after COVID oh, who am I thankful I'm really thankful appreciate towards uh I think I think post COVID uh post COVID means after COVID uh I think uh


the circuit breaker was a good one because it gives time, us time to slow down it gives us time to to to, it forced us to stay with our family, ya and and


and during those period I think the the locked down period I think we got closer a lot closer to our neighbour, which is uh very good it's been like I've been staying here for how long maybe more than twelve years thirteen years it's really a hi bye


you know but during the the circuit breaker there was exchanges of food , uh suddenly everybody become uh you know share, then in the night we have exchanges every other weekend we have exchanges of alcohol, ya then from from simple beer to wine from wine to whiskey


and ya then I start to realise after COVID right after the lock down, then you realise how much you value your family and friends that you have been taken from, taking for granted because day in day out everyday is so busy


then you don't meet your friends you don't really have time to talk to your neighbours your your your family your kids everyday is like one day after another , but the whole thing sort of like slow down everyone


and uh, people start to be uh more appreciative I hope of their health, and and be be conscious of, uh hygiene lah, something that uh a lot of us has been taking


taking it for granted things like washing hand the basic hygiene , matters but now it it's like it force you and then I see actually people around me, it's like a norm lah people, a a larger percentage of people's target starting to be more hygiene focus lah wash their hands lah et cetera et cetera even the children are the younger ones are


something that ya, correct , previously uh you just you know you keep telling them you must do this way you must do that way you have to wash your hand blah blah, uh and it is just likeah never mind you know but then now they take it more seriously and


not only the younger ones the older ones also which I think is good lah


suddenly everybody become very tech savvy ya, ya don't complain about technology right ya even my mother ah also so uh become uh better now


now know how to do uh whatsapp group video, know how to do wechat, all these are platform which she last time didn't even want to venture but because she was being lock in the house there's nothing else to do ah got to teach her all these things it is easier to to move


move day by move along day by day ah with, and when you can see the person and talk to the person you realise you don't need to get out of your house, correct


uh ya but actually I prefer research done face to face lah on the spot , ya because , you are not subjected to any technical issues you see this one very dangerous any moment anything gets uh stuck in between ah we are like looking at each other but nobody can help you you know I cannot help myself either


so whereas if it's done uh in a room it's easier lah and then this you eliminate this part of the issue ah


ya hopefully I want to share a joke with you ah, some weeks ago ah I had an invitation from an indian indian neighbour, indian no he's the father that came down to pass us this invitation card ah for her his daughter's wedding


so it was in the night when he said he came down and pass me the the wedding invitation I was very excited because first time mah I go for I I uh, he told me he say ah okay so I I never I never invite uh a lot of people


okay then eh he told me he say ah okay so I I never I never invite uh a lot of people, only maybe a few, here and there so I say okay then uh point noted lah that means uh don't go around spreading lah so so


the next day ah I went to the car park the car park was uh pretty dim ah that day, and I saw this man coming towards me and I was like eh !hey! it's the it's the indian father ah so I approached this man ya and I started


oh what what what time do I have to be at the wedding ah I don't I don't I first time I very excited you know then I start rattling rattling away , that guy looked at me ah , totally clueless what I am talking about then I take a closer look ah


oh no he's not that indian man eh he's a malay man it was so embarrassing I I wanted to dig a hole and hide myself something and because I couldn't right I couldn't differentiate between an indian and a malay man you know so that, ya and the malay was like going oh so you are talking about the uh third floor the indian men's son uh daughter getting married I was like


I was like you you know about it I was invited leh he said were you invited I was like , thank god he was, ya otherwise ah it's so embarrassing I was just rattling away you know your daughter you know eh !wah! I never see your daughter before I never go indian indian wedding before I don't know what to expect what to do and what to wear you know then he was like looking at me with the


funny look like this this woman is crazy so I was so embarrassing, ya ya ya no yes correct and and uh we were in a car park so


that the car park was not really but I had I had a very , very bad lah is very bad because the the night when the indian man came and gave me the invitation it was dark as well you see my my my house I never on the light


over already over already ya it was a nice one with the bollywood dancing and everything (hmm)


bollywood dancing they are actually bollywood from the entrance ah all the way to the stage you know, very nice very nice, I have never seen bollywood live it's a whole group of uh


I don't know man some some community centre ah, ya ya ya ya so uh so I was I I I tried to decided to memorise the difference between the two lah


so embarrassing until today I think he look at me also like that with the uh uh uh one kind of look also , !huh!, I mean they have been always been there lah just that you know it's nice to be invited to a different culture


wedding ah something I've never attended before you know malay wedding you you you tend to go more often then an indian one mah , ya and they are quite it's quite interesting lah they they actually has this, ceremony is very long you know it's like uh more than an hour ceremony they actually throw rice


ya that kind of stuff lah I I I I I don't know what they're doing lah you know half the time I don't know what I'm eating nor uh what what they're saying so I was just enjoy the atmosphere it was fun


oh then follow who which one ah, follow, the caucasian will follow her her custom lah, ya


very open, so it was the first time I know ah only the the this one ah


the I don't know what they call it lah this red red thing down here ah only when you married ah, then they will put the the thing here one eh, otherwise, ya got meaning one otherwise when you are single ah I think don't have one eh


so you want you want to have affair very hard lah the moment you have that thing down there right they know you married already you cannot have affair one then , I don't know whether can pick out or not lah the thing you know there's this red red thing here


yeah it it it it means that you are married you know so you don't fool around having affair with the red red thing in your in your forehead , this one I don't know ah this one I don't know how they do lah but I don't know how they do ah


but that's that they have a meaning to all these things one lah, quite interesting (hmm), got green colour meh, oh black black black black, actually I can't remember next time you !huh!


got different meaning one colour is different meaning one, but what is what I I am not very sure lah definitely red ah definitely red dot ah is married lah


oh, eh actually ya ya maybe oh, ya, then they they'll put that thing hor, ya but actually you are right the younger younger younger ones I cannot remember seeing that that thing


all right


part, one financial related topic, okay let's go


okay, uh, ya actually I have a very old plan uh it's by NTUC called the living and then the foundation plan but it's not a very big coverage lah


so I have my own hospitalisation and surgical plan as well because that one is very essential for all singaporean I mean physically everybody lah ya


I don't have an endowment plan I don't think it's an endowment plan I have a retirement plan though, more for those that will pay out annuity uh I mean I pay like for about ten years and then subsequently we will get an annuity


thereafter, it's for retirement lah basically when you stop working then they will give you a monthly payout, ya I don't have a endowment plan per se


but but other policies beside H and S do you have other because that is only on hospitalisation though you have other policies, whole life, ah okay


ah okay that's good


when I was younger I think I bought a whole insurance but the coverage is very little, then now because we started working then of course uh term insurance is the right way to go lah, I think ya I think in the past they were saying like financial advisers tend to


market whole life because they get higher higher commissions because your premium is higher so they get a higher commission ya but )uh)


ya correct, term I mean if you say for example you want to , uh buy a coverage of five hundred thousand then ideally of course you have to buy term because you are going to buy for life it the premium will be very very high which is not yeah so


not ideal in that sense lah because insurance is mainly really for protection, you know ya not so much in terms of savings lah, ya


mm) (mmhmm)


yup, oh is it ya so, I mean ideally is of course to review whether


if you want to surrender as well, whether you will lose out as well lah but, what I understand is as you age right as you age because the insurance part uh in terms of the coverage the charges is higher


so whatever premium that you pay may end up in the uh to cover the insurance part ya


but I think for I think we bought ILP for the kids leh for now lah because they are still young, for now lah for now that's


ya ya ya correct, uh ya correct


ya but I think we will surrender at the probably at a time we will review and then we will like cause premium is quite high also ya premium is high, ya so technically I mean they were asking like uh between insurance and investments


you know personally it should be separated lah I mean if you want to accumulate wealth, then you should go by the investment road on its own, ya then insurance


ya exactly, correct ya which is also why I I think I didn't get the endowment plan lah you know rather than I paying a lock in to the endowment plan I mean because it's also like a force savings


ya then I might as well do uh regular savings into you know a unit trust or something ya


ya cause in terms of liquidity it's, easier lah I mean in times like in let's say touch wood you need the money urgently right you can still, talk and then you know uh take out some money, for insurance it's very difficult lah cause they charge very high interest as well


although you can so called loan from them, GE right ya GE right


which one oh you mean MediShield I see ya ya ya definitely


ya ya if you need if you want, A class it's minimal lah I think in terms of the subsidy so that's why you is, ya so


you need, the ya now it's called the integrated shield lah right the ya you need to get the integrated shield plans, but premium it's getting higher every year


then there is ElderShield


four hundred right four hundred to six hundred per month for six years if I am not wrong if you, ya but you need to have that three of the six daily living activities lah you need to be ya


ya it's not sufficient, you know about CareShield Life right, the government is going to uh have this uh by end


end twenty twenty I think there's uh CareShield life so the difference between ElderShield and CareShield Life is, Careshield Life will pay you for life for life ah ElderShield is only six years mah, ya


it's the same lah eh the same scheme under CPF, ya it's just that uh no not yet going to be launched soon, but roughly they already they already roughly


spoke about it lah then woman will pay higher premium, ya because we have a because we have a longer longevitymah we live longer


because we uh, but honestly I mean I mean you know right with our parents and everything who wants to live for more than six years if we can't uh do the daily living activities


