and to add on also like I will try people who I can trust so that like at least you can tell me like you know not just the good stuff about the the policy or the the plans he you you also tell me like what's bad about it ya so I think that's very important also


okay so moving on like I for, question three how do I manage my cash flow, sorry is it possible like maybe elaborate what's cash flow like my income and expenditure is it


oh okay , how I manage okay okay I don't really have a income right now but , I mean like uh I'm doing I'm doing intern so I would say any savings expenses and insurance slashed investment


I've I don't follow like this ah that's a proportion I think twenty thirty fifty or something, ya so fifty percent twenty percent savings thirty percent investment or insurance then fifty percent expenditure ya I I follow this ratio lah basically I think I already off somewhere and I think I think it's okay like the ratio is good enough ya


okay, I think it's just very basic lah for I think uni student is basically just tuition intern internship what else


research I mean like this kind of research , projects in school you know like helping out with your professor and stuff like that you know are I mean you can't really get a full time job while studying right so and most is a intern is a part time internship or


you know ad hoc ad hoc jobs ya to improve your income level I would say right now maybe attend like online courses and just up up skill yourself and, to to learn more lah to learn more and ya online courses lor for now


correct


ya okay I kind of forget about this ya so, I think one thing also you can like invest in like okay maybe like recently a there's a hype about or a trend about robo adviser which takes off a lot of like time for you to


actually actually get involved so you just put in money and then they'll do the things they will do the the investment for you lah so I think ya that's also one way you can earn passive income, for next moving also do you have the habit of savings how do you ensure you meet your saving goals


okay I do have a habit of saving I do track my expenses and, ya like what what I mentioned previously I I do allocate like around twenty percent of my income or more depending on my spending lah so, and at the average will be around twenty percent and ya twenty percent is my goal lor so I make sure that I track my expenses you know if I know I'm going to over ex over like my average is going to


over budget then the next few day I try to not spend or just stay at home ya


spending of money I think, , the same the same old thing lah I mean like food


, travel uh transport I think for us is basically these these two are the main thing right now and, occasionally you know buy clothes and stuff like that but ya the main thing is still food and transport so justify wise ya lah definitely food and transport they're both essentials mah but I feel that food is a quite subjective things so it might be essential but


it could also be non essential because sometimes you will spend on like luxury food you spend on you know eating too much on cafe restaurants all these are not really essential you know ya so I think that's that's I think food is also is despite it being a essential is also one of the area that I spend too much on


uh I think right now also like because we we are in circuit breaker mah mode so I think one expenditure that we don't really uh think about it's actually entertain entertainment so, I think movie theatre all these ah I I forgot when is the last time I went so these expenditure wise is


ya but this expenditure wise I think if on, normal days or normal normal periods I would say not a lot also not a lot also, ya, and ya lah you justify lah I mean like once in a while you have to let loose and relax also just make sure you don't spend too much ya so some more


big, I can go first


to plan for a big ticket I imagine I mean, you have to plan early lah that is definitely you have to plan early you have to find out what's the cost of it you have to find out, let's say you are starting a family you are buying a house then you have to find out, what range are you looking at what what's the budget that you are looking at and once you set on a budget


how much money like you are going to set aside monthly I mean like I'm on unless you have one lump sum already then okay but most of the time people save up for this kind of big uh expenditure so you have to find out like what's your monthly savings like how much you want to set aside and whether is it reasonable whether is it attainable


if you are earning let say, a pretty decent amount like three four k you uh I I I won't suggest that you go and buy a a one million dollar condo those kind of thing ya I think it's just just plan within your means also ya


before and after marriage uh financial commitment, okay I can't say after marriage because I have no idea, but wait, so what's what's financial commitment though in in in what sense


oh okay okay how do you manage that


ya I think I think I I I do think the same way as well ya okay I think moving on , post COVID world what change, are you making I mean definitely entertainment because right now I think I think most of us are quite comfortable with staying at home, and I feel that !wah! when you stay at home we really do save a lot and ya lah so when I when when this post COVID thing happen I don't want to like suddenly back to you know spending so much outside anymore so probably I'll I'll just moderate and ya yes but keep a balance between spending and savings


have ya ya you can you can correct correct


what do you think of fire okay fire ya uh I think of that a lot and I think it's uh it's kind of like a goal setting also financial independence I think to everyone, to each their own lah but I think for me


is to retire early ya I think it's more like passive income towards the end because ya if you want to retire early then you make sure you have a, you have a you have different plans to help you meet your passive income so that if it if you if you retire early you still have this amount of income coming in every month to help you with your expenditure and stuff like that


independence wise, I would say maybe set a goal how do you want how can one find achieve ya ya oh I'll just move on ya be sure you got anything


how do you invest your money to accumulate wealth


there's a lot of way you invest in stock you invest in bond you invest in saving plans investment plans invest invest, accumulate wealth and planning ya I think is mostly this kind of thing stocks bonds


ya different way lah reads accumulate wealth saving plans if you have discipline and I again I would say if you don't have discipline I would say go for savings plan if you are more a risk taker then maybe you can go for stocks like that


ya, okay so anything to add for this


uh ya I think, ya what advice would you give to someone gain of gaining of planning lah I will say just planning lah I mean like if you are, if you are bankrupt right the bank will also help you plan out or you or the court might even hire someone to help you plan out all this thing


usually planning is discipline I guess you know the you must know then you ask lah what's the reason that he's in debt in the first place, you know and obviously he has to do something to his lifestyle to to reverse this this whole this whole situation as he is in


planning financial planning really just financial planning you need to plan out your expenditure your budget your savings everything you make sure your savings is more than your spending in this case because you are in debt, so really really need to cut down your spendings you you'll have to save more and while saving also make sure at least your your money is


because you are in debt so you don't want to put in risky asset you don't put in a risky portfolio you should put in somewhere stable so that you know at least you can it's uh you you get a you get to withdraw it and pay back the debts, ya


do you, okay that's pretty vague I mean like depending on your age also uh for us right now I don't think so because, I think, I think you don't have the income yet so you know don't don't don't spend future credit don't spend don't spend credit that is not technically not yours because


ya lah it's technically future credit I mean like you have to pay back, ya one month later right without without accumulating interest, so I think later on you if you have income and you you are you are you feel that you have the discipline to not overspending ya why not because credit card are ultimately is for you to actually spend on like big stuff let's say you you're buying a house you need to buy furniture and stuff like that


credit card actually do gave you the credit to to buy all these lah at the first in the first place after that you slowly pay off uh in terms of instalment on monthly you know but ya I think discipline is very important whether to decide whether you want to own a credit card


a lot of people I think there's no discipline didn't they do tend to spend a lot and they don't realize that the the interest rate is crazy correct interest rate is very crazy and ya


(mm) okay ya I think that's that's all for these thirteen questions thank you


ya negative experience in your life , have you gone been have you gone through any losses in your life no not really not really really like


ya, okay maybe okay maybe you've just share like maybe ya I I have I do have these , kind of like class uh I will say classmates schoolmates ah who actually die of, cancer


so okay not, yeah he was he was one of my hockey my one of my sports , friend uh my sports mate and I ya so I we actually after school after JC after junior college we didn't really communicate anymore so it was quite shocking when like the next news that I heard of him is actually his funeral so


so describe my emotion I okay I I was sad but I kind of think of like oh how fragile life is even though you are young doesn't mean you know you you you're you're excused from all these like illnesses you excused from all this disease or stuff like that


so ya I was sad for the grieve for the period and makes me like reflect on how to, fragile life is and uh how we should really take take good care of our current lifestyle lah you know ya you do have to enjoy but also make sure you you take care you don't overly burn overly use your body you know everyday go drink and everyday you ya


do you have any for you, don't have right ya, okay maybe what makes you sure err what makes me stress ah, study lah I mean right now in at this point studies


I think for me, what makes me stress, I guess is, ya I think study act as a whole and


what else uh, okay for me it's not really it's not much on like what you mention certainty I guess more or less I I kind of, have the route that I really want to do stress wise okay lah maybe stress on like, what what to expect in that route that I'm going through and I'm going to that I plan to go


think stress also maybe money wise money ah I think also makes me stress because, uh with regards to the the previous few topics that we mention, savings is a savings and planning is very, eh I think if you really want to plan properly


it's uh it takes a lot of work lah it takes a lot to work to actually plan out because it's oh you can't really plan definitely also when there's a lot of uncertainty you can't say how much you going to earn next time you know what's your income, you can't say eh by when but you only can plan and I think this uncertainty kind of make me stress ah because


you know I'm a person I I rather have certainty I will rather know what's what's going to how how is it going to end up kind of thing, so it to a smaller extent ya it makes me stress but it's it's not it's nothing much lah actually, ya


okay , what's the biggest thing holding back from your goal, oh for what goal do I have as in for my career goal I guess ya lah this virus lah I guess


this virus is slowing everything down this virus is, really putting a lot of opportunity on hold , isn't, I think that's the biggest thing right now, travel goals wise also same thing lah this virus


ya so, right now it is just this thing otherwise I think before this nothing really holding me back I guess is more, more of your results maybe right you result that give you


your results will hold you back from your opportunity to, cause I I plan to go into a finance like, uh of finance field or finance industry so I think result is very important of course like character wise you know other commitments other experience also play a part but


ya I think result should at least be optimal , okay, how about you ya


I think okay maybe maybe another goal is also like financial goal uh financial goal wise what is holding me back, honestly there's really nothing holding me back because, I think the internet right now is really the best tool that you can use to help you plan out


planning for the future is really, it's it's really easy lah it's it's just that the uncertainty lor like I say the uncertain the uncertainty is the part whilst the main thing lah, okay I think that's let's move on


describe a time when, you, help, when you feel that, [ho] that's why seem sure okay can you you can go first


sadness Siew !wah!, when you talk about sadness I'll never really think of, you know I never there's there's no there's no classification in my head that like !hey! this my sadness , maybe , ya ya ya now let me think maybe like migrant workers I guess


