it's becoming more essential even for younger kids so from, err I have this friend like she's, extremely bad at managing her own finances and like we, like my group of friend think that it's because uh I think she don't have a lot of exposure managing her own money so like usually when she have her own money she just give all to her parents so like she don't she don't manage her own bank account I think this relates to the just not just having a


physical like ATM card you know like just having the exposure to managing your own finances like goes a long way because I think she's about twenty, something now uh like maybe mid twenties and uh she still have like not a lot of idea what to do with her money so I think it's it's quite a bad thing lah so what she does is she will give her parents like her whole pay and she will still receive like a portion of it back as pocket money


so like like, uh I think it's better for like children to gain exposure even if they might make mistakes like when they're young cause you know we all make mistakes when we are younger uh I think it's better for children to like, get more exposure to managing their own finances


and like through getting their ATM card that's like the first milestone to manage their own like expenses, so, cashback points or miles which one do you think people should be using


I for me I think definitely a credit card with cashback or so I think that works for me because like points I get it points can be, very useful like if you use Shopee and you have Shopee points you get actually like it immediately translate to cash so I think like it's a great thing but some points are


I think harder to okay, actually you know what I think maybe points like I really enjoy receiving cashbacks because I have this like student card student debit card and it gives me a lot of, a lot of cashbacks like every single month so like


as much as like I get like about, three to five dollars or like maybe ten dollars fifteen dollars cashback which is like quite a lot but actually actually for me I think points, err because they accumulate right and like some points you can use it for cashback purposes like just to like get a sum out right like so there was this time I think I purchase like


a bunch of stuff like about eighty dollars and I got like, like uh twenty dollars, like off off that bill just by using points I think it was Shopee points and I think I did the same for groceries also like sometimes I go into grocery store and just wanna grab like a drink right I just use my points to like just uh like get get it for free so I think actually points is quite


fun but I agree with you I think cashback is very realistic I don't think I would ever get into the miles thing I get it like people think it's quite amazing lah to, like, upgrade your seat right you know or like get like free plane tickets but uh I think it


it will suit those who travel very often personally I don't think that work for me so I will prefer cashback or miles, so uh what is your experience of purchasing


if you have any of uh insurance products from banks


really I actually have experience purchasing err insurance product mostly travel insurance ya so like uh uh very last minute actually ya there was this time I suppose you go for this diving trip and then uh I think last minute I realise oh my gosh should we get


insurance because it's diving you know like very probable like that's uh quite high uh like probability of, like, messing up and like getting yourself into trouble so I think just on the bus ride like, to the dive trip I decided to get like an insurance a travel insurance that covers diving uh it's actually fairly easy to navigate the the bank like the website and to get a travel insurance it's uh it's actually


way easier than I would have expected , can't say the same for health insurance or medical insurance because I feel like it's very uh jargon-ly and it's very difficult to like navigate, or like to find one that is, it's appropriate you know like you you just like I don't know about the market out there but for travel insurance I think it's actually very quite easy I think I heard you can even get it like from just from ATM machines like you can just get travel insurance so I think like


I would say it's more uh convenient that than I thought, ya just have to fill in some personal particulars and they will send you a email confirming your like insurance policy


uh thankfully haven't have any experience getting any loan so can't, can't share much about it how about what about yourself


okay so err do you prefer to go to use cash or go cashless when paying for goods and services


ya it's actually all connected so like it will just keep ringing


I I don't want can just resume, [orh] okay okay wait ah


part three negative experience


most recently I think it would be during the COVID uh period because like we're not supposed to, meet our friends right so we are only supposed to stay at home and like, there was a lot of like facetiming your friends uh you can use the


there's this app, Houseparty or something where you can meet your friends but this it's just not quite the same and you don't have like, like for me I'm a student so like I don't have to go to school anymore and uh I just have to study at home and I'm just at home with my parents and everything right so I think that was a period of time that I've never felt


that down in my life I just genuinely feel like, like nobody care about you like outside of your like family like your friends wise because you are not supposed to meet your friends and friends anymore so I think that was I think a lot of people felt the same way during that period so like like that's where people start to talk about mental issues and stuff so err


that was, actually quite quite a low period in my life I think I I genuinely think feel that like you feel that nobody care about you but, like, think it's just, everyone's just like, everyone feels the same way everyone cause without school and stuff right you just like it feels weird to just like approach your friends and stuff


so like nobody like, start the like conversation so like it that was a period of time that I felt like ya quite low how about you


was when I err, received the call, err I think it was from my, okay no not receive a call when I receive a WhatsApp message I think I was staying out late the previous night and then uh I think I woke up to this message uh that my family send me and told me that my dad was in hospital like like he had a mini heart attack and that was


the single most heartbreaking moment in like my life like I just felt like, oh my god like my life is over you know like I I I was just freaked out completely freaked out and I was just in hyper, hyper like err


fight and flight mode like just, err I just like drop everything I was doing and I just like went to the hospital and see him and I think when I went into the hospital the ICU room, I saw him like hooked up to a bunch of like


medical uh like a lot of wires around his body and I saw I think he just did like a stent surgery procedure and his hand was all bruised out and and it was like very it was a very heartbreaking time in my life like to see my dad there and I just I can't do anything cause I'm not a doctor or anything like


I can only stand there and make sure, he's not mistreated in the hospital so like that was very heartbreaking time for me


uh okay so I can be quite, uh blunt with my words, so I I think that happens, very often but err most, think one time was when


cause I get into arguments with my parents a lot err, so I think there was this time I was quite uh, direct or harsh with my words, and and, I am not sure if I hurt my mum's feeling probably but


but eh it took like talking to another friend about like this experience that my friend told me that, like, you know what regina you always like that you're always like err you always assume that you know better, they're your parents because they're older you know like you so you like


as someone younger you think that, like you, might not agree with their views on certain things because they have quite traditional views but like whereas younger people tend to, have other views uh and then my friend told me that what makes you think that you are right and they are wrong and like you just made me reflect on like


like err you know what actually, like, my friend's probably right I don't I don't I might not know better so like I start to reflect and I start to be a bit more conscious when I'm talking to like my parents and to make sure like I don't hurt their feelings cause like


I make sure that I don't assume that I know better so I I tend to listen to them and then I tell them why I think, it's, not wrong uh why why I think like it's probably not that way like I I aim to have a like open-minded convert like


discussion uh ya so, ya that was mine how about yours


uh that one time that I thinks, someone like uh just uh, passer-by kind of thing, sorry one of my friends, err like told me that uh


like I can be very insensitive some time so like, err, like I thought it was quite, like hurtful because, err like in that friend's context I, I've actually not been insensitive I've just been direct cause sometimes I feel like like you shouldn't


like being like softening your words uh doesn't always mean that it's better for the person like you can be like, like you can say very nice stuff it is very easy to say very nice stuff , but err it's not it's not


better for the person per se like you can tell the person that oh you're very good at something when your friend is actually objectively might not be very good at something so like I was just trying to look out for my friend but I think maybe err she didn't take it the way that I intended it to be so I think


uh and like when she call me out for being insensitive I think it was a bit like quite hurtful so like I I try not to think about it ya but, sometimes you you you just don't, , sometimes you try and not think about something about like it just like you will just remember it like for for some reasons ya what about you


have you betrayed err I think there was this time when I was younger I like to I like to journal a lot so there was this period of time I think I wasn't going through, I think I wasn't in good terms with one of my friends, and, I err just


brought a bunch of friends to my house and I I decided I can be like a private but, not private kind of person it's a bit confusing but so I was just showing my friends my journal some things I draw and everything and there was some quite private information inside and


because they were all close friends so of course I felt very safe with them but uh like I think, when I went back to school a couple of years later I realise that, err friends new friends, err knew what I wrote in my diary


so uh, no mystery to that at all so definitely one of the friends that saw it like err like, like like err tattled on my, like about my journal, uh so like that was one time that I feel like quite betrayed because it's quite clear cut like nobody else will know only that four of them saw my journal before ya