I think one month is ya exactly the quality of life is already not, there


ya, ya exactly


correct correct, I do have a, ya but that was a long time ago I mean but by right I would prefer a financial planner lah who can do a more holistic planning for us


who are non biased you know they don't just sell their products because financial financial adviser, I mean if you are talking about insurance agent uh they will only sell their own products lah Terminology


, correct, ya so uh that's why you must be a trusted adviser with ethics lah ethical ya


so these are some considerations when getting an when approaching an agent right ya


so there's going to be this MediSave Care as well the government is going to implement this MediSave Care as well ya end of the year ya


for ElderShield is it cause MediShield Life is, uh, auto by the hospital will do it directly ah ya


ya oh for ElderShield ya, actually I didn't do the enhanced one lah, I'm supposed to upgrade right, ya I think mine is uh, normal the the the usual one lah ya ya but I didn't go and do anything about it I think


how much more do you know, pay more means premium is higher right, !huh!, four hundred I think if I'm not wrong


six years six, anyway there will be CareShield lah so let's see how it goes


to understand ah there's a lot of uh ya they do a lot of talks lah and and you know the ya but Facebook also they don't look at Facebook right


MediCare ElderShield I'm, ya my parents opted out from ElderShield ah


ya they opted out from Eldershield,


no I think they didn't want to pay the premiums and and to them of course it's, not being able to do those activities to them is like rather die than


rather die than survive with all those (ppl) (ppb) (uh) not able to walk not able to feed and all those things ya


okay, negative experiences


do you have any lag


(mmhmm)


more than, twenty five twenty five years


half time


that's true we'll never understand what the, the sick is going through lah you know ya, I mean even like my even like my mum at this stage also right I mean nobody really understands because we're not her I mean she may look well physically you know even the doctors may see that she is


still well but internally everything is like haywire you know whatever , pain that she goes through whatever emotions, uh outsiders will never understand lah I guess ya


ya correct, , ya


, yup that is , ya so that is our, life cycle and then at this stage of our life ya this is what we all got to go through lor honey you know you see younger people leaving the world suddenly as well you know


go ya


go to the bank or to plan the, uh


that's why the pre plan lor now


plan, !huh! what will I say to my family ah, I will say don't procrastinat eyou know uh


do we go and lead a meaningful life right and live as though there is no tomorrow, I mean of course there's a lot of other I mean I can say that lah say is one thing do is one thing you know I mean of course there's a lot of considerations


you know you may want to chase our dreams chase do whatever that we want but there may be other hindrances that stop us from doing what we want to do, ya


(mmhmm),


ya, but I guess is also depends on how close I mean if let's say we talk about our own family our kids right it depends on how close our kids are to each parent


you know , because they may not be able to confide in both equally or you know they may not even, talk to one as well !huh! ya exactly so


so I guess it probably will hit them with the emptiness like you knowya but you know, ya I always believe that okay I think it only takes one week two week after that things will go back to normal already sorry but


, ya which is uh uh which is good I mean which is what we want


for them as well ya, to be independent, to live life well even if let's say they do not have their loved ones around yeah


(hmm) I'm not really eh sorry I'm the weird one right so , irene ha


I mean you know what we all go through our roller coaster relationship and all those things lah, but still bounce back lor I mean uh, I mean those were very terrible moments but strangely I was still able to work and ya work as normal


so I think that's how I compartmentalise I'm able to compartmentalise lah, although those moments could be tormenting embarrassing and ya you know those harassment also those those moments where I was being harassed and all those lah


(mmhmm)


okay (uh huh),


(mmhmm), , (mmhmm)


uh


ya agree yes, hope


agree agree, ya so ya I always saw the it was also like a requirement I mean at least before you start out they will have prepared you on this ah, because it's true I mean because they would have uh they will be looking forward to meeting you with


you know I mean with with whoever is their caregiver lah they would be having that expectation because I think they will long to speak to somebody, ya then if let's say you the caregiver goes missing (ppc) I think they will also start to get


worried ya and maybe also ya


correct eh sorry ah rachel how come the thing seems to have stopped ah the handphone one, (ppc) no leh it's just stopped it just suddenly went off, ya ya suddenly you just became just that


oh I mean for me lah ya


uh okay, ya so coming back to all this !huh! a dream my of mine oh


I also don't know whether I am lazy or what , no I have a business to build right it's just that not working hard enough to build that little business of mine ya


it's chicken and egg lah I mean if you really want to put in your all then you have to sacrifice certain things ya so is ya so is how ready how ready I am at uh maybe ya soon lah maybe in a couple of months


now is the time to relook at things , now is a downtime mah I mean now is a down time mah ya now is a down time


ya but uh but thank god it's not single income lah so at least not so bad, , but whatever it is it's always better for women to have their own income


somehow !huh!, you will be you will have mah soon mah it's only just a short while lah you'll have soon lah ya, that's why we must have a


, ya


ya, ya


probably depends on industry probably depends on the industry, but mine mine is mine they didn't stop because of budget lah I mean I I don't think it was below below our budget I think it's more in terms of logistic fix issues that they couldn't continue ya


so uh I mean, whatever is lost is lost already lah I mean you know because they can't they can't escalate and put in more business I mean, because the budget is already gone for that particular year for that for that matter what ya


well but life goes on, with our priorities


two positive experiences


so, so mag how have you do you have a, time when you were helped by someone in time of need, ah okay


uh


that's good, , wait ah I must think of uh I think it's work related I was actually helped by someone uh that I don't know lah because


uh that time we had uh for the work I was helping one of my colleagues because uh, uh she wasn't feeling well lah she was on maternity and all those so she couldn't come to work so I had to help her in her board project then,


there was this group of foreign delegates that were supposed to attend some training session, and there was a mess up you know because uh no one was supposed the person that was supposed to host them for that day which is like the next day


uh there was a miscommunication they said they didn't know about it so they will not turn up like, tomorrow that kind of a thing so I panic I only had like uh I only had about four, four hours before or knocking off lah you know the official working hours to see what we can do in order to host this foreign delegates you know


so I had to scramble took a risk contacted some stat boards uh because it's more on, productivity and innovation right so I had to think of which state boards had transformed along the way called them and seek their help whether they could get anyone uh


to host them for that day so they have like a mini tour for the day lah, ya so I was very thankful you know usually state boards have a lot of red tape but they managed to help me and


uh very kindly the two organisations very kindly accepted then hosted them for the next day so I was like phew otherwise I don't know what to do with them


!huh! ya but I don't know them so it was just like a really a cold call lah when I tried to call them to see who I can speak, to ya in that state of situation , so ya that answers that part about risk and success right one of it


success so ya at least for these foreign delegates they get to, see how singapore organisation you know had actually uh transformed in terms of the innovation how they have progressed


ya sort of hopefully they can bring it back to their country as a, to to share with their people lah those are ministry officials ah


best meal I've ever had wait ah I would say, every day is a best meal you know if as long as you can eat ya , as long as we are we are healthy


we can eat well I think and able to eat with family and friends I think those are best meals every day, to me lah


but as we age we cannot eat so much also right in terms of the thing, ya ya that's


your steamboat one it's that it's that the one that we went the last time


I think going to japan and eating all their food is also very nice


taiwan, eh we ate a lot of restaurant food we only ate one street food oh eh no no no no no street market one the market no that time remember we had one street one


eh I I don't know leh there's I always remember them bringing us to restaurants to eat , ah the night markets


liver liver your number three, your number three ate the liver remember oh it was blood was it liver or blood


was it the pig's blood pig's blood right, ya ya ya I think was the pig's blood okay , if , uh you can't get it in singapore you know must thanks to mister D that introduce the pig's blood


, what okay let's say what will you be thankful of or appreciative towards


after COVID, eh who are you why is that in a post of the COVID world, who or what


, nice nice nice


uh they got that washing hand technique right the correct technique of washing right ya


actually for my side I'm thankful that actually the technological advances you know with all this uh, ya actually without like uh


I mean of course Zoom and have always been around but it's just that people may not have used it so often, ya then with this COVID and all those everyone work from home stay home , it's good that we have these platforms as a form of communication ya and people have to think out of the box to see how they can work differently so ya so


ya so for once very thankful for technology right ,


ya so I mean even like now we are able to do research through you know these means I mean it's so much more effective in a way right ya


uh that you prefer that is it, oh


ya so pros and cons ya but of cons the downside is, uh for some of many businesses suffer lah so hopefully business will pick up soon


okay, (uh huh)


oh okay


oh so was he, ah okay okay


oh but that malay oh but the malay is quite (uh )more towards a darker the towards


oh so did but the wedding over already eh ya uh over already right


ah okay, ah nice, oh it's at the


oh okay oh so you saw your neighbour there as well lah the other guy the malay one the malay neighbour


okay lah now you got to know another new neighbour


, oh okay


actually very nice eh recently the at my place here at the temple I saw the indian uh, it's a indian lady married a caucasian so uh I ya