I would say like, perhaps the way we the way you know I think the societies still, look at them , I think we should really work towards treating them equally after all like you know they came from far and like ya lah you can say it's their choice but they're they're already here you know they they they came here to work for their family also


so it it it's not like you know they're earning like big bucks here also I mean they do earn a lot but it also just nice you know to live in singapore is actually very expensive and stuff so I think basic I think human, , you know basic kind of like human


the way we treat each other you should you should you should be equal and we shouldn't, you know just because they are from somewhere else or you know I I see a lot of people just you know ostracize ostracizing them like here some pushing them away


not literally but pushing them away as in like on the MRT you know they do we tend to avoid them or people tend to avoid them no people tend to see them as well, second class I guess so but we realized that actually cause I actually spoke to like that time when I was volunteering I spoke to like


few of them actually when back in their country honestly, they are just no then how to say no not say normal but they're they they are just you know uni uni under undergrads, you know sometimes even graduate oh they they have family and like it's just very normal but when it comes here is like suddenly they are being treated very differently I think the very sad I think I think society should work towards balancing that out


ya saddest no uh not really okay


okay I think actually recently I do heard of one of the scene which is quite sad I didn't witness it but actually one of my friend, told me I'm not sure if it's true lah but basically right now you know like in singapore and malaysia so, the border is actually close right, so I think


one day I think one of the malaysian student actually cross the border, to singapore border so he he he walk he he walk on the causeway back to malaysia, and apparently the malaysia causeway rejected him, so he had to walk all the way back


ya so maybe that's a one of the saddest because after all he's a student and I mean he's he's just a kid uh, and I'm I'm not really sure about really true or not but if it is true then I think it's quite sad because if you are ya ya because you are malaysian and like your country just


rejected you so I I feel it's quite, sad lah if is true if is true, ya, okay I think let's move on, what do you often worry about okay I often worry about finance lah I think money is very important I think relationship also relationship with friends relationship with family also I do worry a lot about that uh because


you can be very rich but you can you can be very successful financially but ultimately you know you you need people to spend time with also you need people to share all these moments with you, ya so so I do I always worry about relationship at least I need to I constantly feel that I need to maintain relationship with people


so in if I feel that you know, ya that kind of drifting about our I'll I'll I'll put in effort to actually like to kind of like close up that that distance lah close up that space, ya financially wise is like I say planning planning planning is all about planning


worry often worry about studies also I do worry about studies ya, ya that's all actually very simple it's just these three things


okay, okay, cause is there one thing you wish you could change but will never be able


ya !wah! actually negative experience is, I think people don't really think about negative experience like in general right I mean unless you really ya okay maybe my life is quite smooth sailing so I don't really have a bad bad kind of thing that I really like hold on to it or something uh if but if I wish I can change ah


what I wish I can change, okay maybe lifestyle I guess change my lifestyle I I I think previously I was also more like a, uh live day to day kind of thing by this way


worse I guess you know it's like I I don't even think of the money that I spend, so I wish that you know at that back in that time I I at least you know restrain myself or control my spending


I mean like yes lah when we are young we tend to spend a lot but I think reasonably and within your means lah you know, I realise that !wow! it's just like you're not enough money then you go and work like part time just to build up the cash then you spend off again then you work is like you know there's no ending you spend what you earn


it's ya it's you spend what you earn after that it back to zero then you have to you have to go to earn and you spend again at that point of time I think it was okay because we are still young but, I think right now is really the the time to actually take appropriate steps oh to really secure your future ah secure your your plans ya


same lah I wish I can change my lifestyle back then it was quite toxic lah it was quite scare there is it was quite dare it was quite reactive also ya, describe a time when you feel nothing you do is good enough


ah okay


okay I think a time maybe that I feel like nothing you do is being okay maybe late night thoughts you know because I think, I think I'm not sure is it just me but I think I believe is most of most of us you know sometimes we feel that you know there are there are so many people out there that is doing better there is so much more successful


and you just feel that you you know that kind of like the sense of inadequacy like you feel that , you just feel like you're not you're not enough lor so ya ya it's just like you feel that way you know if you have done so much things better and we and we but it's it's you know it's very suffocating if like every every single action you made you keep thinking eh I want to be the best I I want to be like


too bad about it but it that's that's not possible lah honestly cause you you you are at the moment you are just doing what you you can what so at night it's just that you felt like doing at late nights I'll just feel like eh , you know it's like you could have done better you know this kind of things all these small small like little things you you think like you flying and realised eh you could have done better there you know I could have


I could have I could have two (uh) different action that would have probably a better outcome this kind of thing, ya so the the


okay, okay so positive experience in life, okay so first question what's your best birthday present and why it was best birth birthday present okay not really a present kind of person so it's the best birthday


maybe money ya I think money is enough I don't really I think ya I think alicia you also not really a material kind of right more more sentimental lah


okay I the reason why I chose cash also cause honestly in I think right now I don't really need anything also so you give me cash at least you know I maybe put into savings and I can spend during my rainy days ah so in a way you help me also you get what I mean but obviously I won't I won't tell people that I I you just give me money but I mean that's the I feel that there's


ya ya ya, ya ya ya ya I think they'll


ya ya so cash and cash vouchers so ya, okay next what is your biggest blessing in disguise best what blessing in disguise biggest, in disguise bigger blessing in disguise


okay maybe you can come back to that later I guess, comfort food that you always rely on to cheer you up okay I would say chocolate chocolate ice cream anything chocolate I think is is good for me I think chocolate you can't go wrong with it lah is the taste is just around the same of course depends on whether is it


dark chocolate or white chocolate but ya it's a comfort food that I always rely on lah to cheer myself up I guess otherwise actually any food also can lah to be honest as long as it's good enough ya ya


ya ya I think all of it is also yeah ya ya I also think like anything I can find in a fridge, oh okay, what do you love


ya, K next is what do you love yourself, I think I love that err, I love to travel a lot does that does that answer your question uh okay I love that okay maybe the more


the more , ah maybe the more personality lah maybe I I like to explore I like I I love freedom so, and I I think travel in a way provides that that kind of opportunity for me to actually explore and have freedom lah so


ya I think that's what I like about myself and I really love to explore I really love to find out new cultures and new places ya


ya right, describe a time where you get appreciated


ya ya, for me maybe right now like my current like internship, so I like I do feel like you know when you put in effort and like your your your boss or your superior like actually appreciates that lah instead of like just thinking that is you know like


you you you have to do it one you know what I mean I mean like yes ah you have to do it but I think a bit of appreciation for that extra mile that you put in or , you know the extra step that you take to actually make things even better or to actually help others or to get out of your scope lah to help others describe a time I think ya so there was a time I think like I think I was uh


we are supposed to design like a email template or email marketing scheme and uh the designing wise , I think the the card the designer himself was was pretty busy and he didn't he didn't have time to like kind of do do this up so and the whole thing was very pretty urgent so what happen is I I took up the job lah when I went up to I went to tell them say eh actually I I do know how to use


adopt adobe illustrator but technically it's not my my job scope because I'm not in design so but but I I don't mind because I I know how to do so in the end I took over and I think I did pretty decent job and my my boss was, pretty happy about it


ya so I think you know I I feel appreciated for that at least and , of course in I mean right now you can't really appreciate somehow in gifts and stuff like that, so it's mostly like just words uh we we are working at home so she she said like oh when you come back I treat you bubble tea all that stuff like but we see lah see we see whether it happens


ya but ya ya I feel appreciated for that I think it's just very simple thing like, ya let's get, okay describe your what, oh I think , !wah! never really think of that before


maybe


ya I think that's very similar also I think preferably in singapore honestly I have nowhere I've no nowhere that I really want to go ya nowhere that I really want to go , maybe a perfect day will be to actually get out and like, eat like some nice food and then maybe the rest of the day just chilling somewhere else ya and just just to relax lah


ya that's about it overseas wise yes like I mentioned just now just just going around places exploring talking to new to tourists talking to people local people I think that's that's a perfect day for me


for overseas lah in singapore just chill , describe a moment so describe a moment when, things turn out better than expected !wow! , I think for us it's just results lah, right it's like you you realize you don't you didn't put in enough effort you dare you never really put in effort for sit a particular module particular subject and the result turned out to be better lah I think it's quite common


life wise ah I have no, specific moment that this actually happened is mostly just results I guess ya ya I think we let's move on err describe okay let's maybe we describe one of our man most memorable travel experience


most memorable would be actually going to if you talking about just experience like scenery wise I think is iceland ah I do get to see is really totally different environment from south east asia from a lot a lot of places is


it really look like mars over the hay side the whole terrain is so creepy I think creepy not in a bad way but it's so like it's so different until you you feel a bit weird out there and ya and, uh it's memorable because


like what I say the terrain is very different and you know everything you see there is very different they do, you know the overall experience uh things are expensive crazily ex expensive there but yet you know, the quality is is good everything the food eat there is fresh you know they have really fresh lobsters sandwich and stuff like that


and also we we we did a road trip there so you know driving around and like chilling you know playing music looking at scenery and just nothing in your mind I think that was one of the most memorable experience lah, ya the weather is good also so was it's it's a plus is is a addition


