so that is how how like I feel like, my, negativity goes that's how my, negativity goes ah so like how, how you going to describe the embarrassing moments that you make that make you cringe


, I mean like there there should be, something a few years back or a year, ah okay I mean like


a lot of parents don't let us join rugby even my if I got rugby my parents don't let they said very danger you know last year a lot of people got injured broken legs broken that one, that was like I mean, is correct eh they already call it a sport they, I mean like anything can happen


ya of course he worriesI mean swimming can drown soccer you can your leg you can have leg injury if someone accidentally kick, your leg ya anything can happen and then for me right embarrassing moment okay, you have heard last year is a embarrassing and a sad story


so is like , okay I was supposed to be, uh, how to say this uh I I need to present I I became I has opportunity to became emcee, for this event, so I tried I practiced myself


but I never, there there's one rehearsal before the day of the event so when the date of the rehearsal right I was shaking then I was like I lost my words, to present so after, the rehearsal right the teacher was like


oh sorry uh, you are we are we decided to put, this role to the other to the girls because I think that she do did better, so I was like really disappointed I'm so upset I sort of like cried inside the bus and, went back home after that


because I was like very sad because I was like so prepared already like print my, notes or and my cue cards for this presentation then they just like, pass it down to another person like that, cause like oh no I was like then I was like feel very sad ah so I cried on the way back home


after that so like, my friends tried to comfort me like [eh] don't be sad maybe this not the time yet


positive experience in your life, okay done


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


okay what're the small thing that always make me smile okay there's a small things right it is like someone gave me something or someone actually gave me a joke I usually like to okay ah for, it just it's just to make me smile right if you gave me like small like sweet also I will be if someone give me sweets I also happy but if give it if someone give me lame jokes


I will be the most happiest person because I like to have lame jokes with with anyone , yeah we usually like say someone can be as lame as you you will understand like how uh all the jokes ya because like not everyone can understand lame joke but if you are as lame as the other person


you both can experience the same thing together , , okay what are the sacrifices you made that worth everything, ya can ya ah okay


okay for me right there's small sacrifices so this happens two years ago, so after my age camp, my teacher ask me like do you want to go for perform for national day parade, that was like it means like a one time opportunity thing so I'll he was like


it will it's a one time opportunity thing ah but there's a catch, you need to sacrifice your weekend, because , ya so every so I need every week monday and saturday right I always need to go for training I need to go the kranji camp or maybe the national date the national day parade to


train for my performance so is very tiring because it work from morning till afternoon so that happens throughout the fasting month also so is very is very hot is like under the sun so you need to survive, the heat I was like okay never mind can can


so I was like or for it had lost I think around for five to six months it started for for me I started february so the performance was on nine august so from february until nine august I trained every week, so since I'm a non dancer my role is more the easier role


so I, so my role is a policeman , so I need to, think uh like what does a policeman do so I need to like, how to say that like role playing ah like a policeman so in the TV right when the background music playing so everyone can see us role playing to our own characters so we have policeman


soldiers and and also like, nurses then the dancers right is more to the business side, businessman construction workers, ya, during that point of time I was in speakers's society and swimming


ya speakers's society is more like emcee, because it's a volunteer thing because is like open throughout the whole ITE, so they were, ask like students want to volunteer you can just sign up


ya so it's a very good opportunity actually actually during during for higher intake students they asked a few of them also join but when they joined late right they still we already like know the basic of the dance step so when they join they were like very lost, ya


the training was very tiring ah but I mean after, those months of hardworking and training I think is a, very good experience because when when the date of the NDP right whereas like in front of the whole singapore I was like oh crap I'm so scared because it's like it's my first time


uh, performing in front of the whole country, that so I was, ya because there's one part right you need to start running so I was like scared right when I start running on the start falling imagine you just fall in the middle of the stage that if someone just caught you fall right then will be the most embarrassing thing


, ya you know when they because with the they start running everyone was like faster run faster run, faster , because my part right he he come out to the stage at the middle part so we come out from the back of the stage


so when want to come out at the back of the stage right you need to count our step you know because we cannot go to the middle of the stage too early because if you come to the middle of the stage too early right, the , the thing will the song will be out uh outrun it's sort of like okay what to do then there's one part that we just need to freeze


then suddenly my leg slip because it was like a bit wet at at that point of time so my , so I was like oh oh no , ya I was like oh no I was like because because the slip is like too obvious because I was standing at the front area there


because at the backstage is like there's a stairs so, they can everyone can see like you slip a bit, that is a good experience, is because like after I finished my performance right suddenly like my WhatsApp like, a a lot of alarm then I was like oh my god zul I saw you on TV I was like why that's like there there I don't know how they screenshot on time my face


ya I mean like if there's a type uh this type of opportunity I will go again , so like describe the best movie or TV show you have ever been and what do you like about


oh eh you know I


I didn't know harry potter right the dumbledore actor change until this ya recently this year that I know that the dumbledore actor change because okay I, I'm not a fan of harry potter when I was young so I


started a big fan of harry potter from the that movie onward, so for the, the first two I didn't know dumbledore actor change then I was like okay I go to google right so I try to search dumbledore so I see dumbledore from the first and second movie then I was like why did actor look different that the style and the fashion there is so different then actually that day right I was like oh


the actor was, was switch because like, the first and second movie if I'm not wrong I heard he already pass on, ya, so I was like okay but I think when I read the comments right I think the


latest movies I think the the new dumbledore actor still, very good at acting but I didn't but I don't know ah some people thinks that, the first and second movie actor is better, but I , but I've heard both is the same is like they had they still stay in character


but because both really look the same you know is like there's not much difference and their voice sound the same, oh yes that's what I saw in the comments also they say dumbledore supposed to be a calm and very strong character


but I think, like the other like the rest of the movies after two is he still has that very strong character, oh


ya actually I did I only watch like one or two times ah for the first and second movie so I didn't care I can't remember all this thing that happened, so I mean like, okay I like to watch star wars the series


so when I watch the last one, this year uh last year I was like, so sad like is finally over because I watched from the first until the current one I didn't watch the, ya I was like I didn't watch the, sub movies ah like han solo I didn't I didn't watch only main watch the main one


ya the main storyline is the best, I mean like after the which one you said the


last okay last year was rise of skywalker, the final one, okay there is rogue one rogue one is a also a sub movie


okay rogue one it was a sub movie before if I'm not wrong the star wars, ya it's a sub movie, ya it is part of the storyline it was I think that was happens, before episode four if I'm not wrong


five ah, it was okay the map of the death star the rogue one was supposed to find the map of death star so they find it so they sacrifice themselves to find the map of the death star, that then they send it to princess leia if I'm not wrong


ya so when princess leia receive it darth vader uh also invaded that ship but she if I'm not wrong did she able to get escape, ya, so that is how the episode, five happens or four and five I forget already I long time no watch


is a origin ah is the origin star wars is a origin with it's like in between is like four point five like that is a between story, ya


I know right then I was like when I watched the final movie last year that was like because I after the new movie come out right, I think is, starting from the force awakens when the main protagonist change to rey, I was like oh no is the vibe is not there anymore because it's like


I don't know why I think it's just like their plot is not as good as the old one, but I think uh, out of all I think still prefer the last one ah the last one if if out of these three new one I still prefer the last one the rise of skywalker


ah yeah yeah


but as but as a lot of people complain ah she say like her acting is a bit cringe , I actually I don't know but I think her, because they say like her, how to say ah her acting right and, captain marvel's acting uh acting skills


it's quite similar they both cannot act well , I think it's quite okay I feel I feel like both movies are okay captain marvel actor and the actor for star wars is okay it's just the plot


I mean that there's a character, oh ya yes ah I never see I mean the oh ya ya


so like what are the three things you have in common with your best friend or partner, I mean like you you if you have if you were to be best friend you must have something in common


because if you don't have something in common right you cannot call yourself, you and your friend are best friend, I mean like not everything in common lah I mean there's something one thing that made you guys, have something in common that you guys that make you guys very close


I mean me and my friend have something in common lah, okay that may also apply to me but we also for me we will also like sometime me and my friend always I tell them that there's a new gossip story to come out we always like to gossip about something


so ya once you start gossip right that time we always had to make like stupid lame joke out of it , ya then we make it like from relevant story like to irrelevant story , so you know it's like a bit laughing matter ah but as I do


but is sometimes is the story is serious right, they make it is not uh not too uh not serious I mean like that's, , ya I mean like I mean, I don't know is it just us or now is the current generation right now because like when something serious came out right but when they make a meme out of it everyone started laughing that's is from a serious to a non serious matter


but I mean if to me is a bad ah but I cannot I cannot stand laughing because if anything something serious like when even if I save my own onto myself right like something that is serious but if I find it funny I will be the first person to laugh


ya, I can not you know sometime I don't know why I don't know why I cannot stop laughing maybe it's just like my body cannot take it then my friend started


call me like !wah! you so evil <P2>zul</P2> you know like you you know your attitudes is like a devil like that if it's something serious like it's a serious thing but he start laughing, , , is like you know when like your teacher ask you to keep quiet because you are too noisy then you start laughing at their face , ya