I I I don't know lah I mean when I saw them that time he was wearing the indian customary clothings ah, so very nice ah his family also lah I think is the the the the groom's side the parents was also wearing


uh caucasians ah ya ya they were all wearing all the culture lor all the indian one ya so very nice eh like cross cultural, ah


(uh huh), oh is it I didn't know also


oh it has different meanings, !huh!, ya ya ya ya


then like wedding ring cannot take out meh like wedding ring also can take out ah


no then beside no but so far only see red leh got other colours, are the green ah, uh but what does it symbolise


different meaning ah you were saying I I have no idea leh, oh, okay


interesting, didn't okay know about that lah I mean ya, now because you see a lot of modern ones ah modern ones don't really put on the those without those without the sari one ah right they don't put they don't


right they don't what only when they wear sari then you realise they they put on is it I think so you know don't know don't know


(mm), ya okay


okay so okay I think we touch on the first question do you have a saving account if so share your experience and details as in the names and the features of the accounts and if not why do you choose not to put your money inside the bank


so jennifer you want to start


poor thing, okay then uh I will start with, quite a few banks lah with the under the saving types


so basically POSB just like what jennifer mentioned the nation's I guess almost all I mean practically all citizens were habit lah so that is the start of bank account that we have then gradually OCBC OB so depending on what sort of


one features that the economy shared because ah last time traditional saving accounts is a bit different from nowadays lah so accounts like OCBC they have like the three sixty account Stanchart they have like a bonus account all these accounts have


different types of uh features like the air indoors on the face or maybe you call that as a prevailing board rates which is less than one per cent but if you have actually credit your salary into the account, and uh if you spend like maybe more than five hundred dollars per month or hit your you know certain uh some limits on the increment if you save it every month there will be additional top up percentage and it could like probably add up to three point eight eight percent or three point five depending on which band


that you actually sought for lah so uh ya currently actually on three sixty account but , but that depends ah because freelancer so, they have a minimum of two thousand so I I don't get the opportunity to earn that that higher rate because if you credit your salary it will be the the it was ten bucks part of the interest rate lah


so ya then uh that is the main features of the account which is more attractive sometimes than the fixed deposit okay so, think we're doing so far so far okay before we go onto okay so for the second question do you have a credit or debit card if


so share your experience and details the same thing names and features of your credit card or debit card if not why do you choose not to have a credit or debit card


okay ah for me ah I do have both credit and debit cards then ah in terms of different uh benefits under the credit and the debit cards like for say debit cards nowadays for example like you'll be they do have those


I think it's called lady smart card I can't I can't recall lah but anyway it's like a minimum placement of a thousand dollars but you get to tap to some of the privileges like, access for the female check-ups those kind of things lah, so that is about the debit card lah so probably you just park a minimum and then you get some privileges free that those are those are free services lah but they actually give you a list of the designated uh medical medical clinics that you can visit lah


so that's about debit card ah like what jennifer mentioned because we we seldom really and debit card is really zoom into your CPF accounts because of fraudulent and everything I I prefer something that is more indirect like like credit cards and all these so at least you can put a stop immediately you you you you suspect any fraudulent activity


so the credit card itself , especially right now as a homemaker so purchasing of groceries are very uh important so uh we do a lot of savings ah under this ah NTUC OCBC credit card


cause save a lot lah then of course they also give us like but we have to pay for a membership fee because it's linked uh NTUC membership fees lah so but the ultimately end of the year they will give you all the rebates and then all the uh benefits under the NTUC union members and so forth


so uh ya even during the COVID, even during the COVID period we are actually able to explore more as in like the the the grant and see whether you fulfil the criteria under the membership ya those those are that then uh


oh okay, then uh the third question some may argue that bank's interest rates are unattractive whereas others may feel that their money is safe and accessible in banks in the light of this would you save your money in a bank or invest it somewhere else


okay oh (ppc) okay for, in this topic actually say that it's pretty safe, [orh] as in like because the


cause I think nowadays they have increased to don't know seventy thousand and fifty thousand so depending uh, if you go for risk or the the risk or the returns so currently of course bank's interest rate be it the saving accounts or its deposit these are all very unattractive nowadays and even the the the bonds ah


so ah I will say that if FD or those normal saving accounts is pretty safe lah but of course within the insurance uh, covered I think it's SSDI or something ya so in this light


I would actually park some in the bank and also probably think of investing somewhere else like, for example cases like our stock markets nowadays they are actually you know, lock down during the COVID period so not not too much just just park a bit lah probably just earn dividends lah as an alternative to the bank interest rate uh to uh alternative to the bank


so ya and then uh singapore saving bonds is also uh another option which is safer uh and compared to fixed deposit is much more flexible in terms of the redemption, and you can get hold of your cash maybe a month later and there's no penalty and the minimum actually for the singapore saving bonds is like five hundred dollars but you can park I think


even until two hundred thousand depending on your individual's portfolio lah but that that nowadays is also very low the the interest rates are very low so it's really very individual lah depending on whether we go for risk or returns or maybe we would like a balance of it


ya , okay then uh move on to question four what is your experience of getting a loan like home car student etcetera from the bank if so share the details of your bank loan


okay then okay


then ah as my own experience uh basically so far I think I got the housing loan from HDB lah so uh at the concessionary rate so from the bank I think is going to be it depends on the


the duration the economic duration so currently actually ah not on any probably touch wood , but as a matter of fact ah actually that time ah when the market is really very ah attractive as in like many citizens are trying to or maybe foreigners are trying to invest to get a condos and all these I did actually have some short experience ah


to try to to to get a loan from the bank and that was ah from UOB so before all the stringent measures in place , uh is I would say that that time was pretty quite straightforward from the bank requirements to get the loan lah it's like they will assess your uh account portfolio they will assess your income uh


uh ya income ability and so forth lah so uh those are the criteria lah but after that they actually put up some measure so especially like the stamp duty imposition of the stamp duties and so forth so, ya is getting more some challenges lah but still


housing is still I mean to get a condo or I mean apartments are pretty still a very attractive option for people to invest their money so that it could be another investment, if you are talking about low interest rate right now but that is a very long term uh investment lah because rates is very volatile and uh they they keep changing uh especially during like this kind of


turbulent financial times lah is really quite scary lah so some of uh maybe friends who actually got the condos they actually have to give up their condos lah and they re-sign like a, those kind of Lelong price lah okay so the sharing of the ya so those are those are that lah


okay then we skip ah okay we we move on to question five do you think the couples should combine their finances and opened a joint account if you have a joint account with your partner share your experience and details of your joint account


and yup,


okay then for my side uh initially depending on stages of life lah so during when I was younger maybe before forties I think that like my ah like jennifer's thought lah it's the same lah it's like you will be good to manage your own finance and


and the kind of thing so is like also related to how trustworthy you know and all these kind of things , and then the trust lah but gradually when when I move on to the next stage whereby health is of concern and this kind of things and


and and the the experience that we gathered from the in laws you know or the relative around us we we noted that sometimes we we need to ensure that in emergency times it will be good to have joint account so that the other party can acting very


quickly and in time lah because ah we understand that if we really actually have a individual account if anything happen and we are too late to submit the then there will be a lot of paper works to be submitted eventually and I have been truth with my in law where


my father in law actually ya so we we luckily it was a joint so we did it pretty fast but there was another account which we were late and fortunately was like very you know , not not so leceh lah so , we we have to get marriage cert lah you know all these kind of papers come into place and they can actually hold your account until you finally submitted the hard copy eventually they initially they wanted original but then they you know make some exemption because you know when you come to seventies ah


how would you be able to you know locate your original documents is a bit of , problematic lah so it depends on I mean the the the trust kind of thing but nevertheless ah I would I will still prefer to keep one personal as in case lah so but it it depends on your balancing lah whether you want to so ya I think overall I


think it's good if in the event of emergency is good that the other partner can have the quick access to into your account ya, okay


then uh question six at what age should a child be given an ATM card to manage your own bank account if your child has a bank account share experience and details of your jam uh child's bank account


okay then uh for my end is pretty straightforward because I don't have any children, but I'm actually willing to share some pointers I'm not sure whether it's valid or not but I'll I'll prefer actually a child to start having a bank account at age five years old but that is only basically on the savings like credit into your bank or into her her or his bank account


to to learn the habit on the saving habits, as in like how to you know save start saving so especially when coming to chinese new year or whatever whatever the red packets they should actually start savings, and when coming to the age of maybe eleven probably I I guess kids nowadays are super


super smart lah so they actually get mature very fast at a early age so if I were to choose to get them uh ATM card will be like maybe eleven years old that's where they have to start to try to, finance on their own like some spending or maybe the textbook or even sometimes a toys that they they want so at least they can see through the five years of uh crediting into the bank how they going to take charge on the spending


uh and it should be starting from a gradual just some have to take note on the spend uh expenditure items because uh it's not supposed to be used uh anyhow so it should be used within the uh very good proper manner, so this is this is how I feel


okay then question seven cashback, points or miles which type of credit cards do you think people should be using


that


ya (mm)


okay uh negative experience describe a time when you felt trap or help, plus so okay okay