ya good experience for you, oh I thailand is it was it thailand


Khao #khao kho# is it


oh ya oh ya oh my god ya so basically like, basically like our drive our kind of like our driver or our tour guide for the trip cancelled on us, when we just as we reached there at five AM by bus so we took a we took like a a city bus that travel that bring us there at five AM and it got cancelled


ya so like literally there's no one in town so we decided to camp at a seven eleven so what happen is we camp at eleven then the cashier kind of know that we kind of ask ah why why you guys camping here don't you guy have like plans or whatever stuff


ya then we talk we talk to him then he then he he just say okay never mind I'm just going to end my job now and like I will just bring you guys around, so he's crazy lah so he he turn turns out he's actually the boss of the seven eleven so ya he he he just he just pass his job over to like some random guy like he he he just started his car at the back and we we just move off ya so


that that was also memorable, ya ya ya ya ya I can never imagine that happening in singapore lah imagine you tell like ya


it's like you telling like a seven eleven guy in singapore and say I'm lost then he just, drop down drop everything and just go out ya ya ya that's also one of the memorable one, okay let's move on what is !wow! this one a bit tough okay maybe how about the last one first what what did you used to hate as a kid but but now love as an adult


ya I think that's more relatable though how about maybe you can talk about that lah I mean, durian


maybe you sen your senses heightened over over the years


what do you ah what I hate in during kids ah, !wah! ya what do what do I hate okay maybe lah, I guess I kind of hate school right I think everybody hate school but right now I think I I love it in a way like you know I know that at least


I think we've got cause when I do when I do intern and stuff like that I realized !whoa! actually the workplace all there might be might not be as good as, as how's to say as good as what we perceive it to be lah I mean there's a lot of factor that plays a part also right in your workplace you know people and stuff like


but I think in school I think things are way simpler okay of course there will be like complicated stuff like project teammates and stuff like that but ultimately the route is very simple you know, you just doing you just I just learning things rather than I think as a


in in a workplace, I guess , it's more like doing already so ya, ya ya that's so I think for school wise I used to hate it but right now I think I I kind of like love schooling I love I love to learn ya I love education as a whole ya


eh eh ya I get ya ya ya ya ya actually ya I think I think that makes sense, ya ya bro


okay make sense ya ya actually as a kid maybe it bored you because you are taking like seven eight subjects during secondary school which is crazy, ya ya so as when you when you come to come into like uni you you do actually learn things that you really you are really interested you know


okay what did we miss just now ya what what did we miss just now who you thankful for how we just what are you thankful for okay that's quite, yip generic what am I thankful I'm thankful for a lot of things I'm thankful for people around me I guess


people that has been showing support and just being there lah yes I mean it's also like a at least age also in uni or in in this point of your life there's a lot of there's a lot of, bombarding plans you know like what should you do you know in in terms of job you know right now uh COVID situation how how are you going to get out of this how are you going to find a job and stuff like that


so all these problems but at least you know I'm very thankful at least there's a group of friends , people who actually cares about you and actually offers, to find solutions or offers to actually just talk about things ah I think you don't have okay honestly there's you don't have to find solution for me but you know sometimes just talking it out like


clearing out your thoughts is actually a is a good way of of seeing the path ahead of you I'm thankful for that I'm thankful also for, being in this country lah I mean like honestly, I mean security is number one you know you you don't really have to care about any other things in terms of security you you can just walk out at night holding your phones and your wallet in your hands


I mean these are a very like things that people take for granted but I think we should be thankful for as well think err, ya family family also very important ya wait


ya I think that's one thing also but okay to add on to my point about the country but okay I'm I'm not like a super don't don't see me as like someone who's ya super I mean I am but it's not like I'm not try to like, you know like I would say because of the like currently you don't you you see the around the world there're so many like


news you know in US you see the second wave of COVID you'll see people rioting and stuff like then you you are just sitting at home and you look at your surrounding there is like is like so nothing happening and it's so safe and like so secure you know, you you look around like every other country it's like you look at hong kong you know the the the part where you know the riots the security law and and like you just think a while and back then in singapore the only thing where people are right now are just


just everyone is like people are just complaining but there's honestly like not much things right now lah I would say right now in this COVID I think in in such a uncertain time I think in singapore is one of the most certain I guess


ya there there are still problems I mean like ya ya just I mean overall there are still problems we are still in a recession and such like that but, there are no additional you know like riots uh, ya ya ya ya ya ya that that there's going to add on to the problems that we already have can you imagine


so like you imagine in US the economy is already so bad and yet you know we have this wave of COVID we have like riots we !wah! everything just adds up already is really I think it's pretty suffocating right there right over there, so at least here you know we we just know that eh economy is just bad lah and I think COVID is more or less taken care of at least ya


I think like for me also about the same cause like five years ago I think I should like read more about like


what the different banks like saving plans, cause I think a lot of singaporeans are like very used to just putting their money in POSB cause like then just like national bank that everyone is quite used to but then if you like read read read up about it like their interests rates is not very high


as compared to like the many other saving plans available in other banks so I think I advice I'll give myself is to actually start reading up, on the different saving plans available, so


ya, yup that's a advice I give myself uh ya, okay


uh I think it's the same for me I probably get like a financial adviser because I feel like they would know what I like the best plans out there that like suits our needs or like whatever condition or situation we are in cause I feel like even as much research as we can do we are still limited


on like the knowledge in the financial industry so I guess, having a financial adviser they probably like got more experience in this field so I think they will be will be able to give us like the best plan lah ya


ya, true and I think like also cause like financial adviser they I mean they're still out there to like earn a commission so I guess like getting like either a friend or someone that you can trust like


kind of benefits you lah like at least they won't like try to push too much I guess ya


I think it just the question like how much of your income is allocated to savings expenses and like insurance investment, ya, I I I guess oh okay


uh I think for me like I don't really have a ratio for myself but like I'm not working now also ah so I guess my only income is like, from like my allowance from my parents , like, tuition then like I doing like a side like business on instagram so like that's like my source of like income I guess so


like my savings I think I usually , like I just tend my expenses I'll set a budget every month so like oh how much like I think I will spend on food, this month or like how much I'll spend for like shopping or like groceries whatever or like public transport so like I was like I use the app seedly so like I set a budget and then I can always keep track or like am I like exceeding the budget or like anything so like


I think it just ah give me a very realistic like guideline of how much I'm spending every month then I can like adjust and stuff like for the next month ya


next question what can you do to earn extra income or improve your income level


ya I I agree with you uh I guess like there's not much, like I would say and I think like maybe another way like we can so called like earn extra income is maybe to like invest like like in a different the different plans out there like ya uh ya


ya I think for me also about the same so like, like as I said like just now I use the seedly app to like control like uh like plan out the budget that I I for each category for like the coming month so I just make sure that I spend within that budget then whatever extra is like my savings ya


so how do you spend your money which expenditure is justified and what have you been spending too much on


ya I agree like I've a large part of my like budget that I set for myself is mostly on food, but, also like I think once in a while is okay to like splurge on food then it just like you have to like uh readjust your spending like for the next few meals and stuff like that ya then I think for like transport I think cause like we are still students so like


we can if it's more convenient for you then I'll probably getting a concession is like a good way to save money or not we'll be like we will be charged the adult fare which is like not really like very budget friendly I guess ya


ya, ya true, spend on vice


they're opening up soon eh


ya, I mean it it's always just to keep like a clear budget lah of like how much you want to spend ya, so next is, what strategies will you recommend to someone planning for their


big ticket expenditure, okay


ya as in ya I I agree with that lah probably you just plan within your means and like just do a lot of research or like the different options out there ya


okay so how do you manage your financial commitments before and after marriage


uh I'll guess like I guess like after marriage you think about like your kids like education so on and so forth ya okay I guess I would say like be prepared with your partner like, I mean there are like insurance plans out there that keep a certain amount of money set aside like uh especially for your your children like education or whatsoever so I guess like planning early and buying like insurance for for your kids future is like


I guess that can be a part of a financial commitment cause I guess before marriage you only think about like yourself right so like after marriage you like ya you take into account the future of your children ya


I think I think as okay I'm sorry ya you want continue uhuh as in like for me uh I just think like the saving part wise I think especially cause like


err, like cause of this whole COVID thing then that's all like interests our interests cut for like the banks' accounts and uh banks' plans and everything so I guess like , like what would I do


like what would I do is I would uh like go research more lah on like the different saving plans available ya


uh I think ya same I guess like if you're thinking of retiring retiring early always like I guess like cause CPF you can only take out after you are like sixty five right so I guess if you want to retire before sixty five you need to like have a backup plan of like a savings


ya and I guess like there's a lot of like insurance plans out there that actually allows you like to help you prepare for this lah so I think a good way just to like look at all those plans available ya ya


not planning


ya I agree, I think I think it's about same like ya I guess like just do on like research on on the different like stocks and stuff ya


cause like to accumulate money like I think just having like a normal saving plans like in like a bank is not enough ya as in that they just to like that can help you save money but it won't help you accumulate wealth ya


ya so, what advice would you give to someone okay sorry ya you want continue


ya I I guess I agree ya nothing much do you think one should own a credit card, ya


true


ya ya, I mean also like credit card like I guess like as students I mean there are those likes uh credit card especially for students that kind I guess that is just like a good way to accumulate like, your what is called like your credits cause like


I mean like further down the road you probably want like a higher tier credit card like if it's within your uh spending budget so ya so uh as in you spend it you like accumulate that credit like profile I guess uh like for the credit card company so