I mean I did it before ah but I mean is a bad thing but it depends on like the how the teacher scold you but if the teacher scold you funny I mean it's a funny thing like how he scold you he or she will scold you like, because some teacher when they scold you right is like it funny so he if so because


help it but you start laughing at them , , but ya but the problem later will get punishment lah I tried to not to laugh me and my classmates okay we keep quiet keep quiet then we like, suddenly is like like laughing ,


my god, , eh I don't want lah but I think the fierce one right I'll just keep quiet I don't dare to laugh okay, hold on hold on ya


I know right I hope I don't know sia sometimes there will be that one class, clown that started to make, one joke right then I won't stop laughing, where the teacher tried to stop the class like keep quiet keep quiet


okay what is the one place you love to visit and why, I mean like your house you visit every day actually consider is not a visit is considered you are staying there already


okay , so that's your only place your only place ah


okay lah okay lah okay for me right if I want to release my stress or I want to feel the wind sea breeze or like cool wind I'll go to Sentosa if you give me a choice like Sentosa or east coast right I'll go Sentosa, because, east coast right the water there is not clean and sand is really dirty


then also right the sea at east coast park, you, I went the I think was happened last year I step on a a glass inside the, sea so my legs are uh there's a bit of bleeding luckily the glass was this small


then there are also some there's one time my friend my friend actually step on a statue that was like I was like thinking why people throw statue inside the seat, ya I mean like it's not a good good thing ah so I was like okay we just go somewhere else we we swim as somewhere else because I don't know what is that and I mean like glass got I'm


so I think that then I told my friend next time we just go sentosa I mean that over there also the sand is better is like more refined, ya , I know right so those is like the most relax staying like you can party there


then can just like bury your friends inside the sand , okay lah I mean okay I tried east coast park I went east coast park with my friends before but, I think right when that time where we okay that time when we went Sentosa right when you bury me inside the sand


and it feels different compared to east coast because east coast ah I find it is harder for me to bury inside the sand, because right when you when you want to cover me up right the sand is easier to break compared to the sentosa one, ya so


and it's very like not comfortable, after some time right you feel so itchy at the east coast, park sand compared to the Sentosa one uh


okay what do you love most about yourself, , okay for me I think right like what I love most about myself right is basically like okay


okay the one the one first thing is I'm ambitious ah basically uh when there's a very good opportunity I will go, or maybe that's, an something that can make me outstand to the crowd or maybe improve myself for my future


that will that is what I love about myself ya (ppl) yup


prompt on the phone finance is it


how long how long is uh one discussion for one topic, so you so can I change the topics in between or not that means currently like uh if you say ah for example


I say do you invest in your CPF money share your thoughts and the CPF investment scheme so ah probably I'll talk for awhile and then uh , for ten minutes then after that we move on to another topic which is what is your thoughts on singapore saving bonds and that kind of thing


oh so it can last for twenty minutes but it doesn't have to be one particular topic we talk about for twenty minutes right,


so probably can I ah choose the first topic first, ah ya, okay so do you think investing or trading is similar to gambling


what is your view on that Fairoz,


but do you don't you think that ah investing is actually basically gambling because when you , because when you have to put a certain amount of, money to invest and that doesn't ah guarantee you returns so meaning


that okay probably you ah like what you say is a calculated risk but you put in ten thousand dollars or what to invest in a certain stock but, it's not uh that money doesn't mean that that ten thousand dollars will be there you see eventually it can also be gone if you invest on a stock let's say probably on a US stock that goes up and down so you wouldn't uh I mean


is a is a kind of gambling where you don't uh it doesn't guarantee you return so at the end of the day it can be zero you don't get anything out of it ya, ya


so my take here is that, ah when we talk about investing is basically is similar to gambling, so because, you're gambling on a certain thing that doesn't guarantee you return so that money the money is not there forever you see it can be more or it can be less it seem like you're


playing ah like you know , ah those ah four Ds and that kind of thing you you you you bet on a certain thing ah that money can be either you get some returns out of it or you don't get returns out of it ya, (mmhmm) but


but for this ETF ah sorry to interrupt you how I mean it's something different here so is it how common is it because it's not every not everybody know about these ETF so when you say ETF , uh is it known to everybody when they are investing in stocks because normally when they invest in stock they will invest in normal stocks like


uh uh you know ah singtel stocks or boeing or singapore airline stock, uh how how does it differ uh as compared to the normal stock how does this ETF differs,


so it's a it's a more guaranteed return, so if you're


so basically what you are saying is that you are ah is this a ah a kind of strategy that you are doing in order to automate your investment to generate passive income, so that's quite a lot


what you mean what ah sorry what do you mean by it is open from six six six, that's the I see okay okay


so so what you are saying is that OCBC DBS is just a platform for you to , to apply for this , err investment thing and then on top, on top of that then from there then you can select which are the companies that you are interested in


so there's a lot of different type of banks uh what, ah what are your views I mean does different banks offer different benefits or or is it is basically the same, that is I see okay okay


okay so when we talk about investment strategy right another thing okay that is about passive income so another strategy that they were saying that uh in investing right you you should buy low and sell high ah is this a actually a good investment strategy what is your views ah do


ya definitely no yes ya,


so this is err I mean this is one stock you are talking about lah I mean of course there's other stocks like apple stocks and tesla, which which ah a lot of people are currently investing so even err they have actually uh split the shares to five in order to allow uh more investors to come in to buy in more shares ah what are your views on this err do you think that is a good err shares for us ya


!wow!


so err probably I mean even though the crisis now I feel that err in, in years to come probably if you buy the shares now so probably in one two years there is a possibility that the share price will go up, right


okay uh what ah actually are you familiar with dollar cost averaging, have you have you actually invested in this kind of options before, oh oh


so this is basically dollar cost averaging, I see


I see I see what about err have you invested err in CPF do you think you invest with your CPF money, ya, because for my for my portion I've actually invested in the ah SA account but they say you can also invest in your OA account but you need to for this OA account


you will is slightly different you will need to open with like DBS bank or OCBC right, ya, you get a higher returns is it


you get a higher returns for OA account, as compared I that


so if you have extra then you can actually invest right so when they invest you invest with banks eh, (mmhmm)


you need to set a minimum amount before you can actually make use of your OA account right as compared to your SA account there's no minimum sum because the amount is always increasing so we can actually make use of our our SA account to do some, ah kind of investment right


ya that one is it, I mean uh, I mean of course is as compared to CPF you get a slightly better returns right,


ya but if you actually invest with like ah company like prudential or ah great eastern you'll get a slightly better returns right as compared to ah when you invest,


, what about another thing that I'm I'm always quite interested that is about bitcoins ah like cryptocurrencies lah, ah but the


(mmhmm) but do you think that is quite risky because you actually cannot see the money physically ya, ya


but the thing is that it's quite volatile also because is always up and down and you wouldn't know that you know it can be it can go up quite high at one point of time and it can also just you know, uh, uh go down straight, ah and then you and you end up you don't actually earn anything so should I press stop


ya ya


negative experience


uh uh which what annoys me the most is it, , actually the the the actually the part that actually annoys me the most right is like people ah you know is like, you are blaming you are being blamed or being framed for something that you have not done lah or you know


you I think that that annoys me the most lah especially you know, err, something that you you have not done then people keep on talking about it you know then you you get very irritated or very agitated you know uh, uh I hate that lah ya that kind of thing what about you


ya


ya lah correct lah something like they're nice to you and then , ah that's another thing that I don't like lah like you know in front of you they're like a , ah goody you know they will talk to you nicely but actually at the back of you ah they keep on you know they talk bad about you I I hate that kind of people also ya


so what is your actually your greatest fear, so maybe I go first lah


ya lah I mean actually actually my my greatest fear is uh losing you lah because, , I mean you are my life partner and then err if you are not around it will be really a a a a big burden to me lah I mean as in to take care of the kids and it will not be easy lah to manage the family to manage the finances


uh, ah I wouldn't want that to happen ah that's my greatest fear lah, , ya that is really my greatest fear ya so uh, , talk about your


worst travel experience have is there any worst travel experience that you have, ya


what about your friends with your friends have you any have any travel hour, not


actually actually there's another one that we went to Paris right remember you got pickpocket, ya ya ya ya that is worst what that was one of the , you see so fearful and uh ya is one of the worst travel experience for me also and after that we was living in


(mmhmm) (mmhmm)


pretending ya ya because I think is, (mmhmm)


but they are actually ah professional ah pickpocket ya, ya so in in Paris itself uh they will wear all these kind of like special suit that they put on so they are all professional pickpockets lah usually so that's what they do for their living they may they don't look like crooks actually they looks like professionals they look like lawyers in fact


but , that's what they do for their living ya it's quite sad lah ya, ya that's the thing ah, have you, ever being like there's a time where your best friend or your friend actually backstab you how do you feel about it and how do you react


oh is it a lot of times or what, ya correct ya correct correct oh ya correct correct okay


okay for me I think , I wouldn't say I have best friends lah I mean I have a lot of friends uh I have a big circles of friends so, people tend to uh talk bad about you or backstab you or you know


uh, it's common ah I think it I find it that is very common over here so I'll I always take it with a pinch of salt so I understand the character, and ah, and stay far away from there so but I feel that uh


in life , it's difficult to get uh good friends there's only a handful of it so if you have I think, you should really ah treasure and, you know ah really treasure the friendship that you have lah ya


uh


okay thank you so err what always brings tears or sorrow to your eyes,


definitely ya it's the same thing lah you are you are my best friend my life partner, uh, ah like like what I say lah I mean my greatest fear is losing you so that's how ah special you are, and uh


how I treasure you lah ya, and every single second I always pray for your ah health, and uh ya, for us to be together ya, so ya so what


what always bring tears or sorrow to your eyes, I see I see


I see I see, good for me right I mean , uh when you talk about this right what brings what always brings tears or sorrow to your eyes is basically , ah family lah my family that I have now, having you having the kids having my parents having my in laws