I think the moment when I got to know my mum's health condition few years back I I was a bit trapped and helpless because is totally clueless lah ah I I don't know how to seek help because of this uh critical illness kind of thing


so ah I'm very blank ya that was the time,


no is the negative moment lah we speak everything about negative , , , okay okay sorry avoid humour okay what are some of the hurtful words someone said to you that you wish to forget, jen are there any hurtful words


I think that's one


ignorance comments lah they assume ya,


inspire , and you have make it ya I guess from your visual on script okay


then ah oh on my part is it I think okay stupid la I mean then ah that time when actually were I was in primary school so my teacher actually scolded me pull me out from the classroom and she scolded me, you're so stupid you know you cannot even pass you know that that word stupid it you know sort of like uh


imprint to my mindset already so I I I kept asking myself am I really that stupid ya so just like jen lah so something negative turns to positive so eventually things workout out differently so I I I did something different that actually shout my teachers also so that is something that I won't forget but I don't take it


uh negatively to heart I take it as a very positive thing lah so it's just similar like jen okay, then describe the saddest scene you ever witnessed


yes uh ya I share the same scene as jan uh so that was the departure of my dog lah so eventually ya I can see that, she's not willing but she actually still has to go she know she has to go so the the very moment is that I saw her tears coming out


but she hold it she make sure that she, her tears don't you know just some drip off so I I see her her watery eyes lah she just hold it for us so that was the very saddest thing we I for myself ah I ever with


that's okay, then describe a time where you feel that nothing you do is enough, okay uh the time jen would you like to share first


see


ya that is very positive we we always especially you, always turn the negative to the positive okay so, then uh at my end actually it's more towards like from young to to even now or maybe I would say is a different approach just like what jan mentioned lah is uh the approach that you or the mindset you you change but you still do it


nevertheless to try to improve so last time I used to hope that everyone around me will feel very happy and contented, so I will always try to do to offer my help to help people to to at emotionally I will be very uh sensitive or pay attention as to what not to say and then you know so I tried my very best and sometimes certain things can come out


very hurtful but we've not without the intention but that was the time when I actually start to realise that sometimes it's different people at different stages learning different things so we we couldn't enforce certain things on some people sometimes your mindset could have been there or even not there or


different people have different life experience so it's about we can sympathise but we we can't empathise we sympathise as in we can feel feel it for her or or him but we can't empathise as in like because we are not the one in that situation


whereby you face the the different kind of pressures challenges and you have to work it so we have different timetables different roles in our life so , sometimes sharing is good lah but uh if you really really want someone to put into action then it probably you you know so


try not to put yourself into too pressure mode so you tell yourself everybody have different expectations so don't try to enforce certain things maybe there will be a time when he or she will start to appreciate a point or maybe there will be a time that you yourself will start to know that


maybe the pointer that you share earlier on may not be valid and you know so ultimately I start to relax and say okay , everything that I try to do try to spend the effort uh it it though it doesn't work but, I mean I just be contented that they are around with me lah so just like what jan mentioned the presence of the people


are still around with us so try to make at east lah so certain things if can don't think lah I will say don't see so ya that's all, okay describe a time where you feel that nobody cares about you and when you have done for many but when the lonely moment comes no one is there to talk


jen uh ah , actually we can skip this right anything to say , ,


ya so don't I think we can skip it lah I think is not valid for both, we always have ya moments to talk with a lot of either family members or friends ah so okay we we jump onto the what do you often worry about


then uh from my end actually more towards health even though money is also of a concern especially the inflation the tough times and nowadays lah , but eventually I think I'm trying to streamline on the spendings and also trying to keep myself fit because ultimately at the later stage it's about the health because when we start to go into this kind forties and even my parents like on the seventies the health on the medical care and all this kind of thing so


apart from getting insurance then the outpatient cost and all these is something that is a bit worrisome lah so , uh having said that that's why uh the bottom lines to try to keep ourselves fit lor so and not only to cut down on the medical expenses trying to cut down lah try our best better but at the same time is also to tell ourselves that


we have to do things before you know we are hit on any kind of critical illness whereby we will no longer have the ability to , to to have the strength and uh you know everything to do what we want to do so that is something that uh I have been worrying about lah because last time very young never everything take for granted health take for granted everything take for granted so it's a lot to the most and then


until when you start to age then start to see the highlights of the life okay so the quality of life is also very important so that is where we I start to make change in lifestyle, and I start to appreciate people around me and then trying to make sure that I'm healthy enough lah because nowadays things you won't know anytime anybody on the news that !wah! cancer here cancer there we won't know what's next lah serious


okay okay, so what's the saddest moment of your life


I think the saddest moment will be the same back to the earlier questions or about my mum's health condition ya so very sad lah everything just quit my job talk of resting but who knows this come as a a sudden attack to me so it's pretty sad


oh I think for myself will be tea addiction lah something very negative uh as in like to my health and then uh I I


no not the <mandarin>泡泡茶:pao pao cha</mandarin> lah is more towards the <mandarin>奶:nai</mandariin> the normal Toast Box <mandarin>奶茶:nai cha</mandarin> and all these lah the the milk and all because you know nowadays the breast cancer and all these comes out with those !wah! cannot drink too much avoid too much dairy products and all this kind of things lah so it's a bit scary lah so I've been drinking a lot of


tea and is is quite thick tea lah so I'm trying my best to change this, but until now I'm still trying so over to you jen


I will say no need to every time like control the facial expression sometimes letting out right ah of course depends on the other party lah I think families members will be more tolerant as in you know accepting you all so


if in terms of ya, this is a relief of your pressure stress at that moment so sometimes uh rather to see your real self you know if you put on mask sometimes it may be a bit you know tiring lah then it could inevitably cause some depression


, oh sorry avoid humour ya okay, correct it's more towards the non family members but if you can try cause the ya so not too bad I I mean you you are quite there already so


we we we move on to the next one err have you gone through any loss in your life if you have please describe your emotions at that point of time and how do you deal with the loss, [orh] okay so for my end is loss of the pet my pet dog who has been a very closed companion so


that time when I lose her ah I was really there's a lot of ups and downs lah ups is like I mean as in like she's really to the neck I mean the her health is already to the extreme already doctor was tell the vet was telling me that there's no way that you can save her anymore so you have to put her to sleep


so I think that by giving her letting her go is is a good decision so there was a lot of signals that come through me also that she's willing to go so it was very blessed that I'm I'm very blessed to receive these signals at that moment so the emotion was down the other side negative is that


I see she has been trying all her best to to uh to keep that kind of uh, they have their own spiritual and ah we won't I won't sensitive that many years uh working so much spending a lot of times on my job and all this and neglected


her emotions and all this so it was a big conflicting when I get to see even a pet is can do that kind of you know, controlling thing so so it becomes like !wah! it's close to a human being already so I I learn a lot from her and and and that was ya part of it and how I deal with the loss is uh I overcome with the mindset and I'm also still very blessed that I'm still receiving signals


because after my dog I I guess a lot of things starting to get more , transparent I start to see things more clearly then she sent like signals to me like, you know the chinese version of moth lah that kind of things and then there were some telepathy that was the first time when I actually start to know that animals I mean especially you know they do send telepathy just that the human beings are just very insensitive


so we are starting to understand the nature of the the the the the true world you will start to feel it and then I can see that she ah and I believe that she has crossed the rainbow to another happy world so she still right now ah my guardian angel yes


so this is how I deal my loss ya


okay maybe I ya I stop I think maybe uh jobless, lah or maybe I would say actually currently a freelancer but very minimum projects on hand so, ah I think because of the COVID times and all these everything seems to be a bit pessimistic even partners and all these our income are being affected but of course because


the COVID vaccine is still not been discovered so that it could be a chances of you know still negative things popping up so of course ah in that that is on the income source but gradually I think something, from the bright side I can see is that like I just mention we we have to turn a bit like a virtual kind of learnings and then virtual kind of uh uh job takings like I'm doing some on uh


online kind of assignments lah so and also of course look into cutting down of expenses because the expenses, from before COVID after COVID is really ah a difference lah but during that time CB period ah I I look through my credit cards and everything so it it really does help a lot lah so it's something that


turn out to be better than what I expected lah so eventually I start to know how to even streamline my spending as in like spend more on the needs than the wants lah so ya that that's on my part


okay friends [ho] sometimes ah I realise they seems to be


from someone who's very like a magnet I I'm not sure about jennifer but, my friends were telling me that I'm a very positive person who give nice advice but of course there was some changes during the life at stages lah so this was the recent uh remarks from my friends so that's where uh that's when ya


friend is telling me that I'm a positive person and that's very good and I I'm glad to share things that make them happier and better person ya, over to you jennifer


successful ah


uh


okay, okay I've been to few countries and then I would say


sceneries everything is pretty quite common lah during your sight seeing I mean overseas travelling but except for those uh very less developed countries like thailand it was really one of the countries that it really was her memorable as in like


when you walk along the streets then that time when I was walking along that street with my partner , the whole stretch of the streets actually were with those beggars asking for monies and is very very short intervals then that you will get to see beggars and beggars and all this so they they are really in their very


shaggy outlook and you actually really sympathise but of course at the same time overseas you you you you , you you you tend to actually wanted to donate but you you you have to hold it back because sometimes you you never know you you see the danger of you know


so so that kind of uh whole stretch of streets that you see all the beggars that that time was very long time ago lah but it really is is an eye open lah for me ya it's different because you don't get to see this kind of thing in singapore, [orh] [orh] okay over to you jennifer