I guess just uh be very wise about like how much is spent and just be very conscious ya, ya, ya


negative experience in your life, okay


I I don't wait I don't really have I guess like ya okay what makes you stress


ya I guess also like what makes me stress is how uncertain I am about my future cause I guess like there's I guess there's uh we have peers that , that they they know what they want to do in the future and I I just met up with like my friends yesterday right so we just talking about like


or like what kind of jobs uh where do we envision ourselves to be like, next time right like maybe like five years from now and like one of them like she just she just super certain like oh that's a field she wanna work at because like she is passionate cause so she was at like


I under social work right so uh she she very passionate about helping people with like matter like mentally disability that stuff because now she is interning at IMH so she just say that she's learning a lot every day and like


she just uh she want to work at that field because she's like very passionate for it ya so like for me I just like, but I don't really know what I want to do like for my like what kind of job I want to do or like, like now I I feel like now I'm just


but I just going through school for the sake of going through school like I I enjoy what I'm learning but I just, don't know what I want to do like for my job wise ya so I think that kind of like stresses me out like in a way ya where I compared to where I compare myself to my peers ya


how about you


having you back forever


okay


uh for me like err okay like I guess it depends on what's my goal but err


okay I guess like like you said career wise I would say that my own, like uncertainty lah I guess there's maybe part only part and cycle hold me back like I'd I don't even know what what's my goal like career wise so as in I guess like now I should start like planning and like I mean I been like looking around and like reading out but it's just like


I kind of know like what I want to do but I just like kind of not, very sure of how get how to get there, so I guess like what I can do is like probably research more, ya I know ya


uh okay


on the script should we do the describe the saddest scene you ever witness I know cause like the uh okay wait okay I I guess like


uh like you know like when you like walking around on the streets then you'll see those like uncles or aunties they selling like tissues, or like even like old cleaners that they like they're !aiya! cleaners at the coffee shop like hawker centers right I think like sometimes it just like makes me reflect like


like oh what if that's me like in the future obviously that's something that I wouldn't want to do lah I'll guess like when I'm old I would want to retire comfortably so like it's kind of sad to see, to see that some of them have to result to this in order to like keep their livelihood you know like and even some old people they they probably don't even have like CPF cause before that they probably


like they just uh don't save and they just live like pay cheque by pay cheque right so ya it's just like, quite sad to see that there's some like elderly who are like living their day like


like this I guess, ya and like just make me wonder, like, what what're the like safety net available that like for them to that like give them the support lah that they supposed to have ya and it I also feel like


a lot of people they don't really, like didn't really think much about it I feel ya and like it's it's such a common scene to see like, elderly like being cleaners that the people don't really like sacking question it you know what I mean like people just like ya they just assume like oh this is kind of a norm but I feel like a lot of young people


they don't really see it as a problem when it should when it should be a problem ya that's how I feel, ya, I don't know how about you


okay maybe not saddest but like just like a sad scene I guess, okay


socially


ya but I guess like in singapore like I guess this whole COVID situation like brings light to their situation I a lot of people like advocating for them, so again I guess there's like a positive step towards like eradicating that that that discrimination I guess ya


ya ya, why


oh no, true


ya like rejected ya


uh I think for me I don't know I guess is like your personality but like I kind of just live day by day sort of like I I guess I don't really think much, ya ah, ya


okay, saddest change but will never be able to love uh, I think no I think like everything is I mean if there's a will there's a way I guess


so, I don't have any specific thing that I could think of as of now


ya, ya


okay I would say maybe, uh for me like dance cause I ya cause like, like I will say lah I'm very average right so like


and there's a lot of like very good dancers like among my peers right so, it's very it's very easy to compare like yourselves with others and especially like, a lot of dance instructors they do tend to like show favouritism to like other people right


for me to like the better dancers so like it is it makes it very obvious when you know like a certain dancer is very good compared to you or like compared to others, so and like I feel like dance is is an art where there's always things to learn about and there's always things to improve


there's so many techniques out there so many different genres, so ya I feel like, like okay even if like I improve my technique to a certain extent, but there're still like so much more I can, do better or like uh my peers can like do this and I can't do that you know that kind of thing so like at like at a point in time I there was a point in time where I just felt like


like should I just stop like is is not really like, going for art obviously I'm not like pursuing dance like professionally but it's just like, like a side hobby I guess, but it's just like it's ya you just have sometimes I just like oh should I just stop cause like


obviously I'm not like super good at it but I guess like now I just, I think about it more of like, either way compare I will still compare but like, I try not to beat myself up for it like if I know that I'm improving then I guess like that's already like a step forward for myself ya ya how about you


ah ya


ya, I guess that's apply for a lot of things lah ya so, I think we just the uh reflecting upon ourselves and like knowing where we can improve on so like in the future uh we can be a better version


positive experience in your life


ya okay I will say like ya ya I would say like probably a best birthday present probably I will guess something that is like handmade or like handwritten that kind of thing I think like those holds


holds more value then like if you buy like just something I don't know like something random lah ya ya


you can spend it, I know it true true, uh eh wait I wait I think I know what's your birthday birth best birthday present you know the time


they give you the travel vouchers, like scoot ya I mean like you like travelling so like I guess like that and that's actually like a good birthday present for you ya


damn I don't know what's sir


okay K what's the comfort food that you always rely on


okay I actually same ya, uh I guess I don't really have a comfort food to be honest like uh I I just eat everything ya okay I'll guess like ya okay home cooked food I guess, maybe ya just like


anything from your mom yeah okay what do you love most about yourself


personality or like physical trait I guess


uh okay I guess for myself is err, oh my god is damn cliche but I I will say like, that I'm very like easy going like I guess like okay like I'm kind of like an introvert also right so like, as like easy going as in like I don't really like


I try okay I try not to like judge people like first like first hand like I'll try to get to like know them first and like and stuff like that so I would I would say that I have a pretty good relationship like people around me lah so ya I guess I guess that's something that I like ya


okay describe a time where you get appreciated for your hard work, okay I would say for me right is the time I work in uber as like like the customer service front line right and cause like


uh like what what I do like my job scope is still like like those like drivers right they actually when they got issues then they will come in and like so called like complain and stuff lah so I think what was very rewarding for me was like when


one of the drivers who come in like I solve their problem whatever what or whatever right then then they actually say like thank you or like, like cause I think some of them they come in cause of like money issues and stuff and I guess for them cause


being like a drive being a driver or like the grab ah I mean on the uber app right is like a source of income for them so like when their issues get solved they sometimes they get like very touch and stuff so like like I guess that's very rewarding for me, that, ya like when they actually appreciate us cause I guess like some some of them the experience can be like quite bad like they were like scold you like even though it's not really your fault you know


ya but like ya, ya how about you


perfect perfect day


right out it's okay okay I will I will say for me is, okay like okay in other what context okay if it's like in singapore right I would say a perfect a perfect day is probably like waking up late and like chilling


and then watch some shows basically my life now ya okay but I will say like uh outside of singapore context right I would say like, like a perfect place that I want to be is probably like somewhere like with very nice scenery and you know just like reading a book outside and like I don't know like you just chilling outside ya


nowhere to go


things turned out better than expected, true


ya, same, can't really think of anything, ya


travel experience


okay uh I think for me is uh okay what what's the place that we went to where we camp, ya ya ya the one at thailand ya ya remember the ya ya #khao kho# like basically I think for me that's like something very memorable cause I mean like that time we went there and our driver cancelled on us on the last minute and then


we have to like find a random driver to take us through like the two days because or not we got nothing plan cause like there there's no like, uber or like grab or anything over there it's like high up in the mountains so ya it's high


and we reached there it was like it's still dark like we got like we had nowhere to go, ya


places to go ya, ya, ya ya ya


ya, so for me it's like very memorable ya cause it's like I don't think you will actually like find someone in singapore who will like drop everything in their life to like to accompany like a traveller ya so I guess I guess that's like is a very a very


ya like imagine I I really cannot , ya, ya he can bring you around ya, ya okay


ya, okay, what's the, okay basic oh shit okay when there love is !wah!


okay but I know what I used to love I cannot love but like as a kid but hate now is durian, I don't know why but I ya ya I I used to eat durian like when I was a kid but then like I don't know lah but now like I don't know is it the texture like the smell


that puts me off like I just don't like it anymore it's just like so weird but I used to eat it as a kid I don't know eh is super weird dude ya I just, eh I just don't eat like but my whole family love it, so you know durian season right okay they keep eating durians I'm just like not for me but ya


how about, I don't know what as a kid hate but I love now


okay, ya


oh my god such a good boy no lah but I think I also like a thing is I think like last time as a kid where we learn or like in primary secondary school that kind is like we are learning things that we don't really like have so called an interest in but then I guess now


like we are learning in a sense what we have a passion in ya so like, ya so like, we actually enjoy learning whatever that we are like learning now, like I I actually take I actually take a time to like


maybe like go read up more on like the topic or whatever ya, ya right, ya it's like what size those are very general stuff I guess


okay we can look at other questions, I think you can look at the chat uh okay sure


ya I was about to say that ya I I guess also like cause like before COVID like I guess like we we used to like keep going out and stuff like okay for me lah I don't really likes


spent much time at home I guess like ya and like even in school I'll like get like stay at school for very long with my friends and then like get home very late like I think I hardly ever see like my parents or my my my family


like I don't even eat dinner at home that kind but I mean this like whole COVID situation like, forces me to stay at home right because of the whole locked down so like I actually get to spend more time with my family and like, ya like my mum like always tell me like oh like she's so thankful for COVID cause like she can finally see my face at home that kind of thing so like I guess like it just something like reflect on like you know we we always like keep wanting to go out like to the world but you know if we forget about like our family


ya ya ya ya, patriotic


ya true


the riot the civil


ya, pour it ya like the more stable the most stable one ya


like security wise I guess right security and safety wise, true ya


ya, true true


okay okay, uh jasmine you want to go first, you go first


uh yes and I do think uh not just LCB have OCBC has it there are many banks that offer this same feature