I mean at this point of time, , err I mean as we age, you still have your parents with you is a bit blessing lah I feel and every moment you pray for their longevity and you know you wouldn't know when is the time that they will leave us so it's


is really a blessing and then it will always bring tears to me and having the kids especially having the four of them as uh especially ah Aqil and Aisyah, , they are my first ah I mean the first two that we have the twins


and , every every day is a stepping, stone for them lah ya and and I'm always worried for them I don't know why is always these two that I'm worried even up to today even they're in secondary school now I'm still worried worried for their studies worried for what will happen to them


and uh , you know and always wants ah success for them, ya, this will actually bring tears to me lah ya,


look down , look down I wouldn't I don't know lah I mean, I wouldn't ah I mean they they don't actually tell me physically probably they will


ah, oh ya ya ya ya correct correct I mean that is part of it lah I mean of course because the thing is that my parent


is actually uh my mom actually work very hard just to uh you know uh support my study support my education and uh just to to, to to go for this kind of job I mean it's just where that point of time just by having your o levels you can actually get an entry you see there the thing so


people will look down at you and say that you know why why don't why are you wasting your parent's money just to get entry to do this kind of like job which have ah no future no career progression you see ah


but then again , is every girl's dream lah I mean just to get into it and and travel the world and then work for a few years and then probably some some most of them they will quit and then move on to the career of their choice lah


ya, what about you have you have you been look down before, ya so when you say ya so what


describe the embarrassing moment that make you cringe ah, embarrassing moment , , err I can't remember ah but, at times you know last time during my younger days, you you tend to fall down or you tend to walk and just slip and fall


so, that kind of thing you know if especially in public you see I think that is a few, few times I cannot remember , but there's a few occasion where where I was walking and I just slip and, fall and I think


there's like a few kind of like embarrassing moment lah ya, !wah! I


I think I went through quite a fair bit uh basically I went through quite a fair bit of operation in my life , uh apart from you know even before my marriage I went through a, big operation to remove my cyst, and uh


!wah! that was, ya then after that I was at home for two months I was bedridden, and I can't hardly move it was so difficult for me then on top of that after my marriage I went through I think about, two times or three times of uh operation again even though it was not an open OP it was a keyhole surgery


I think it was quite traumatic just to go, to the operating theatre, and ah you will have to you know, , it's really very painful is quite quite scary ya ya that's the most I mean


I wouldn't want to go through that again, I hope it will never happen to me again ah going through ya, what about you any traumatic incident that you have experience in your life, secondary school oh my god oh !wah! lucky one


if not I mean everything it's ah over, ya hopefully, I mean you wouldn't have to experience such experience again in your life lah ya yup can we stop here uh hillary


positive experience ya, okay okay okay can okay uh can I start now ya


so what are the small things that you that always makes you smile Fairoz


ya ya I think I share the same ah sentiments with you also ya especially because currently at work is quite stressful, and you have tight deadlines to meet and ah you're always chasing for deadlines and uh and rushing back to work and you have


to juggle work with , we've home and also to take care of the kids eating can be quite challenging but the thing is that coming back home to see them to see you and, to see the children ah it actually make ah make your day and make you ah smile and want to uh you know want to do more for them ya


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


oh ya , I ya because I think probably that's the, place that we went for our honeymoon and err there's a lot of a , err sentiments err you know, err that we share over there and is really a beautiful place and err ya and it's easy for us to move around and to find food also ya


so uh what are the three things you are most grateful in your life, ya correct ya ya I think ah


for me also it's the same thing I mean I I'm grateful to have you as my partner and I am also very grateful to have a, the house your family to stay with us and I mean uh even though we are you know


uh such I mean with the kids around with the helper I am also grateful with the helper because without her and without your mom and dad I think, a lot of things cannot be done over here ya, so, so very grateful for that lah ya


so maybe err what is the favorite activity you like to unwind and relax what do you basically do when you are stress or what do you like to do


ya ya for me also ya, ya I think for me also running is because I've been running since primary school and then since secondary school


and then by running I think it actually release your stress and it also ah maintained not only released yourself stress maintain your health your well being and also makes you fit and you feel good about yourself ya at the end of the day you feel a kind of achievement ya


so , TV show ah, !wah!


I hardly have time I mean currently I have hardly have time to watch TV because of the kids because I'm so busy I hardly come I come back home quite late at night , I think is the


the the last I cannot remember also the last movie that we went ah, ya, the last movie that we went was I cannot even remember , uh


ah ya ya ya I think so ya, ya , that are something action packed movie lah, right ya with the kids right


ya ya ya I think, ya that that was probably the ya cause I hardly have time to watch movie hardly have time ya, what was your best meal you ever had, oh I think


ya I think I think for me was uh the time we went to Paris ah I think I I went over to my err my auntie's, place and uh I remember the hospitality that she provide she actually bake uh , this special seafood uh you know ah dish uh is is actually I


until today I can't find it over in singapore is something different uh it is so special and so so delicious lah and I I will never forget that dish lah, it's it's really very nice and, until today I still remember about that dish


it's something very italian very authentic ya, I don't know whether you remember that lah, ya ya, ya it was so nice ya


err what is your proud proudest moment of your life, I see ya ya


actually it's the same thing ah I have the same thing when you ya I had is is the twins lah I think that's the time that I, I waited very long just to to give birth to the twins and it was not an very easy pregnancy we went


through about I went through about twenty eight hours of labor, and uh, uh I didn't know whether ah I will be going through uh natural delivery, or cesarean it was even a situation where one will be cesarean one will be natural


ya ya, so that was the proudest moment of my life lah, ya ya, so err what err described one of the most ah memorable travel experience


ya, ya ya yes correct ya


ya ya that was like ya that was an really an awesome experience and I didn't expect to actually go over there ya, it was quite a impromptu kind of thing but we managed to get a flight ya, despite ya


ya correct correct correct ya correct


so what are the dreams and goals that you wish to achieve before you die, I mean this is something that everybody , uh you know they definitely have a kind of achievement or something that they want to set and a goal in their life before actually they pass on lah ya


so for me actually, , ya I mean I I definitely want the best for my kids and for the family and uh I want them to be successful and uh I hope that I can purchase my next property, and uh


and my next dream car which is my porsche err macan ya, ya correct


but taking into taking into uh account that you have ah already uh your debt free you have cleared all your loans wouldn't you want to purchase a a a a new property wouldn't you want to to get a a car of your dream ya I mean


passive income lah yes, , that will be something that everybody would like to look forward to you see, because in this kind of err I mean


this err, and nowadays ah just with one work it's not enough to to actually , err lead you uh, err I mean just a normal life you see you really need to to get some passive income ya


so what is your favorite childhood's food or snack,


, , chicken rice ah , , for me I'm a very simple girl I mean I love those like uh Laksa ah those kind of like uh #mee siam# very authentic food lah and I love cakes lah actually all those uh


uh special you know like #creme brulee# ah this this are like all those my ya childhood food yes I love ah those #nasi ambeng# ya that's my favorite childhood food lah I used to eat that usually for breakfast last time you know so


nearby my place there's a house which actually open a store, so this sell actually this special #nasi ambeng# so every morning especially during the weekends , my my siblings will actually buy for everybody


to to eat for breakfast, so we actually have like ah late ah brunch kind of thing so we will have this #nasi ambeng# this special #nasi ambeng# with like you know the , err Razak ah my late brother Razak ya because he loves to eat ya I have a late brother ya


who has pass on uh so he use he loves to eat so usually he will get for everybody so in fact my cousins uh like uh Rehanna if you know her uh they will actually come over and then they will also also buy so all of us will actually , eat together ya it's


it's really ha very nice ah, , so , err, err err, what are the sacrifice what are the


, what I love most about myself, uh, uh , I think I'm a very simple person, and I don't expect much and I like to give back to the community I love to help people so sometimes I think about myself is I'm I'm too kind


and I I sometimes I can uh I mean people, take advantage of me or people because the thing is, that I like to help people I I, I am too kind to people lah basically err


I just like to be and I don't like to I like to be equal to all, ah, everybody ya even though they have different character uh, and they can be a group of people with which is much more ah dominant so another group of friends which is err you know the down to earth one so I love to mix with all these different type of people


ya so I'm, I'd like to give back to the community lah that's my ya I really love that lah I think maybe I just follow my father straight lah ya, what about you !wow!