I generally don't think, there is any like very very saddest moment in my life probably err, that one time when my my dad had a


uh a heart attack so a continuation for that story is that he actually had, repeated heart attacks for a few times so there was this one time, I think it was one of the relapses so we were kind of we've been doing it for a while


and and, that time it was an emergency so like we called the ambulance they pushed him into the emergency, like room, room SGH, and uh, I think cause for the previous heart attacks


it was quite calm so we knew, that he was okay and we, drove him down to the hospital to the emergency room but, that one time it was like we called an ambulance it was full-fledged emergency uh everything was very fast-paced and then we waited quite a while for the doctor because you know they have to like uh prioritise their patients right and


one of the doctors came came out and, told us to oh where are your gather your family member we have, news for you so uh they brought us into a counselling room and uh they brought tissues and stuff so , uh, the saddest moment was before I heard what she had to say cause I didn't know she was just going to tell us that uh he's going to go through a


a a implant like a stent implant like I didn't know that was what she was going to say I thought she was going to tell me that my dad was dead like cause my I've haven't seen my father yet like, after they pushed him into the emergency room so and they got ready like tissue box and counselling like in the counselling room so uh I think that that moment before I knew what what's wrong with my dad that moment was the saddest


of my life cause I thought my dad like just died or something


I don't have any trends that I particularly dislike what about you


so uh describe a time when you felt like giving up


err for me it's a physical thing so uh I joined the dragon boat CCA in school when I was in year one and, err it was, okay so I didn't know it was a varsity team because I like to


uh do like, kayaking and I thought like dragon boat kayaking paddle boat should be the same thing but, uh it wasn't and, the training was very very intense so like it's a varsity team but they select


anyone can join so you don't have to have like a dragon boating background to join so the trainings were really really bad and and like they make you run and do like you have to wait for your teammates to run like a full four hundred metres while you are doing like planks or push-ups or like


all kinds of different like exercises and like, I thought it was really really bad like I am already giving up but like the seniors were very very uh fierce they were very like strict and they didn't let you give up like they just didn't let you give up and I, I am not like a very physically fit person but like that was that was that one time that I ya really felt like giving up


part two, positive experience, okay so uh jasmine what were some, memorable moments from your younger days


younger days I think I would say my, secondary school period was the most memorable for me it was about thirteen to eighteen because, uh you're still, young but not that young that you uh like don't remember like a lot of things like maybe primary school very blurry but secondary school it


it's a time where you just nice you're just old enough to understand like what matters and what don't but still young enough to, have fun, so I really enjoy my secondary school days so like, ya really just err, don't even have a lot of sense of like


you really need to study to like get ahead or whatever like just really having a lot of fun with your friends and, ya those were the, very uh memorable days for me


I didn't have a pet when I was younger because my my mum, don't really like like, pets in general living things in general but, I used to go like uh to like the void deck downstairs, and I will


like uh there's this one cat uh she is she has she has like orange white and black patches all over her so we call her cindy and, we actually like call her name and she'll respond to us, so like, we as in like me and this


few friends that we, actually became friends because we were both like feeding the same cat so I think that was when I was about like primary school right and then so uh, she's like the best cat ever because she will never scratch you but it's not because she don't scratch people she actually do I've seen her in a cat fight with another cat did not end


well but like, she just she won't like scratch, us like, it felt very like like we had such a like close relationship you know and, uh she had a lot of baby kittens so like one day we found her like in a motorcycle like, covered with the like a parked


motorcycle and like she just gave birth like overnight to a bunch of baby kittens and they were all so cute and we name all of them and then I think years later we found out that she's actually somebody's cat like we all long we thought she was just some stray cat, that like, uh that we fed right and we gave a home to but actually she was somebody's cat and


okay hi so sorry about the


oh ya and then err so like we found out one day that she's actually somebody's cat and, uh her name is actually not cindy so I've no idea why she responded to that name so like it was actually quite interesting cause we found out about that after like a few years after she died ya okay we just assume she died because she just went missing


ya so what about you what are found fond memories that you had


okay actually , I don't have like a lot of dreams and goal I probably okay there's this like one, recent goal that I have uh it's to, is to have my own place and have my own pets


and like just be self-sufficient, so like I think I probably want to achieve like the ability to have my own, place, and like to stay comfortably and to have my own pets you know like just a like your own uh safe heaven so that's


one recent goals that I have err, I hope that it's probably doable but you know in singapore it's so expensive to get your own place so like everyone just kind of lives with their parents right cause it's, FOC so like


uh I don't want to go into that, same, I don't want to be like err sucked into that narrative so I I probably would want to get my own place if once I have the ability to ya, and it's it's just very comfortable to have your own place you can have your friends uh around like come over or like like just keep pets you know and stuff like that ya


okay so oh, what do you love about life


for me personally I love err, I love music I think uh it's a very essential part of my life so I love singing I love going to Karaoke I love playing the piano I love like just love music I think that's the thing that I look forward to most in life I think it's it's very


it's something that I connects with I and I also like reading a lot so just the arts in general even though like ironically I'm a science student I really like science also but science sometimes just cannot get you uh the way that the arts can so I really like uh watching television drama as I love watching movies I love the plot


I love like uh fandoms love reading books just music and everything in general and of course, family and friends so I think people are also uh something that, err can make you look forward to life like the people that you surround yourself with good people that you surround yourself with


so uh , so describe an experience where your faith in mankind is renewed


personally oh there was this one time uh it's a bit ridiculous I decided to take a shortcut, to a class, so I took like this like okay imagine if there's a lift and like the circumference around the lift there's like drain drainage and it's quite deep it's like a knee


like knee-deep, kind of drainage and I decided to take the shortcut and I have no idea what I I and I'm not like I wasn't, super tired that day but, I've totally saw that drain and I have no idea why lah I just took one step and boom I was in the drain I was like knee-deep I was just in the drain and I I was super scared and I also


I honestly believe that I broke some part of my leg, because like, I fell knee-deep into a drain right my kneecap hit the concrete and I was holding food I think and it's actually kind of a secluded part of my school uh and within seconds right I was just


I think there was this person walking in front of me and I think I was too concentrate on the person uh concentrated on the person that I've like just missed a step when I step into the drain right and then within minutes uh people start to swarm around me, and they were just like oh my god are you okay like do you need help like then I was just like uh semi


going to cry but not crying yet because I'm not going to cry in front of a bunch of strangers and and also semi trying to tell the person that you you know what it's chill like I'm okay like I just need some time to, to like like, get myself up into a comfortable position cause I don't know like what's the extent of the damage right so like within minutes a lot of people came even like the I think the


director of the school came over to like oh my god are you okay and they they start to evaluate like oh I think we need to uh put drainage here and I think it was like mechanical engineering school or biomedical engineering school so they had like wheelchair so, I think one of my friends actually walked pass uh I think he wanted he just wanted to know like oh who's the girl that fell into the drain and it turns out it's just me like his friend so he did he went to get me a a wheelchair and then he was like okay regina you just wait here I'll be back


he came with the wheelchair and everybody was just so nice you know like they don't even know me I'm not from school of engineering and like they just came over to help and it was just uh time like, err an experience that I felt like oh people are actually like you know like generally very kind


ya, so uh what is your favourite childhood food or snack


I think they sell it popsicles the big one , right, not as often


yes yes oh yes I was actually busy thinking about like what is my favourite childhood food or snack but yes strawberry milk ice so I like to go to the the Kopitiam in the hawkers like you know the like malls and then they have this Kopitiam and then err like


I really really like the strawberry milk ice like I know it's just ice and milk and strawberry and very little strawberry mostly syrup so they should really call it strawberry syrup milk ice instead and but like I really just, really uh like it and uh I always get my mum to get it and back then it wasn't very expensive I think about one dollar two fifty top


but, nowadays when I went there I think I recently went there and I wanted to get like err, like a taste of childhood so I decided to go to the Kopitiam and get it and I think they it's priced at like four dollars four fifty now ridiculous I won't get it and it it tastes even worse than when I was a kid so it didn't it taste worse than just syrup milk and


ice so ya some things really just tastes better in your memory


definitely every single moment that happens always related to grades err so I think it was my first year of polytechnic and, and I think the maximum CAP you can get is four point zero right and a