I will see how is the uh interest paid lah, and what they offer like if they have uh better offer or offer that I like I will I will apply for it lor


so far I have not have one, , ya maybe, ya that's right


but true I agree with you maybe later on ah, ya when I uh settled some of my stuff first lah before I I go on to sign up one, maybe you can later tell me more details about what OCBC can offer


, but I do have a OCBC account lah actually, I think can easily apply online, !huh! sorry, uh not so much with OCBC lah


ya I do have uh investment fund with maybank, , oh oh oh okay, uh for the maybank a long time ago lah actually purchased the unit trust


but it now the market is not so good mah so I just leave it there first lah because that is the money that I set aside which I can manage lah, I mean if I sell it now I'm going to make a great loss ah, due to the COVID nineteen lor


uh ya correct I agree ya so actually my, (oo), ya for now I'm not sure lah but my fund manager uh is always updating us not to do anything yet because the market somehow will will be a


uh, the will be up lah the market ya it will not be always down one lah, so so if we found uh a jab ah for the COVID ah, they are going to find one right soon eventually then things are more like settled lah


so uh, ya for time being, ya, but actually it has improved already lah for, uh the increase lah, ah you saw right not bad already


, uh I he has a link ya actually I can go to the link and and view the price, ya, but the price has been uh going up lah so not not not not not really


so bad lah ah not that bad lah, , you got debit card right, but !huh! you didn't use ah


!huh!, !huh! no lah some of the like, no lah debit card is only good with the shop say eh below five then you can you can't use credit card or what then I use debit card lor or the paywave lor this one you already know mah correct


ya because debit card is direct debit if it's small amount it's okay, ya but for credit card then I will see lor I see if they have better, I prefer cash rebates ah like uh OCBC three six five


!huh! promotion ha, ya lah ya lah true lah but, but, uh no point, correct ya you you you you you will have three six five OCBC three six five, then how I know you have one nah


but the features ah oh okay, , oh is it so I didn't know leh, but they do have cash rebates lah very little lah


ya lah ya lah ya , !aiya! I haven't own an amex card, yet leh


ah annual ah, annual membership is it, !huh! they are quite what oh


eh but you do you pay for membership for credit card, normally they will waive you know so far the bank will waive for me, ya lor that's true can't say ah, can't say


ya but have know of people who pay you know, for it ah, one of them is my husband lor, last time lah long ago, !huh!, don't know last time I said there nobody pay for annual fee one lah say pay then don't want lah tell them give up lor


I have a friend ah talking about amex card ah remember her ah last time uh my ex colleague ah she she she will cut the cut the card into half or quarters you know and and put in the envelope and send back to them you know then a few times she


ya a few times she does that no she did that you know they you know what happen, that later ah I learned that she said they they they are, uh how to say, ban her they banned her ah I'm not joking when she apply ah they they don't want to give her anymore you know they refused to give her


no but they she cut into she cut into pieces leh, !huh!, no but it's rude lah fine, you don't sign up that's all lor you cut into pieces and send back to them ah I find is


I don't want lor you don't send me lor I mean to me I read it that way lor, if you don't want you just don't sign up that's all lor but if you cut the the card into pieces and sent them back ah meaning you you telling them why you keep sending this type of this type of thing


uh I rejecting it, ah, ya she told me I I was like !huh! I also like quite shocked to hear that because for me if, ya for me if I have if I receive uh cards that I the bank send me ah I don't wish to find I just leave it there lor


I don't I don't go and activate lor, ah but to tear it to cut it out is a bit way off lah, ah, , I think so lah last time got enclosed envelope the written envelope mah yourself return now don't have already right


that was long time back already ya lor , actually we were talking about credit cards right so you say you don't like the OCBC three six five right but


like I say they have uh rebates in cash form lah cashback ah uh not so much for the points, and miles ah I don't I don't like miles you know miles how to accumulate I never I have never done that


the uh for credit card lah the visa card, you you you ever claim miles or not, like krisflyer lah miles, ya miles like very difficult to, ya like need ya reach a certain points right then you can do a claim right


ya, so you normally prefer like citibank ah citibank got the reward uh you can exchange for vouchers and things like that, ah, I used to have lah but now I stopped for a while but recently I


!huh!, oh you don't like so which which do you prefer which card do you prefer, oh okay oh oh, or you want the immediate rebate lah


correct, , true lah ya correct, but do you have a loan ah taken out from the bank so far


car loan ah ya lah can also credit limit credit loan


!huh!, what what loan what loan is that, oh and that I have never I have never, !huh!, oh only for six months


oh okay, oh (hmm)


but now bank offer, they always say interest free ah sometime you have to read in between the lines you know they have fine prints leh, oh they always send me then I tear I mean I just tear up lor because, I don't need loan lah ah


ya ya they have admin processing fee correct, , then ah talking about joint account right, I have so far maintain, uh one lah with my husband ya


so ya so uh, not so much ah it's actually for the GIRO uh GIRO payment for our, HDB you know stuff, like that lah ah ah


uh, actually it's a combined it's a combined uh no lah I want to share with you it's a combined thing lah like couples do ah, but uh but actually is by, by chance one ah last time uh my husband actually didn't quite like to have a joint account


I'm just sharing with you lah, cause sometimes couples ah they there are some who like fifty fifty you know, they like to share their uh what what do you mean what I mean is they like to combine their finances and they they actually


bank into the same joint account, but I don't do that lah, for me and my husband ah, uh we have a joint account by chance ah because last time we have some funds ah I don't know how we got the fund then it had been the account has been active for until now lah so we use that account


!huh! !huh! uh this one ah OCBC, ah uh, I don't know lah it's just as has it has been there for a while I just don't want to, because a lot of GIRO uh


that is done there you say like told you the controversy of these government, uh very troublesome because all this uh uh housing related uh ah by payment lah payment, so all those ah


correct so just keep it there lor but you will try to maintain a certain amount because if not otherwise there will be interest charge ah not worth it if you fall I think you fall below one K they charge admin fee, ah ya


ya have to maintain it lor but normally my husband will do the top up lah once awhile I will do lah, you have any friends that,


savings account ya everyone should have lah, ya everyone should have lah, ah, correct agree, ya like investment all these like


term deposit, fixed but the fixed deposit now the rate also very low lah


how many percent, oh oh okay


okay I see which bank is that, which bank you are you are you talking, !huh!, three sixty ha oh they have three sixty ah, okay


oh okay I see, I have I have I owned the card only long back, they have been renewing it for me, don't have oh, oh okay I always use their card lah off and on the use,


oh I will think about it lah, , not bad lah ha they have uh, ya lor quite true lah


so this one is a salary crediting or you can, you can put a sum of money that you, prefer


like is there a preference or it is just a direct salary credit, options, oh I see


it has to be higher every month is it, oh okay, so it's a a sum that you put aside lah


oh why don't just keep the account for the, crediting instead, don't don't use it as a daily transaction lor, oh, oh but it's not direct salary crediting right


it's not a direct salary crediting right, oh so that means the amount is set by you lah, the the sum of money, full ah


[orh] so good ah, I didn't know leh oh they can't, oh so you yourself go and withdraw and put in lah, oh ha ha


I see gotta tap your phone, oh okay lah just like a bank that is uh you selected lah, ya lah I know I understand lah


okay lah, higher interest lah


stock market ah stock market, US ah, !huh! no lah !huh!, !huh! no


no lah not cannot say lah no lah so once a while lah, but very little lah, get or not now I worry about them, !aiya! no I I I I, I only have one or two shares


uh in the stock market the the STI that's all, I dare not play , no a lot of I think need a lot of a lot of uh monitoring monitor I need to monitor, , I don't have time for that lah


I'm a quite a lazy person you know right, index ah ETF ah e ETF ah no lah hor, oh


but actually ETF is better than unit trust hor, but, no but I heard from the, I always listen to radio broadcast ah I mean radio lah they said the the ETF ah is actually quite safe eh, safer than unit trust eh


, , dividends I have ya ya ya true true true I have, ah correct


ah I have ah ya lah ya lah, ya ya ya ya


ya that that's why I like I say I don't really go into stock market lah I only so far have one or two shares that have been keeping ah so far so good lah, ah one or two only, long time one that one because it's a technology one mah


uh quite quite, uh there were down times also lah but the price so far I'm quite comfortable lah I'm not a greedy person enough lah, thought of selling leh


but not not not not now, no [lah] they pay dividends [mah] if I sell, quite good dividends [leh] (mm)


can hear not, okay, ya


okay jasmine why don't you start what are your negative experiences, you start first lah


okay what happen , too exhaust ah, we missed out a lot


you <mandarin>熬:ao</mandarin> ah, ya I think you should spend more time,


okay , I think you put too much uh, uh, time and your effort


into your job when you're so busy, and so and engrossed in your work you forgot about, what is life, ya ya I think so


