ya okay (ppb) well that's interesting, ya, all right well it's very ya it's really nice talking to you yes stop


okay let me see is there any question I've not


part three negative experiences, let me see any questions


anything come into your mind yet , killing ah really ah you mean horror movies ah, oh I mean uh uh ya violence movies you mean, (hmm)


oh, (hmm), ya those unfortunate endings lah means the endings are not so good right


for me , I would I would think something that I read that gives me goosebumps are those history history books you know, or biographies of like maybe wars survivals I remember reading you know some of them


and uh, something like maybe the nazi concentration camp you know how they're being tortured so , and a lot of time I I kind of skip pages also, because it's too gruesome so when I read them and I'm like oh no !wow! this is really too intense for me


then I'll be like okay you just kind of like you know, speed reading and then I'll jump because it's really gives me goosebumps you know I I just cannot think of how brutal some people are during that period of time you know, how brutal they are or those victims you know their suffering and how they are being afflicted physically mentally emotionally so ya


but yet because I'm so curious about the past, so curious about we know world war and all, this kind of thing ya biographies and, history books does gives me a lot of goosebump


true true especially during the roman isn't, it !huh! , !aiya! repeat Punya, the old testament dear I I went through the just like you I, I walk through bible doctrine for three and a half years I I you know done with my diploma in bible theory uh theology and ya I agree with you


ya history and, they really does gives a lot of goosebumps you know as what you say they're different , scene or different uh what they have recorded about certain things or actions that really ya


it can cause a lot of goosebumps okay let's see what else, , I do not have anything gravely wronged, okay describe an event that makes you very angry you have anything


really makes you very angry your children an event can you think of a simple event


ya me too oh we are both very happy people you know very okay I don't have I do not have the any you know something that made me really angry, no no okay let's skip that question what disgust you anything that disgust you okay let's talk I think it's a good topic what disgust you the most that makes you like !eww!


you know what on earth, anything that disgust you for me I think okay I do I do think that , I mean I love my country people I love my, so called neighbours and and uh


you know gym mates and all this but I uh, I do sometimes feel disgusted when people are Kiasu, okay


ya so uh let let's think of one thing that that makes us feel disgust about this Kiasu okay, okay so for me there's one time uh about this Kiasu thing is that when people are queuing up you know you remember I don't know whether you remember about the mcdonald's hello kitty thing ah


ah so so I saw all these people queuing up right to buy I think something like a happy meal or some, thing like that then you'll you get this get to buy this hello kitty thing so what happened is that I I I walked past and there was a


huge long ridiculous queue, okay I think it's you know and I'm I'm very surprised at how patient these people are just by queuing up you know so one of the Kiasu thing is that because people kind of like stayed overnight


stay overnight to to to chop a spot right, to chop a spot so when I was walking there people are actually arguing and quarrelling, you know they they start to have a dispute because of the so call the sequence of that space sequence of the


space ah oh you know ah you know I put this spot and and here you no no no I came first and you come , so I felt that I felt really disgusted by that, so so I don't want, understand why we cannot do it in a more civilised way, and


ya so, ya no kidding I'm so so who to say that one one packet of tissue paper that is your spot, you know and ah I wouldn't know


exactly and sometimes maybe the so called the the item that they place is not very significant you you you don't really see it and that's the one they


ya, exactly so it's not not noticeable you know but yet they argue over it then I find that you know even if let's say there is a misunderstanding, it should be in a more you know they should really resolve it in a more amicable way instead of arguing shouting and ya so I think the Kiasu thing


really sometimes disgust me


yes yes yes, yes yes yes


yes true or even you know as what you say not only just rush into into the train you know it's supposed to close and they they kind of like


not only that they want to I remember you know when I was in MRT station and we are walking, all walking you know we are all going in uh, boarding the train and this lady she just kind of like dash in behind me and then she kind of like brush herself through the people the the crowd in front just to so that she can get a seat


so dangerous you know ya and the people in ya very dangerous because the, people in front you know they might be people who you know lost their footage and then they'll fall right so I'm thinking that why oh why do you need to be you know in such a manner that you you might even cause injury or harm to someone else


over there because you you you are so eager you you are so , so desperate for a seat so ya this is some of the, thing that I think ya Kiasu is something that really sometimes it's it is it's annoying it's annoying ya


ya that is true COVID let's talk about COVID that's true so are you stressed up


oh really this what I this is what I heard you know some of the feedbacks or commands my friends made they tell me they say you know working from home they're pro and cons you know uh of course you have the comfy you don't have to be dressed up for work you don't have to be you know rushing for trains and things like that you know


but ya there's a lot of cons too as what you say you know time managing and trying to juggle home and responsibility and and workload is not easy


so you prefer them to stay at home during I mean I mean, isn't it harder for for your kids I mean especially for people like you who work isn't the harder let's say you have to juggle work and then your children have to be so called is it is it screening at home for schools kids do they do they do school at home during that time when there's a lock down


so is it difficult because I don't have I don't have this experience you know all my kids are


real, I am surprised though, !huh! so there's there's you mean there is a online kind of uh video teaching right and then from there more, more homework given to them


so it's very hard for it


really ah so so you're saying that during that time so they need more assistance from you for the homework, !wow! !wah! that is !wah! that's a lot of, that that's not easy for you it's very very challenging you know because I do not have that problem because I was thinking I say those people


full of young children and then they or they are still, schooling maybe in the primary or secondary and then they have work at home some more right but then you, and then uh uh most of my girlfriends tells me that oh you know what it's not that easy we have more work load actually working from home


you know as in when the boss wants you you have to answer as in when you know you have to do this and you have to reply email and things like that I said how do they cope with children going online study as what you say home based lah online study and then with work and then with house chores , oh my that's going to be so difficult right oh really ah


okay oh !wow! that is really tough that is really really tough so is there any I mean is there a lot of like conflicts for that, do you do you see more conflicts during COVID


or or oh


!wow!, unbelievable right, and now they're back to school am I right or not are they back to school already, so but then you have a different set of problems you are more worried about you know ya I do if I if I were you ah I will


few really intimidated you know I'll feel very vulnerable ah worrying about my, kids whether do they you know sanitised their hands do they wear their masks you know properly you know anybody sick in class you know ya I'll be, very worried too


but they are coping well now


ya exactly, , oh, ya there's a lot of fear well I I just hope that the situation you know in singapore the COVID cases will keep dipping down I mean you know I I'm really


look forward for better days but again I'm not I am thankful for COVID because it does change us most everyone of us you know it helps us to understand !wow! really you know, cleanliness and


you know health and all this you know we a lot of things that we took for granted you know then we we look at it differently now because of COVID ya


ya me too you know


ya it is I I agree with you totally that's why you know after after like reading as what you say when you read news from SEA you know from different news uh places and then you realise that how fortunate we are right as singaporean, you know you know our government and our leaders they they really put in a lot of effort try to tighten up and all


uh different, guidelines and uh, ya they they put in a lot of effort you know in to tackle this this uh pandemic, so, ya it it is very worrying just looking and also the economy around globally is just being affected by it and I I am very concerned about it but then on the other hand I'm


I believed that this is just a phase you know it's just like you know just for a short of period of time I I'm praying that it's going to be a short period of time , and that things will start ya, ya I do have you read about the one in malaysia there's a new


as in ya , I'm like oh no , don't tell me we're going through the second wave or the third wave you know and here we are you know trying to uh to search for a vaccine you know to and there


we are we have going through another phase another wave so ya it can be ya it can be daunting, ya then it's going to be like ya


ya I I don't know but definitely I do feel a lot difference before and you know I mean before COVID started now after COVID and uh, I miss as like you lah we travel a lot right so we miss those traveling days and ya


I I miss going out eating you know, , sometimes in hawker centre you know !oi! you know with all my gym friends I really miss those, those days those are really looking forward , okay let's see


uh say anything that let's see , (hmm), unfortunate I don't have is there any questioned, okay do you have any phobias just curious


ya I don't have any any uh let's see anything okay anything frustrates you at this moment


oh !wah! oh no, oh no, oh ya that would be ya that will be really frustrating right


ya I know, I know about that man anything frustrates me ah I cannot, have anything that frustrates me that I, okay maybe maybe maybe not really frustrates me but I think


the challenge the most challenging thing I'm facing right now is , because I'm picking up some courses right so it's I find a little bit harder for me to sink in or to remember, because certain courses you need to read


memorise a lot of names a lot of uh you need to identify certain uh you know you need to memorise SOP, and then ya so maybe age plays an important part, you know and skill ya skillsfuture courses are not easy I must say


so ya it is very very challenging and ya it's really frustrating when you you really try you know last night I study until maybe about twelve thirty, and then this morning I went for my my course right my class right I'm like okay I can only


(ppl) (ppb) I can only (ppb) ya, (ppb) okay (ppb) so that's about it [lah] but I'll try my best yes okay (mm) that's about it yes (mmhmm)


yes lets click yes part two yes, I am ready okay uh I have not look like let me look through questions


part two positive experiences yes, let me see, I do I do travel a lot though what about you


oh so you need to travel for your for your I mean for your work ah


yes , so okay let's start with you since I think you you you you must have travelled uh quite extensively so any places that you know travel experiences that left you in awe, like you know you like !wow!