!wow! that's nice ya, correct


correct yes , !wow!, ya I mean it's it's it's nice lah I mean, it's nice to give back to the community and to help these people ya I think they really need our support especially at this point of time ya


where the I mean job industry also is not easy, there's no jobs for most most of the people people are seeking for jobs so by giving back to the community community it gives us a sense of achievement uh satisfaction and also uh doing good is


err it will help lah it will help in the long term run lah, ya, so uh, so what are the sacrifices lah have you ever make any aggressor that you think that you have made ah and you have made that worth everything ya


ya correct correct correct, I think ah , ya I think I've also ah forgo my SQ, , ya I've got a place there and then I did not go for the, uh for the training is also I think that one was before my marriage lah ya


ya and then, it was also disapproved by my parents and my brothers my my late brothers , so by not going so I mean of course it was my dream to and I love to travel I didn't get the opportunity but then again ah probably is


is a blessing in disguise, uh, currently I'm holding a better position, and uh, probably uh I mean nothing nothing lost you see I still get to travel I still get to, to go where I want ya, ya


so do we stop here [ah] hillary ya


finance


ah okay ya


ha investing is not ah gambling ya, it's a calculated risk I mean with every every ah investment vehicle there's always risk there's no such thing as there is no risk


there will definitely be risk but we minimize risk with our financial knowledge and ah intelligence, so we


so if you want like that if you don't then if you don't want to take risk then you just put it in the bank ah you can get a zero point zero five percent interest, so that one is guaranteed


err okay but this is you are talking about stocks in general okay so let's go to a topic of ETF, ETF is ah exchange traded traded funds that means like ah singapore we have the STI ETF the STI ETF


uh basically consists of, thirty singapore stocks which are so called the blue chip stocks, so is like right now is that all time low it's about two thousand five hundred STI ah ETF


so I mean it can go definitely it can go lower uh maybe it can go to two thousand but are you telling me that STI ETF will go to zero I don't think so because I don't think the, government nor what will just allow these (ppc)


thirty companies to just go bankrupt, ya so STI basically like ETF ETF are like basket of stocks, which are in a group, so in the group so like err this thirty companies so like


ah


well like like you say boeing boeing is slot in STI you see ST err boeing is under S, PY that's ah SPDR, that is in america so like ah you were saying OCBC singtel and all that , it's a it's a basket of stocks only in singapore stocks so that will be STI ETF so for STI ETF uh we find that


it's more stable so like instead like you you are telling me like err you are buying singtel if you buy singtel is just one stock, ah, one stock you see one stock


err of a, you are getting one stock so when you buy ETF ah is like you are buying thirty stocks, ya I would say ah yes yes ah as in uh if you're talking about capital appreciation ah yes it is


, that's for ETF, then you have ah real estate investment trust which is REITS, REITS ah they pay ah ah


this err dividends four four times, ah so every three months you will get your so called dividend, yes, ah then you have unit trust unit trust ah basically you can use your CPF to buy unit trusts


then you have ah bonds bond as for bonds you have err singapre, savings bond singapore savings bond, is err like right now they have the, ah SB october twenty bond that's err it's it's a bond which err invest


you pay five hundred dollars, in multiples of five hundred dollars you can you can buy, then uh, the total amount of saving bonds you can hold at anytime it ah one time it cannot exceed two hundred thousand so you can just ah in multiples of five hundred you can buy this and this one will give you about zero point nine nine uh percent interest


which is even better than your bank of zero point zero five percent interest,


ah yes that's uh this is so called like a autopilot, investing so autopilot investing so this err bond ah, if I I just give you a example ah , err for if for ten years for ten years the interest for for for the first year maybe you get a zero point two six second year maybe still zero point two six or zero point three


third year you get zero point four two then ah, ah fourth year point seven then fifth year point eight nine then point ah sixth year you get point zero point nine nine seventh year you get one point one six then eighth


you will get one point three two then ninth maybe you will get one point four eight then the last you will get about one point six six so average returns per year, you will get about err zero point nine nine percent


ah yes then err like let's say and then you apply for it ah you apply through your ATM , you you apply through your ATM let's say err it's open from first september six PM


until nine PM twenty fifth september, then your , that means that that that's where you go and apply you go and apply through your ATM, okay then


then uh your alertment you will get it ah on the twenty eighth september after three PM, err you will get whether you are successful, in your bid or not then you will get your actual savings bond


on first october by the end of the day, okay so how you apply for it ah you go through maybe DBS POSB OCBC and UOB internet banking portals or ATM or you can use your OCBC mobile app


or you can use your supplementary retirement scheme, ah yes


ah yes correct, but then err this, thing is open from seven AM to nine PM although although your ATM is ah twenty four hours but (ppc), to apply for this is only available from seven AM to nine PM monday to saturday


excluding public holidays, ah, no no there's load there there isn't is is is just that if you happen to have a banking account


ah with let's say OCBC so it's easier to just transfer the money the from OCBC let's say you want take out hundred hundred thousand from OCBC and you transfer to this singapore savings bond, ah then you ah you will need a individual CDP account for the cash application


or ah SRS account for your SRS application CPF funds are not eligible ah you cannot use


okay okay ah I I won't say buy low sell high because buying low it can even go lower so remember like I explain to you about HERTZ what happened to the company from a five dollar stock now is one dollar forty one cent would you buy


the company released ah filed for chapter eleven bankruptcy, would you buy you wouldn't buy, you may buy ya, so the thing is that err, so I would say buy strong sell weak so when the stock is strong and its climbing you buy


then when it's weak, people are no longer interested in it you sell it, then you also have the like you have read this ah intelligent investor book, ah by benjamin graham, ah warren buffett ah mentor that one in that book


they talk about margin of, ty and intrinsic value so every stock, will have, a intrinsic value to it so let's say ah if you are looking at a company call err jentech, this is a is a company that uses your rear view mirror


to control lighting in your house open the door to your garage, and then even your security camera ah and while driving it acts as a security camera and gives you three hundred sixty degrees


err err err view, all around the car so basically you don't have any blind spot so it's just, basically how these jen jentech it works it is err it's a it's a mirror is a rare view mirror which has so called like a iphone embedded in it so you just touch on it


err on the, on the screen and then you can control your house lighting so like err like when you're you're out, you want you want your aircon to be turned on and all that so it's like you can you can do it just with your car you can just switch it on


and then when you come home you aircon is already on your fans are on your door garage is open and all that so this is a company that I was looking at so that the value currently is about thirty one dollars so an intrinsic value of


ah we calculated about say thirty percent down, so it's about, as long as the price err margin of safety you are looking at twenty seven dollars so as long as the price is above twenty seven dollars is a buy you can still buy it


ah so at least you see twenty seven dollars to current price of thirty one dollars, so you have a five dollars to four dollars to five dollars upside so that in that itself you can get your capital appreciation,


yes apple stock yes, yes,


ya it's a it's a good company as as you see when you buy stocks you should see who are buying like warren buffet, he has, ah been buying apple stocks since even when it was four hundred five hundred dollars now even after the share split to four is to one


it's a he's still buying it so as long as the price is above hundred dollars I don't see a reason why we should not buy it so uh if you had bought the shares on august twenty eight for five hundred dollars if let's say you buy ten shares


so when ah come august thirty first the shares should ah be split and you will get forty shares, for forty shares err will be about hundred twenty five so all in all err you will get forty free shares


and then err you you can get more shares of the company


yes definitely, yes , ah yes I'm I'm familiar with dollar cost averaging


no is not options actually this dollar cost, averaging you can use it to buy your STI ETF, so that means you buy whatever price, that means uh as long as err every month you just set aside hundred dollars and you just keep on buying hundred dollars hundred dollars hundred dollars so yes


dollar cost averaging so that means, ah how much you want to buy err when when you buy this err dollar cost averaging ah it will be ah let's say first year you want to make one thousand dollars so as long as the price drops below one thousand dollars


you got to top up so that is call your dollar cost averaging so let's say the the stock price has dropped the STI ETF has drop further so to to make for the shortfall, you you buy you buy in ah more stocks so you add in more money and you buy more stocks ya so that is called dollar cost averaging


ah yes I I do ah yes, ah okay ah yes for


ah those err if OA account you you you need to go through your broker ah, ah it's not about ah higher returns is just that uh this money this OA it doesn't go with your retirement account that is the reason so you use your OA to finance your house


your your your housing loan, you can use your CPF so it's from your ordinary account that is being paid, for your, ya yes so the ya


ah ya you can invest in banks you can buy ah singtel shares also you can ah, but there is a minimum right I I believe is twenty percent I think you need twenty percent


ah yes, yes yes yes


ya yes, ah yes ah it's not about returns this ah OA and SA basically your SA gives you four percent ah interest right


but your OA gives you two point five percent interest without even doing anything the government is giving you two point five, percent for OA and four per cent for SA,


ya basically what they are do they are doing this is like actually fund managers they are you are buying through the fund managers so they also charge, their annual fee and all that but uh it's negligible lah so to get higher returns ah


ah okay, okay cryptocurrency is basically right now now I think it's a good time to buy, because it has drop to all time low of ah ten thousand dollars


it went up to US twelve thousand and now it has drop to ten ah US ten thousand plus so if you want to buy you can buy now so you can see ah slight upside because ah, they are saying that it will actually double