I think when you work work is not everything right, you have to balance off right, , but it's a good thing you, you quit the job lah, eh how you worked there many years already right


or short time, , two years like that lah no it's quite short stint but not so is a quite a negative of uh experiences you have lah


for me uh, ya if you put so much in it ah then in the end uh you're not appreciated ah, ah


ya and they don't appreciate what you do, uh and they make you handle a lot of uh shit sorry cannot use a lot of uh work thrown to you then then you cannot finish your work on time you stay overtime you try try to finish your work staying overtime uh then there's no


life for you lor you cannot go home on time to have your dinner, ya correct I always believe in work life work life balance lah, because for me I'm quite a, uh if I don't like the job I cannot stay one lor I I will just leave lor because


I'm like this because I won't throw myself in so much effort uh like if my boss don't appreciate what I do, if he if the my boss say things about me like, negative things then I'll feel very negative so I will quit


either I quit or I call it, I will just, I just go lor I I mean I'm I I think I don't want to waste so much time lor because in life uh work is one one one part of it lah, I mean you can work for life but, the job if sucks ah then no point continuing lah


that's why I no job, ya


giving in a lot to the company, because you are think you're still thinking for them mah, ah, ya but I think this one I'm quite uh, different from you lah because for me a job is a job lor if it's either you like it


or you don't like it but, especially when there are a lot of politics uh among peers ah especially those same level one ah I cannot take it lah I'll quit because no point ah it's very stressful lah for me, ya so these negative uh


but but I think negative uh effect ah, can affect your health also that's why you you you, ah that's good ice cream help you to


de-stress, eh but you have been eating ice cream all the time leh, eh but you have been eating ice cream whether even in the middle of the night leh !walao!, oh


ya I find that ice cream quite, ya chocolate ice cream all these ah sweet things ah sweet stuff, quite good for the mood hor, it will you will cool down right


oh !huh! !aiyo!, eh I have a friend ah you talking about ice cream ah she can eat the whole tub one know you you you too right, who, eh whole tub uh I'm talking about the big one eh not the small one eh the five hundred ya chocolate I think she likes chocolate I say !huh! if for me to eat the whole tub ah


and I think my nose my sinus will get get back will come back now I skipped a beat [orh] I scared cause my recently my not so, good ah my my sinus, uh when I having my sinus ah feel very negative lor it will affect my mood lor


it will affect, uh uh the sinus ah, sinus uh touch wood lah I have not been getting for quite a long time


ya uh quite good uh for me as, compared to the last few years or last, many years back because uh when I was working contract basis with this uh bank ah uh bank ah ya bank


ha , for ten over years I cannot taste food eh, ah that means what, not say taste cannot, feel the taste of the food how to say ha like can taste salty, sweet ah very bad leh so bad and so bad until I have to get my blood tested they tested my


blood, for a hundred bucks lor that is I'm talking about twenty years back, then uh at #khoo teck puat# some more with a specialist but the result didn't show anything it just said I have polyps in my nose, I think there's uh polyps you know right like the something uh growth lah inside then I ask her you know


I ask her the specialist I say so should I have it removed she didn't even answer me you know so, I never follow up with a or they didn't even follow up with me you know after that, hundred bucks and we'll just to do a test, and the result is they say I got polyps in my nose


so uh I I try to massage my face lah !huh!, my what, saddest ah,


I think my saddest moment is when my dad , uh


the when my dad was off and on, he admitted to the hospital


and (ppc) even now to, no it's okay


ya, okay, ya


, !huh! correct , , sometimes the things that you want to


uh change is difficult lor, ya especially , when it's in you from young, ya certain thing is hard to change lor like part of it is correctlor


ya ya


why don't you talk about yourself, what you feel sad uh the most sad things that you, oh ya lah old people ah (hmm)


but you I think you are quite lucky in a way because you still have helper, uh your mum is still uh can able to communicate lah, because


for their age ah sometimes it and your mum don't have dementia problem mah so far, because dementia can can is can be very taxing I have friends that uh have a dementia mum ah uh the mum was having dementia since her fifties you know


now she's about seventy already you know sixty plus I think, getting worse you know ya very difficult to control one so uh sometimes we feel very blessed also in a way lah, certain way ah ya


like for your mum case, ya correct, more uh more you feel lucky lah, ya true lah


, stress ah sometimes lor like work stress last time ya the last my last time the company I worked with ah for four years like that, very stressful lor like I say lor is uh the peers ah


the ah very political among the peers ah same same position so my nose ah my sinus was quite terrible until I went to see the doctor wasn't the doctor say they the doctor actually scolded me because they they asked me did you take


medication I say no did you spray your nose I say ya I do but I don't do regularly then he said you have to because your sinus uh it's not getting, better say I actually have to take the uh antihistamine, which I stopped taking totally because that one you take ah


you will feel drowsy you know and it's like even if I take in the night ah, uh it !huh! I don't know you lost me, I cannot see #li ting# because she's off the line lah


but she can hear us ah, but I'm in a small square you cannot see me meh she can see us mah , , we can't see her but she can see us lah never mind lah, ah, so I think ya, ah then


ya so it's at it's really affecting me you know I I I take so many MC I think and because I so stressed out lah ya I don't care any more lor, but !huh!


I don't care ah because you you are not feeling well you're you're you're moody then not nice you know not nice to show your face in the office by, , so what happens is uh, talking about the medicine that


take ah the antihistamine ah histamine ah, antihistamine uh, got sometime I got uh rashes also so if really I couldn't sleep ah I really cannot sleep for one uh more than one and half hours oh because I having sleeping issues also lah I consume only half


but, I don't quite like to take, effective lah can sleep but the next morning you got this , funny feeling lor like like not enough like then tires like tiredness like that feel like


!huh!, uh no at some time can, ya like I say sometime I I cannot sleep for too long ah really you have to get the sleep there I take but I have not touch it for so long ah because my I have sleeping issue all all this while ah since my thirties


ya in my twenties ah late twenties, uh actually the doctor don't advise ah, but I find a natural way lor at when I brush my wash my face uh two times a day ah when I apply my skin lotion I will do massage on my face lor because especially my nose ah


I massage lor then you improve lah I mean the flow better lah because, uh sometimes it's my ears sometimes it's my nose sometime throat maybe phlegms lah, but I hardly have sore throat I'm very lucky in a way lah ah, for you you you also have some throat issue hor


!huh! pardon bad experience ah, , don't have much already can't, !huh!


okay lah you leh, uh ya I think uh negative uh thinking also affect you, what lah then negative thinking is quite bad for your well-being lah try not to think negatively lor, what about you you like you like better than me leh you more positive person than me


ah quite positive I cannot find anything negative about you, !huh!, oh but I don't know why you can last so long there


also because of our age lah, we we are more wiser as we grow older ah, we become wiser ya


I I find I find like actually I'm quite a soft person, ya I quite negative sometimes lah when I hear bad news like just now you know ya so I have not been feeling like that before, I'm not so emotionally affected I got one period lah but


sometimes uh can't help it lor Bobian, cannot help it then, ya very difficult to control your emotions lah, last time worse ah my I got one friend ah she tell me you know juliet, you have to control your emotion because you are so soft every time ah anything sad thing happen or you talk about sad thing you start


like, your eyes turn red you start to cry, I don't watch uh, I don't watch like last time the taiwan show ah movies ah on TV the sitcom one ah, I find like waste of time ya because it's not realistic mah


!huh! I'm a soft person lah actually, ya I am lah, uh but other people see me like a like a very strong-headed leh my boss ever say as strong strong-headed level leh he write me ah in my resume oh he write strong-headed level level-headed eh he didn't say strong leh


this say strong I can be level-headed but I can be very soft at the same time depends but I'm a very uh how to say ah I'm not afraid of people attacking me one oh like like if it's I'm not in the wrong one I'll fight, I don't care I don't care you are the boss or you are who so long I have my right ah


I fight back ah I very strong in this part, uh I very strong in uh defending myself that means uh provided I'm not in the wrong unless I'm very wrong, you know what I mean so actually I'm quite good, !huh! uh ya ya


ya I quite strong character in a sense lah because over the years, maybe because of my upbringing also we I face a lot of difficulties in my younger days, you know you know right then a lot of hardships also lah I I was poor before it and poor as in like like


thing enough , my parents not uh like getting enough for us to feed us you know we we've been through a lot of hardship ah so, I had I ya quite a strong person by nature lah


my character lah so uh ya not a pushover lah what about you, ya so lucky lor


oh ya lah same what for me so you will attack back or not will you tell them off or what, ah, but you don't seem fierce lah you a bit strict only lah that's all


to me ah quite okay leh you you you you have a lot of uh, your assistant {hor] milo, but for you I I know you as a person who is a lot of you have a lot of patience guiding people I think you you got a leadership quality


you're a patient person I very impatient one know right I have a month to get my things done hor if cannot be done I get very annoyed one you know, , ah stopped already ah


thank you


okay, okay jasmine you go first, okay uh, the food that I like, uh I don't I actually


uh eat to live more than live to eat you know I unlike you lah , so I don't have really uh, favourite food lah but you really ask me, I like to, eat uh the #yong tau foo# lor