(ppc)


uh, for me I don't think so no impression of any orders or unique compliment, , then you can move on to the next one what are you thankful for, okay for me is like everything and every uh one around me so I appreciate for uh whatever that is given to me or even that is not given to me so I'm thankful every moment and


ah everything and everyone so ya over to you


okay


so okay , what do you use to hate as a kid but now you love as an adult , , , okay I can I I move on first lah okay so uh I think that as a kid we hate exams lah we like to play but we don't like to study so exam time it caused a lot of anxiety so every time when you last minute and every time last minute uh you you have that kind of anxiety so that is something that I hate as a kid


so scolding wise okay lah but I'm not I think Kena so much scolding from parents and so far so you know, then but I love exam as of now I I mean as an adult as in like because I think exam actually inspire learning lah because sometimes you need to know where you actually you don't know so it's a recognition of what you have learnt


from your results but sometimes result may not necessary speaks the truth of individuals talent or character so but I still take it as exam as a very positive thing as to get just as to which standard we are at, for our stages of learning ya so over to you


, !huh!


okay so next up birthday present and why, okay for mine would be Pandora because, uh that time when all the craze about these things so ah I happen to have a look that that was when I started to do my collections I find that the charms are very meaningful so during like anniversaries or any birthday or whatever celebrations or even


the the the bye bye parties like if you leave the company and all these so my my my colleagues were were that thoughtful that they actually send me something that actually mean to that part of uh my career path with them so I think that pandora charms is very ah attractive and meaningful lah


so ya okay jen jen


, , thanks ya thanks for the blessing , , ya ya, ya


this is a good one your your your present is your family members present, presence, , their presence is your present okay okay


okay there was one time I I was like I'm working day uh day and night and I happen to uh need to go for a meeting so I actually rushed my lunch and I got choked imagine not fishball but the #mee tai mak lah so


I was almost breathless and I was in the food court and I was like for uh I think a second or or so I couldn't breathe and I find that my I realised my airway was being blocked so I I I sort of a bit panic but it it comes after like chanting lah so


so uh I I I was quickly uh alright later so I that that leave a very deep impression and that time onwards I start to chew or eating slower, and uh that is what they mention so that <mandarin>一口气不来人就完蛋了:yi kou qi bu lai ren jiu wan dan le</mandarin> is very important to me so every time every breath every moment


I will try to live to the fullest so even sometimes when coming to a negative things I will try to tell myself things will get over with it and I'm still lucky to be surviving in this world trying to pick up new things learn new things so every time we have to cherish the moment because we won't know when is


the death time so it becomes very cherishable so I I find that after that turnaround, everything seems to be brighter for me and, uh my life has changed after that I think ya,


ya what is the comfort food that you can always rely on to cheer you up mine will be straightforward ice cream or cakes ya


same food more food , , varied varieties of food , , (mmhmm)


what do you love most about yourself the thing ah I love myself being as a caring helpful and accommodating person ya and then recently I get to love myself as been a positive person also


is good enough already okay who in your life do you look up to most and why


then for for my case my parents lah because they are the one who give me life so without them I don't think I even have an opportunity to be standing here in this earth and talking you know and learning and all this kind of things


so I learn through my life experience from here as a human being, instead of other sentient being like, that animals or whatever but because of the religion that we we believe in so during the different life faces I gradually change myself so I'm glad that my parents gave me this opportunity to come to this world to pick up


the new things and also to correct whatever I have made you know in errors be it this life or past few lives for whatever ya that that is why I look up to them, okay


okay okay I will start I will start okay okay, okay okay <mandarin>来:lai</mandarin> uh conversation


uh okay I have saving account uh with uh POSB, so this account I have for like since primary school many years back already so uh experience with this bank is quite okay ah because uh after all is uh with


consider it as a national bank then , , interest not much then service wise I think is okay, ya ah that's about it ya


okay I start first ah uh I have one credit card


uh with uh this uh POSB is called the everyday everyday uh credit card then usually we use this for, like uh grocery and those uh I think this uh shopping purposes lah then uh


uh, experience wise with this bank is is quite okay because after all it's a DBS bank then , features wise because DBS bank the, the benefit I think that the dining because for myself I like to dine a lot outside so the dining uh privileges is quite alright and uh more choices with this bank


and for debit card wise uh I I don't own one because I don't see a need for debit card is like function the same as uh ATM card so that's about it for me


ya I think every month deduct nine dollar


uh, uh, okay for me yes uh ah I will just save it in the bank because I don't have that much money so I can't park my money for those uh what you call that the fixed deposit


then uh interest rates wise not uh not so attractive so, so uh, uh this uh money I just I just keep it in the bank, ya


oh okay uh for me uh I took out this uh renovation loan from uh HSBC, bank and uh ya for the amount I think I think if I'm not wrong was uh thirty K ya


and then uh, over the five years and, and uh, the experience wise err is okay because uh as usual you have to submit those documents the proof that uh you you are really uh doing a renovation and the permit from


uh, HDB things like that then uh interest rate wise was quite acceptable at that point of time and, and uh, repaying the loan was uh okay lah can make do with with it so


we were able to, repay the loan within that five years ya that's that's one uh that's the only loan that I I took out from the bank, okay


uh okay uh for me I think uh we shouldn't combine our (ppc)


finances so for my side I I don't open a joint account ya I think the finance for couple should be independent individual, ya so


(ppc),


okay (ppc)


okay I think, err, err first part at what age should a child be given this uh ATM card I think


err should be eighteen years old ya for me I think that it should be eighteen years old because because nowadays, the the kids the youngsters like in the secondary school the what the their spending habit can be of control at that point of time so


I think if they reach the age of eighteen at least is safer and and also a child tend to uh, lose things very easily so to have a replacement of an ATM card is is I think I think you you have to pay a replacement fee or some


thing like that and you have to go through the the the bank for this so I think it's troublesome I think eighteen years old should be quite alright, then, ah for the, second part if your child has a bank account uh for me I think in singapore all the kids have the what you call that the


ECDA account or something like that the the for the what you call that ah for the, the, the use of uh paying the school fees and all that then this bank I think if I'm not wrong is with OCBC


so uh the nature of this bank account is ya basically for me is to use to pay uh, uh, uh school fees and also the, uh visiting the


doctors ya that's about it


, okay I think for me uh cash, back will be more uh favourable because uh this cashback we you can immediately use it you see to offset some of your bills so I think this should be more favourable


rather than the points or or miles, because uh usually the points uh, uh they need to accumulate quite a number of points probably usually in thousands then uh in exchange for probably a five dollar


NTUC voucher things like that ya so that's a bit difficult to chalk up the points and miles I think is even more to, (hmm) ha apple net oh


the part one finance report stop button


uh okay you you you go first cause I need to think I need to find one


oh okay for me, uh I I I think that would be the time where uh I got, retrenched ya because that was uh


quite sudden I wasn't really prepared for it you see so and then uh that was at at the age of like mid thirties, so you know at at that age you have a bit of a difficulties you will have difficulties in in getting a job so uh


I felt the, helpless and trapped but luckily, I think the, there are some courses the government encourage us to just go and upgrade so call upgrade yourself so I just attend some classes and


and uh, I think, ah ya so that's about it lah,


, , !huh!, (oo) , well because uh I'm quite cheerful person so hurtful wise oh oh, okay okay ya uh ah no no I I I ya and I can remember


some of the hurtful words but (ppc) they they just from the strangers because at that time ah I was very much overweight and then if ah if I when I I brought my kids


my son out with me then sometime you will have those uh, aunties ya ya they will just ah come up to me and then they will they'll they will say that uh eh uh is that your grandson then I was like uh


no uh he is my son and then they will give me the look like !whoa! so , ya for me those are quite hurtful lah that's why I I think it also why is it uh motivate me to ya motivate me to decided to try to lose some weight lah


ya , ya so ya ya


ya okay uh, uh, uh, okay for me ah I think that will be, the pass away of uh, my dog


ya and we had this family dog and then ah, due to illness and old age, uh sad to say we have, to, put it uh, to sleep lah put her to sleep then


uh


okay


I think oh okay a time when you think nothing you do is good enough okay, I think uh sorry ah because being a mum of of of a five years old so, uh I feel


what, you know I have tried my best to take care, of my son but you will have people around me like, the pointing fingers and like ask saying that uh no I I don't think you'd done enough for your son I don't think you care enough I think you should do this I think you should you should do that so then there will be some


moment, like uh after hearing all these I was like, I feel like, uh I have tried my best you know and sometimes it comes to a point that even uh, I even asked myself you know that maybe I'm not a I'm not fit to be a mom I'm just not good enough you know


so ya so, but then being cheerful side of me with this come out and then keep telling me that no no I shouldn't care too much what people say I have done my best is is is really it is really ya uh


or probably I maybe I should uh take the advice of others and maybe I should try the, alternative way to, you know and then look into it and then probably to change some of my method, ya (uh huh) that's about it lah ya