this ten thousand will double into twenty thousand at least at least for the near term, ya but the thing that that's why you have your uh uh e wallet


like your coin base coin hardcore and err ah crypto dot com all this ah ah yes


ah ya but but that that's that's why like what I tell you that err don't put all your, kets in a one, one egg ah all all your eggs in one basket, ya


press already ya press already okay


negative experience, (oo), okay lisa what's your biggest pet peeve or what annoys you the most, yes


uh okay for me what annoys me the most is ah liars, people who lie, if they lie once, they will lie through anything and they can lie looking at your face


uh and they won't even flinch, this this one thing which I really hate, uh


greatest fear, err, greatest fear actually to tell you frankly I don't really have, much fear because ah if you know that I don't have fear of heights or anything, my only fear is


maybe it's a, is is that uh greatest fear is maybe that err, something happen to me, and then I would be a, burden to society or to my family I would not want that to happen lah


god forbid ah ah


worst travel experience ah, not not that I can think ah uh the way I see that holidays basically all my holidays !wow! I would say I was, very fortunate and most of the time I will did my traveling with you so I


ya I I went with my friends but, there there wasn't any uh bad experience ah, ah the maybe the only bad experience was probably that time where we were in Istanbul which we actually got cheated by the taxi driver but


and even then that I just I don't really consider that to be a very, oh ya ya ya oh ya ya the pickpocketed okay, oh ya ya ya that one ya


ya, but but but the thing is that you must remember ah when basically like what I told you ah they have like uh these although they are conmen or tricksters ah they have a code


the code is that if let's say if you find out that they that you are that that that they are stealing from you, they will probably return you back the money because it is to say that their skill is no good or something like that because remember at a time when they took my wallet and all the coins drop and then you are asking me eh


how come the, coins are dropping and then he saw it and then he was like, he just he just he just pretend that he just say that this is italian magic so he just took, the wallet and he just return it back to me, which he don't even actually have to return to


us but they go by this, code it's a like a professional because he being a professional pickpocket artist or con men or whatever but, he he still stood by his ethics that


but because that I knew and you knew that uh we were being pickpocketed he actually return back us the money not even a single cent, was lost during that experience so I wouldn't really say that


it's a bad experience ah if something like in a way to say that, they are also even though how bad the person is they still something called conscience, , maybe he's stealing for I don't know whatever reason maybe to pay his men ah mom's medical bills


or to maybe to even put food on the table I don't know but even then that, , ya professional pick pocketers yes, ya


ah for for their living lah, ya, yes, ya they are they are basically con con artist lah, oh that one


ah ya, ya it has happened lah but err sometimes I would just err I would, think that maybe because the by ah of the backstabbing or whatever that this person is no longer around


we feel so I would think that it was never meant to be ah, it was never meant to be so that that that person ah is no longer there lah so it, it's a way to say that they just went out of your life lah so I will just say that maybe it was never meant to be to even be a friend with that person lah


but I don't have a the uh, case of a best friend backstabbing me ah there have been friends backstabbing me ah best friend I would say that this err very sad


thing ah he's err he's no longer around already this guy I'm sure you know about him uh his name is Faizah ah he was a sole, breadwinner he was working in a PUB and in power grid actually so when


uh to make ends meet he actually took on a job of a, taxi driver to actually ah help his family ah, supplement their income because his ah siblings are still young


and uh he didn't want to burden them by doing, part time job so he actually took a second job so what actually happened was he just happened to drive taxi and then he was caught in a , in the midst of a illegal car race so the illegal car race the guy was driving a EVO car


and uh while he was studying this guy beat the red light, and hit his car and the car flipped and instantly he passed away so I would say in a way you can say fortunately, he passed away also because


uh if he was alive maybe he would be brain damaged or something like that, err err god just took his life away so, I think maybe it all happen , err for a good reason ah


ah but he was he was a very good friend to me ah he was one of those guys who actually encouraged me to go into polytechnic then by going into polytechnic actually that was where I met you, if I had not gone into polytechnic to do my further studies I would not have met you I henceforth you became my life partner after that


ah ya like


like for me if you talk about best friend I don't really have best friend lah, the only best friend I have is you ah, ah then I can share basically almost everything under the sun with you ah, ah it be it work or be it anything ah be it my friends or my working colleagues or anything


ah you're like my confidante ah so uh so basic, ally I can share with you everything and then basically we think alike ah so that I think that is one of the good things together like you are my best friend and then we can share things ah


ah even though how difficult, or sensitive the topic, can be but we share eye to eye in this kind of things ah, ya ah ah ya


what what then then how then what is it that you feel about me is it is it the same, as like this ah to share things and all that or you prefer not to share with me


ya ha, ah I every single second I also err pray for your health and your wealth also


[orh] [orh], ya like uh like I told you about my friend ah this ah Faizal lah he went through a hard life ah, he never really had


he always put his friend, and ah family forward in in in in instead of his own life ah, even to the extent that he, he was never even involved with, any ah ah friendship with girls or anything he is like


ah he had friends ah but he never really got ah any romantically linked with uh see the only closest thing he had was, there was a one girl ah her name was Fauzana supposed to get married but uh somehow rather the girl's family didn't like his family so in a way that


uh they were not approving of the relationship ah, so as a result so and he was very sad, he couldn't err it's through no fault of his he couldn't be together with this girl lah, ya oh okay


have have you been err looked down upon by people in your life


ya but but but remember you were you were telling you were telling me right uh that time when if you were to join SIA then people would look down on you and all this kind of thing, ya ya (oo)


err ya sometimes ah but err, it's okay ah I for me I I I take it with a pinch of salt lah I if if people do look down and all that ah or people talk bad about you is probably because


they are not where I am I I always take it that way ah the only thing is err I would be I will be sad, if only, if allah is the one that looks down on me


ah that that is what I fear most ah I uh if people they look down on me it's okay, okay I I've got nothing to prove to anybody I I have done whatever I need, to do uh I have done to the best of my ability


ya okay describe, the embarrassing moments that make you cringe, ah


okay then uh oh okay ah ya same same here lah I don't really have any , err really err embarrassing moments ah I mean it happens every now and then but uh, nothing nothing major lah okay what what what is the most uh traumatic incident that you have experience ever in your life


oh ya mine was ah operation ah when I was in uh secondary ya secondary school so which, left me with a twenty CM, scar on my uh on my stomach, ah ya ya


especially when ah it becomes cold on a cold day after the operation I still get the pain and all that, so uh I'm, that that was uh one of the traumatic this thing then uh because of that


my stomach I still got the scar, it's uh very traumatic till today ah it was ah what I had was the malrotation of the gut basically if ah they didn't open that, the appendix could have burst and I would have died ah


ah that was what I was told by the doctor lah, uh alhamdulillah ya everything is okay now, ya , ya I hope I hope I hope


, ya positive experience


oh is is the little things ah like uh coming back home you see the kids uh they are they are growing up they are always looking for you err this little tactics when you come back from work you are tired


and err just when you want to take a break then you see your children that these these are little little things or especially like when you come back home after a long day's work at least just to see you then we can have dinner


or whatever this this uh small things ah, little little things ya allah,


love to visit ah I would love to visit uh Istanbul turkey again, ah


uh, I'm grateful for my family, for err, for my family for my friends and, err basically


it's the little little things lah, so, grateful for everything whatever we have ah I would say Alhamdulillah, we are thankful lah for whatever this thing be it work be it our finances be it


our car or house we stay together, we just want a simple life I think this this err little little things which I would say I'm definitely grateful lah, ha how about you ya


uh I like to run lah basically because sits ah cannot play football so run running is a one good way of relaxing ah, err how ya how how about you,


, okay what ah describe your best movie or TV show that you have ever seen and what what do you like about it


was it was it ah iron iron men is it, iron man or what's that uh, , end game ah is it end game I think the end game ah, ya


ya with the kids ,


ah best meal ah, err best meal I ever had, oh I would say in ah turkey I had that Iskandar Kebab !wow! that was fantastic ah it was uh the thing is that we just got married then we were walk


ing then we were drenched we were so hungry we were walking trying to find a good restaurant and finally we went to a shop we didn't know what to eat so the the guy at the restaurant he recommended us Iskandar Kebabs so we didn't know what it was


so end up it was err basically Kebab with uh yogurt !wow! that was the most fantastic, and err it was very, cold eating it or I think I can still remember how how it tastes back then while we were very tired it was cold it was raining heavily we were all drenched then we went to the restaurant


uh it was near the ah grand bazaar we went there to eat, the Iskandar Kebab ya ah how how about you what's your favorite food, ah


ah yes yes I remember ah Corin Corin is the one who cook us the meal


uh proudest moment of my life ah err I would say, ah proudest moment of my life was, when I finally had my twins


ya I've been waited for eight years to get the twins and then I would, say !wow! eight years and finally we get, twins one boy and one girl !wow! I think that's I would say is the proudest moment and I was so happy


and eh that was one thing I cannot forget for the rest of my life ya what about you, okay


ah memorable travel experience I would say, ah was the one in err Istanbul, Istanbul then we went to Dubai, ah that one, we didn't plan to go to Dubai but err somehow rather we went to singapore airlines office and then we change the ticket to go to Dubai for our flight ya


because my uncle was scolding me and then say oh why are you not coming to Dubai so we tried to go to Dubai , so in the end we finally managed to get the ticket to go to Dubai then from Dubai we went to #abu dhabi#, then uh met my relatives there my uncle was there uh then


we went to we went shopping as usual in Dubai, ah and the food was very nice ah I think Kebab and err all the Hummus, and err I think we went for the the err Dubai safari ride the desert safari


ya


ya so in a way that err I would say that our in our honey, moon we actually went to two places ah where people only go to one place but we actually went to two places so I think that is a very memorable thing at least in our honeymoon not just in the honeymoon in our life also


we will probably will never go to two places anymore again because now with the kids and all that I think it's much more difficult so back then ya we can just pack and then we can just go ya, oh oh


ya as for me uh, dreams and goals that I wish to achieve before I die is basically, err just want to have a good life, uh want to stay debt free I want to be financially free


