think that because right now we are, twenty four years old we still have like, quite a lot of time, to actually figure out all of this, finances but no, and I wish I wish I have started earlier


, ya actually that's kind of good instead of ya they should add actually add this type of classes in don't you think , ya it could be helpful


could be, not everyone knows about finances, exactly ya and that's true


because I think with part time job money all we did was like oh we got that money so we can spend that amount like and we spend it all, yeah yeah (mmhmm) I don't think I ever had


like even though I was using a credit like a few credit card I always know like my spending limits I would never ever spend above an amount that I know I couldn't afford, ya that was something I always told myself


and that's why I, still kept my cards, or else then I won't just like you know, like cancel it all at once, ya have you ya


yeah it's okay to splurge once in a while ya, ya exactly, we we deserve this, ya that's true (hmm)


I think if I could say this to myself, back then, I will actually , like what you actually mentioned earlier use that app because I feel that I would have been able to save more if I had something like that like controlling my funds


ya instead ya, exactly because back then I didn't know what I was spending on I see like my balance still have money I'm like okay I can still afford it


, exactly yup definitely thank you


okay, negative experience, okay


okay so let's start off with, the more easier question, (ppc) what, kind of person do you hate the, most that's true (ppc)


I mean I do hate those type of people also but, I also hate people who are rude, like I think we all encounter this like once in a while, I don't understand why is it so hard for someone to actually say thank you or sorry


it's just, one or two words like why is it so hard for people to actually say that, I actually, sorry you go on exactly and we are like helping them


but there isn't any like signs of, , appreciation, yeah, I think like a recent, incident I encountered was at a bus stop so it was


I was with a friend at a bus stop and this old guy came to to us to ask for bus fare because he didn't have enough so my friend, didn't want to give he told me not to give also but I did out of like goodwill, so after I gave and his I think his bus came so he was kind of rushing also


and I gave him like just enough for his, bus fare, but the least you could do is just say thank you all he did was take my money and then went in, so, I after that I felt a bit, like


ya I mean, I'm, doing something good for you, but you aren't, you know it's just a small thing, but ya exactly


ya I feel like we should enforce that type of culture here cause, this is just one of, out of don't know how how many I feel like, I always say thank you and sorry but other people don't, that's why like it makes me more like, observant towards these type of things


yeah , [orh] was there any event that make you very furious, (mmhmm) or anytime


I understand I I'm like you on this, yeah I mean I, can't really recall anything that made me really furious, I wouldn't call it petty but


it's when, it also brings back to the same answer like rude people, yeah, yeah so, I remembered, I think it was a couple of months ago someone like


push her trolley on top of my leg, and again no sorry or anything yes, so ya I felt, angry at her, for and she knew, there's definitely like a bump and like


you know usually people will like turn back and then like look but she just like walk ahead you know and carry on, so yes, ya I can't really recall any specific like really really angry but I think that was the recent one that I can think of


yeah (mmhmm) (mmhmm) definitely must have yeah


some more is a friendship of ten years, upset uh, upsetting moments , I don't recall


probably okay something I recall is my, school schedule, so my school runs differently than local U because it's a private uni so we did we don't get to choose our


roster for the following term, so I wasn't happy with the schedule that I got and I went, to our, student, advisor but he wasn't that willing to give me a change


so that made me upset but I went to another, advisor and, he managed to change it for me so I was wondering, like how come the first time I asked that advisor like he wasn't able to do anything for me, and but when I go to this other he managed to so what if I didn't go to that advisor would my


roster for next term be, unfavourable for me, yeah, because actually I like the fact that local U you can pick your you can bid for your own like schedule but it isn't like that for private for okay in this case my uni cause


probably like we have lesser students so they don't have the capabilities to actually let you choose, yeah so I think, that was the one that made me really upset actually not only me cause my friends were upset as well cause, yeah it wasn't, for them it wasn't that good either


yeah (mmhmm), technically yes ya but luckily I managed to consult another one so, yeah and, he managed to deliver, yeah so that's good


it was a lot of back and forth email definitely because the thing is, my campus and the, headquarter of my school isn't in the same location so I don't get to see the student advisors unless I go to the other location which it is actually further


I would say quite pretty far from the school itself, so ya it's only like through emails, but it's okay, it's all settled now so my next term roster is looking, good (hmm) (mmhmm) yes (oo) okay


there isn't any particular, food like popular food that I dislike but if I had to think of one I would say #mee soto#, and that's also because I'm not a fan of yellow noodle, and, and I also don't like #mee soto's# gravy


I find it a bit too plain for my liking, yeah, I think besides #mee soto# I can't really think of any other popular dishes because, I do enjoy our local dishes, ya how about yourself


oh right, but that's pretty normal because, like even for singaporean there's like a equal number of people who dislike and


like and, and I love it so , that's true


ya but I don't think there is any any other food which I, dislike ya local dishes ya ya we do actually (mmhmm)


oh have you ever been looked down upon by people in your, life (mmhmm) that's a good attitude to have oh why thank you yup


but ya, ah I do, feel like what you have mentioned, it's also because, of our age like I would say, previously while I was working and also during internship, we the adults


adults don't really see us, of much of like a capable person, and the environment I work in we're always, working with different people, so there are times where I work with people who


undermine, my capability like, they don't trust what I do, and they're always questioning, what I do, like simple things, like okay so


you know I was working, for an airline, so simple things like reporting to them if I have passed this passenger their stuff, they would question me, when, you know it's just a small matter


ya and, when, yeah and when like something goes wrong right the first, the first person they will look for is the most junior crew and sometimes that happens to be me, so there were ya there were times where I felt small


ya like I should have, ya and, exactly so ya I mean


we are all like we're all taught not to have this type of perceptions but, you know, not everyone, ya, not everyone, (mmhmm) that's why it is and


furthermore like like I mentioned I'm always working with different people so every, flight was, different set of personalities, yeah so yeah


it was there were times where I felt sad , to be, on the flight because of how I was, looked at ya and and I guess ya


it didn't okay this incident didn't happen to me but uh there was, one, flight whereby this junior crew, got, ostracised quite badly, not on my flight , my this is a story from my


friend cause of, something small which I can't remember so I would honestly, be sad and you know alone to be in that person's position ya


I did actually, because, when I heard of that story right it was during my probation period so I was still new, and, I didn't know how the industry was like I heard stories


but experience it would be you know a whole different thing, ya, so there was a period of time where I was actually kind of scared like did I get myself in the wrong, like job or something because


I mean I was happy to, to have that job but, ya the experience of it though, exactly ya but I mean


thankfully I didn't have that bad of experience it was only like, , that a that very few occasions where this type of incidents happen, but ya, I would say it's still quite a, good culture yeah cause


it all boils down to the person like who you're working with, cause not everyone's like that, ya some people exactly I feel like some, people right is because they've been treated that, way when they were like you know junior crew that's why they trying to like


push it and like do it on other people when they are older which I see that, exactly I see that, but ya but you know, not is it's it's not always like that it's just a minor minor cases,


ya was there any such incident ya, right, so far your workplace nothing like that right, that's good


I hope for that too, yeah that's true


I'm also kind of scared for that because, like, aviation industry has been affected like quite badly and like one of the most affected ones and, I'm currently like studying like aeronautics so like definitely I feel that my future will be in aviation industry so that's why it kind of scares me


cause I don't see it recovering anytime soon, so yeah yeah yeah definitely