I I've no idea what was I expecting but like, err I think, I, just it was my first semester in poly and I didn't know what to expect I didn't know like I I've been studying hard but I don't know if it's hard enough uh and I didn't have like biology background as compared to my peers so like I was really really really nervous on exam day like the release the day that they released the result


so err, I honestly thought like maybe I'll fail maybe I'll get like one point zero or two point zero like I don't know, so like when I checked my results and I got like like a decent grade I think I got about three point five I was like, okay it wasn't that bad like it was actually a lot better than I expected ya


so that was uh, one of those moments how about you


I think uh it was this one time maybe not the nicest but like the most nicest unexpected thing that someone told me err, was I think that I have a nice voice so I didn't expect that at all cause like you know like as a person you just generally don't like your own voice right like I don't like my own voice I feel like a lot of people can relate to this and I think there was this one time my friend told me that oh regina you have a nice voice and I was totally taken aback I was like what nice voice no


and so that was the like I felt like it was the nicest thing ever cause like, I don't think people usually tell each other that oh you have a nice voice unless like maybe you some caucasian guy or something you will be like oh you have a nice accent nice english accent but you don't usually say that to like another fellow asian so like I think that was


I actually do have a saving account, (ppc) I have two, no different bank one is uh DBS and the other one


same, I don't really I used to have a credit card but then I I kind of stop using credit card because err, it's very hard to control so now I just use a debit card


which is which is true then your spending level get slightly higher than usual, because you know that you can pay later, so do you think that couples should combine their finance and open an joint account


I would say if you are registered under the law then it makes more sense because I have this friend uh, uh she she's not legally married to this guy and they kind of have a joint account so eventually end of the day when things get really sour


uh this become a big dispute like who puts in more who should take back more ya so ideally I think if it's , , if you're legal should be okay but again uh


speaking from point of view from a woman, I think we still should have a separate account on top of this joint account because this gives gives an access to the other party to also withdraw the money I think


yes, correct


true yes err, do you think high yield bank account or fixed deposit do you have a high yield bank account or fixed deposit


previously when I was working with a company they do have like a fixed deposit, so, so they actually need, to basically generate more money err but the bank


the person-in-charge was advising us to put it for at least six months with, err this lump sum of money, in order to get back that small percentage so , my view on fixed deposit is if you


really do not know what to do with the money then ya you can put it inside at least there's something coming back not a lot but still a bit uh if you, err more, open-minded and willing to yield even higher then I think you should put your money in some other place cause fixed deposit err


have to, it's like commitment you know once you put in that lump sum of course if you want to see a lot of money then you have to put in more money if you do not want to see a lot of money then you just put the minimum sum


so


uh reason being is if uh of course now with all the technology, that is happening around us , children they kind of absorb and learn things faster, compare or versus to what


we during our time so, err ya, so at the age of, thirteen because okay what happen now is children have access


to iPhone iPad or maybe androids uh just take an example I have a friend , her child was maybe about, six years old like that, so err she was playing this game and because you know uh certain phone you have to put in your credit card details so


assuming assuming if she have her own ATM card because nowadays ATM card, they come along with a debit card I mean I do not know by then will they have something similar because nowadays when you open a bank account they no longer give you an ATM card they give you like a duo thing whereby you can use it as an ATM and also at the same time use it as a debit function so if that child gets the


the get her hand on this particular ATM card, uh she may end up spending a lot of money on games so that is what happened to my friend she end up paying a lot of money on games, uh of cause she was a bit, angry because she didn't know that this was happening until she received her bills so I think they of course they can have a bank account


but an ATM maybe maybe once they are, in a more mature age thirteen I would say


will be a better, choice I would prefer cashback because certain err, bank certain banks they give up to twenty per cent depending on what you purchase


miles uh if it's for, I have a friend uh, he actually he loves to travel so when he travel he prefer to have something that has err, miles so in exchange he can actually use that to opt for a better seat in the plane instead of uh economy


class can go for business class of course it's for short distance not long distance so, I think it's very, different people they might have different preference but for myself I think cashback is the the best thing because it's more realistic I don't travel so


cashback will be ya something that is suitable for me err what type of credit card I think people should use it will be, the brand I don't know it depends on what exactly they they are looking for but myself I will


go for the current, UOB bank which I am


insurance product from banks uh ideally I have not purchased any from


a bank but, I think I think bank should just do, what bank is good at uh, because there are insurance company but of course err, because they are always competing I think most important is the


the terms and condition, because , certain insurance company they offer certain, , coverage and certain bank they often they they


they offers certain coverage to certain extent so, I think like I say I I have, not purchase any before so, I would want, to maybe understand, a little bit more


what this bank is offering but again when it comes to bank I, I think I will just purchase it from a insurance company because I don't know if bank the claiming process will it be too difficult, or, will it be too complicated because nowadays err a lot of insurance company you just have to login submit and there you go you get your cash immediately or maybe you just have to wait for


a while


what's your experience of getting a loan, do you have any


multiple kind of loans before so certain loans are quite easy to get you just have to submit your, working uh what's that call the, computerised computerised uh pay


payslips I think the difficult one is if you need, a huge loan amount then you know, of course they will check your background whether you are even suitable for that huge amount, loan but when you talk about


car loans or maybe personal loans I, I have not met, any obstacle before so, the, of course every loan it comes with certain amount, of interest uh no bank is going to give it to you one for one dollar


and nobody is going to give you that but uh, when it comes to car loan there's not much you can really do about it because they will select it depends on which car, car, uh which bank is gonna give it to you uh, uh but if let's say you're talking about


personal loan then you may want to, check out like I think OC sorry POSB is more flexible in terms of , the interest because after all it's like a, government kind of


that, so, I think if I were to get a loan I will get it from POSB because its interest rates are actually much for lower, but again like I say every company they do give certain kind of interest so eventually end of the day is what exactly you want


to achieve and how much you want to pay


actually prefer to, go with cash, I prefer to go with


so now my recording here stop uh so what am I supposed to do, this one, just press replay or done or what


cannot replace leh replace it will replace the, recording, then you just press done and re-record again, is it okay if we press done and like we send you two different recordings


okay so I'm just going to, ya, okay I'm recording a new one okay so uh I prefer to go, cash cashless because , it's easier you don't have to worry about the number of uh


like example maybe the bill is thirteen dollars and ninety five cents you don't have to worry if you give a fifty dollar bills how much is this person going to return you back because you can just pay directly like it's very convenient nowadays when you have those uh contactless


payment


negative, part three negative experience, time where you feel that nobody cares


assume when I'm going through a difficult, time with work because when your colleagues don't understand you and when, your family members they don't, understand that is where I feel that I


uh nobody cares because nobody understands the, problem so , many times I have to solve certain issues by, myself and, it wasn't really easy, but I guess err I would take such an experience as a learning journey


because it helps me to be a better person in life , but again we are all humans we have uh emotions so that was that one particular time and so


talk about the most heartbreaking moments


my heartbreaking moments will be I was actually working, and err and, I receive a phone call from the hospital


saying that err that that our dad, have a full-blown heart attack, err, it was just like maybe one hour ago I was talking to him, and he was, completely fine and all so then there's a full-blown heart attack I I didn't know what to do


I rush out to the hospital and was so scared uh that was the moment and I hope I never had to experience that again, describe a time when you hurt someone's feeling


sometimes uh when it comes to, work there are certain, things or their actions, they are quite silly when they're doing it so I just scolded them and I didn't really think like how they will feel so