I want to be able to not be, too committed with any this thing so in, in short I would want to pay off my car loan ah even my housing loan and all that so I wouldn't want to be tied up with all these loans


err with all these debts, , ah yes definitely I would want to purchase another property and then


uh which can give me uh passive income ya passive income, ya


err favorite childhood food or snake ah basically I used to love chicken rice I love chicken rice for the longest time , ya what what what about you, ha


then then then who who who will buy for you ah Ibrahim Ismail, (oo)


okay what what do you love most about yourself,


okay basically what I love about myself is ah I love to, help people lah, uh as you know every, although I work in singapore airlines ah I consider this as my job ah every month ah there's one day that I will help the lack


less fortunate uh those staying in a one room flat, err we will distribute food we will give, rice and ah cooking oil, ah this, even even how much money even if I don't have money I will somehow rather tried to get at least hundred dollars or hundred fifty dollars and I will donate


and then we will ah combined forces with a group, of people and we will distribute to five hundred families needy families in singapore in chai chee so ya they stay in ah one room rental flat so I think that


this uh it's actually a reality check to see that people even in a in a of, fast pace singapore or developed first world nation of singapore there are still parts of the community which have been left behind so I I I believe that


by doing this, it really makes my day, ya ah ya


uh sacrifice that made, uh worth everything okay basically what I would think that uh, sacrifice that I've made is err , you've to forgo err


err the, pilot training course, because that time I could have just ah left you and the kids no ah because that was the time when you were pregnant so it was either to decide to either to go for this pilot course or


to stay here and to be with you and go through the pregnancy together but I think that was the best sacrifice that I've done uh by, doing this we have err actually uh came out stronger and we have err we are still with the kids uh nothing beats being with the kids


err how how about you, ya


okay


finance, okay uh, how do you invest your money to accumulate wealth of planning for retirement personally for me I will just be planning for retirement I mean planning for when I grow old that we'd like to get married and also to buy a house and then the only thing I can do as of now is just like keep aside


part of my pocket money cause I'm not really working but once I start working then I have to uh keep aside much, a portion like maybe twenty per cent of my income so that I'll be better prepared for the future I guess ya


ya, I think uh it will be the same for me also lah like uh what I read online was that like there's this framework may it's like fifty thirty twenty I think so fifty is like what you spent and then thirty ten uh twenty percent is like what you save for their your future which means like your retirement stuff like that


and for this one is like starting a family buying car and house all these especially in singapore is like really expensive, ya so it's like you really have to start when you are when you are young cause if you are if you were to start like when you are in your late twenties or thirties I don't think you can you will be able to save enough money by the time you want to buy what you need to lah


ya so okay moving on how do I spend my money personally I spend way too much of my uh pocket money on food, like junk food sweets and like just uh bubble tea and stuff like I'll say it's more of like want it's not really a need lah but I'll I


I spend way too much money on food and like over the circuit breaker period uh I especially spend a bit more on online shopping specifically yup I I just I don't really save much that's all I can see ya what about you


(mmhmm), for me personally it's like I would buy buy buy until I realised that like my bank account only has a two digit number then maybe like ten dollars and below down then I'll stop then I will just like not eat I will not buy anything that I want until my next pocket money comes lah that that's what I do which is quite bad actually but


yeah, should you get a financial adviser to plan your finances, personally I think we are still I think we a bit too young to get a financial uh adviser but like I read online they say you it may cost you a hundreds I think


and as of now I think you can it's you are able to activate yourself in a way you can like frame your own budget and then see like a few months if it works for you personally but if it does not work for you then maybe that it's time for you to get a financial adviser cause it means that your plan does not work and then like


ya so that's what I think


and I think uh like your own like you know like bank app applications on the phone they also have like certain it like parts of the app where you can like like ya ya ya ya ya they help you plan so I think that's that's kind of a good start starting point


what advice you give to someone to get him or her out of that , I personally haven't been in that before and like, in the first place I think you when you want you shouldn't even be in debt like when you want to get a loan you have to ensure that you have a plan


for you to be able to get that money and pay that person back cause if you don't have a plan to get that money back then you shouldn't be loaning in the first place unless it's like really like maybe you buying a house or like you know you you would loaning from a bank okay lah but is is fine but if you were to loan from like a


illegally like a loan shark I think that is that is not good, the only advice I would say is really to, get or like you start work extra work maybe like do part time uh maybe do grab or something so that you have the extra income to save and then like the moment you get the income the moment you get that money you have to straight away put it aside for the paying back of the debt cause if not then you will be it will be lost in buying other stuff


yeah


I guess it's the same for me like uh personally I don't really use cash that much nowadays even more with like the COVID nineteen situation people are like encouraging like cash free so I tend to use more of my card, and then the thing about card is that you don't realize you just keep tapping it tapping it and then your money keeps going out but you don't realize it until you look at your bank account that's the dangerous thing I'll say about using like my debit card


I don't really manage my cash flow as per se like I don't really like put aside this amount for spending this amount for savings at the end of the month whatever I have left that is what I'll put in my savings so my savings like differ for each month


ya and then like what I said just now my expenditure is mainly on food I and online shopping online shopping maybe like once in a while cause it depends on how much money I have left and as of now I don't really have I don't really invest and I don't really buy insurance but like my sister my sister who's like stable working has a stable working job


bought like life insurance health insurance and and she told me that once I had a full time job I should also buy I think that's a good idea because you you you don't know what can happen to you anytime so it's like the moment I get a full time, job with like a stable salary I think I will go ahead and buy an insurance for myself


that's that's good, I personally don't really know much about CPF contribution I just know that every month like you up a percentage of your pay I think around maybe twenty plus percentage of your pay is taken out to be put into CPF which you can use in the future and I think like we can only use for like buying a house


or like when you retire then you can get like monthly income from your CPF that's why I think but I'm not really so sure what about you


(mmhmm)


what can you do to earn extra income or improve your income level I think the only thing I can do is to work part time jobs when I'm free and available


and then like I think that's the only thing we can do as of now but like I think what you can do is actually like maybe do a bit more research on like which sectors of like the part time job give pays you more and you also have to see the your working hours and your availability and


ya I think that's it I would say what about you


ya true


ya,


and I think for like online business like what you said I think you really have to have a bit you have to have patience because just when you when you want to start off like, people won't really know the existence of your business and then what you have to do is like you have to tell your friend then your have friends have to tell their friends then that's how you can spread your business but when you start off you really have to be patience and you have to persevere through that part because


that few months when you first start off I don't think you have a lot of orders coming in, ya true


do you think do you think once you own a credit card what about you what do you think


for me I think you should only own a credit card if you are confident of that you can manage your finances well about what my dad does is that he owns a credit card but the moment like he uses a credit card then when he gets home he sets aside the money for it which I think is a good thing but that's provided you have the money what some people use


some people have a credit card because they want to buy stuff that they don't have the money for at that moment of time, but credit card is really I would say is a very dangerous thing if you don't have the money to pay back at the end of the month then it is going you're going to be in big trouble cause you will then accumulate accumulate accumulate


yeah I personally am a bit scared of owning a credit card I don't think I'll own one unless I'm like really, maybe like when I'm really old like old older maybe around my late twenties or like when know you want to go overseas I feel like credit card is really useful when you want to go overseas and travel that's when you use a lot of credit card because not not that your debit cards a bit


not really accepted I'll say yeah I'll say yes so so credit card I will say I'll I'll own it if I want to go overseas but I'm a bit scared because it's you like you really have, if I don't have the money for it then I'm going to be in big trouble so I don't yeah I think it's really up to their personal like how they manage their own finances and then they yeah they should know if they own the credit card


yeah yeah


like what you said also it's just really to start saving from young and then it's uh like in singapore you all save your CPF contribution so that that also helps you but if you want to retire comfortably then you really have to start saving from young, like every month at least a percentage of your savings uh your income must be placed into savings fund for your retirement


ya I think that's the only thing you can do like and maybe like if you if you really need to maybe hire like financial adviser maybe, but other than that it's really just to start saving and maybe like nowadays I guess I keep saying investments I'm not really so sure how that work but if you invest now then you know in the future you have a lot more money I think that that's how it works but


investment so it's a really scary thing and you should only do it if you really understand how it works you should really also do like your own research and like ask, for help but from from from professionals I think if you want to invest, yup, how would you make a financial plan or investment portfolio for your family or children


atiqah what do you think (mmhmm)