!wow!


oh, !wow! awesome, so I bet you must have gave him a lot of complement and a lot of with positive feedback and


!wow! that's awesome awesome, ya !wow!, unbelievable that is you


I see !wow! that is that is really really something , for me I think my most unforgettable one and really !wow! me is when when my aunt took me to , see my aunt was working in uh germany for a period of time


so when I went to visit her and she said she wants to she knows I love nature, so she say let's you know I'll take you to a trip and then we went for this what we call uh conic sea, it's called conic sea lake conic, sea uh ferry boat ride


so you actually board a ferry or a boat you know and then uh this board would just kind of sail through all the alps, the beautiful alpines and alps in in in austria , and it is so how beautiful you know you you can imagine you know I feel so tiny I feel so


tiny when all these huge magnificent and powerful alps surrounds me, I feel is really small you know at that moment because you are you are in the midst of the you know sea and then here all this huge alps just reach up to the sky you know you feel like they are just towering above you


and ya so it's and then that this little boy they actually has a instrument you know it's kind of , traditional instruments that those uh the uh the native people, pass and overt that stays around and he starts to play a tune and he once he he plays that tune it actually echoes back the the alps echoes back the sound


so you can you can hear like a, kind of thing it it it it , ya, then you you start to then you start to realise that, !wow! it's ya you I just I during that time I just wish that time would just stop there


you know just stop there then you you realise that !wow! really you know , how on earth god made all this huge towering alps you know and all the beautiful, sea and ya that was one of the most memorable and really !wow! me and I felt so vulnerable yet so wonderful inside me so that is the most memorable time


that I had I think ya no I wished because every time when I go back to europe it's always on a different spot, and every I will say that , all the places that I'd been uh be it eiffel tower or be it you know uh salt mine all this nature or architectural kind of buildings always it'll astonish me you know how how did it


ya, yes yes it's it's amazing you know I mean the art and you know, yes, and you know you know the paintings on the cathedral and and how how on how on earth they go on top of the you know what I mean how did they paint it up on the ceiling you know I was thinking that you know it's just amazes me


and you know all the all the art and the handicrafts and ya and the structure the nature ya it's, I I felt very privileged to be able to travel around the the world really to see different , country different people and ya so


I love traveling if I have more money okay I'm, still saving still saving , yes so I so my so called leisure becomes smaller because I you know I you know so I I tell myself I said okay lah maybe someday you know I would like to


uh go to iceland or or I want to go to santa claus village you know uh switzerland ya switzerland right is a nice place you know I said but I I have to save up first , niagara fall yeah


yes it's one beautiful it's beautiful, yeah so I I don't know I waited like that is really really something you know, let's see yeah, let's see , what leads you okay anything any moment that you felt that proudest moment in your life let's let's hear about that what is your proudest moment of your life


(hmm), have you ever thought of that something that make you really lift up, really ah, okay (hmm), maybe my proudest moment I guess when we have kids right every achievement that they have or every


hurdles that they crossover makes me proud I guess, I don't know, like what about you do you think so as mothers, ya I can't think of anything that make me proud other than just you know


well , that's a good one that's a good I must tell him that I think your husband will be very happy to hear that too


ya so it it's it's very very funny ya so ya and so the, ya whereas for me I I guess we are so surrounded, by you know


ya I remember when when uh my children you know graduate you know !wow! I felt so proud you know when I attend their graduation ya


can you hear me now ya okay oh maybe accidentally , so I I felt that uh when I, attend my children's graduation ya I felt super, proud even though it's PSLE and then it's o level you know you feel you know smaller things like this I felt !wow!


finally !wow! it's over, you know , I don't know if you feel that way , you know it's like oh okay their next hurdle okay they cross this hurdle again you know okay they cross that hurdle again it's like !wow! so ya , that that that is this


okay what's say what makes you want to be alive what oh did you say any any, is it , so what what were you thinking when you're thinking about this question what makes you want to be alive


, ya I agree with you totally I mean, I guess I'm very driven by my my family also my children


uh my husband and, they you know to to be able to see them, watch them my kids grow up and then to see my husband and I start, aging right together gracefully gracefully


I I try to be very composed you know as I aged so ya so I


that's very true


yes, that's very true that's very true I mean even for myself my children has always, been you know they they they exhibit, their love they demonstrate their their affection to me very openly and uh if anything happened if I remember being on uh you know lately I hurt myself I have this shoulder impingement uh and I have problem moving my shoulder and then even that something like that err err they feel


they feel very sorry for me and they they become very sensitive towards uh let's say if I want to do laundry they say oh come I help you, you know or uh uh let me help you with dinner tonight mum so ya those those little things that they you know the affection the little actions you know of kindness really helps me and and really drives me I I want to I want to live longer I want to


I want to you know I want to be alive I want to be you know ya and also of course not not just all the good things there are some, times that they struggle with different things also be it my husband my children ya so to see that I'm needed you know and it's so important for them to


to know that I'm here for them, so ya that that, alone tells me that I need take very good care of myself , so that I can I can enjoy life with them and they can enjoy life with me we can share memories together ya I think that is I think


yes, I mean you know what health is the most important thing I can't I can't think of anything better than that you know I if you ask me you know is, am I more concerned about money or health uh absolutely health


ya I can I can have very, exactly you know because I you know that's why people ask me yu bee you don't worry about you know how much you have in your bank actually, not really I say if I have the health why should I worry about the money


, yes and also I think if if people I mean if we keep our health you you know good and then we are we there's no reason why we cannot make a living why we cannot survive


you know there's there's there's no reason is there's no such thing as you can't find a job in singapore , so if I so I do a lot of part times you know whatever job opportunities comes up so ya so it's good to be alive, right it's good to be alive I I just just just very thankful to be alive actually very very thankful let's see


okay what when did you blush the most something that you feel very awkward about you know, I I will share I will share mine I think if I when I look at this question I said when did you blushed the most and describe the experience okay although I I'm so call family oriented person but I do have difficulties for


big gatherings family big gathering you I'm talking about extended family, ya, so you know my because I come from a very big family background, so my my dad has a lot of siblings my mom has tons of siblings


and then, and all these siblings have you know again have family nuclear ya so I can't I, can't keep up with the , I can't keep up with with the relationship you know kind of thing, so but let's say once a while we have a huge gathering for let's say a reunion or wedding then I feel I I will blush the most because


you know when I go and attend then they will say okay I'm your great great great great aunty don't know uncle son daughter then they will tell me you know the showed tells me the you know then they will, then I'm like okay wait a minute


ya so so I I do feel, awkward uncomfortable, and I do blush a lot uh when I'm in big event so I don't, I don't really like , to to kind of like you know joining ya what about you do you have this problem too


so you do got receive a lot of recognition for your work, ah you are being modest ah lah ya I can make you blush already


but it's good to receive, so it's good it's it's good that you I mean you know it's good to, be recognised for your work it's good to be recognised ya and I guess singaporean we are such hard workers you know we're so hardworking and we err we kind of we tend to be like


I don't know overwork, like, you know I always tell my hubby !aiyo! you are really a workaholic you know then he said what to do right


!wow! you must guard your status right you must guard guard you must guard your rank , yes yes yes


yes conservative ideas


it it is really competitive right now it's just very competitive and I I understand where you're coming from because


you really have to keep your standard up, keep your toes you know you're on your toes so that, ya, well during my sales and marketing I I mean I was quite surprised that I still can fit into the workforce industry


I still got the flare you know for sales in uh so my err uh I was offered the job because the boss my ex-boss actually spotted me I was working part time, and then ya so she reached out to me and she said you give me all terms and I'll agree just jump in into the wagon so yes so I did jump into it and then I I slaved for her right


you know I slaved for her because because my bosses really uh you know they trusted me they believe in me, and so I was carrying a lot the responsibility and start to multiply and soon enough I felt myself choked


ya I felt I felt very choked and then I realised that you know I'm being just like anyone else like you guys you know working very long hours instead of a part time become more like a full time job so I decided you know why shouldn't be that way you know


but before I I threw in the towels I I I waited the uh during that time when uh I picked I picked at a certain period of time on my on my job, ya so I make sure that I have all the green lines green numbers all coming up then I said okay I I quit ya uh ya so that's that's about it lah that's about it yes good (mmhmm) all right


part one financial, related topic


yes I'm fine need to check something with you, do you have a saving accounts, me ah OCBC and UOB


can I check with you one thing ah , is is is the your experience in uh having this saving account


what is the experience that you have, it is good for what maybe salary


oh okay, mine also bank in by, it's my salary and also the I can use it to pay cashless use PayLah also to pay to my friend, very convenient , then purchases also can


pay through credit card and debit card also cashless way now


most of the bank is giving a lot of credit cards and then got a lot of uh sometimes they give you a lot of uh like, it's uh discount for food, you can use it, then when you buy uh from, website you have the purchases that you make


web Taobao and all those ah, I pay through the credit card sometimes they eh do you believe in credit card payment or debit card payment when you buy from Taobao


but there are so many kinds of cards give me so many kinds of rebate how you keep track


they give better cash rebates right, but mileage is more for traveling I don't travel so much


then do you have any fixed deposit


ah okay but the interest is the interest rate good enough


it's like zero point something or one point something only right, so it's better to keep it at home, or put it in a bank also, to earn a little bit of interest