I'll I'll I was actually very blunt, and I just give it to them straight on their face, so I think I should handle that better, but sometimes it's just very difficult, but I'll try to do it so that was that time whereby I actually hurt someone feelings what are some of the


hurtful words someone said to you that you wished to forget


was younger was out with my mum, and then err and you were very young that time, so someone actually turned and told my mum oh is this your maid, I like !huh!, maid and then I say ya ya I'm the maid you know


so ya so this one cannot forget until today, ya so, describe a time where you feel betrayed


say is uh


saddest moment of my life is, I, feel that I could have done something but I thought that, this colleague of mine was joking , so uh it was about ten thirty


in the night and then uh, my colleague was saying !hey! jasmin do you know CPR can you please come to level five so he's always joking and I'm not really sure if I should take it seriously or not so I didn't really bothered honestly speaking and I was rushing to prepare to get home when my shift ends at eleven PM


so uh after about fifteen minutes I told uh one of my duty managers uh said that, !hey! you know what , go to level five you know what why not I will do your report and you go and take a look what is wrong at level five so this colleague of my went up


and he never came down, one hour passed two hour passed really have no idea what happened, two hours later, I get to know that actually there's this boy that drowned in the swimming pool, ah, and then it was because of that reason


I kind of learnt that when someone seeks help means it's emergency, they need help so I think that was one of the saddest moment because that guy he didn't managed to


he didn't managed to make it, he actually passed away so it's a burmese guy, uh he's the only one in, the, in the group that can speaks very good english he was very young


and there goes a young guy that eh has a, promising future all, it was all because of one action he did he wore a jeans and he dive into a swimming pool which is not supposed to be


so that was one of the saddest moment, what is a popular trend that you dislike


I think with the over obsession of, K pop ah because, , like literally every store or every shop we go in sometimes I think they overdo it


and then like we we are singaporeans, but then you know we kind of like hold, like we we we can call our own, siblings or maybe people that we we don't know we can call them like you know hi brother or sister but you don't really have to follow the trend of K-pop like you call them


Oppa or whatever I feel it's a bit silly you kind of, bury your own culture and you are, into someone else's culture so, that is one of the trend that I don't like I just feel that we should have


our own trend and we should just keep up, let people follow us instead of we following people


there's one particular time, where I did a, very bad mistake very very bad mistake, so, I feel that, you know it is not even worthy to live anymore but of course


these negative thoughts, they were dissolved, it didn't stay with me too long but every single day was very very hard to pull through, ya that is this time where I did a very bad mistake what about you


part two positive experience


memorable moments I would say school days because err, all of us are very, naive fun, I would


basically love to go back to those school those school days of course when you talk about school days there's primary school secondary school and then after secondary school is my Shatec days so I, I would want to go back to that moment, because uh all you have is laughter


you don't have to worry about anything, you can go out with your friends uh, what about you regina you are still young still studying so what are your memorable moments from your younger days


what about, your fond memories of a pet that, you have or once had


ah mine this is mine, this is mine


yes the phone is still recording, yes, yes, okay so ya cindy, had many cats kittens


when I was younger way much more younger my, parents used to keep goldfish


so we have five of it, same I I named every one of them, so they have names starlight starbright, a bit silly but , uh it's very interesting because, you know our parents don't like living things that can move


so but living things in the water is acceptable so uh, I get to actually they actually, I saw baby goldfish but, I think I was too young to understand


how to kind of uh, breed them in a proper way so end up when we are changing, water uh kind of flush off them down, so imagine , so eventually, err I feel sad and then I ever kept this turtle


uh I didn't no no actually no it's not turtle so this goldfish I think left a few so ultimately I let them off in a bigger pond near our, housing area because that's just pointless lah everyone start to age and die off so


that is the memories of the starlight starbright goldfishes I still remember their name till now, ya so, err uh, uh regina what are your dreams and goals that you wished you to achieve for you before you die


my dreams and my goals, realistic goals are, uh to provide more for my parents, so that they don't have to go out, to to work err in fact I would want them to


see work as a leisure not as a must so if I have, the ability to earn more, I think I would want to achieve that, but given the current situation and and us, being in the COVID era as of now it's a bit difficult so I just hope that I can really achieve that and


of course one of my biggest goal is to settle down, and I hope I can, uh let's see how it goes ya so so


I I love to stay at home I love, to just stay at home, and just do housework, and just be alone err, of course recently because of the circuit breaker


I had gained exposure to, GrabFood, so I'm actually spending a lot of time doing GrabFood and I think , err I'm I'm I'm loving that as part of my life right now, because I get to see a lot of beautiful houses a lot of uh houses that has some cute pets with them


and , but the most but the most beautiful thing about life is to be able to breathe and to be able to wake up every morning I think that is something that, I, really love about to be able to wake up


would say err


it was that one particular year where I receive my N level, results so, as we talk about, err memorable moment, or days from our younger days ya I do have a lot of fun in secondary school


but when I got my, N level results I think is like a wake up, call , I'm always a happy go lucky person, so , I believe in, I


I actually don't believe in studying, I believe in, myself more than any other thing, when I think that I can do it means, I can do it so ultimately I had this , vision that I am able to do it


unfortunately I got an extra point and, I'm unable to progress with rest of my team members uh sorry rest of my err, classmates to secondary five so, uh it was a choice of whether retaining


or moving on to the next journey of studying err, it wasn't an easy choice but uh it was through that I then start to take things serious and, knowing that err you'll not


always lucky or believe in yourself there are there are some things you just have to make it happen so, and of course with the, with god's grace uh, like I say it wasn't an easy journey but ultimately


things work out so, that was my experience what about you


err I don't think they even sell it right now I don't know if you remember or not it's just is some


ice sticks with flavourful syrup then you can break into two, two I forget what is it called already ya so the that that was one of it ya


because we'll be running around very very tired under hot sun then we just go there ten cents only last time you just break it and you start to , uh drink, and it's cold and nice, ya that was one of my favourite snack


food wise actually when I was younger, I don't really like to eat, for some reasons I do not know why, the smell of food turns me off, so snacks yes I love sweets twinkle star sweets


but I I don't think there are any twinkle star sweets nowadays, ya what about you I know I know what you like, strawberry milk ice


ya true like some chicken wing ya I love snacks lah there's some chicken wing I don't see that twisties last time also but last time is nicer but right now everything just tastes so weird , ya , describe a moment when things turn out better than expected


I think it was during my PSLE uh, uh unfortunately on my particular year, there's always a lot of unexpected, that thing so that, uh I was posted to one of these school that I would, always wanted to go and uh and on that particular year


there was a system lapse so the results they have to do re-posting so of course I got really upset because I didn't get to go to, the school that I wanted to


and of course I, pray again as usual and, and then err, there was this very kind principal in the school that I wanted to go, uh she actually help us out


and eventually I I went back to, that particular secondary school which is the one that, we both are in, ya so, and, I turned out to be a prefect also


so I I guess that is things, turn out to be better than expected, that ya what, what is the nicest thing someone has ever, told you


finance, K Im I have got a savings account uh, ah but my my savings uh account got a few lah basically personal savings and then another one


is all to pay my giro bills and then there's a contingency savings plus a, bills a joint savings to to manage uh bills ah so total I got four accounts yourself how


[orh] that means that means the that means the one that you put for your children is endowment fund plus plus another account or just you put in another like trust fund or something


okay K K K then shouldn't be a problem ah


no actually mine mine why I split up the different accounts because if for me if I put into one one account I will okay what I do is that when I get my salary they will be automatically the standing instruction to put to the different account, my worry is if I put into one account I will spend all the money and then wait later I realised ah certain bills or what is not being paid so this is where when when payday comes in and then we just shift the money a bit so I know that in my own account I need to spend I only got x dollars


so I I won't go beyond ah ah


!wah! okay eh then you have any credit card debit card I confirm got one credit card and then the other one is a debit card ah


ah (ppc)