(mmhmm) (mmhmm) (mmhmm)


(mmhmm)


for me for financial plan I guess like, the moment I know that I am pregnant I would say then I will start a account for my child you know and then I will start like uh saving like a bit of my whatever money that I have I will put into the account and then as they grow like what you said all their uh all the money that they get from their uncles or aunties during like you know like #hari raya# celebrations


uh all their bursary that they received from the school, everything will be all the money will put into that account and then once his he or she is old enough I will pass over the account to him provided that he knows how to like because for me ya for for him to handle the money cause for me personally I don't touch the money that is inside the trust account it's for you to use in the future


twenty minute eighteen second


part three negative experience, what is your biggest pet peeve or what annoys you the most


I wouldn't say one I don't really have one biggest pet peeve but what I don't like is the sound of styrofoam rubbing against each other I can I I really cannot stand the sound of that like I would like I don't know my whole body would just like clench, ya oh another thing is I don't like it when uh I took my I just told my sister this yesterday I think it's a bit inappropriate but I don't like it when uh guys move their chest up and down it's a bit disgusting to me I just I just don't like the look of it


just no the if you do it in front of me I can really smack your head but ya that's all I can say what about you, (mmhmm), drill


oh oh, (mmhmm)


ya ya I get it you have a face that people don't like ya ya


push them off ya, uh uh uh like the act big lah


for you I think you always you always say how you don't like it when people are rude to like older people you ya I think that's that's one thing for you ah you always say that which I think is true also


for me I think I would say the movie that I say just now which is the miracle season, uh I can't, maybe a specific scene will be like uh because the after the best friend passed away , after the captain passed away the best friend took over as like the captain of the team and she tried you can really see that she tried but because she also had to handle with the grief of a loss


so she was a bit overwhelmed and then her she heard her like other team members were saying how like she's not fit to be the captain why is she the captain you know just because she's the best friend why must she be the captain and at that point of time she just broke down and I think I broke down too as I also cried when I see see her cause I feel like


people don't understand how important it is to be a leader, people don't understand how important it is to be a leader and, like as a leader there will always be people out there who hates you for what you do or who don't agree with your ideas or opinions but you still have to go on because that's your responsibility to ensure that everything goes on


and like growing up given leadership roles there was always people that don't like what I think don't like my ideas uh don't like me being the leader itself but the only thing I can do is really just to take what they say positively and just move on because there's really nothing much you can do about that


okay describe what you dislike about the younger or older, generation firstly older generation , would just be they are lack of knowledge or awareness on like certain matters like what we said just now about mental health that's one they don't know that


they don't like what I said they don't understand the concept of mental health so like your anxiety your depression your stress the fed at people why are people suicidal they don't understand this and that's a hard thing for us uh as their children because we are going through


uh challenges that they don't understand, I'm not saying that they don't go through their own challenges they do but we are maybe we just not as strong as, them you know people have different tolerance so that's what they should understand , I think maybe also they always compare us to them when they were younger which I think doesn't make sense because it's different generations of course like how they live when they were young is much much different than how we have to live now


and then for the younger generation I would say is I have no I don't really know why but I feel like the younger generation are becoming more and more rude, like they are becoming more and more like uncontrollable so like as a senior in like in school or what you always see like your juniors are always like misbehaving for


nonsense reasons like don't know just for attention and I just don't get I just don't understand why they want to do that for attention because it's not worth it to me personally but ya what about you, conservativeness


, uh ya, ya


(mmhmm)


ya,


ya ya


yeah


(mmhmm) yeah, yeah


uh for me actually it's the it's the same trip as what you said the our hanoi trip it was really it was a life okay it wasn't a life changing but it was a really new experience, specifically for me will be the toilet because I think the toilet was so so bad that I mean even the teachers were shocked were shocked at how bad it was cause it did not look like what it was in the picture


it was way worse uh you had like a a nest inside ya it had cockroaches inside and then the hole when water ran ran through like fast I don't know what is it call like a drain the drain is where you can see chickens chicken head know


I was a bit I was, it was a very different experience for me and then like ya the flushing system also doesn't really work that well so like !wah! we literally held in ya we held in our number two business but until we got to a better toilet but thankfully we did though


, (mmhmm) yeah yeah yeah


(mmhmm) ya ya


but I think, additionally I think for us is because it was a girls' dorm so we also had our sanitary pads that we had to uh dispose of, yeah and that was really another challenge because the the bin was not cleared so everything was just collecting there and I was no there was yup


I think


personally of course there will be actually there will be a lot of times where I feel like nothing is good enough one time I will say would be , okay there have two I will say or can I describe about two I will describe about two times one time is when as a as a daughter I feel I have not producing enough like good results to to make my dad proud


and like so and I even though I studied I will say I still didn't get the results that I wanted uh so that's when I felt like, I was not good enough and you can I like and I can also see like the disappointment on my father's face and that was when I really felt it lah I was like uh I really have to buck up


and then the second uh experience I would say is as a leader for the CCA there are times where I I kind of uh don't really carry out my responsibilities where , I'm a bit lost people ask me question that I cannot answer to and I just feel like I'm not good enough


and I feel like I can just give that position to someone else who's better I think being a leader there is a lot of moments like this and I can't really pinpoint one but it's a constant feed it's a constant thing that I always feel I would say ya what about you, (mmhmm)


I don't think that I don't think that that thought has ever crossed your mind I think, ya ya ya


okay err, ya ya ya


me oh oh ya ya ya ya surprise ya, ya it was our friend but the thing that you surprise a total stranger and that stranger was like what what ya


ya, for me uh one of it would be uh when we were on our uh trip to brunei in uh school trip to brunei and we were on like this bridge was made of like log woods


made of woods and then there was a hole and I didn't see so I fell I like my foot my foot literally got stuck and I fell that was fine I stood up but when I look around people looked at me and then like you know when you look me they were guys and then I was just like I was so embarrassed and I cringe so bad because


it was such a stupid thing lah I would say, uh another thing I would say embarrassing moment is like uh when we are in a you know like because our CCA uh Silat right we are in like a fight, and everytime like my my opponent like manage to make me fall !wah! that's like the most embarrassing moment lah like and then it repeats for the whole like six six minute the whole round is just repeat and repeats every time like my face touches the floor


like the feeling of the embarrassment just comes up again and again, and it's !wah! the fact and like, you have to throw that away and then keep on fighting again and then you fall again then you throw it away then you keep on fighting again that's really like is a tough thing to do I would say, but ya


have you experienced any loss in your life if you have describe emotions at that point of time and how did you deal with the loss should I go first, okay one loss that I can uh think of right now is uh the loss of my grandfather


he does not live with me he lives in malaysia actually so uh when he when he passed I was in school so my grandma had to take me from school and then I had to wait for my father to get home then we went to malaysia together and I felt I


I don't know I felt a lot of emotions at that point of time I felt anger one of it was anger uh of course sadness there was sadness I I also felt sad I also felt a lot of regret actually because I didn't express my love towards him that's one I didn't express like


it's just like my presence or same in his life wasn't that big but to me his presence was quite big for me so I I have a lot of regrets and also at that time but I know because he was in pain so the best thing that could happen to him was really for him to move on to pass on so


lot of mixed emotions at that point of time how did you deal with the loss , personally didn't spend a lot of time with him but what I did was I looked for photos of me with him I didn't even have any recent photos with him that's the thing I had only had photos of me when I was young with him so I kept that photos with me in on my on my table to remind me constantly


of his existence and then like his existence in my life but I would say I I didn't really like grieve over him for so long lah, I just moved on with my life of course, he I think that was what he would have wanted me to do also lah


what about you


(mmhmm)


, (mmhmm) yeah


ya


twenty minutes


part two positive experience, do I have to introduce myself, okay what are small things that always make you smile


I would say if if it's in public then it's like the small acts of kindness that like you know there will always be those aunties and uncles who sells tissues due to their their disabilities at in at the MRT stations, and like if I were to see like someone else were to like buy the tissue from them or like just give them the money and not take any tissues I think that that always makes me smile cause


like you kind of believe that there's still kindness in the world I'll say , and from like if it's at home, small things that makes me smile is always like whenever I see my pets ya or like you know small moments with your family members like your personal moments with your family members like for me with my sisters at night like late night talks and stuff that just makes me smile because


I don't know I feel like that that connection my family is still there even though it's like such a busy world you know


(mmhmm) (mmhmm) (mmhmm)