ya lah one things, , but the interests so low


I just recently applied loan for my, daughter, her a university loan, quite good, you don't have to pay interest until she graduate


after she graduate then we start paying with interest but maybe lah there is err we can consider paying cash we can escape the interest ah, but if I have cash I'll pay full if not then my girl will have to pay herself monthly installment


the interest I don't think I hope the interest is not too high because we don't know the interest rate yet, they just give you the they they will give you the loan


then for three years you don't have to pay anything until she graduate, then either you want to pay full cash or you, pay interest, maybe you can pay until like ten years you know, then you pay lesser amount lah


no there is no comparison because there is no interest shown so whichever bank you loan they can't show you any interest only when she graduate then you can see the interest how much they're going to charge you and also when the economy is bad or good, at that state of time then we will know


so there's a disadvantage, ah that one ah not from bank from HDB, but some, others they will come up from HDB and they will loan from the bank


then there is different kind of payment or payment payback, ya lower interest but there's a risk lah anytime they can increase the interest


if you have a ah, yup the floating ah you called it okay okay I don't know about the floating thing because I don't go borrow from the bank and then uh HDB I just leave it lah just just for continuous sake lah I don't want to change anything


the risk is not there you know I don't have to have different interests rate also, what about you do you get any loan from the bank now


oh okay yeah, , car loan also lah they will give you like five years seven years for you to choose then the interest will go higher lah if you pay longer, eh check with you do you have joint account with your husband


newer generation they they seem to have a joint account and they used to join account for paying these paying that, but not for our generation I think


financial thing


okay , nope I don't have joint account since married time until now, so as and when my husband, happy he give me more money and then when he have more uh money in then he'll give me more if not then he don't give me and I'll have to pay myself


eh what about your kids do give them ATM or when how old do you like to give when they are older for for them to have a bank account and a ATM, how old is the best age


payment on their own, ya my girls started only when she's sixteen years old then she opened a bank, account then she has her own ATM, easier for her lah for food for pay lah for herself with the friends


more convenient leh actually, yeah then from her account she will pay whatever she needs to pay, and then her salary wise if she's working part time


the salary goes to her account, then she will take care of her own, expenses ah, make sure she know how to spend and save, also OCBC, so next time you son ah also can have her own his own bank account already


no the interest very minimum only, nowadays the bank don't give a lot of interest for


for convenience on spending lah ya lah, you will see the immediate cash rebates on your monthly statement


for miles unless you travel lah


you know if the gift ah waste of time lah sometime the gift they give you don't want what, so it's better they do immediate cash rebate either salary goes in your spending one month must spend how much then must monitor lah


then you'll get it


yup but then you don't spend so much also what , and then you (hmm) if you spend on different cards you never accumulate into one card, then you won't have enough rebate they may not give us cash rebate also


, no the credit card have some insurance no when you get a credit card they when you purchased right they give us some kind of insurance also, yup, and then when you buy ticket also they have insurance what using your credit card


they they will they will (hmm), that's when you buy the you purchased the tickets from using uh by using their credit cards they will give you a a small kind a small amount of insurance like I would say personal accident ah they will cover you a bit


sometime there's a protection there, not really have not they keep asking me but I already have my own insurance so I never consider yourself


!whoa! this one we have to go look around had to check with them, but I don't trust bank banks uh insurance I always go to my agent, they go direct they go direct


correct the bankers they always change what so if you buy from them then any queries or anything you cannot ask them for help, they will ask you to ask you have to call the agent uh call the insurance company yourself, so if you have a agent or have a friend doing insurance is better to buy from them that's what I think lah


for for a one year or two year


yeah right I see most of the bank I went in also google most of them is zero zero point five


no I'm still looking around, I haven't think of which bank to go yet because all banks are given different rates now, so you only stick to ICBC ah


you still looking around, oh I wait for my big ship


go cashless ah, convenient ah so the money must still put in the bank, do you feel safer to have money in at home or in the bank, you know the older genre likes to keep their money in the tin boxes


milo tin ah then next time you throw away the tin your money also gone


I prefer cashless more more more hygienic ah, a lot leh nowadays, it it too many platform already then see which which, platform give you a better rate sometime they have special like you pay so much and then they give you rebates then you use them lah I'm waiting for a new one to come in then you'll have better rebate


after a while (hmm)


ya I also use PayNow PayLah Singtel dash I also have more for transportation you know very useful, now you just don't need to just top up top up the we just use our own uh bank


PayLah to go into Singtel Singtel dash and then you will top up and then you just go cashless everywhere cashless, , more of this I think financial adviser also they will help you to plan uh whether you need these insurance how much uh to put in and for they they will they'll calculate for you lah whether how much you can spare for these and that


not really, but there are those financial advisor will ask you to put aside, a small amount of money then it's for your long term planning next time


good for the kids good for you when you're old then they say it's good for you also lah for insurance and then for savings and then it's kind some kind of investment lah I think, if not you won't save one that one is a long term thing every month you must put a certain amount or those


ya eh do you go anywhere to earn extra income


but in our life in in our lives we can do part time you know actually, you know some sometimes you can ask people any jobs for us we can help them do


there are certain platform will help you look look for part time jobs you know


oh ya ya ya, correct right but but but what, how did you spend your money more on which one more on your food or your housing or savings ah uh you phone ah


part three negative experiences


ya when I was about, fourteen years old I was trapped in a lift with a crying baby, actually I'm not afraid of anything you know I'm not, helpless you know but because of the baby crying ah it make me so helpless because I can't help the baby and the lift door cannot open I


I press the bell nobody respond so all panic already ah, me and the baby trapped in the lift actually it I won't be helpless if it's myself alone right but when the baby cry it will makes you more stress


and then you want to press the button or not going to force the lift opened but, but you must take care of the child also so sad but in the end ah uh someone managed to fly open the lift door, then we managed to get out


oh that one that one was very scary, , that's was the most helpless thing I can do if if you are alone is okay but if with a child ah


any experiences


no but if we're helpless with the crying baby I don't think you can do anything, the baby don't stop crying


then is there any ha sorry, my husband lah, then when when we're when we're quarrelling over we are fighting ah he likes to use vulgarism which we don't like lah


so this is the thing that we want to forget, if you don't use you you speak okay ah that's normal like okay it's like what is wrong what is right you just, ask properly can already they are too violent ah they want to use vulgarism up to them


that's the only thing that I need to forget


!whoa! that is so sad, ya after friends with her for so long


correct actually should sit down and talk to each other ah what is happening I'm not saying the that that, yeah it's the same thing I don't like to hear and I don't I don't use those also


any sad any any sad moments with you or not, any sad moment oh


oh, you missing her also


my mother in law passed away also same thing so when they're older the the part the this is this is like, err that is life lah I say I can consider when you're old you will die someday but it's good to have uh friends or relative next to the person passing away


ya when they are alive ya correct


that is why I always tell my daughter when you can spend time please spend time with your grandpa grandma you won't know how long you will be with them, , so sad if you go if they are gone and then like my daughter now still miss her


my mother-in-law because she when she's young my mother-in-law is very close to her, so when she passed on then my my daughter still think of her and then also she still have a photo in her phone


but she she did uh care for her and talk to her and chat with her so it is something that she okay she she enjoy lah she keep her time with her mother my my mother-in-law


so there's not a missing moment


do you have anything, (hmm), uh do you have a time when you feel that nothing you do is good enough, everything you do is good or no good not good enough


no it's it's it's is the effort that you have put in but you don't get the results, you know for my exam time, when I study very hard right, and I, I still don't get my results so I'm very sad, I, try very hard and then I never get a good result


tried very hard already still not good enough, the result don't show so sad


no it's never so I have to try harder and harder until I, passed ya right right right do you have any, sad moments with the any sad things that you, you have experienced before


nobody cares about you, you know I have this experience you know, it's my daughter who says that okay there's a school concert right, then uh, she don't want me to join her school concert


because it's far more for the schools and friends then she said, I got a free ticket you know actually but she said I don't want you to go can or not asked me not to go I'm so sad you know I say how, can I want to see your your your class team uh members students all performing mah


I was asked her is it I'm not good enough to be with with with you or what so I was so sad and then I tell her said when she comes back from the concert right I told her said I have a very sad sad story to tell you, ya the sad story is like you are growing up now and you don't want your mother with me with her


ya I felt abandoned yes correct I told her so, when you are young you are always with me right everywhere you wanted me to go I go, and then every everywhere I bring you also I bring you go also right, then, at at this age now ah when she's like sixteen or eighteen years old said no need no need you don't need to go with me anymore


no it it


I care more for my daughter so I was thinking my daughter must care about me but when she don't care about me I feel so sad


yeah right, you know my daughter if my health is not doing good if I don't take care of my health my daughter have to, take care of me when I'm older so another health thing is more important


!wah! then your expenses will go up you know, oh ya then you will have uh


lesser money to spend on certain things


my daughter lor I told her about the sad sad story lor, , yeah that's the only sad things that I can recalled, I, don't really like sad things I try to be try not to think too much ah


ah so you feel very sad, ya then you make me make you more sad


lost only my mother-in-law lor that's the only lost so I I'll try to be good to my mother and my, father now, so I must take care of them so I don't feel so lost, but but if, is there anything that you wish to change but will never be able to


their relationship cannot go any better


oh dear that's very sad, but mine is like, I'm telling my husband not to smoke too much not to drink too much because it will affect his health


you know you don't take care of your health now he continue to drink and smoke, sooner or later he'll say bye bye first right, so he can't they can't quit if they can quit will be better


yeah smoking and drinking, ya I need to change that only if he can stay healthier uh be better, I will try and I'm still trying