, , (uh huh)


you do have to put up all over again right put up the forms right,


no but but the problem is that if you get a new card you got to inform all the companies about the new card, but likelihood they will give you a new card lah they won't give you the old card number back again what


your return request right ah, (uh huh) that one that's the Leceh part lah no the the problem is that when when even when we apply a new card ah


not say a new card you know like we lost our card the the what the banks told me the last time is that okay my card Kena almost was being used for like a scam you know somebody got hold of my credit card and they try so the bank call me


so when they call and then what they tell me is that eh did you make this transaction or not so I tell them don't have so they said okay we are not going to let the transaction so when I ask them what happen they say that okay somebody use my card in US to buy to buy what ah what credits ah is it Amazon credits or something or is it


uh [orh] uh what iTunes iTunes credit, so so at that time uh what happened was that we, I I said okay lah reinstate my card lah all stop this from happening but they told me that [orh] for safety purposes they have to give me a new card with a new card number so that one #bo pian# because what happen after that is one by one my Amazon account my Grab my Grab account everything ah all got to change card


ah so so that is what they told me lah but when I ask them that to to reinstate the same number they say that because my card Kena hack so they say cannot, better not to so you see ah see whether you can get it or not lah I think because your case and my case different you accidental lah I different I Kena use already but credit card wise now I try not to use it for overseas because there are cards ah that give a good exchange rate


in the market so now I'm using that card but the problem is it's not credit it's debit, ah so we need to put X dollars ah this is the funny part transfer from our credit card into that debit card and then and then spend but the exchange rate is better lah the only thing there is no points or anything ah


ya ya correct ah


eh actually correct you know you are right you know because that particular card that I have once I tap it deducted no delay


that's what I noticed also overseas also once I tap eh that this particular card that I have once I tap only it automatic deducted but credit card at least eh it gives you a grace of at least a week or so all they put under, unbilled transactions you know so you still can save lah


so to speak when you realise that transaction is wrong because when go to countries eh when they do the wrong transaction !alamak! they all like is they make a lot of noise you know the paperwork lah the where it's actually their own mistake, so Kena a few times already that one but okay lah later they just compensate back or they just say they cancel the transactions this and that their reason being because it's a


it's a what you call it it's a foreign credit card so they need to to look into the matter !alah! Leceh lah either way so either way and we also cannot carry so much money so want to travel carry money goodness money all gone Habis man, !wah! Jialat


, yes it's a there's two, two two accounts that I have, , ah okay the the reason is because we when we got married before we got married we decided that it is better to have a joint account for at first is only one because we felt that we should have a joint savings account that time because we want to put our money together there for wedding preparations and all that right


so we figured that okay that joint savings we have it we use for wedding after that once we married whatever #ang pow# we get whatever savings there monthly saving we just put inside, so it becomes our our internal savings account savings ah that's number one


and then after we got married we realised that eh !alamak! I have to pay bills at at the same time we don't want to touch our savings we said we only tap on that during emergencies which in my experience ya lah it helped lah because when I got hospitalised and even though I got insurance


the we have to pay the money first you see so that particular joint savings is considered emergency that you need to pay for the hospital bills before the the what, the insurance payout so at least we got something to put forward so that's a saving one but then we got a second one because we realised as as a couple also we need to pay our bills and we agreed that instead of paying individual bills there like we split okay electric bills I pay then


for her she pays the water bills or things like that so what we agreed upon is uh that okay look we pool our money together, bills all deduct by giro through this account finish end of story, you see so we got two joint accounts, ah so reason why is because both of us are working and both of us wants to share the the financial burden ah


ah so that that is why we have it


and that that's why but but like I said lah we try not we what we do we just pump money inside, but and and we let giro settle for the bills but but like I said lah when emergency comes to play whether is my emergency or her emergency we know that there's ready cash, but for for to use that particular joint savings ah


usually my wife will have a say in it lah I I wouldn't because in the household she deals with finances better lah so, I would ask certain times then after that see what's her comments but then we'll try to work it out lah and usually for us once we use that amount ah say for example hospitalisation use that amount we'll try to pay it back


so as we grow older or things like that right at least there's something lah combined for us we think lah that's what we try to do lah you see ah , eh bro so how you your child got ATM account ah


, young ah


, no we for for ours uh we have but uh because the the bank automatically give us that option you see you open the account will they will also give the card but the thing is that we try not to use it lah


so whatever that that the money that they have because come on lah six and three years old ah once they see money the first thing that comes to the mind only like go shop buy toys buy sweet , how to how to manage man like that Pokai man so


, ah that's better that's easier for her at her at her age she know what to spend lah at her age she should know what to spend lah


you know but but surprisingly what you know the you know when, I went to australia eh aussie they don't accept cash you know in the school in the school eh at their bookshop


surprisingly they don't accept cash, they expect you to hold a debit card or, some form ah to tap , to tap and then after that they make the transaction from there so and it happens at even their #pasar malam# also the australia at #pasar malam# they have right like those farm market and all ya they use card


they don't handle cash so so this is where it becomes very very tricky because I asked my friend I say that eh your kid ah is only like ten years old you know, he holds a card ah he said yes a debit card so it and and I ask him so how do you manage that account okay so what his scenario is very simple he put in maybe like fifty dollars one hundred dollars per week fifty dollars per week ah according to him eh


so if this boy on monday taps forty nine dollars he only got one dollar for the thursday tuesday thursday friday wednesday and friday ah, ah so he say that in a way is a form of discipline but the scary part is if they lose the card and somebody else tap how


Habis ah, ah so again they will say police investigation and all that so so for aussie when when we were there when I ask my friend why did they implement this uh so they say that ya lah times have changed moving forward the good thing is that the kid no need to come out physical cash and do their maths that's the good thing


but the bad thing is like we all as parents we know ah once you keep tapping the card and you don't manage how you spend, you will burst the wallet lah ah so so interestingly interestingly over there that's why like even I said like when we travel eh credit card


like okay lah like because we travel malaysia malaysia they use cash most of the time lah no problem but when I went to aussie, !wah! surprisingly everywhere like even #pasar malam# also use card, that that that's the problem because for us eh because ours a foreign card, so the transaction rate the exchange rate right it becomes more expensive than what we're actually buying the item for


so that that's the that's the catch ah, ah so for kids to have card but I got this really matter of time ah I tell you ah I think my daughter primary school our kids go primary school I think sooner or later they have to start using it just have got to be careful


same same same same


no the the only the only one I monitor is the petrol one


the petrol one because they give points right okay that one I monitor because the points accumulated wait during uh what during chinese new year I will use the points ah to get abalone that one is at petrol kiosk, but not but not the normal day to day credit card one because credit card one I tell you you lock in you got lock in and then you've got you've got to see and like what you say ah those that they offer are the things that we don't exactly need


spa voucher lah you know then Makan voucher you you tell me where we got we we get redeem the voucher then we go and buy maybe cake Karipap where we got use we want to buy cake we just walk in buy cake what but the cashback one I got no chance eh !alamak! twenty minutes already ah


(ppl) [eh] so fast [ah] (ppl) [a'ah] (ppl) [ah]


negative experience eh, !alah! what is your biggest pet peeve what will annoy you the most, !wah! this one this one I tell you ah


bad bosses will annoy me the most ah, bad low EQ, insensitive idiots, ah those are the ones ah ah those are the one that that will annoy me the most when you work so hard you you will try to make an honest living and they don't appreciate and pass unnecessary remarks and


think that they can do a better job but when you give it to them they can't do anything ah that that will, piss me off though you know me lah bro you are you know me I we we both of us we, Kena this type of bosses you know the amount of vulgarities will come out from my mouth lah, when they send something stupid over


ah correct


Diao their eh serious you know because like like what you share that time ah, because is about backstabbing you know and, and you're right the the feeling of it uh being backstabbed I Kena before this one I just started my career I Kena before already


where where I thought he's my best friend because we know one another through national service and then I got my career he got his uh career and he he use something, to his advantage and he and he got it from me he leaked it out from me lah


he got information I didn't directly tell him that particular thing happen then after that he went around last time there wasn't social media but there was there was the main press and he's involved in the media so is as if like he's trying to vie for the pulitzer award lah so