(ppc)


oh


uh, uh ah no for me for me I now ya I ya because I I don't feel I don't feel that way most ya I don't feel that way because ya because ya [loh] we are


but quite ya for me I'm I'm I'm quite individual and then ya ya , correct so ya, okay I I go first lah so for me uh


I think is the same old thing lah of uh is money, because uh for me uh throughout my this uh, past twenty over years uh, my job has been uh not that the crisis hit just you know not that the my career ya so to speak is not being a very smooth has not been made very smooth so I experience uh retrenchment before and I experience


it's uh this uh company uh what you call this uh close down, wind down the business and all that so and then I, I think throughout so many years of working I was only able to get my bonus


twice ya and then, then uh, uh, so it is oh usually is is about money most of the time then now with the kid and then for my age can consider you know pretty old to have a kid and then


uh I just worried that uh, uh before he he is able to be independent uh I I was I wasn't uh oh I won't be able to support him financially you see that's the that's the part that I worried about


ya (ppc) the balancing of time, (ppc) okay


eh for me ah nothing nothing on this part,


okay is there one thing you wish to you wish you could change but will never be able to, uh angela


oh as for me uh, uh uh, I wish I you know I I, put the how to say I should like probably be able to uh


not not, not not not to show my this uh how should I say my facial, expression too much like keep my cool, and all that because sometime uh I get so, uh, uh emotion ya quite emotional uh when it comes to thing and


then the, people can tell from my facial expression but sometime the facial expression is not uh being well, uh how should I say the express you see so people could uh probably uh


misunderstand my facial expression to to other another meaning and take it wrongly you see so I tried, to I I wish I could like uh ya slowdown my pace and


then, change my temper uh not not to be so quick tempered,


, no you you you know because no because you know why like in ya no because in this uh


office office, environment working environment sometime you know like uh, uh ya correct, ya


ya ya I just heard okay have you gone


okay okay so for me uh, it will be the loss of my grandmother, and, because I used to uh


sleep with her every night and, I was very close to her and, and then the, ya due to old age I I see that you know she, oh okay ah okay


ah okay now this time round I I read ah okay describe a moment when things turn out better than expected okay angela maybe you want to start first ya


uh


uh, okay let me see describe moment uh I think uh, I uh I, quit my job uh, uh, uh few years back then uh I was pretty down


because uh because uh where ah I I didn't find a job, before I quit so I thought because uh I thought looking for job is not that difficult if I try but then it didn't turn out that well but luckily the later


part ah I was able to find uh, err so call a better job in a way that uh it fits my lifestyle better because it's more, uh, flexible in in the timing working hours and I also able to take care of my kid


so uh I think it it works out well, because initially I was pretty uh worried because uh lots of uh stable, income and all that but, uh, who knows ya so it turned out better


okay can we proceed to the next question what is the nicest thing someone has ever told you


okay uh


the nicest thing someone has ever told me is that uh that time I, ah I was uh, the HR uh, uh, and then, we were looking for staff and then uh this uh


this aunty I think in her sixties ah fifty plus sixties and then uh she applied for the job but, uh, uh she didn't really uh, uh


was very sure whether she wanted the job or not so, I I spent some time uh sat down, and chit chat with her and then uh we talked about life, and then uh I gave her some words of uh encouragement so at the end of the conversation like she was


you can see that she was very happy and then uh she thanked me for like you know spend time and and then uh what's it encourage her you know things in life and all that and uh ya also look at things positively lah


so and ya that's the nicest thing someone has ever told me, okay what was the happiest moment in your life,


, , oh, oh god okay okay for me the, happiest moment in my life I think the happiest moment in my life will be


uh the unexpected uh, uh the pregnancy ya because I I I've been married, for like uh what seven seventeen years ya fifteen years I think fifteen to seventeen years can't remember anyway then


uh, uh I I I don't have child and I tried but not that uh not that aggressively lah ya and then the ya and then when I was about to give up, uh at the age of uh forty years old ya then there was one day it just happen you see uh


and uh ya that's the happiest moment in my life because I thought that that that that's it already and uh who knows uh ya he just uh come into my life


so okay let's proceed to the next one, ah okay , ah describe one of your most memorable travel experiences


, (ppc)


uh okay uh so for me I think the most memorable travel experience, uh will be the one uh I went with my family to, to korea because uh we were all in uh


err mid I think mid thirties ya and, uh and we're still able, to uh find it deep and you know and and we set off for korea for I think uh one week one week plus ya and then


uh, uh , because we family you see because uh you don't because everybody is working and, and uh, uh is very difficult for us to born like this and is uh is every day and we see each other


uh ya uh, whole day for for for one, one week plus straight and and then we get to learn how to make the kimchi and, also uh


uh we have some fun uh experiencing the the food and also going to the the dongdaemun, and , buying the cosmetic and all that uh, uh, ya and then uh what happened was during the trip ya I I I had the


what you call that the, the the what is that ah just some I think I fall, I ya I fell I fell sick during that that that travelling trip so and my mum err


she just stay back and uh company me you see and then the the rest of my family member they they need to go ahead and I have uh some, uh moments with my mum for that day so ya quite memorable okay


what is the orders or most unique compliment you ever receive, orders ya, ya correct orders you need ya not not not that okay we move on ah what are you thankful


for okay


[ho] okay I think ya I I'm also pretty much the same lah uh thankful for for people around me then of course must thank the god lah because because like I mentioned earlier I I I thought I I I wasn't able to have a kid but


uh ya so is a miracle so I, to thank the god and, and then the rest to this family members ya that's about it okay, uh oh okay


oh used to hate as a kid ya ah (ppc)


, oh okay for me uh


uh, uh when I was a kid ya I I hate to be uh, uh, I don't like to be alone I like to be in a group ya, then now, ah I would like to have some me time ya because now with


kid you know it's like everyday very very hectic very hassle so it's like shouting everywhere and all that so, I would like to have some uh quietness some me time just be alone to whatever thing that I like probably just listen to music and then just sit back and relax ya maybe drink a coffee ya so


okay what was your best what was your best birthday present and why


okay ya so for me uh, uh, uh my best birthday present uh is a just a cake why because uh is actually is just uh


uh like you know uh, err shows that some someone still remember, my birthday and then the best part is that uh usually eh I'll celebrate my birthday with my family members, so uh


uh is very happy to see that they're still around you see , ya because , what I mean is uh , , what I mean is that uh you know uh ya because ya because


uh, unlike some of my friends uh, uh in in my age ah at my age some of them they their parents is really gone so uh ya I'm very thankful that uh, my mum and my dad is still around so ya nothing much ah but ya it's not


that, correct correct correct correct ya their presence you see their presence is a very best present correct correct , , ya alright so I move on to next one what is your biggest blessing in disguise


oh


, okay uh, uh, uh as for me uh I think


this uh losing weight ya, because uh initially uh because I'm , so overweight you see and then uh I don't know just uh happen that the this uh the knee caps uh it's not working well


and, I always uh in pain, then uh, uh, that that's when I decided to do something about it, so I really uh, I try to uh, cut down on my this uh intake of food uh especially on the rice noodles


then uh, uh, subsequently uh I I could say that I'm quite successful in losing weight and then, now I can uh wear back like my clothes like, maybe in uh


probably ten years ago so I was able to fit into my my my old clothes and uh ya I'm quite quite happy about it, so can we move on to next one what is a comfort food


!wah!, ah I think that's about it for me ah ya but but, for me ya is food ya not not just what comfort food everything it can be ya a lot as long as it's food is it can can just cheer me up be it like Char-Kway-Teow I mean or or just ice cream


fried chicken wing or what ya as long as is food lah for me okay let some of uh what do you love most about yourself


oh okay for me uh, uh, I think I just being true, cheerful lah ya very jovial then ya that's, about it okay thanks leh


ah


uh, okay, , err can do question one first okay


do you have a saving account


ya same I have a DBS kid's account so like uh I also, it's like a joint account with my parents ah and I also go down to the bank like sometimes to deposit my money and to ya start my account when I was younger


agreed okay but I think for me uh that's also that's a consideration but for me mainly I choose to put my money in a savings account it's to, stop myself from overspending ah and also to like inculcate the habit of saving cause uh after every month I will try to have at least like


uh some savings to deposit into my bank and not spend everything that my parents gave me as pocket money that's why I think having a savings account is important


in a week I try to save about at least ten to twenty dollars so that's like eighty eighty eighty dollars sixty dollars in a month, ya


depends I think if, we are in the holidays then we'll tend to spend more so uh cause we go out more so I think uh I'll save less so maybe I'll save about like ten twenty percent of how much money I get


eh but I think in weekdays if you if you just like spend money you just go to school and eat food there and uh like cause you you prioritise studying so, you'll tend to spend less money so I think I save more like maybe forty percent of my pocket money ya