, I'll try my best eh are you stressed in work or not lah what, are you stressed in anything


me too, yeah me too I'm very stressed then when I'm stressed I have gastric and that gastric is is !aiyo! I have to take pills to reduce my gastric pain, that is very bad I, try not to stress too much but sometimes cannot be helped because of our work


there was once when my superior told me off and I was stressed out because my dad was in hospital, and then when when she told me off I cannot control my


uh temperamental so I started to cry you know, !wah! my superior so so scared you know she say uh you don't go out you cry first after that then you go out because uh she's afraid that, she thinks uh the the colleagues otherwise may think that I she bullied me but I was telling her I said it's not her fault she never bully me it's just that I'm very stressed because my dad in hospital and then


and my mom also not feeling well and then now she's telling me this and that I'm not doing a good job !wah! that one really you know it's really stressed out ah that one, ya so the one I will bloated up and then I start crying and release my stress


my phobia ah height lor, not, I cannot go too high you know when I go high floor or go to merry go round those those kind of a very string swing ah to sit swing there !wah! I cannot lah, height now I get phobia in the height now ya so I I can't ah


don't go high places [orh], oh !wow! yeah, no you go yourself


no our heart is too weak we cannot do it, we cannot overcome it no


oh I haven't try you know the china long beach long long bridge and the the height there ah oh dear I haven't try haven't try, ya I know I know I know I will try I will let you know whether have fear


I, I think I'll still have that fear there because of the height, ever experience something that you you you are unable to help


luckily you got the correct so far, not nothing happening that I cannot help, if I can I will help so far haven't happened to me yet


greatest fear don't have, but when you watch a movie the fear is not there, but it's the anger is there, so when you watch a movie then it make you too angry to watch right have you experienced that before


no it make me angry, then I don't want to watch already, do you come across in drama that you watched that you see you so angry that you don't want to watch is when the character do something that very bad bad to their yeah they they behave badly in all those ah


and then they they the it's it's very lengthy ah that kind of show ah I'll be very angry what's the point of them dragging dragging dragging you know where you can solve the problem immediately you know so, very frustrated you know, ya I, I very frustrated said I don't want to watch already ah off it


yeah because they just want to prolong the timing and then they the show just do an extension then it just make it more, angrier to watch the movie already I don't want to watch


you ever experience the the lizard drop tail or not, very very slimy like that you know


no the lizard drop tail we I have to always uh cover my ears, because yeah, the the lizard tail will jump inside my ear, that's what, the older generation will tell you lah


it seem it seem it's true you know then, everybody covering, tear lah nobody want to catch the tear then how scary you know the, my everywhere everywhere there's scary things


uh you need to conquer it lor we have conquer it try not to fear too much ah


normally it's like love story [lor], love and hate story


part two positive experiences, oh yes uh #mei ching# I need to check with you ah


where is this the things that you may have experience unexpected, it's kind of moment or things turn out better than expected, do you have any experience on that


!wow! then shouldn't have say that you should ask them what are you offering, I will take I will take I will take what you offer, that's what I'll do lah, when I go for job interview because I cannot judge how much you want to pay me I say my salary I don't know what kind of jobs you want to give me so I'll tell them


I don't know what you're expecting me to do so you just tell me how much you can offer whether I can take it or not, if they offer me okay reasonable, no like you say now they offer you higher, so it's better for them to go and say out their plan than you go and ask them I want so much what if now say I'm giving you more


okay some are good enough they'll say I'm giving you more, so now you want to accept this job or not then you say yes, ya but not not all employer are so good what some they say okay since you wanted this amount I can give you I can offer you


they don't they don't say they're actually they're wanted to give you so much, so two ways to it lor now, expected ah, !huh! my girl's chinese result


I thought her chinese will failed in the O level you know what she got distinction you know in her oral so surprised eh, you know they are just chinese potato right, they they their chinese is very bad so I don't I don't know I was thinking how she passed her oral when she don't speak good chinese


no ya lah got tuition but the tuition also is just a continuous to just let her have some (ppc) teacher to teach her, better chinese [orh], and then her O level result also better she got a B three for her chinese so I never expect her to get a B three you know I was telling her if you got a C is good enough


so she's getting a better result, I think more is my daughter saying more nicest thing to me than my husband


!ow! she says okay close by she likes it food cooked she loves it, I cooked what she likes


so she keep she would likes eating it, what about yourself, anybody praised you for anything, anybody say anything nice to you


I also can do that , sure anything can come to me if I can help I will help, , any happiest moment that you have


oh that's good, you keep yourself up to date, no I never I never make any promises to my parents, I just do what I can


then the the only happiest moment is when I gave birth to my daughter, , when you when you see the baby !wahseh! you love it man your daughter come out and then yours is your son right


so you, so you prefer !huh!, ya that is the happiest already, , so are you going to get a second one


then to be the second happiest again ah, ya don't worry so much ah


I'm always grateful to what I have


!wow! that is very good and you enjoy the food there right, yeah I know I went with my daughter also two years ago with her friends


ya, parks and uh night, night market ya the food is different from us, , the food are okay not that I enjoyed them I still prefer singapore food


you, know that oyster omelette is totally different you know, correct I still prefer the singapore style


I think they are, they're a bit on the sweet side, ah nope I don't like sweet I like more saltish saltish


how to go out with you travelling next time you like sweet I like saltish, ya maybe so , I also travel with my family also lah few times only not too much


the, oh when I travelled with my husband and my girl to Beijing, the weather was cold I didn't get to see snow, unexpected ya, it was very cold you know


then at night then I think a bit of snow, , the part the best is the snow thing you never see snow before, , then my girl (hmm)


to have my daughter lor , , my daughter help helps me a lot you know a lot of, things, , she is good to have around the house then next time she can cook for me also


so you are more on a family and a friend type, but I'm closer to my girl more than my husband you know


my husband travel too much


ya lor ya lah that's why they have to earn more money to to feed us mah, !hey! eh check with you do you have anything that you hate when your are kid, and then when you grow up and you love it you love the thing already do you have anything like that


no all along all along when through my years youngest day until now I still love food


you know it seems funny you know when you're young you don't touch liquor right you you're under age right you cannot drink right so you'll never liked that that drink either liquor wine or beer but when you grow up as an adult, that one is like a luxury like that


when you can drink beer and wine with your friends and chit chat with them , no, no I enjoy drinking although I never get a habit of smoking lah that one no good no no no


as a kid you hate it also ya you hate it also when you're a kid and adult we also hate it, never liked it, so it's only liquor that is yeah, so he's only (hmm), yeah sometimes you can keep yourself


so uh sober think of something, relax drink wine and it's good and also a bit of healthy also it's healthy, (hmm), what's your best birthday present you received, did you receive any birthday present


!wow! all paid for ah, so every year your birthday present is your trip to somewhere


I never received presents from anybody not even my, parents


my husband also no say flowers you want ah, pick from the road side, no I'll buy my own present or worst I'll buy my own cake also, you'll buy for me ah next year


!wow! then, , then I will be a happiest already, I don't have to buy my own cake, oh dear I thought that's the happiest already to me I'll take leave, I don't have to go and work


can send to my house, then you all come to my house and have a party you know okay what is the best food that you like ah, any food that you like now


what food will cheer you up if you are you are not in the mood what kind of food will cheer you up, !wow! sweet things again


it seems that it will swing your mood also you know, it will swing your mood I heard, I like barbecue food


it will cheer me up because it's hot, and it's uh the barbecue also hot, but it's nice, it doesn't keep me cool lah it'll keep me hot lah but it still a comfort food for me


especially my tummy, you know why my daughter likes to sleep on my tummy when she's young, it is is like a pillow to her you know, what about yourself


, which part you love your most, !aiya! don't say about your character can or not, I don't like I don't like your character,


okay that's good you are strong enough (hmm), oh my dance my dancing oh I look up to my dancing teacher you know the lion dance I'm joining now every week the teacher is about sixty to seventy years old and she still dance so nicely you know they can dance with good steps and hips moving you know


but for us ah we have to take a long time to do to reach there, yeah yup


the way she dance is nice, ya lor what about yourself


ah okay


what would , what will you look out forward to when the pandemic ends ah what you want to do, , no I want to have a gathering with my families, because now they have restriction no they have restriction they cannot have more than ten


ten or twenty in a restaurant, they only allow five, no we prefer to dine out then we have a good dinner, then we have a chat time


ah okay maybe can consider that, (hmm), ya lor


oh it's the food that I cooked that they enjoy lah, , the eh the ya, they finished all the food on the table, they're they really appreciate what you do for them