!huh! healthy meh, no the #yong tau foo# ah I like the one not healthy you know spicy no the spicy one, the, uh <mandarin>老:lao</mandarin> uh what you what do you call that ah


cannot say mandarin hor but eh not macaroni, uh, what do you call it ah #mee tai mak# #mee tai mak# #mee tai mak#, local term, #mee tai mak# ya, ah, soft lah and is spicy one


and is pan-fried one you know the, uh the famous #yong tau fu# store ah now, uh #mee tai mak# !huh!, they put in the pan and then they they put chilli and it it's like Tah one ya right


ah dry that one I quite like leh I I I can eat quite a bit I mean I always finish ah, no lah not fried one lah they it's cooked #yong tau foo# lor that that that store I cannot remember the name is quite popular one eh and food court also have lah Kopitiam


ah ah !huh!, correct lah what Ji ha what Ji ha, ah I, uh not so sure is #gao ji# but it's something Ji, I also like #qi ji# leh I like #mee siam chi# I like


ah maybe lah don't eat from there I like #qi ji# also the #mee siam#, you like right ya, but it's my one of my favourites also I can eat it once a week, when I visit my mum lah #ang mo kio# has mah,


ah correct ya got the three six five health points are more, , unhealthy lah like healthy food lah, I don't quite like barbecue food, I find it


heaty leh what, no lah not really lah, but you still you still do eat healthy food lah, , ya lor I know where you always go and run one right walk or run or what


I don't eh, I do it, but like !huh!, uh exercise there are many forms eh


ya, !huh! Bo lah I just wake up I do some sit up lor is like everyday every morning I will do [orh] almost every morning except, fifty times only lah, simple one lah uh


okay lah then I walk I like to walk I get at home I don't just sit there like now you know I'm sitting here for so long already I very, ah I walk about lah I I, uh quite true, that's why I don't normally sit there and do nothing but these few day ah don't know why


!huh!, ya what to do, (hmm) ya lor, got to find got to find some time and walk away lor go and take water or what lor, but lunch time you go out right you go and <mandarin>打包:da bao</mandarin> or go and buy food right


!huh!, ya lah no lah it's your our entitlement what, but I I, ya lah ya lah I hardly go out ah lazy ah, normally I don't lah I cook myself


ya ya ya ya, I cook simple noodles lah sometime ya just put some #yong tau foo# again vegetables I very easy one lah, !huh!, baking ah banking or baking


!huh!, I do lah I do lah, ah but must see lah if the not much things to do in for from office then I go and bake lor


ah, quite good mah baking baking is a, quite, therapeutic therapeutic ya, you also what right you do chocolate lava cake mah always show me


ya always show me, ya but you so, you so Kiang you so you so clever you go and teach her how to do then she do and then you eat, ya looks good that one I must try out later I get the menu from you


I must get the recipe from you, , I know you told me before right chocolate is the chocolate chips ah, correct the small one ah the you can buy from #phoon huat# ah


!huh! ah the rice, I thought it's the chocolate chips leh chocolate rice from #phoon huat#, oh, chips ah chips the small one they sprinkle on top of the cake that one ah, !huh!, the


ya I know the one chips you are talking about is the one that sprinkle on top of the cake that one ah, you buy from, then what do you buy, button type ah


from #phoon huat# is it, oh your side have lah, ya but my side don't get leh don't have the colour leh, oh


chocolate , bitter I like leh put more put a bit more sugar lor, oh


uh you have to I think you have to melt can can sugar the the custard sugar, ya, you will have to use caster sugar, I think because caster sugar is smaller lah


ah smaller grains I mean fine grains lah, I think I did some before like uh cornflakes ah chinese new year ah you, put on the the what you call what the paper one paper holder right


then you just boil the chocolate with sugar a bit then you melt it after that you pour lah uh you just prepare the cornflakes first then you pour onto it then it harder ah then you put in the fridge or you just keep outside lor, ah very good that one I think you will like


but you cannot eat too much chocolate lah hor, only lava to put, lava cake, oh okay ya ya


correct , , travel ah !aiya! so long never travel already I actually travel once or twice a year but due to COVID I have not been travelling for more than one year leh


uh my video like stopped already leh, don't know leh it's eight point zero one three six, !huh! !huh! ah


ah my handphone my handphone stopped already, don't know leh ah, ya just now something came in then I just, ah


oh sorry sorry then how, the recording ah still on four nine five two, okay okay okay okay


jasmine you start, you talking about uh travel ah, !aiyo! I'm I actually my friend envy me leh, because he's too I we can go just me and my husband mah got no kid so we can go anywhere we want so uh have been to europe


uh I cover uh, italy where else ah actually europe ah I want to go many places, !huh! germany yes, yes, uh ya I've been to germany also


and then US also long back US, ya uh japan many times I can go there every, every other year, ya I went I've been to Tokyo I've been to Okinawa have been to Hokkaido so many places to name ya I like japan a lot because uh like their food


I like I like the, the, I like to visit the temple lah the the, uh they call it what uh, shrine shrine (hmm) (hmm) they call it shrine very nice


I'm not a religious person but I I like to, very clean ya, clean and colourful I like, so nice I like japan, ya so actually after this uh whole incident is over I want to I want to go Bangkok


ha want to drive me or not, , actually their their COVID situation is quite uh controlled leh, compare to other where else


more or less that's why the Bangkok I think they now allow visitors already, I mean they allow, uh I for the time being I'm not planning lah and not planning for any travel lah for the time being


ya but if you for you, ya for you you what's your next uh destination in mind, oh you want to go which part australia you going, !huh! which animal !huh!


the koala you like koala eh I I ever carry very heavy leh, koala bear, it's very heavy cute hor ya, ah ya ya, I I been to the animal farms also very nice


I like goat eh actually I like uh goats, when I was in new zealand ya I sat on it I sat on it leh I I went for farm stay, eh sheep sheep sheep sheep sorry goats not


say wrongly sorry sheep, ya I like, no lah it's not oh I isn't it they they are very mild you know as animal (hmm) ya ya ya ya, so Cam I mean so pitiful leh when they eh


, when they remove the fur right and then also they, ah then they kill them to I I don't I don't take the meat though, I find very <mandarin>残忍:can ren</mandarin> because they go meh they go meh like that lor,


my mum ever tell me it's so so uh what you call cruel to have their meats ah because, uh ya lor,


, half halal, I do lah the mince meat I do eat lah, but very selective lor, like, uh mince meat noodles I don't eat !huh!, ham ham I do sometimes chicken of course ah I like chicken


I beef I also don't mind, I like these two ya these two lor, for red meat lor ducks white meat duck I also like you like duck right, ya I got a friend who dislike duck she cannot take the smell of the ducks the taste


uh ya I so used to it lah because uh due to my dialect group, Teochew mah, ya we we were trained to eat from young since young ya since young goose or duck lor we have been, consuming


ya , thankful !wah! thankful I have you lor as a friend, , so much to, uh okay lah


, ya thankful for , being able to do this now, , ah based on the association, one ya, singapore not too bad lah still can go out hor


actually the restriction like now, also better now lah but very crowded lah everywhere you go actually if you are, !huh! the what ya ah


they don't check now lah they after they open the phrase two hor all the people like crazy ya, a lot of old people is it, old people normally they ya don't know lah the situation so bad they they like not afraid like that


hor !huh! ya, that's why I tell my mum try not to go lor because we've got very low resistance, ya, you mum leh your mum don't go out right


oh, she go where, oh go downstairs lah walk walk lah, but oh oh


okay your helper bring her or what, oh okay, oh, you will have to explain to her lah


lah, you just said oh old people got, but, you just say if you old people low resistance better not to better stay stay away lor don't go out so often mah unnecessarily lor


oh ya lah ya lah I understand my mum also always go to the market market then I tell her if you are not well don't go because sometimes she tell me eh I got flu this and that the last time she went to the doctor ah, uh she went to her regular doctor ah actually ask her don't come if uh unnecessary then he give her a bag full of medicine because for their age they can very government subsidised ah so the medicine is quite cheap lah consider lah like one big packet lah


she told me only four plus only leh, so she would she would she was quite uh off and on having the flu right the nose sensitive like her I mean I'm like, her lah, ya so she she sometimes had throat uh cough lah cough also so she went to another doctor because the bad doctor she use to see ah ask her don't come you know so she went to another doctor the doctor ask her you know


uh you want to test for COVID then she tell the doctor what you know eh uh I'm I take the jab already eh I'm healthy you know I uh my my flu is due to my sensitivity of my nose you know she she said I don't want tell the doctor I don't want so cute leh


!wah! doctor want her to do he say I was there I was taking she know that if the doctor ah like making her like a guinea pig you know she she would think like that one lor, very smart you know quite quite strict,


ya can skip lah that one, correct, ya, ya do they charge or not, oh okay lah then why don't just


oh okay what not bad what then no need to see lor no need to consult if there's nothing wrong hor because if you go go there you still need to pay the consultation fees right, must self save some


ya ya actually you don't have to fulfill the appointment one you know can skip with your like my mum, that it ya, can lah, but actually you can don't go also just tell them cancelled lor but they they will tell you to call back during the COVID ah they don't even bother to call you you know


but they do send uh text text to me lah asking me your appointment then got the uh last time they ask me do you need if you don't need to, come you can choose not to lor then just reschedule then I did rescheduled but they they rescheduled for me


ya, september for my mum ya, oh is it so I don't know oh oh


oh must attend lah I thought it's just a follow up appointment mah, oh, I don't normally postpone either I cancel then I change the date, so uh so far lah that's what I did lah


oh, normally my mum will go lah, by hook or by crook, ah correct COVID they also don't let you to be there lah, correct


eh so what are your positive experience, ah ah share some lah , that is good ya


uh to think positively is something positive, , but sometime the mood is very difficult to control hor like yesterday my mood was very down I was, I never feel so down on a friday one you know


ya but but, I most of time I'm very positive, ya I think I'm quite lucky lor, ya to I I think I'm, quite, uh fortunate lah, to be healthy lah


the can eat what I want, !alamak!, ya is it so , , a lot hor (hmm), true lah


we we we actually have a lot of, things in common lah ha eve the character ah !huh! ya ya okay


okay I I can't do anything right stop also can't [ah]


you go you go first or I go first


have you ever heard of the uh salary credit, uh from OCBC three sixty, ya so how do you actually choose and decide uh which one you think is the best