(hmm), I think it's important for us to also like remember that as students we we, we are still trying to build uh build up knowledge regarding like how to handle our finances that's why it's it's better for us to control how much money you spend which is also why we should


uh why school food is relatively cheaper compared to outside food so because we we don't have an active income right now so ya, ya ya can


ya sure uh I think because for me I got my ATM card when I was about


uh somewhere in the middle of secondary school so I think that's a good place to start because I think having one at primary school will be like too early because, as a primary school student you're not really sure of you're not really like, sure how to handle your finances and you're not really sure about how to handle money and if you have have an ATM card you might go about like


uh abusing it by withdrawing money every time you need it to buy like toys or other goods that primary school students will need lah so I think, starting from secondary school is a good place to start don't have, ya


ya I agree with maths I think financial literacy is one of the, key things that all schools should go about teaching because other than teaching like, the school uh compulsory subjects in our curriculum I think it's important to prepare uh our students in their education system for the real world too and


how to handle your own finances it's some something that every student has to go through when they grow up eventually, so I think it's especially important that we are exposed to this at a relatively young age young and and impressionable age


(mmhmm) okay, cashback I think


I'm not really sure about credit cards but I think from what I've heard I think it's credit cards compared to debit cards credit cards have more like, uh you get cashback for for using like credit cards at some some shops I think like for example shopee you get uh ten percent cashback if you use shopback go or something like that ya


okay what do you think max


, okay do you want to move to the , second question like will you prefer having a debit card or like a credit card or like what what do you think of the perks or like the pros and cons of either one


like I think for me, the difference between a credit and debit card is is


uh that you can spend as freely as you want on a credit card because you're not limited to to the amount of money you have in your bank but rather for debit card, uh ya limited because you're not able to spends more than how much you have in your bank so say you have five hundred dollars in your bank you can't like say you want to spend one point five k and just spend


so I think that's more important for us as uh students so right now uh debit cards will serve more use to us because we are still learning more about financial literacy and how to handle our money well


ya I think personally for me I also face the same problem as that because I don't really have uh I don't really


when I spend with a debit card I don't keep track actively of much money I've spent so far that they compared to like if I use physical notes so, I tend to overspend if I use my card a lot that day, uh so I think this will be even worse if I were to get exposed to the perks of having a credit card at such an early age but


I think there's also some benefits using a credit card so for example you could, you could build up your credit score if you use your credit cards even more so this will make it easier for you to draw loans in the future in the case of like emergencies ya


okay you want to move to another question , okay, how about question five do you think couples should combine their finances or open a joint account


I think that uh I think that they should because it helps to build trust between the couple and also helps, ya ya they should they should have a joint account


cause I think it it helps like uh the spouse like both of them to keep track of each other's finances and to keep track of spending ah, to make sure that uh none of them like overspends especially if there's a tendency for one of them to spend the unnecessarily expensive goods


so this helps to build trust between the couple as well, because studies have shown that married couples who open a joint account together, sixty five percent of them are happier


that's great


yup I agree I think this also allows like each partner to have some


degree of like uh autonomy and like have some privacy over how much of what they get to spend on instead of having to be accountable to their spouse all the times which can lead to unhappier marriages


yup, okay, yup sure


life insurance, I think life insurance is uh important at all ages because you never know what may happen and personally for me my parents have also uh obtained life insurance for each of my family member


so ya think it's a safe fall back ya got it


ya sure think I just talk about a time where a time where


I had to had worries about an issue for quite a prolonged period of time so, so actually this issue isn't really pertaining to me but it's more of pertaining to my friend lah cause it's my friend that uh he he was in a relationship since secondary


three yup and honestly after he got into a into the relationship it's it's been going downhill since then because, uh he always tells me about how his girlfriend doesn't treat him right and he's she's really toxic to him


in the sense that one example he raised was when she when she shared, day which was like bad and expected him to comfort her, but when he tried to share about his own day too the girlfriend like shut him down and told him not to steal the spotlight away from her ah which I felt was really it was really


sad to hear ah because I think that in a relationship, it should be mutual respect and understanding for each other and and not just be tilted towards one side, so I think that was really sad for me because for many days after that uh he you could really see a change in his mood and how he goes about his day to day life lah


can see him grow physically sadder and just look overall less healthy ah and he has also like told me many times about, how he tried to cut himself and I think that's really uh heartbreaking ah because I don't think anyone at our age should ever have to go through something


so detrimental to one's mental health so I think that's one that that's one thing that really saddens me a lot yup


yup, and then I move on to another question okay


the saddest scene I've ever witness, I think the saddest scene I ever witnessed was probably in school when, when


my teacher cause my teacher is she's known to be a really nice teacher uh nice and understanding teacher so but my class was known to be uh, rowdy and mischievous class so we tend to like we tend to not listen to what she's saying and tend to disrupt her class a lot


so I think one really one scene that was really heartbreaking was when she came into class and told us all to keep quiet but we all took our time and didn't really like pay much the attention to her, and then she suddenly started breaking down and crying ah and, I think that was really saddening because I don't think uh a teacher should ever have to


go through such pains ah just to teach a class we should all accord teachers and figures of authority of the respect they deserve ah and, her being a relatively young teacher who's just started who just finished uni finished NIE and she's just join the workforce


for her to have to experience something like that in her first few years of teaching is really it's really saddening lah and, uh ya after that she stormed out of the class then uh some of us went to get her ah but after she came back it was really awkward and stuff but


I think one good thing that came out of it was that it's a way for us to bond even closer as a class because after that, we actually became really good, friends with the teacher and we still meet uh meet up often now lah to like catch up over lunch or a meal ah


I think this just this really shows his humility ah and how despite all his achievements in life he never really expected much from his students and just wanted to, show the most genuine care and concern he could for those the students under him ah and I think that's really an example of how


in life it we tend to never really appreciate what we have now and take things for granted until, we never until they leave us ah and we never get to experience them again yup


biggest thing has hurt me bad I think for me is probably would it probably will be, uh myself because I think for many of us we tend to face our own internal struggles in achieving our goal so right now as students I would say my main goal to be


do well for the upcoming exams and also forge meaningful and long lasting relationships with my friends and classmates, but I think one problem that I face a lot is my work life balance so in this case my school life balance ah so I would tend to


allocate either too much time to friendships and relationships or allocate to, too much time to studying which is it isn't good for for me ah because I think we should have a balance in both aspects uh to achieve our intended outcomes at the end of our schooling journey lah uh


yup I agree with you I think, I think what's most important for us to realise is that uh, we all spend around the same time here on earth and we all have the same twenty four hours to live each day but how we spend the twenty four hours is really up to us ah


whether we choose to spend it meaningfully or waste it doing things that we know, will never lead us any closer towards our life goals ah so yup, you want to move on to another question


okay, often worry about


think for me I often worry about uh the way I carry myself uh around people so the way I portray myself because, uh I think that's one of my insecurities it's how uh people view me ah use used to be on my insecurities this is how people view me so I'll I'll used to be very


insecure about the the way I look and the way I behave around people especially those that I don't know like my uh like strangers ah or people that I've yet to meet, but recently I think it I've come to realise that people don't really care much about


others as much as they do themselves because I think in our hearts everyone's always every time insecure about one thing over another, so it's really up to us to look past this insecurity and just be ourselves which I think is the most important thing to do


in our day to day lives yup


, you just want to, ya, sure, , think for me what makes me stressed will probably be


I will say myself because I don't really get much I don't really have I don't compared to other people, uh my peers ah I don't really have to face any high expectations from my family members ah because


I'm fortunate enough to have parents that are really understanding and they just want me to do my best lah in any way that I can and they don't really have any, requirements of me they just want me to do my best and be happy which I'm really grateful for but I think what really stresses me out is


it is because of this that I feel that I have this duty to uh make it up to them by doing the best I can ah and to actually hit the the grades that they, that I think it's deserving of of of them of of me ah so I think that's


the stress that I face in my day to day studies ah but I think it's this stress that really helps push forward my, enthusiasm and desire to learn and, practise and try and undergo failure each and every day ah as I know I'll come out uh a better person and one that my parents would


be more supportive of in the future and ya I can really make it up to my parents this way ya


I think for me , maybe I'll just talk about my experience in school lah so in school I think uh we get the experience, taking charge of an event very frequently in school like you get exposed to this experience to experience how to organise how to lead our fellow peers


so I think one experience that uh relates to this question is when I was tasked with my other, peers to organise an event for uh our CCA in open house, so we actually it was actually one of our first times like


organising an event so we weren't really sure of how to go about doing it and we also really playful lah as immature secondary school kids so we didn't really think too much about the planning we thought it's going to be like a breeze so we just, uh we just went about on our weeks until like it was just days before the actual open house but


so we thought that things were going to go like downhill and we're going to get uh scolded by our teachers and going to get, ya ya it's going to go badly but, I think what pleasantly surprised me was the willingness of our, the rest of our peers and juniors to like help us and follow along despite our incompetencies


and also for them to take initiative during the actual open house instead of us having to direct them frequently and taught them like what to do and stuff, so it really warmed my heart to see every one of them putting in so much effort despite uh our


constant mishaps so that that was something that turned out better than expected


that's nice okay, uh you want to move to a different


the oddest compliment ah , (mmhmm) do you want to go first I don't think I need some time to think