!whoa! yes can look out for, tell your boss direct that you want an increment and a huge one, because you are doing a good job tell him yourself


must be the boss who knows ah


ah I see, , eh when you go out with your friends ah do they joke anything, any funny jokes that they give to you and then you just laugh forever I need some laughter to me eh, cause I don't I don't really


uh anybody telling me any jokes and I'll laughed the whole day do you have any joke that you can crack on your friends


my fond memories is is with my with my daughter, yes I spend more time with her


as and when she she now she still with me when she grow up already that's another story, ya that that will I will tell you that later


oh yeah with your parents especially is now you're in singapore and they're they're in, family time is very precious


part one financial related topic


hi felicia how are you


oh okay, then do you have any, credit card or debit card


my saving account is more to uh like a, , salary wise because my company is using the, transfer, they used to transfer it to my UOB account


so you do have credit card and debit card, of credit card and debit card you are using


I'm using credit card for all those online purchases, ya, and I do have rebate from the, credit card so ya the perks is better than debit card err maybe sometimes uh


uh there is some promotion promoters, are are, telling you uh there is at uh which benefit then maybe I will try to apply, err ya, some are giving more rebates


ya and some, giving more mileage or points, okay , it's a preference lah if you are traveling then the mileage will be better choice


for the extra funds which is I'm not going to use it then I will save it as a fixed deposit in a bank


how how about you uh the interest rate uh because, last year it's having better interest rate and recently one of my fixed deposit is going to due soon but when I


uh search it online, now, currently the interest rate is not so, I think the most they are giving like, one percent per annum not not as much as previously uh


of course earn a little bit of interest will be better than you save it at home and you earn nothing right, so do you have any loan from the bank


from which bank that you're getting the loan from, oh OCBC


do you make any comparison with other bank


how about your house loan where do you get your house loan from


yeah because uh I learned from my friends, that sometime, bank loan is uh lower interest compared to HDB loan


uh no not at the moment, because I don't have any uh cars or, home at the moment so maybe in future


uh no I don't have, because I think , I should have more privacy with my financial then, we are both financially independent


yeah because err I think it's easier for them to uh, uh get it uh paying like, ya the kids stuff if their bill their their err, in a family then if the kids is in school tuition fee everything they can fork out from the


uh uh joint account as my situation here my, kids is in malaysia so, uh we don't have uh much uh, expenditure over here yeah


to me now my kid is with, tin, I he he yet to own any ATM card, because uh, I don't think it's a suitable time, for that I think, in my opinion the, best age is uh like seventeen when they are in high school where they have more


personal life and then most, school make they have to do uh like maybe meeting their friends for project or anything outside from the house ah so they need, some of uh I mean ya


uh so it's easier if they own the ATM


okay that means you will you will, transfer money to her account and she will, withdraw it from the ATM


so which bank she's using


easier for conveniences, ya I see, so if you you prefer more your credit


to me I prefer cashback too because when they, cashback the , I can do whatever I want ah I don't need to uh more flexibility than, it's not like the points or miles uh limited, for the exchange of the gifts and the uh


like the mileage point, ya that's why it is, ya, it don't offer so much plan


who likes travelling they will prefer miles, because uh some credit card, card they offer , a lot of uh owners which is, uh (ugh), they multiply like err five times from the spending that yes


spend spending compare to cashback because, cashback normally is very low, it's like zero point five


I mean insurance that you purchase from bank


I mean it's a special product for the insurance from bank, say like uh it's like for personal accident insurance or


yeah but do you buy any insurance from the bank, err nope I don't have to


but uh, uh I'm wondering whether is it is it the same, with the normal, insurance company that, offering the same


so more convenience if there is an agent to help you with the those uh claim or or the payment


not recently actually pre, the fixed deposit that, going to due soon right, uh they're offering me one, point nine five, percent per annum of interest so


for a a year, ya, so it's from ICBC, so to me it's like, a a very high yield of, interest from the bank err not at the moment because I


I did research uh from the internet, uh it's like just offering from the same bank they are only offering like zero point five percent


ya how about your experience with the bank, ya fixed deposit interest


ya if you have a big windfall, what would you do with this with, no if you have a very big windfall what would you do with this windfall do you prefer to use cash, or cashless when, paying for goods and services


okay


but actually now we are , more using on the those going cashless when we are paying for goods and services right , or you prefer using cash


which platform that you're using


okay because I'm using the platform too uh one of them is the SINGTEL DASH, which is ya and, and uh most likely uh I'm using PAYNOW, and


it's linked to my bank account it's easier for that


yeah do you have a habit of saving


so that it meet meets your saving goals right, sometimes I will try to look online whether is there any uh


freelance or part time if I can uh make extra income


must be chances that you meet someone that they need your services then only you can off, ya but mostly is those uh restaurant


uh servers, or those uh uh, runners they are helping people to distribute flyers this is what mostly I see from the platform ya which is I don't think it's suitable for me


it's more on food actually, food and, groceries because this is uh (ugh)


normally I will spend uh when I when, I'm meeting my friend, friends or or my colleagues, then we will spend more on food we will go for food enjoying the food and a chit chat over there okay


three negative experiences, have you encounter uh anytime that you felt


so there is only one one baby with and you in trapped in the lift


I always find a way out, when you feel helpless just find a way out


maybe just, any hurtful things that you heard from someone


one that you wish to forget


once when during my teenagers time, uh my friends and I have a, misunderstanding and then one of them, and tell me that our friendship ends here, oh that breaks my heart, ya ya that's why then


later when we , talk about it then the misunderstanding was solved, then though, ya though it's was mended, but , I still wish that it never happened


it's it's it's a bad experience actually, ya it's very hurtful ya, just, just like your husband telling you vulgarities


the passing of my grandmother, which is I didn't get to see her


for quite a while, because that that, that time I was working in singapore so, I seldom make my trip back to my hometown, so when she, passed away and I was not around ya ya


so I didn't get to spend a lot of time


uh we have to spend more time, uh for those that we love yeah yeah we have to appreciate that, we, are still together then we can spend


memorable times that they spend together


I usually will do when I feel the thing that I'm doing is not good enough I will just put more effort and then


then you try harder, then you try harder, okay, ya that's why is


but it's not the end of the world right , ya, just put more effort then you will get it


so you felt abandoned


at my moment now my kids are still young, and I have quite, a lot of friends so I don't feel, I don't feel that nobody cares about me yet


up to you your daughter is your everything, you often worry about what


true ah, at my age now my financial will be the, things that I'll worry much yeah because I'm trying to have, have a better future like , going planning to own a house


uh so that I can uh have, a more stable life stable place to stay, and I ya that's why I'm trying to save now


so that maybe hopefully two years later I can get my own HDB


something that you have to give and take ah, you get something then you have to give up something right, saddest moment of your life


oh that's the thing okay


around eight years old, my parents first time uh, quarrel in front of me and my siblings, ya that's the first time ya and then from that day onwards then


uh their relationship started to be uh, not in a good condition, ya so that's why that's the saddest moment yeah so you gone through any loss in your life


you gone through any loss in your life


they will be in a better condition, so that because now their, even they're separated, I don't think so because they have a very different character


and they cannot get along, and we as daughter, in between them is hard for us to make any decisions or, like , ya it like we are having family gathering, so either you ask your mom out or you ask your dad out


ya so it's not in a complete family outing actually


yeah yeah, smoking is actually, not good for your health, and ya


that's the thing that you wish to change ah, you still able to change it, ya okay


when there is a, tight timeline, in my work ya because you have to rush for it and then maybe your boss will chase you over it and keep on calling calling yeah


ya it will stressed you out ya true, eh do you have any phobias


how you you overcome it, oh we have the same phobias actually, yeah I'm afraid of height too when my son, go for all those roller coaster right I'm be out of that


I, I I will tell him you can go with your dad, you know I'm telling him him that he he can go with with my husband and enjoy the ride without me, ah ya ya because it's the phobia that you cannot overcome


ya but if crossing like, bridge or anything can you make it, if like crossing a a a bridge which is the, the cliff


the bridge hanging, uh, ya ya, ya those, those uh hanging uh uh on the mountain cliffs ya


ya true maybe you you just close your eyes then just walk over


there's always , things that we cannot help, like once my mother felt sick uh she fell sick then went to hospital for check-up and


because she can't drive so in malaysia, uh the transportation is not so accessible, so she need to find someone, to fetch her and I was not around actually and I couldn't help her ya