!wah! that one my whole career gone down ah because of this idiot you know, and I tell you ah that that feeling, it costs me my career, it costs me it costs me delay in progression it and then you know


there were a lot of enquiries and and the sad the worst time when it happenned is my parents were away in Mecca for Hajj, so when that happened I tell you shit man I tell you I totally didn't know what to do you know got backstabbed so bad


you know until one of the bosses advise me and say <P2>shahrin</P2> you are still young better you resign ah find another job then I'm like !wah! you you know that type of impact , so ya but , and I'm still here lah


but I don't know I I don't know sorry, who do it you know what's the sad part they don't feel guilty you know, ah, ya that that's the problem [orh] I I don't understand so when I bump into you know so when when later on after the whole thing is over I was having lunch with my parents ah this fellow came along then just approach and Salam and all that


my face was black you know but my mum and my parents went on ah and then they ask me you know they say that eh is over already lah just forgive him and move on I said but but but how, and the way that he's talking is that the way that he's putting himself that he's done nothing wrong you know


it's just a simple sorry and that's it cannot be what you know so and and the sad thing is the last year when in uh oz ah this fella happen to be there also and happen to be one of my friend's, uh uh what friend's how you put it lah uh friend's friend son in law


something like that along those lines lah their chain ah , screw my holiday I I told my wife about it you know, I say I told ah but then my wife said then you don't talk to him then I said ya I don't I'm not going to talk to him but he came he sit down and it gets to me, but I was trying not to create a scene ah I was trying just like you know one of those you know what we call Layan ah entertain him and but don't talk too much and then just just until move on you know and the best joke is that he try to add me in Facebook I also don't want to bother to answer lah


it's like he he don't have that guilty conscious that, it screwed up my life, but you know what I mean


even though we talk lah but not about the the whole issue that happened like almost nineteen years ago ah that screwed up my career lah, you see so, ya lah so that was that was bad it because it's clear cut backstab lah bro, it clear cut backstab ah and and it's it's sad because he he just mentioned one word eh sorry ah bro


full stop you know, nothing else you know so , that's why when when I saw this part about the time when your best friend backstab !wah! I tell you ah that one ah for nineteen until now, I am trying to forgive but don't know lah you you forgive but how you going to deal with the person like treat him as an old friend cannot what a bit difficult right ya lah so that is the one that's that's the main the main grounds of the whole issue lah bro difficult lah


a fair bit lah ya, on haven't haven't conquer the world yet lah wait wait when my name change to #genghis khan# maybe I can ah, ah


means have to chuck all that lah


[orh], no but but the way that they confront you also !walao!


!wah! that one not colleague man that one that one that time that time was best friend imagine can go biking together kind of best friend you know !hais! can even buy the side same type of motorcycle you know, and yet ah he can backstab until that !wah! I tell you that one Jialat man , so ah okay travel the worst I Kena eh the worst I Kena


actually this one when I was young I was very young so this this to me you know when our parents want to go for holiday last time they just like okay you get to the car we just cross the border and go for holiday ah


but I I I this is where but is through these experiences that we learn lah so at that time my dad say that okay we drive to Malacca, so me being a kid my sister still being a kid okay we drive lah at that time I think I was in sec three I think secondary three so


when we were there, my I like my mum and dad keep going in and out of hotels you know, keep coming to the car drive to another hotel keep hotel, and, it reached until like one AM that we you know where we slept we slept at this uh


you know this Malacca there's this place called #dataran pahlawan# now they made it very nice last time is just an open uh open place with with a few Makan stalls there , we slept there lah, and ya and I I couldn't sleep and my sister also couldn't sleep because and yet my parents can sleep because firstly is malaysia and


secondly when we want to sleep we see like people outside you know like those uh bad characters lah you know drunk lah homeless all that walking around looking at you especially in a car and things like that right, so at that time to me, that was the worst because


we we live in fear, we don't know whether my sister was around I think she was in pre U at that time so I was worried that eh what if they come you know when you watch too much you read too much comics and you read too watch too much


adult themed comics ah like the darker version of batman and things like that right you think of all these bad things you see so, I couldn't sleep, and when we drove back ah I just couldn't sleep all the way you know and and it was bad you know we didn't have proper rest and my dad insisted on trying to find another hotel we just said no go back


I said so we I I got a quite a bad argument with my dad ah for for that one because he wanted to go on holiday but like I said lack of planning so , that to me was the worst lah, because if you tell me that okay lah sleep along the side of the road maybe in singapore ah not so bad


you know worst come to worst your handphone go missing but, in malaysia not say in malaysia is not safe last time where he parked the car I think he chose the wrong place to park the car lah so so it was quite, I think, depressing ah so to speak that's why now travel for all my travels ah and we are lucky that we got this thing called the internet we do research you know we pre book our places we do this upgrade that's why the the last one ah even if my dad that you know the one that I went to finland with my dad one right


even though that particular trip was one week and I extended but I did enough research to know what to do where to go what to eat where to stay where's the nearest where's the most convenient how to get a car so when when my dad was there because me and my dad we go for holiday a few times ah


everything is prepared, you see and to me is that that we should not like in certain places they say okay go to this place to shop but, you know but they say okay the risk is that there's this this this this this like okay like if you go London there's this place that sell cheap souvenirs in london eh but they will also say be careful because there are these certain thefts go on pickpockets go on and things like that so more or less you are prepared either we choose to go or not to go if we go what we need to do if we don't go safe


so it's the same thing so it reaches to a point that everything is there and ready, and I already got itinerary laid out plan so if we deviate a bit no problem we still can change and things like that , but all these because we learn from a bad experience I mean like your one at europe also I can tell you very honestly also the same thing if you were to know before it maybe the tour guide tell you eh uh if you are here please ah understand singaporean culture is we like to bargain find a bargain but do not bargain you know


you can be nice lah maybe you buy ten ask them eh is there any chance for a free item and you smile and be friendly with them, maybe got chance but, we don't know !wah! I tell you travel !aiyo!, but so far good lah when travels travels are tough after that experience when I Kena from young ah I think I become


more careful lah, that that's one of the thing that Kena before, !wah! have you have you ever been ostracised ya lah my boss lah, , the very first topic then I say okay same one again have you been ostracised yes by an idiot I don't know what to say okay okay I touch on this one I touch on this one I touch on this one ah what is your greatest fear


my greatest fear, is to die and, is just that like what you say also is correct, I'm not not ready, I'm just not not ready not ready is is not because like you know if we think on a religious perspective like you know whether god will accept me to heaven and things like that no no no my greatest fear is my family


because you see my wife and my two girls I I at this age I would I'm I know about my wife my wife would be okay is just that my daughters what will they grow up to be, you know we are not perfect lah but uh we we want them to be good people as well but


they are still young !wah! if I'm not around are are they going to be influenced how what will they think of what would so all these, things actually comes comes to my mind so if so, uh now I'm trying to be a better person lah like you also try to be a better person but I think the catch for me is that


my my kids ah, I I wouldn't know I I not say that I'm a perfect role model I I'm not I'm not a good role model also to be to be honest with you but, what will they grow up to be lah will there will there be any guidance will there be somebody else who influence will will my wife eh although she can manage but is there an additional


set of eyes to look out for them and make sure that they do become a better person a good person for in life so if you ask me now ah is like anybody say ya I'm ready for death I say no I'm not, on two conditions number one my family number two I don't know whether I'm good enough for the big for for for god or not you know to be accepted in heaven so these these are the things and I keep thinking about it especially with my health problems ah


I keep thinking about it you know and that is the one that really at times ah like my current episode I I really break I I really have to, when when when I think about this ah I just think you know uh why why didn't I do this why didn't I do that why didn't I look after my health why this why that look don't look after health Kena ostracised by people some more so I'm !walao! champion that one !aiya!


ya (hmm)