I think for me uh


the oddest one isn't really because the compliment is odd but maybe it's cause the person who's like it's odd hearing it come from the person, so it was actually in school when I had to go for, a school two separate school events so one of them was a religion one of them was a consultation with my other teacher but because uh that day I had something on with


my other friends so I had to find a way to get my both teachers so, I told my first teacher that I will certainly my second teacher's consultation and vice versa, but uh eventually they found out lah but it was weird because when they found out they didn't really scold me they just


uh they were more like they were more surprised and uh, they laughed it off ah but I think it's partially it's cause they're the both really nice teachers and, I think they just really understand us as students ah so instead of just scolding us they actually like, I guess you could say as a compliment because they they were surprised as at how sneaky I was you could say ya so I think that's the oddest one I've ever received lah


okay, you want to answer, (oo) what was the happiest moment in your life


ya I think for me uh mine also a service related experience because I I think for me I get true happiness is I I derive it from, others' happiness so that that's why I would constantly try to put myself out there to


help people as as I find that this is what makes me most happy and I think the most memorable experience I have is when I was sec two, and I attended uh uh an MYMCA mass cleaning session so I I have to go to the house of uh an elderly in a rental flat and


together with the rest of my friends helped to clean up the house and, basically make sure the house is tidy make sure there's no like clutter around so the elderly don't like trip over the clutter lah, uh at first I was kind of a bit Sian because


it's like just basically cleaning the house ah like repainting the walls dust uh sweeping mopping cleaning the toilet and stuff but then, after awhile I discovered that the it was actually a an old lady that resides in the apartment by herself ah so


she was just sitting there alone so I decided to go and talk to her ah together the rest of my peers, and I think that was the most meaningful part of the whole experience because we really found out a lot more about her life and, I could feel that we we could we shared a really heartfelt connection with her ah because we both us and the elderly shared more about ourselves and we discovered that


she's actually living alone because her spouse passed away recently and her kids, her kids come over once in awhile but most of the time she's alone lah and it's even more heartbreaking for me because, we discovered that she uh couldn't she was basically immobile because she couldn't get around very well on her own and she was wheelchair-bound lah


so for her meals there will be volunteers delivering to her doorstep like pre packed meals, so she could only spend most of her time at home reading newspapers watching TV and stuff like that lah so she could barely clean the house on her own lah which was why it was


in the stay it was in the first place so I think that for me is was really heartbreaking ah because for someone who, who is of such an age and who should be enjoying her retirement she has to stay in such conditions without anyone to talk to without


anything to do just stay in the small confined area that's her apartment lah so I think, it really made me happy knowing that after we left that day we really left an impact on her ah cause we could see that she was, physically like smiling and she was talking in a more lively manner than she did before ah so I think this really made me realise that


it's it's not about the physical acts of uh service that we do like cleaning the house lah more of the interaction with the beneficiaries that really makes service , all that more uh engaging in uh beneficial for both parties ah because we get to learn from each other and


also like share our joyful experiences or and you will form like intimate relationships with each other, so I think that's what really makes me happy ya


yup, , uh sure I don't mind, comfort food I think for me it'll be


home cooked food because I've had home cooked food since I was young lah and it's always the same like it's the same style like chinese style every dinner so I think, uh after having a bad day and I come home to that food it really like warms my heart because


it's something that I've been having since I was young and I really like, I have a lot of good experiences with it ya like be it, sharing the meal with my family members or like having a good conversation with my family members ah so, it's something I always look forward to after a long hard day in the outside world ya


(mm)


okay, okay


do you read the entire question


yes I do have a savings account it's a POSB a kid's account that I share with my parents, and, uh I uh I occasionally go down to the bank with my mom to uh to


deposit money inside my account and also check how much money I have inside


yes that's great, I think I think that putting money inside the bank is very important, as if we leave money, uh for example under our beds


due to inflation the price of money will fall and our purchasing power will decrease, and thus if we put our banks uh our money inside the uh savings account for example and there's, the bank gives us interests and to account for the effects of inflation and therefore


I do choose to put my money inside the bank


yes how much money do you save, ya in a month or in a week


okay that's great around what percentage of, your savings is that uh of your income like , allowance that your parents give you is that


okay ya I also save around twenty dollars per week so that, adds up to around uh thirty percent of my allowance, I usually spend during school hours we spend on our lunch breaks and our


uh lunch breaks uh we have , a convenience store and the canteen and the food there is relatively cheap, and the drinks there are around one dollar twenty cents and the food is, around four uh three three to four dollars so I think that during the holidays uh uh during the school uh schooling days


we usually spend I usually spend around thirty dollars a week, compared to the holidays where we spend where where we have meals at at restaurants with our friends so we spend relative uh relatively more during that period of time


okay do you want to move to the next question on on, what age at what uh question six at what age should your child be given an ATM card to manage their own bank account


yes I also got my ATM or debit card around the age of fifteen and I thought it was a really good time because during that period I started uh my mom my parents made me, go out and work and so during that time I really understood the value of money and by giving uh them giving me


financial a freedom to control my finances and also to withdraw put in money I think that really, taught me some skills that I needed to have on how to save and how to budget my earnings and spendings


ya, I think school uh in schools is also very important that, schools teach uh students how to save and how to budget


on doing national education lessons so that, the students in the education system will understand, the value of money and, the importance of saving and also give them some insight into financial literacy


uh which is very important when you grow older


yes okay uh let's move to the next question, a cashback points or miles


I think personally for me I would prefer, uh ya they all have their pros and cons for example for cashback while you get all your money back and you, uh for example a percentage of the amount you spend let's say you you shop at shopee you get ten percent off uh ten percent back or you shop at another store and you get five percent of your total bill off


I think that that is really great because you get to choose what you do with the money you get back it's something like discount lah for points and miles , sometimes it'll be relatively cheaper, a relatively better because if you convert the points into


uh hotel stays or meals at restaurants and hotels uh it adds up and it actually, it's much cheaper if you pay for it in cash for example


for example if I buy a bag and it cost me a thousand dollars and then I get uh thousand points and if, but if I choose a cashback option it only gives me , uh twenty or thirty dollars but when I convert this one thousand points into spending at let's say a restaurant


I can get a meal that I would have to pay forty dollars for so I think that in that case if you are going to patronise a restaurant, uh that particular restaurant or , the registered


groups or businesses that have collaborations with this credit card then I think points and miles is a better option, that we can have more value for your money compared to cashback but all these are all subjective, so it depends on personal preference


ya sure


personally what do you think is the difference between credit card and debit card


ya agree I think that credit card is uh credit uh debit card is where you where the cards when you spend it actually deducts from your savings account, compared to a credit card where you can actually take a loan from the bank to spend, and so when you have that choice to spend more than you actually have in your bank I think it's a very dangerous because


it's just like going to the store and swiping a credit card, you don't actually see the real amount of money you spend in dollar bills and coins and notes, rather you just see a number on the screen or on the a t on the machine when you scan your card so I think for young people who


uh who uh this is actually a very pressing and uh prevalent problems many of them do not understand know how to control the use of money, so in that sense many of them because they don't know their limits and don't know that


the amount of interest they have to pay uh many of them result in getting themselves into , uh debts which they spend a large part of their life paying off because


I think for credit cards they charge a much much higher fees and they also, charge interests same as from bond from a bank so I think that when you spend, that much and you get into yourself into a lot of debt uh you first have to pay off your principal sum and then you have to pay off your interests so


it adds up and and uh accumulate so in that sense I think that, for at my current level of financial literacy, because I may not have a very good self control I think a debit card is


uh more suitable for people who are at our age yes


ya I think that ya the credit score or something is very important what some of my friend's parents did was, they gave their kids credit cards from a young age, and allowed them to uh uh


let uh buy buy their stuff the things they wanted to buy like school supplies and bag and school materials using the credit card, and they often paid the bills on time so as to give the children uh better credit score


so I think a credit score is actually actually uh good credit score is actually extremely important because if you go out into the world and you want to take for example a bank loan or car loan or, education loan banks often look at your credit score to see whether they should


uh allow you that loan and that sum of money so I think that having a credit score and paying your bills on time is extremely important and, it should be taught in schooled on, the importance of this because many people can uh often do not know or do not understand the importance of it they think it's uh just uh


uh number uh score and they can just uh play around out with it and, just change bank if their credit score is bad but I think that ya it's quite important to know that, uh it really affects you the the uh it's very important to know the impacts of your a low credit rating or high credit rating and that's


what should be taught in school ya, ya let let's do like one or two more


, what do you think, so you think they should combine or have a joint account


okay


ya I read that somewhere too, and, additionally I think that, ya while, a couple should have a joint account I think that a majority of the money should uh percentage of their money should still be in their personal accounts


because they have to have some fall back or some security in case, that trust gets eroded over time which happens to singaporeans couples young singapore singaporean couples


very often these days as the number of divorce rates are going up so I think that while the it's important to have trusts, and pursue a happy family life I think that, hold uh uh a small percentage should be in a joint account


so as to allow the other partner to perform some check and balances on the, other partner but majority of the money should still be in their personal accounts, ya


yes let's just do one more I think with the time given, uh


uh what do you think about getting life insurance at this age at this age


cause I think it's extremely necessary because for for for people who are our age, youths they like to take unnecessary risks uh for example doing uh doing uh going on overseas uh overseas trip alone or


uh uh doing things for the thrill and so putting their lives in danger in the process so I think that, ya because you can never know what can happen or or what unnecessary circumstance


you will meet with I think it's very important that everyone has something to fall back on and and this case is, life insurance which is purchased from a young age by parents


, this is slightly challenging, do you wanna go first