I couldn't help her I couldn't get her a car or anything that, can fetch her over so will be easier for her, yeah how about you


so anything that you are fear


drama and movie don't make me fear


the most fearful thing is lizard, in my life ya I am, so afraid of the lizard, when I see them, no I experienced the lizard


drop off from the ceiling to my leg so ya that's ya that's my, most fearful time


oh you're afraid that the the the tail will will will, ya that's, ya this is the older generation the those elderly will will tell you all this


part two positive experiences


uh few years back I went for an interview then err, uh, I was offered with a salary which is higher than what I've asked, from the interviewer because normally when we go for interview they will ask for your expected salary


then uh yeah I make them an uh uh I've wrote them my expected salaries, something then that, actually they offer me back which is something much more than what I


what if they offer lower


of course there is people offering you more you won't reject right


you sent her to tuition


so this is, unexpected yes have you encounter anything nice that someone has, ever told you


an example what have she told you that you feel that is nicest thing that you ever heard


nicest thing, the nicest thing that I ever heard is , uh my friend told me that uh she will be there for me anytime any


where a any situation then she will be there to support me, no matter what happens ah, are you sure


uh fulfil my promise to my mom and then I graduated from my studies which is I, I didn't get a chance to do it when during my young times when I should study so, after I worked then


ya after I work then I go for my part time studies then I, I still graduate from my further studies, then ya that makes me, ya and then that's my promise to my mom so I didn't let her down


some very happy moment, when you feel baby there, (mmhmm) when you see the baby you will


feels ya, the joyful, you can be happy everyday actually


just just to, just to be grateful then you will have happy moment every day, any, yup yup I I have


memorable travel experiences actually, err, the most recent is uh last year december I went to taiwan with my, husband and my son and


we went to taiwan we travel, uh nearly half of taiwan, ya the ya the weather is ya the weather is, cold and the beautiful scenery


and , the night market food is amazing


what food that you enjoy the most over there


yeah it's totally different the way that they are cooking is different, ah actually maybe we still do, the taste bud is different from uh, like taiwanese and singaporean


agreed agreed because, I like sweet food so uh kind of uh my taste


which is the most memorable travel experience


in your life right, what is the thankful, uh what is the most thankful thing that you you you you think you will


friends around me is the most thankful thing that, uh I want to, ya should be, because, ya yoga is for family also


maybe you spend more time with your girls, that's why, ya closer to her


he travel to earn for family


ya when I was young I hate food I don't like eating, and when, when there is a like uh my meal time I'll be like uh uh so sad that I'm going to eat food again and then when I grow older this is the thing that I love the most food


whenever I travel, oh okay so anything, for you that you hate as kid


ah yeah, oh, so you enjoy, enjoy alcohol hol


an opposite of me, it's not my liking alcoholic drinks


every year I receive birthday present but once I received , uh best birthday present, ah which is a birthday trip to Bangkok, where I get to enjoy, uh


the food and a massage over there and eggs, yeah, traveling also my hobby actually so this is a very good uh birthday present that suits my uh liking


nope err, I think there will be some difference different uh birthday present that I get, from , different people


next year next year you will be getting it, next year I'll buy a cake for you, my promised so


so you have to come to work, so you don't take uh you don't take leave during your birthday, to make sure you get your birthday birthday cake, let


let me think about it, all those chinese food


ya of course, of course food which you


it will helps your body to release endorphins in your brain , then this will cheer you up, yes uh, so how about you when you are, not in a good mood what will you get


what do you love most about yourself


so what do you, who to your life


ah because I think maybe they are practising since young so, you just you just learned it recently right, so you haven't get the catch of the, hips moving yet


ya maybe two more years you will be doing great also, ya she is a very caring person


and , she love us a lot and this is, what uh, I do looked at her a lot, and I hope I will be a great mom as


you can visit them at home and do a small gathering at home, now there's a lot of food delivery maybe you can, think of having food delivery to your mother's house


so that you all able to have a small gathering, ya and then what do you appreciate, when is the time when you got appreciate for your hard work any any occasion that you feel that people appreciate your hard work and then you get some return


so you see their happy face, that was a great feeling


, getting recognised by my boss that I'm doing a great job and then give me a huge increment, !aiya! looking out


, a good job doesn't determine by yourself right, should should be determined, ya


if you are telling him or her


not really because I'm not good at joking, I'm not a funny person too, maybe maybe you can share me most, we will share our memory, with our loved ones, uh


ya so, everything is with your daughter right, I think most of your, yeah, so your daughter is everything to you


all the times that I spend with my family is a fond memory, uh ya, ya so I miss those days that we spend time together outing err having dinner


(ugh) (ppb) together


oh uh financial related topic


uh yes I have uh I have a, autosave account so it is uh like something like a saving and a current account at the same time


okay because last time we used to issue cheques that was many years ago so err we used to have like one saving account and one current account but uh later they just merge into one so it's autosave err you can you can issue you don't have to issue cheque now but


during those time we issue cheques so uh you you'll have interest in your saving account but the current account there'll be no interest, so when you're not issuing cheque they will transfer all the money to your saving account, well when you issue cheque they'll just transfer the amount into your credit card uh to your


uh uh issuing cheque issuing account, so #xiao en# do you have a credit card or a debit card


so can you apply for a credit card uh now, uh


okay so when you travel do you you can you use a debit card also it's the same function as a credit card except that you you have money in you can't you can't oh debit card you can't use for travelling oh okay cause uh


some I think some debit card they do have the master or visa logo in it right so I think if you have those master Visa you still can use when you're overseas you know


[orh] because nowadays ah when when I open bank account they will give you a debit card even though I told them uh I don't need one so they say it's okay it's free you know they just give it to me and err in it there is uh the Mastercard logo, uh they say that I can use it when I'm overseas as long as there's a Visa or Mastercard logo I can use it the only difference is maybe credit card you spend uh


although you don't have the money in the bank account whereas debit card you already have the money in the account but overseas you still can use it that's what I understand lah ya, ya ya when you start working lah


okay I think this question uh sometimes it depends on your age ah when you're young lah I think for you lah I don't know about you but when you're young you think differently from your parents lah , like like for me lah maybe I'm your parents' age ah so err I feel more safe with my money in a bank


uh because investment there's always risks involved so at this at my age I don't want to take too much risk I rather uh ya the interest rate is low uh is uh is not as good as investment but is is it feel more safe in a bank lah


what what about you uh are you investing or you think you want it to be in the bank


okay so so when you say this invest that means there's a risk ah it it is it possible that you will like whatever you put in you put in five hundred then it may become lesser than five hundred is there a risk


oh you mean you have to uh like put in money for them to invest regularly or as and when you have the money


as is a is a is a singapore, is a oh okay okay very very good , ya, okay cause I I saw recently I don't know there's a advertisement that says they pay don't know how uh two over percent interest but I'm not sure whether it it again it say it's not a fixed deposit it says uh is something to do with insurance but yet they say they guarantee two point five percent so I'm not sure whether this is is a investment or not


okay so uh #xiao en# do you have any experience of getting a loan a student loan or what, okay very good ya okay


uh for me when I bought uh my house of course uh uh I need a HDB loan so the loan is from HDB and uh for HDB loan is not difficult to get lah because you have a house uh they will easily arrange for you uh and err I also have a car loan


so car loan usually it's like you pay thirty percent down uh down payment the rest uh the finance company will arrange for you lah


actually they want you to get a loan even if you have uh if you if you if you if you want to go and buy a a car which cost hundred thousand you say I have a hundred thousand I want to pay you hundred thousand they say no this hundred thousand is you have to get a loan from us if you want to pay in full they they even have to sell you higher


ya because because they they earn from the interest they will recommend you to the bank or finance company and the finance company will give the car dealer some commission so they would want you to take a loan ya ya


ya that's when I I I I I I go to buy a car then they tell me I say oh I have I have, this you know uh amount say oh of course new car and old car is different lah uh but because uh they old car you buy uh second hand car you buy directly from a buyer so the the buyer already you know think how much they want to sell already whereas a new car uh it because it's so competitive


so they they say okay you can get this car at this price but then may they may earn very little from the car but if they recommend you to a finance company or to the bank the bank may give them uh one thousand dollars for recommendation that kind of thing lah, I think lah ah ya okay


ya, err okay me and my husband we combine our finance err we have a joint account but not every couple not every couple will do the same thing I I have many friends they they they think differently from me lah


but I felt that err me and my husband both agree that uh we should have a joint account and uh combine our finance together whatever we buy especially big things all this uh, so and also we also think that if anything happened to one of us you know so somebody the other party will know will be easier to to to combine all our finance together lah


so so for my case is uh we we all have a joint account err so everything that uh we want to purchase or uh anything that we spend it it's always from the that account lah so so like like DBS account we have two ATM card


my husband got one card I have one card so if we go out and and and and eat or whatever we just uh uh uh just whoever pay also the same is from the same account, ya so uh but


oh but we we also have our personal account which we we we may have a lesser amount of saving lah lower amount of saving let's say like uh a few thousand just you know


uh uh it it's in another bank you know maybe there's another bank that we have so you just put a little bit of uh money there lah but not a lot lah but uh most of our in a joint account


ya I I know of some couples they like say they contribute uh let's say okay I contribute one thousand every month into this account and uh my husband earn more maybe he contribute a thousand five into this joint account then whatever we spend all all all all comes from the joint account ya


so what do you think at what age should the child be given a ATM card and manage their own bank account


, okay cause now uh I think also because of cashless, uh a lot of things that you you you need a ATM card I think it it makes sense that uh a child like maybe twelve years old thirteen years old uh they can have their own card lah to do whatever their purchases or or you know even if not not we're not talking about taking a lot of money out just buying small things you need a ATM card nowadays