(mmhmm), (mmhmm)


but what you, like what you said just now like saying just saying thank you will really make someone's day like especially you know like if you work at like uh what is it called like fast food restaurants like ya McDonald's or KFC, or like the fact that you can just say thank you to that cashier or what I think would make their day cause they have they've been standing there for so long like you know they'll be working and then some uh some customers can be really rude to them so if you were just to be you know be a bit more patient and kind to them I think it will really make their day too


for me also I personally don't think I have done any sacrifices personal or not uh that is worth everything, being ya I don't think in any way lah but I am thankful for the sacrifices that my sisters has made for me uh my parents has made for me of course because they some like what my father said always says not always but what he said was that he's only working


he's like he's ronly taking the job that he has now just so that he can provide uh money for the family cause he doesn't really like the job I think that's a huge sacrifice on his part and I appreciate that of course but personally I don't think I have made any sacrifices at such a young age I would say


moving on describe the best movie or TV show that you have ever seen and what do you like about it I can't okay I can't really name one best movie or TV show but like one movie that is always in my mind I would say is this uh


movie called the miracle season which I watched on a when I was on a leadership camp this movie is about like a a volleyball team that lost, its captain due to like an accident so they had to like move on the competition without their main captain and I think that movie was good cause I I quite emotional I am quite emotional so I cried at like


almost fifty percent of the movie and like I think it was really good movie had a lot of learning lessons also as a leader, ya I think uh so I'll I always recommend that movie if and if anyone were to ask me for recommendations I would recommend that movie, and then recently I just finished not finished almost finishing watching uh the umbrella academy on Netflix it's a really good show but it's not for everyone lah cause it's a bit uh fictional cause it's like uh the the


people in the movie have like powers which doesn't make sense of course in real life then my mum will always say why you watching such nonsensical movies uh TV shows but it's actually quite nice and I recommended it to my sister and my sister finished even before me so ya that's that's good ya what about you


, (mmhmm), ah ya ya ya


(mmhmm)


(mmhmm), that that uh drama series I really liked it's because it did touches a lot I think almost the whole uh drama is about mental health like what you said and I think it's really important because nowadays like mental health awareness is really important I'll say cause the older generation uh wouldn't they don't really understand the


concept of mental health so the fact that the fact that uh dramas are starting to show starting to spread awareness on mental health is really important for us the younger generation and it also you know for like everyone in general yeah


(mmhmm) (mmhmm) yeah


seven it has been around seven years


to me is like to be honest our personalities actually clash like I think a lot of even my mum even my mother said that that our personalities clash but in some way or another we feel very comfortable around each other, I didn't actually be honest our common things shouldn't be our personalities lah will be more about like our likes our interest maybe that's well our common things come in ya but like our what we think


our understanding of what we think on like certain topics maybe it's always different also like ya I think you and me always have different opinions on, certain ideas and topics and on on certain people also ya, okay what is one place you love to visit and why


love to visit I mean I love to visit uh Malacca in malaysia cause uh I've like a few family members there and I think in general like, I like to go their #pasar malam# there cause it's like I don't know I like to buy stuff from there especially food their food is amazing cause it's not something you can get in singapore and another another thing I will say is also is currency it's like it's everything is not everything but most things are cheaper there


and I can buy everything that I want without feeling guilty because you know it's cheap and I can afford it by myself don't have to depend on my parents or my siblings' money, but one place that I would want to visit is actually I want to visit australia not I don't have any like specific part of australia that I want to visit but in general just want to visit the country of australia just want to feel like I want to


uh see what their culture is like there and stuff ya what about you,


(mmhmm), yeah (mmhmm)


ya


iceland right okay oh mean the the camping caravan is it


oh okay (mmhmm)


so uh so what you like is like a road trip is it with all the friends, in a caravan uh that would be nice very nice oh yes ya ya ya, okay what are the three things you most grateful for in life


I think, it's quite deep question I'll say friends of course number one will be friends because I think without them I wouldn't be where I am now they helped me throughout my toughest times they helped me through my education also uh through uh any point of life where I feel like my


talking to my family members will be weird friends are where I go to for help and I think it's that I'm grateful for the presence of them I don't have much friends but, I have a few friends that I know will stay with me for life ya close friends I know I can say I I have less than ten friends but I know these few friends will stay with me throughout my life which I'm grateful for that grateful for in life


I'll say actually to be honest just living to be here actually, cause I think life is not an easy thing lah was here of course life is hard , every part of uh school you go to is hard certain points of life certain points you just feel like you want to stop and give up but you look around you you see your family your friends you realise that there are people out there that loves you so like


you kind of just stay for them but after awhile you have to find a reason to stay for yourself too I would say, so another the last thing I'll say I'm grateful for of course will be family of course we have our times where we don't get along there will be times where I fight with my parents with my siblings but at the end of the day we are still family uh we love each other


they they also in a way they shape me who I am now they my parents raised me up so of course I'm always thankful for that , being the youngest also my siblings sacrificed a lot uh use a lot of their money on me also so of course I'm grateful for them ya I think so the the three things I wwould say is friends family and


three things I'm most grateful for my perseverance is that eh I don't know if it counts but like the fact that I persevere to live in this world I would say yeah how about you


(mmhmm)


ya, yeah yeah yeah yeah (mmhmm)


ya, ya, (mmhmm)


ya (mmhmm) ya (mmhmm) ya ya oh


oh to be honest I can't really name three things but I guess, it's always like the small action that you do three things I admire is of course number one would be your honesty you are always honest no matter how painful that truth can be you're always honest and I appreciate that of


course three things admired by your best friend secondly is I think you don't know how, much sacrifice I'll say sacrifice you made for your family like you may say you cook for your family you, clean for your family and all these even though your siblings don't do it and for you it's actually a natural thing but for my family it's not


so the fact that you cook you wash your uh, you do your laundry and stuff like that even my mom is shocked because I don't do it uh in my house so ya the fact that you do actually is big thing so that's what I admire also because you know how to okay to honest you don't know how to manage your time because you can't


finish your work right but, I like I like how you can give that sometime, sometime, to like do what your mum says and help her with the household chores even though you still have your own submissions to do and that's what I admire about you because for me when I say I have submission my parents don't touch me


so like I cannot go out as in eh not I cannot lah but I don't go out of my room you know except to eat so ya lastly what I, no I mean last lah actually I don't know lah I can't really think about it can you go first


ya ya


like I know what I want and I know what I don't okay,


(mmhmm), like to be honest I actually I always feel like I'm not doing good enough but every time like you keep saying like eh you work hard what you always


wake up early to study and all these and actually gives me a like is it reaffirmation I'm not so sure about that it it makes me feel oh validation it makes me feel better like that actually someone recognizes my efforts ya which is you so thank you for that love


this what do you love about yourself you go first


twenty minute


finance uh for me I personally don't invest my money also but maybe in the future I will uh like I plan to actually like invest in some stocks because I see my friends are doing it also so


for planning for retirement, do investment like that uh, how do I invest my money to uh to plan for my retirement, I think I would just, like , invest my money inside and like never take out


never take it out for a long time because I want make sure like the most amount is accumulated inside yup for the second one, what strategies would you recommend to someone planning for their big ticket expenditure for me one strategy that I think is very important would be to save up a lot from now from a young age because uh you never know when you are going to need the


money when you are older ya for <P2>ezati</P2> ya ya


okay similarly I also spent like most ninety ninety nine per cent of my money on food I think is justifiable lah because like I mean I need to eat right but and what have I been spending too much money is also food, , like but like <P2>ezati</P2> say during the circuit breaker I also like


, got influenced into online shopping but not too much lah I only buy like what I need like at that time, how, do I spend my money other than that I don't really because I know how to like prioritise my wants and needs so it's not a problem for me to like actually determine them


what I need to buy at the right time mah yeah, (ppc) ya


ya try to avoid I try to avoid that lah because I don't want to have like no money at the end, ya okay next


uh actually before this like when I saw on instagram like people having financial advisers then I thought oh I should have a financial adviser too but then actually I think that , I think I, for me I would personally feel, uncomfortable with giving up my like personal information to my financial adviser and


it's not like I have a problem to like manage my finances right now so I think ya as <P2>ezati</P2> said it is better for me to like just plan like where my money goes to right now by myself instead of having a like paying a financial adviser to do so


so ya plan the finances ya ya shouldn't get pay ya I agree also like


I mean in the first place why would you be in debt lah but like other than that to, to to be out of debt there's nothing else except for actually working extra hard to uh collect the extra money and not like deviating from anything


so like you set the money aside to pay back and then don't like borrow more money to pay back the previous money ya I think that is bad also lah ya, how do you manage your cash flow


and how much of your saving income is allocated to savings expenses and insurance or investment uh personally I mean we we are students so we don't get like , income and I don't work part time also so ya I don't have my income but from the money that I get from my parents I try to save up


, okay lah I try to save up a bit lah if any like anytime like any of the day I have like any coin balance or what and I just try to save it inside a box, , expenses I mean most of the money that my mum give is for me to spend on my school stuff my food my daily expenses uh for me how I manage my cash flow honestly the only cash flow that comes in it is from my parents so like ya but how it goes out like I said just now


it's mainly food lah yeah I don't really spend on other things, except when I need to ya <P2>ezati</P2> yeah


for me actually I already have like health and education insurance because my mum thought that it is important to have, these just in case like any anything happen happen to me so she has been like I mean I have I had been having this insurance for like since I was young is just that it's signed by my mom and I I don't really know anything about it


actually I think it's good lah because it helps you prepare for the worst just for example right if you retired already then this COVID situation happens at least you still have some money in your CPF rather than if you don't have this CPF contribution and then you, like all your money all like gone already and then during this like trying times you are like you have to really work really hard to actually survive


and in the midst of all these like deteriorating economy it's even harder to survive so like this CPF contribution if you retired already I think it's good but if you haven't retire also I think it's also good lah because it helps you like save up for the future


ya for me