, okay but right now you don't have any lah


okay so will you consider down the road, well since every month you have salary credited right so why not consider I mean this is a good option, ya yes


ya, okay, okay okay so


ya sure sure sure ya because I'd like to share this with friends, ya okay so uh oh, so what other investment you have, what other investment you have I heard you have funds right


, anything to share because actually I don't have any funds, actually I don't have any funds with banks


so anything to share, ya


I heard funds is like uh actually have to hold long term, before you see the result, ya ya, that's what that's what pulled me that's what stopped me from


actually signing anything yet lah, ya, will recover later lah


ya ya okay, so just she ask she advise you to leave it there until uh maybe


ya compared to the starting point lah ya, right ya, but he will update you the price lah every now and then or you have to actually go and look at it, oh has a link I see (mmhmm) pick up or not


very bad not that bad lah compared to before lah, ya okay, so what other things you would like to share, ya, debit card I have but I seldom use I prefer credit card


ya, you mean what debit card you want to share something, any Lobang or not


oh true lah true true, ya ya, usually we use credit card mah seldom we touch on the debit card, ya correct ya


sometime they have promotion right promotion then we use ah, !huh! promotion then we use lah correct, ha no promotion ah actually we will stick to their credit cards mah, have have ya


I have but I don't really like the promotion inside, , because they keep like changing, and then is for the worst not for the best, not for the better ya so


have lah better than nothing lah if you don't have other options of course you go for it but if you have better choice of course you go for other cards, like amex is very good I like amex ya, because everybody scared the charges very high


but actually it's the same !huh!, annual membership is high because, maybe last time long ago yes but now actually they are quite competitive, competitive compared to other banks


compared to the local banks, I don't eh, I waive lah who who will pay, I mean we are their customer for so long who will pay, if they say pay we cancel lor easy as that right


ya, really ah who will pay, ah, how come never consult you ah, funny right funny right


oh, you are not his uh financial adviser lah maybe, ya


so funny, don't tell her don't tell me ban her ah, really ah !aiyo!


but she's she's very honest ah to send back the card to them leh, by right just throw in the dustbin correct, then send back to them for what no need right, send back !huh!


oh but what is her intention her intention is to insult them or what, ah


oh you mean she she she just receive then she don't like the card she cut as cut it straight straight away and send back, !aiyo! so cute one ah your friend, first time I heard something like this


, I just log out lor just log out and don't see the card lor, hor usually is like this, rude lah hor, !wah! very free right put in the envelope all this and that put put the stamp


nothing to do, !huh!, oh now don't have lah where got all this, but your friend so cute, okay then uh what else you would like to share


yes, yes, I don't know , maybe you know why because they they


which one, ah ah why, I seldom leh I seldom lah usually is uh cash rebates ah


difficult to reach difficult to hit, ya then end up is like, you know you wasted all the whatever miles you have


oh the points ah, uh actually I I don't leh, I don't like I don't like, I don't like to actually have to log in and exchange for something one, be it voucher or be it uh items ah


I don't like I I I very straightforward one I want cash rebate, ah cash rebate straight away yes, then no headache mah no need to follow up mah, no need to log in and see how many point I have mah right, oh


we're lazy lah I want to do the easy way one ah, loan is, , the type of is it called loan it's like a credit card, balance transfer balance transfer six month


!huh! not the like two two percent plus, mine is very low zero point zero eight percent, from uh, not loan you know it's like uh balance transfer for credit card


you know but it's only very short term six month only, you want only six month, if you want more than six month uh more than six month can't, you know why because is like a short term lah this one is, actually because you are the cardholder they give you this option


if you go for the bank actual loan the I think the interest very high, two to four percent kind of thing, ya this one very low zero point zero eight, no they have processing fee


I tear away because they sure have the processing fee nothing is free in this world right ya, ya lor ha


ya ya ya then, what happen, ah joint account okay,


anything about that no nothing right, just normal normal saving normal savings account, oh


oh what which bank you put in, ya


so you put in which bank put in which bank, which bank you chose which bank you choose, OCBC ah oh, what is the name of the account


ya if you want if you want to change then very troublesome mah, ya, , ya ya, the town council all these involved right I know lah I understand


ya, ya I think all the banks they they practise this ah, ya correct


ya lor no choice, oh okay, actually I think everyone everyone will basically have a savings account lah, maybe it's for this type of GIRO uh GIRO purpose


payment purpose, but actually not advisable to put too much money in that, ya because actually you have more better options ah, uh investment you can actually put in an account that actually earn higher interest


ya ya, I don't put leh you know why the actually the three sixty account right, since I credit my salary is in there so every month if I manage to have savings ah five hundred and above the


as compared to the previous month, so that month I'll get higher interest rate maybe another zero point five or zero point four, so overall I will see zero point four is, additional, it's just based on the the uh


salary credit you have something extra, on top of that if your balance is higher than the previous month, by five hundred you earn extra, interest on that, so actually add up everything you you earn quite an substantial amount


what, OCBC three sixty lor, OCBC three sixty ya, ya the card is three six five but account is called three sixty, ya


I'm the opposite as you lah I have the card I don't use but I concentrate on the bank account lah the three sixty ya, oh, ya that's why I ask you uh credit the salary there lor more worth


ya, ya because instead of credit to your other bank maybe DBS or some other bank you have, why not, open this account and put it there whereby you can earn higher interest, no no harm right ya, now if you got spending uh four hundred every month ah


whatever lah whatever then you you also earn extra mah, actually they have a various uh


component ah so called component salary credit is one one component, then if your this month let's say now is uh july right let's say next one august your overall balance ah they call average balance ah is higher by five hundred compared to july you'll get something extra


yes no not not not necessary, they don't force you to like you know to have uh this month must behind than last month, but you will earn more if you manage lah if you managed to to be higher than last month lah


ya so you can see there's flexibility inside, let's say this one maybe you you need to spend spend money right do some spending and then you cannot get extra, savings inside so that month you won't earn extra lor so it's actually very flexible


ya lah that's that's what I'm doing lor, so you know you see right salary credit inside ah


they call it under GIRO, you have to tell your company I want to put inside this, no it's a whole whole salary, unless your company will do like split into various account for you lah which I believe it they can't do that no lah they can't do that lah company usually they just credit into one account mah they won't do for you like let's say


no no no is a GIRO company will credit for you, but has to credit the full amount, whole salary is it, you cannot say uh two I want to credit two thousand then balance you you credit to another DBS account cannot


ah, ya lah because of this uh high interest lah so I ask my company to credit salary into that account, it just like a normal savings account lah just that come with all these ah


extra interest for you to earn lor, but got various uh component lah if you manage to hit then is like you you you will be better off lah you'll be better off lor, ya


what else you want to share, do you do investment in shares, local singapore or elsewhere other parts of the world


you buy ah you got buy US ah you got buy US ah, cannot say ah don't say don't say , , sensitive lah don't say lah, what's that one ah very little lah


singapore you see ah SIA you dare to buy meh, now so low !huh! people say cannot buy, STI ah oh dare not play ha


ya true lah true, ya ah don't have time okay , then actually you can you can just buy the index lah you know the


ST index or maybe US, , E ETF lah ETF lor ya lor correct, because you buy that one, !huh!


(mmhmm) ya, yes because uh, they also give you dividend over time, ya, then you don't have to, ya you don't have to really monitor individual stocks lor


you just have to just look at that one and then actually it covers uh like that that that department lor like, technology it has all the blue chip technology stored inside lor ya, it's a basket of shares lah you know


ya, ya so actually if you don't have time you are the sort no time one so you can actually consider that, (mmhmm) so far so good lah so good


long term investment lah, oh but got go up or not, buy what


but why you don't sell why you don't sell, actually you sell and then during crisis right go down then you buy buy again lor, maybe you don't want to monitor lah don't waste time monitor


ya juliet, you want to start first negative experience, ya, I start first ah okay


my negative experiences uh is my previous job, previous job lah because uh, I was too (ppc) busy with the job, I was so busy with my previous job


that uh I neglected many things in life, maybe because I I I too uh, workaholic lah so, actually uh there are many things in life that


I think I should be a part of it lor not not really everything put into work lor, ya, but it's a blessing in disguise because I managed to, ya I managed to actually step out of that company and then uh


uh change line lor change uh to other lines lah ya, actually right now is uh


too much what, too much time I think too much time spent in my previous company, that I don't have any social life, then I


ya and then it it it actually didn't pay off lor I find, , ya actually work is not everything


ya but I'm glad I'm glad I actually step out of their company to do something I like two years already two years, ya


ya because uh something, something I learn in life that you cannot stay in one company for so long, ya, it's not a good good thing for you to stay in one company for one company ya


ya, ya (ppc)


ya it's like you know work life balance lah no work life balance, ya


ya, ya, cause you know why I keep thinking of uh my customer point of view I have served them for so long


so actually there are times when I feel like quit within a job, it's not one time it's a few times but then they make me stay on because I have been serving them for so long so, I'll think of that what if lor what if I'm not there then you know whether my colleagues they can actually serve them well or not


this is the thing that made me uh actually tolerate lah tolerate and then to continue lor, ya lor ya


ya, ya, ya, (ppc) because ah long time ago my friend already told me cause sometime I complain to my friends


about my job lah but my boss, can, ya that's why I eat a lot of ice cream you know during those years, because I want a change in I want to uh improve my mood you see