[orh] okay ya, so I guess uh uh you just now you mentioned that you don't have a credit card right, so uh but uh for me I have a credit card I I I like credit card I actually I have a a few credit card from different banks because I like err their the bank that gives out like points or cashback certain certain cards got certain discounts so I prefer I prefer I I don't like miles


because miles uh you only use it travelling, and err ya and then travelling there's a lot of restriction, the I I never managed to achieve the number of miles required but cashback is more practical so even if you you I have only ten dollars cashback at the end of the day is it I mean the ten dollars still can be use right and points also not too bad sometimes I exchange for voucher


you know sometimes I exchange for like err uh those what, uh restaurant voucher F&B voucher still can use but miles uh I I never I have never able to achieve the minimum amount of miles to fly, ya ya ya that's right that's right ya


uh


ya, so do you have any experience of purchasing insurance products


okay ya I just uh recently purchased a, no not exactly insurance products uh nowadays they will tell you that uh is a saving but it comes with some insurance, uh as well uh when when when when I'm in the bank when I will try to renew my fixed deposit they will always encourage me they will tell me that uh fixed deposit now the interest is very low uh so uh we have a product that you can uh you can earn slightly higher err interest at the same time there are insurance


err, in it so at least you know if you put your hundred thousand in the bank you only have hundred thousand but if you buy this uh with insurance you know if if if anything happen to you you get hundred thousand or or hundred and ten thousand that kind so you know they they they try to sell you uh uh not completely


insurance but with insurance element in them


so you you have you have ya you have uh purchase any insurance you have not purchase any insurance from the bank but you have have you ever purchase any insurance from like outside


okay ya so


so you you say that your parents bought some insurance for you do you know what type of insurance they buy, ya actually not not only you don't know even I purchase myself I also don't know,


but okay lah I think there are some, endowment plans all this that I I bought over the years that means is more like a saving, okay it's like uh AIA endowment plan I think I recently bought a AIA endowment plan where I just pay for five years uh every every year I just put in some money as a saving but at the same time there's some insurance but


uh after five years I can I have to just wait lah wait until like maybe another five years total ten years later err then I I will have a so so called retirement fund ah, so I think somethings like uh something this is called an endowment plan ya


okay ya I actually I start to buy insurance about twenty six or twenty seven years old, ya because when I start to work so people will come and approach you know okay now you have you have started working you have to start to think about saving as well as protection so you know uh so ya at the age of twenty six I started to buy some some insurance I also have some uh


investment linked policy that means like every month you you pay a certain amount and then they will invest for you but uh at the same time there's in uh uh insurance involved, okay so when just now you you talk about you buying uh uh uh uh investment plan right but there there's no in uh insurance involved


right there's no insurance involved but whereas uh the investment plan the investment linked policy uh have a insurance plan involve which I like because uh even if I don't make money, even if I don't make money from uh the insurance I still have an insurance uh let's say if I I met with an accident or


or you know I I there's uh something mishap happened to me although my my investment doesn't make money uh I have a minimum guaranteed sum lah ya ya so that's why I buy some insurance uh investment product


, so do you know that err uh because you're very I I because you're twenty something only right uh uh you're still uh ya ya so you you don't have all these MediShield life all this right uh


but today there's a a article I think there's a, I can't remember the name MediShield it is something like MediShield it includes people of younger age you know from the age thirty to forty, it


it used to be it used to be it like forty and above then we have this uh MediShield ya MediShield but today as of today uh not today as of first of september there's another kind of uh insurance plan uh the government uh uh uh just introduce is for people aged thirty to forty


okay so do you know anything about term insurance do you know what is term insurance, okay, uh term insurance ah is like uh like accident accident plan accident insurance that means


you pay like let's say according to your age and how much you want to buy lah okay let's say every month you pay hundred dollars uh you're protected uh for hundred thousand but, at the end of the term let's say you buy twenty years twenty years later if nothing happened to you you also won't get back anything it's not like other investment or insurance where uh at the end of the uh term you still get back what you put in


you know like like if you you're buying a whole life insurance every month you you you contribute something but at the end of like twenty five years you'll get a lump sum but term insurance you will not get back anything because it's just uh uh a higher uh coverage something like that lah ya


negative experiences


I think I recall was my uh my auntie she had cancer but that was like maybe twenty years ago lah she had cancer and then she had to go through chemo, and uh then after that her personality change she began like to talk nonsense she uh not aware of what's happening and she can like see see visions see things that's happening which we cannot see


so is very sad cause we're quite close to her so she's a she's quite a she's a a civil servant she's quite intelligent and you know all of a sudden she had cancer so so the whole like one or, two years things change very very fast so it is very sad to see


you know uh her changes lah ya what about you do you have any experience


okay for me when my like my father my father actually was uh it was a stroke patient, but he is still able to uh do a lot of things but then suddenly he like err had to be admitted to hospital and uh there's many things I want to do for him but there's nothing I could do for him


cause uh I thought I can take care of him I thought I can give him physio but it's not easy to do so when I tried to do things for him I I can't so I I feel quite bad lah that uh that's although I really love him I really want to do something for him but yet


whatever I did is not enough lah not good enough


okay every time like if there's a time where uh I quarrel with uh either my husband or I quarrel with my uh family members or brothers and sisters or sometimes with friends know sometimes we're upset you know so you know that kind of


period will be will be a time where I think that !haiya! nobody cares about me ah I'm alone you know uh uh I'm so sad nobody understand me you know uh those those are the times ah I mean there there are times where you you, things like !wah! not doing your ways !aiya! why this nobody cares about me I'm the only person you know uh doing all this thing for them and yet they they don't care you know and and makes me feel very sad lah


so what do you often worry about


okay for me because sometimes as as we age ah I see people friends all this they, err they have sickness they have uh cancer they have a different kind of uh you know sickness or pass away so uh sometimes I will worry that uh would I be healthy uh uh what will happen to me if I grow older you know or for my husband okay uh


are we going to be healthy so what if we uh one of us is down one of us have uh some sickness you know what's going to happen you know err this kind of thing lah although it's no good to worry but, I think as we age there's this kind of things start to worry


but of course when I'm younger I will worry that about jobs about uh finance know but now we are older we'll worry about our health so every every time I I I mean I try not to worry I tell myself see we we you know we have been through so many things so many hard time where you know err


financially we're not well but yet now we're okay you know err job wise that time we have to struggle but now you know it it's not a a not a problem at all so now we start to worry about health so it it never happen but then yet we want to worry so I keep telling myself you know ya don't think so much ah don't worry so much ah


[orh], ya so at different stage of life at different age I think we we we worry about different things ah but worry is something like err you know it's it's negative and it's not good for our health


we we always tell ourself uh we always me and my husband always say, worry itself is negative is uh uh releasing poison into our body so why do we want to worry especially when we're worrying about our own health so worry will will not make our health better will only uh worsen you know so try not to worry lah try not to think so much lah you know if it uh just try to keep ourselves healthy


ya ya I mean it's not going to happen but yet we worry that it's going to happen


saddest moment ah , err, kay maybe because err my husband is quite a err, risk taker so he likes to take risk especially in business that's why we can open cafe we can do certain business all this so sometimes the thing err I mean in youngest days in during the his youngest days uh so he


he he started some business and then we get ourself into financial difficulties so there are times where uh I'm very sad because uh maybe you know the for the mistake we made maybe err like I caused my uh parents to worry about me uh cause people to come uh you know


need their help ah need people to help us because financially you know when when our business fail people, err friends lah friends and relatives got to help us so I'm very sad you know so those are the time where I feel that uh if I if I don't make all this mistake I won't have to you know make people help me and and get people into like


some trouble also lah sometimes lah so those are the the saddest moment of my life lah


(ppc)


okay she already put down the phone already


okay okay uh do you want me to go out and and uh okay just hold on ah ya okay ya


err again also I think there's uh not really something but maybe as I said the saddest moment is linked to the saddest moment so it's like uh if, we could change like we won't we don't get into all those uh failure those businesses uh not don't take all those risk maybe we don't have to cause so many people to be so uh sad or you know things like that lah


err yes maybe my father when my father pass away so is considered a loss so that time I was uh sad err, I mean everybody is sad but at the same time we I also felt that I we I talked to my sister we we talk you know we're all very sad we all are crying but we talked


we say that it's better to let him go because he never suffer cause he he he he he suddenly had a infection a urine infection and then was admitted and the the that night he had a stroke and then he never wake up so err it only lasted like for two three days


and err after that he never wake up and then he just passed away so we were sad but then at the same time we all we we tell ourself you know he he didn't he didn't suffer like some other people where they can be in in the hospital for years they can't you know or or or they have dementia or they they can't even have a quality of life but yet they're still alive


so I uh we we we we talk about it we we we discuss and we we say that uh, uh is actually uh uh not a suffering for him so we are very happy that he didn't suffer in this life, when he's alive we're able to treat him well we take cared of him we brought him for holidays you know and now that uh just a very short period of uh struggle uh sickness and he had to leave us we're sad but we think that it's good for him so after talking we we we we can we are able to overcome it very fast


so we all felt that my father had a good life, and uh leaving us is uh his is uh uh leaving this uh world of sickness lah


cause I'm wearing earpiece, okay I ask them to go and ya maybe my mum is okay I just


kay how about now ya, so ya so what uh what makes you stress you were saying that you


for me I told you that uh I had a cafe, so every time the when customer comes in especially is a group of people


so when when you know I prepare food and I see my customer waiting so I feel very stressful because I don't want I don't want people to wait for too long and err and I also feel that !wow! if I am so stress will be able to produce good food


you know then when I'm stress I can make mistake, so when I I don't like the feeling of people waiting for me you know it's very stressful and uh especially people looking at me making the coffee or preparing the food , so that stress me also lah ya but of course uh I mean in work sometimes uh like there are deadlines all this so I also feel stressful with all this thing lah ya


so far not really personally not really lah


I as I said I'm I'm not a risk taker, so I think that uh my biggest the biggest fear is uh if I if I if I try to achieve goals let's say material goals financial goals all this I have to take risks so if I take risk I may I may lose out certain thing so I better be contented and uh not not not to like