[ah], yes stop


positive, eh <P2>im</P2> you haven't finish your story ah should carry on


ya ya ya ya ya


ten midnight ah


!wah! my time


loose lah ah


!wah! my childhood ah goodness my parents totally different man, books books and books no okay meet that, upper what what good no what life experience is different what as I grow older I realised that books is only


theory is the practical and the execution that matters what you can have the best theories in the world but if the, it doesn't make sense on the ground then no point what so for me last time growing up eh okay ah last time growing up my my happiest experience is what you know my collection of toy cars okay


this is why this is why my toys ah my toys this is why I got very happy okay this was the deal that my mother made with me last time, cannot go playground cannot play with my neighbours after school must come back home, but the condition is if I score a grade that is expected eh that she gave me a target you know so whether is a test if I tell her mum next month got test okay ah she will set the target for me


okay I must hit the target, okay ah here's the bad news ah if I miss even by one point I Kena Rotan, Kena whack this one clear case of child abuse one K so I so that that was the stress but if I hit the target


I tell you ah your whatever toys that you want you get, so so at that time when I'm growing up ah the toys like uh what masks transformers all that so my mum made me said okay you decide on one one series of toys, you target that one so whenever I got the result I will come back I show her and then she will get for me so


any model that I want so it can range for maybe last time last time four dollars already big deal right a four dollar model to maybe last time a seventy dollar model if I choose the seventy dollar model she will tell me you know wait, this one just a test that one for your final exam test you get this one so that


is how I grew up so when I grew up my room was filled with toys but, instead of playing them most of the time I was expected to study and get the grades that I want so so for me it's a very simple target I watch this cartoon I know I got the toy, but when I want the bigger one or the the new one that comes out ah I work for it ah


so the happiest point is when I get the toy so my after I get the result I get the toy for one week, my mum won't touch me I keep playing and playing and playing and playing playing ah and then after that she will remind me eh your next exam uh coming up ah then start lah


ah so that's that's my childhood that's the happiest, and then ya lah but but later on later on when, you get older I think the targets are harder, to achieve and as we got older also what we want is different you know we want girlfriend lah we want to hang out with the


friends and all that so, ya lah I, I got exposed more when I was in poly, eh shit man last time goodness I don't even know I don't even know what was Zouk man before I go to poly goodness even though I went to a secondary school full of #ah beng#s ah but they and they look after me they really protect me you know if somebody find fault with me ah the whole group will come and look for the fellow you know


which is good I you know but that is where I learn life lessons ah so, it's only much later then I I realised that there is more to life than books, ah so so that's the the fun thing lah


ah, ya lah, !oi! ah


eh ya


is collector's items already you know, eh I Kena already you know I Kena, I got ultraman figurine you know those plastic ultraman ah ultraman you know so I got the full set you know, so that one last time my mum buy for me the full set because I target ultraman so she make a lot of noise but I said never mind I got the grade right so I I got it


and then uh when I was I think secondary school she gave them away, to who you know I don't know my cousin or I don't know so that one I was very sad because last time ultraman was the thing what was the in thing you see when it fight with the zipper behind so


is was the in thing so when I grow older at that time I think I brought my mum to Bugis junction then on top there there's a toy shop right ah what this uh bookshop this japanese bookshop and then got the same range of ultraman toys you know and they were selling for almost close to two hundred dollars you know and then I show my mum


remember the toys last time you buy for me the ultraman she said ya you were so crazy about it ya ya ya why mum that one how much did you buy them for no ah very cheap ah last time around like ten dollars each kind of thing you know I said mum come come come come come I show you ah this whole set now costs more than two hundred dollars you know then I show her you know !wah! she just kept quiet you know I said mum now you know why I keep my toys right


I put them in the box I don't take them out unnecessarily now you know why already right then she like quiet then she like, ya next time you do clean up yourself lah then start lah but these are the fun things lah that that we learned that we learned during our lifetime !aiyo! fun man ah


not that far lah not that far


how old were you six years old seven years old


, ya scold ah , scold or rotan


ya ya last time was still tutorials what


!oi! you all tembak ah I just walk ah, at least you can do that mine when I'm young my dad told the story he went to you know last time whitley road below the uh flyover there's the, because I'm tour guide opposite the old police academy that area there so she said


we went there for dinner and then I was around primary one or kindergarten at that time, so for some reason, I followed another man so my dad was telling the story, so and then I I just follow that man you know that particular man and that man according to my dad looks exactly like him


from the back but not from the front because when he the fella turn around turns out to be a person of a different race and then I started crying, so that was then my dad went over and then pick me up I say why you follow that man so my he he said that I told my dad is I thought that was you then he said no I'm sitting in front of you having dinner why you go and follow the fella


uh no because I thought I saw the person walk [orh] so I thought you finish already then I chase after you lah then uh but these are life experience, experiences ah you don't get that now you ask parents to do that now whether !wah! they curse and swear goodness my daughter wong wrong way just five steps wrong way only I already make noise


I don't like do like what my dad do you know just keep quiet follow then see what's her reaction eh, things like that !aiyo! different ah, who are the people that we most cherish it in our life and why !walao!, for me is my parents ah


because ya lah actually actually there's two layers ah, first one I've to thank my parents because they brought me to what I am today, and then thes the second layer is my family but


my own family was to come first ah, you know because is flesh and blood already what you know so so I cherish them why, my family because I think, when I got my kids my wife and kids are always there for me ah no matter what good times bad times they are there they know that when it's bad times


uh some way somehow they know what to do lah, the the the unspoken way lah of what to do , you know so like let's say after work come back have a bad day my daughters won't say anything will just sit next to me just cuddle only that's all, when usually when I come back only ah


so even some of my friends they've seen it ah when they come back from home only right they will straight away start talking to me even though I'm, talking to my friends or visitors or what they don't care about the rest of the world so so when they see I have a bad day they know what to do lah so these are the people I cherish the most lah, ya emo eh


ya become very emo


solo ah she follow you all !wah!


ya that one my mum that's why my mum slave driver but like I said lah although slave driver, !walao! eh I tell you ah, poly get a B get get B you know, poly don't want to get B really so difficult poly you know get B is so difficult, !alamak! I come back with a C only Kena man goodness you imagine ah sixteen year old seventeen year old boy ah Kena rotan


, I already bigger than her still Kena , but I Zao lah that one not so bad lah but, but because she push ah and I think without her pushing also I won't get to what I have lah so but people


say lah eh your mother so tough on you your dad more relax on you you still close to your mum so ya but is is a mother thing lah hard to explain lah but it's a mother thing lah, !aiya!, !wow! eh bro what is the best song lyric that you have ever heard man


I I got one lah actually, this one this one I think this song is before I'm, born also queen queen, queen queen this one is the the show must go on, !wah! that one that's that's the only got a few motivational songs ah but this one this one is the one that


that uh really got the impact ah because when the chips are down ah, and then this song comes on ah, then at least it it motivates you because the line ah inside, my heart is breaking, my makeup may be fading


but my my smile will still go on, and then after that it goes on with main lyrics ah so uh so so it's, ya lah you know when eh goodness like parents keep bugging you for grades and then after that when you, work then like people expect a lot from you you know where I think even the best scholar also cannot


deliver so you just try to do your best you know, and and you still got to be positive, that's why some people like to say about shahrin very cheerful shahrin very joyful ah is because I keep when the chips are down also when they hantam me also this song lah ah and some more queen babe freddie mercury babe rock babe


so ya so so that's the one ah, if not is pok pok pok bujang lapok what , but other than that other than that no lah, it's okay


okay wait eh bro ask you ah, this one I've to ask you ah any special concert or event you want to go or not, , now COVID ah they will never come ah so which one


Wei that one legend bro that's must go, actual event !alamak! please lah it's the same goodness it's the same thing over and over again


no that one yes lah you you know me ah eh goodness I even go all the way to find #siti nurhaliza# in KL you know goodness how crazy is that


!huh! it's just that she don't want to marry me only that's all only but but, like okay the concert I want to go that I miss eh and I really regret until now is U two, U two that one that one eh because why why that one special to me because


u two was their songs ah is during that I follow during my poly time when I fall in love when you got challenges when it's about life and things like that, so that's the one that I really really miss ah that until now still regret so given the chance again if there is


chance I will try again but susah ah difficult to get ah that one, ah if if if I get the millionaire thing ah what would your life be if I get to billionaire is to get u two to perform for me personally, ah that one in my one million I spend on that only and then I live to regret lah because I anyhow waste the one million stupid right ah that's only