you know be so err uh like wanting to achieve so many things in life ya


, okay, ya so describe a time you felt trapped or helpless sorry ah I think my mum is talking ah hold on ah ya ya just hold on ah ya


ya sorry my my neighbour come and visit my mum, okay so I tell them ya so I tell them ya err ya ya I told them five more minutes ya ya


just hold on


okay so sorry err you you say something about


ya for me is uh uh once my husband was uh doing some business and then financially he he got himself into some trouble so I feel very helpless I can't help him, so those are the times where as I said he because he he he take a lot of risk in uh business doing business so sometimes I want to help him but there are times where I can't because uh it's not within financially not within my ability or uh the things that he's doing I can't help him so I felt very helpless lah


uh sometimes I feel people ill treating other people let's say let's say like like domestic helpers or uh workers you know so sometimes I feel people people are not respecting this kind of err people so I feel quite disgusted lah


so describe an event that make you very very angry


ya so for me I think uh because I travel so sometimes in overseas ah I see uh uh especially in china ah some people like uh throwing spitting throwing rubbish cutting queue uh all these things makes me quite angry lah so sometimes I will like tell them off


you know if they cut my queue or they just uh spits uh or they just throw uh tissue paper or they just you know you know no manners all these ah so it'll make me angry ya


uh they always say I don't look like my actual age , , what about you yeah what's the nicest thing someone has ever told you


so what is what was the happiest moment in your life


actually I as I said we really I can't really pinpoint exactly one happiest moment in my life so but err I I think there's many happy moment in my life uh especially time spent with family like you go for holidays all this ah


but the uh this morning I was asking my husband so I said maybe uh when I bought my first house you know when I I we we got married and get a house at least you know we have our house you know more or less we are , uh uh settle down we are able to settle down have our own home so maybe that's the happiest moment in my life lah but of course there are many times where as you say sometimes you go for holidays with your friends with your family there are times that you're


very you feel very happy about it you know ya, ya okay


so ya you you you is there any uh memorable travel experience that you want to share with me


okay when was it is it very recently or how long ago, !wah!, [orh] okay ya, uh actually I I I love to travel I also travel quite a lot but err most memorable when you're when we actually before that when I uh I was thinking ya there's so many you know memorable travel experience but when you talk about japan I want to I remember my japan experience also it was very funny


cause I I brought my parents and my auntie and my uncle they're uh quite elderly, and my auntie and my uncle they they they don't have children and they seldom travel so that was the first time they travelled with me and err we went to a this uh uh you know japan the spa right


so uh uh Onsen ya so the tour guide was telling us say err you you know if you go to you go to the Onsen you cannot wear anything must be naked, know so we're all very shy you know especially the elderly peoples !aiya! no lah I don't want to go lah you know they they all say they don't want to go then even uh because I join uh uh uh uh a tour group so everybody in the bus say no lah we don't want to go lah so shy must take off everything


so but then ah uh uh after dinner all went back then we say !aiya! we must try you know you come all the way to japan how can we don't try you know never mind lah since everybody say they don't want to go so we won't meet anybody, but then you know when we went in, the whole group were there everybody think the same thing so everybody will just eh hi you know they they eh you're here also so we feel all very Paiseh you know because we're actually naked you know okay lah then my uncle he he's uh quite elderly lah maybe sixty plus so he he tried to use a white


towel to cover uh to cover himself you know when he he walk in cause he very shy he cover then one of the uh japanese lady you know worker there !hey! then ask him to take away his towel so he was so embarrassed you know but ya ya but, no no before when when he walk when he's like from the changing room walking to the water he just you know a small piece only you know for the head one the the piece of white towel for the head so he he he covered in front of his private part know


then he walk you know then the the lady you know ask him to take away you know you know he was so shy he say !aiyo! that lady ask me to take away !aiyo! like, you know very shy ya but anyway uh we all enjoy lah so uh beside that night that we went the next morning like like five AM we're all still sleeping then my uncle also went down alone he say !wah! this time five AM nobody I'm not shy so I can you know have the whole whole whole pool to myself ya ya


so it was quite funny ah quite memorable now that you talk about japan then I remember this experience ya


so do you they do they separate like female and male


oh I didn't know they they have this I mean I I I I go to spa like jacuzzi all these lah but not Onsen ya not in singapore I didn't know [orh] so is it very expensive


okay cause I'm quite tall I'm actually uh one point eight, six okay so uh my husband is shorter than me, so but err so when we were uh when we first got together so some of our friends uh around us uh good friends ah they when they realised that we are together and they they always say that


you all are very unique they sometimes say that you're we are very unique right, uh because normally the husband are taller than the wife but for my case I'm taller you know than my husband so they they they they always say that uh you all are very unique, but you all are very uh #den dui# you know uh compatible that kind of thing so I think this is a I mean nobody will will give this kind of it's a compliment but it's quite odd right quite unique ya


, okay so you uh are you happy with this kind of compliment


(mmhmm) so is what are you thankful for is there anything that you're thankful for


ya I'm saying same too I'm I'm thankful that we are in singapore right we are born in this country thankful that err you know our government we have a we have a peaceful country uh that we are able to afford at least basic, basic things like housing you know transportation is not a problem and then I I think we we are able to travel as and when uh except now except now that the pandemic but before that I think most of us


anytime we just want to go out for short holiday we we we're able afford to because of the stability of our uh country of course and err the jobs that we have, and I'm thankful also for like I have a family I have a big family and err we're quite close so these are the things that you know make me err thankful for lah


, what do I hate ah actually I hate to like talk to stranger I hate to interact like like got uh visitors in my family I will just go to the room I didn't want to like join people and talk to people I I'm shy and negative lah uh uh not say negative


so a uh uh introvert ya more of a introvert and uh uh you know but as I grew as a adult I love to talk to people I love to interact and I can uh uh talk to stranger err, you know easily mix around ya so so you say you're the same as well


ya we we we change as time err goes ah we grow uh like like I don't like to do sales I think I'm not a good sales uh uh person when I'm young you don't push me out to go and talk, to stranger and and sell something you know I I can't talk but now as an adult I think I can


easily talk to people and and just share the product with them and I'm like selling the product to them and they !wah! where you where you buy this ah !wah! so nice ah you know I become a salesperson easily already but as a kid I tell you I don't like to, tell people about uh uh sales ah ya I feel so bad you know I ask people to buy buy things ah like like I'm selling something to a uh a stranger but now I think I can do it


so what was your best birthday present


uh for me uh I I don't really receive birthday present uh because like even if my husband buy me a birthday present I'll say !aiya! don't waste money lah


so I he he knows that I don't really like birthday present, but uh he he knows I like birthday surprise so he will give me birthday surprise like let's say okay we would like, celebrate it uh the day before we will usually go for staycation and then he'll get me a cake uh some surprise for me so uh it it's more of a surprise than the things that he buy


cause the things that he buys !aiya! you waste money on this thing I already have this why do you still you know buy me one uh uh waste money you know but then if it's a it's a it's it's a surprise birthday surprise uh, no matter how much he spend I will not grumble so it's more uh ya so so that that's different you see not a tangible present but yet it's also a birthday present ya


err, ya sometimes he will like pretend err pretend that you know he forgot he forgot the birthday uh then you know he will like uh what ah don't know are we doing anything no what normal day ah that kind then he will just book a hotel room and then the day before like


uh last year was so funny uh he book the room only one week before my birthday and then I didn't know that he book he never say so that night I have some uh appointment with, some other friends then he he go and tell the friends say eh that night ah uh he didn't know that I have a appointment with my friend then he said


kay I I I bought uh uh a birthday surprise for for uh wendy you know then they said eh no they she's uh asking us to go for dinners oh no she didn't know that I'm going to give her a surprise so usually we will have surprise lah then he won't let me know you know, like uh he he will say that no I didn't buy a cake but actually he did buy a cake


you know uh and he keep it in the fridge you know and then he will bring it out at twelve o'clock midnight you know that kind of surprise lah, oh, ya so that's why we we just now I say that they they will give us a uh oddest compliment say that uh you all are you all don't look the most compatible couple but yet you all are the you all are very compatible with each other ya so do you have any err like bless blessing in disguise


for me I can't think of any I was thinking you know but I can't think of any ya


uh I like uh sweet stuff I like cakes uh I like dessert so ya I I I I you know sometimes chocolate all these ah can really make me happy what about you


oh


so what do you love most about yourself


ya I think we are we are quite similar in uh personality ah, I also friends also like to ask me because they think that I very resourceful you know like they they want to go online buy something they say they don't know how to read chinese and ask me to can you buy something for me from Taobao then I'm willing to help them


uh , ya but you can you you will still help them uh uh I mean not not necessarily, Taobao lah other online thing you know so I'll help them to book tickets I'll help them to book hotels you know so they think that I'm very resourceful so they will ask me to help then I'm always willing to help them so I think that's good


okay so there's a , what was the biggest reward you ever received after doing an awesome good deed


, ya ah I also never think of any uh big reward but I'm invited somebody invite me actually err this wednesday I'm going to have a private dining


so ya so I think it's a uh it's it's a big reward because uh uh this this person send me a text saying that uh I've been very nice to her and uh actually I only know her for one year only, only uh know her for one year I don't really know her very well but err uh she used to be one of my customer and she came to support me