, nah no lah, health lah


better lah , , so kind, !wah! I'm so touched


then all poor people ya ya, correct, !huh! eh thank you !wah! so fast ah good


for me I think uh I only have one uh saving account uh because uh the rest of my savings is uh I use it uh to, uh usually for my endowment as well as for savings for my kids that means in other words uh this uh I put aside some some money for for their education


as well as a tag to the insurance that means the insurance uh provide some form of uh coverage for them at the same time saving for their future, so I only have one saving account myself one and my wife one that's all


okay uh it is a and is monthly contribution that I make follow the date they break it into, uh uh trust fund endowment plus the coverage for for for my children so uh there's a specific amount that I put uh


inside their account to this uh to this few uh insurance company ah uh for as as as a saving for them in the future so, uh my saving account I use it to uh for GIRO ah that means for my bills one saving account for my bills for my insurance uh and my three kids' endowment and trust fund so I only have one saving account the saving account for my wife is for her to to use it but as for me personally I only have one saving account


, so to me is is form easier for me to manage because if I have to have so many savings account then uh I may have issues in managing the several savings account so my take is that uh to have one saving account is is better for me ah


I see okay that's that's good idea lah uh so what what I did, to to to uh uh to, refrain from spending more than, what I should be spending uh when all these payment has been made what I did I inform my insurance company uh inform those uh those companies that I have to pay through GIRO to cut at certain day of the month


as much as possible nearer to our payday so I know one once payday come let's say from twelfth to fifteenth right so these are the date the period that I would expect that uh the company uh respectively to cut, uh my money in my savings account through GIRO so after fifteenth I would know okay this is so much amount extra that I should be managing uh so that I I I know that that this amount that


how much I can I can spend for the rest of my for the rest of the month until the next payday, uh so that's how I do it lah uh so I told the company okay uh as much as possible can they make arrangement for the giro deduction from this date to this date because I don't want it to be cause my my pay is


around the middle of the month our pay is around the middle of the month so uh I don't want the GIRO to deduct at the end of the month cause I just afraid that eh sekali ah the the amount is not enough or I have overspent, ah throughout the month ah so I make this arrangement with the companies ya


uh okay, ah yes the same goes to me I've only one credit card, uh which I use uh only when first is


last time lah when we used to travel lah but now cannot travel anymore ah uh when overseas secondly if really really ah really really need to use it ah or there is uh , like what do you call this uh some form of benefits lah from the uh respective retailers ah that they say okay this credit card you will entitle for certain percentage right uh but recently ah recently


one of uh uh own my only credit card ah I accidentally ah, cancel it , because through through the through the app ah uh actually I was requesting for the waiver of the fees sekali I accidentally say cancel card


and then uh when I call the the company ah I had a hard time ah to tell them that to activate they say cannot go online cannot go through the call I have to yes ya no they ask me to send a physical mail


to the uh card service centre to to give them the reason why I cancel the card, uh so I now contemplating whether to to really tell them that to reinstate the card or otherwise ya but I only have one ah credit card just like you lah I have one a debit card one credit card


(uh huh), correct correct correct correct, uh because okay the reason they don't give me the new card because uh when I call them up I say that uh I accidentally cancel and I want to reinstate that uh that that particular card


with the same number uh because uh uh because why sometime when we uh purchase something online ah we register with that card right uh so it's a hassle if let's say they were to change card then we have to book uh when we go in then we have to change all the information


so that's why they say if let's say I want the card again, with the same number ya uh so I have to physically send mail ah not not cannot go through email also must go to mail physical mail said uh write to them and then they will consider to reinstate the card with the same number


ya ya that's K


[orh] okay okay okay, [orh] I see I see


okay okay, ah [orh] okay okay okay okay


as far as debit card is concerned to be used which I'm not sure whether it is safer, to use debit card oversea than credit card, ah I I I I'm not sure ya because to me my understanding is uh debit card once you use it ah


uh they automatically deduct, from your saving right, so uh credit card is different uh is like you you pay now, eh you use now pay later lah like something like that lah but debit card so that's why uh sometimes when I'm overseas ah uh I contemplating whether to use debit or credit


because my my take is that debit ah for example ah if let's say it is uh uh the the the the retailer of the place that you buys the the stuff ah they mistakenly overcharge you ah, let's say is that then you did not realise ah after you come back you say eh


!alamak!, that amount already been deducted from your


yes yes yes


exactly ya lah, (ugh) so, you open joint account with your, your wife, K can you share with me, because I don't, I don't practice that it the moment so maybe you can


because unlike me that uh my my spouse, my spouse is she's not working so whatever is mine is hers, uh, whatever ah is hers is hers so uh there's there's no point of us having a joint account or


I'm not sure maybe in future if let's say you know she get into she's doing some business or what when she wants to have a account and then she wants to have a joint account with me then maybe we will decide later lah but I think what you have done the thing is a good good good way of you know uh, of of uh having a joint account


of managing your your count together lah


yes uh he does ya but uh I've got I have uh three kids but uh uh I they have, uh two ATM uh, one is the eldest one have uh holding to her own but the other two is combined so one card for two person because they are still young so ya the young the eldest yes she's holding to one of the ATM card correct


ya so but (uh huh), yes yes yes yes, yes yes ya lah


ya correct correct ah correct correct correct, uh, ya that, correct so my eldest uh uh child uh she's she's she's uh now uh study in polytechnic so uh rightfully you know is only right lah she hold she's holding to the card lah so every month if I transfer money to her account right so it's it's easier for her to


to, to use the money ah from the ATM machine, ya eh eh ah ya , so like the younger like your your children and my younger children I I don't think so at this age ah they should be holding to any ATM card


[orh] okay okay, (uh huh), I see it's interesting


okay okay okay


ya I think uh I think the the moving forward that thing uh all uh our, our expenditure and our transaction in future will will be cashless lah ah that's what I see I I mean nowadays you you've sees uh students also ah I think their their their their parents ah provided the uh ATM cards with to them lah instead of cash


ah only that, they have to manage ah I think they they really have to monitor all these ah likewise like for my daughter also ah I only give her specific amount every month okay if uh unless you know she really needs to uh uh and uh she needs she really needs the extra lah otherwise ah there is a specific amount that she has to manage inside her ATM card


anyway uh, this uh about uh , err the, uh cashback points ah, no certain cards certain cards have this uh cashback points ah uh cashback points in fact ah


all these I really ah I really really do not monitor all these points you see when when when the the letter come to me or through the apps ah I hardly monitor these uh, cashback lah points or what so, sometimes ah uh all the points expired


uh so, I'm not sure whether , uh all these uh I believe some some people they really really monitor how much they spend and then the points that they really get it it into good use lah I mean they they claim for something but


I feel that all this point ah it's a hassle lah for me to monitor and then to make a claim and then sometimes whatever they provide, to us ah what we can claim ah is things that I do not need I do not want to claim ah so do you have this this problem or not I mean like do you monitor the points that you know the the credit cards give to you and then uh you really make claim


ah, [orh] ya ya ya petrol okay okay correct correct


ah ah


negative experience


, bad bosses ah okay can can can you elaborate on that ah okay okay okay alright


ya I think I think you're right ah we we don't like bosses who are so called pretenders a'ah, I think uh there are there are bosses who are uh act differently uh in our presence but uh somehow


uh behind us ah, he will say differently about us ah so this are the thing that the and and some bosses uh they, they somehow uses us of of some people uses us to for their own uh credits ah in the in the sense a'ah


so they want to do something they wants to act uh they wants even uh they want us to do something uh this is for their own benefit so I think I've gone through, uh just like what you mentioned uh something similar about uh this type of bosses and even even I have I have uh also uh


experience with, my own colleagues ah ha or friends ah who are also this type of people you know uh the thing that they they, in front of you they are so kind they say you are good blah blah blah blah but, you know in fact they talk bad about you to others ah


and the best the best thing ah sometimes ah uh you really trust this person you know or really trust these people but at the end of the day ah you find that they are the, I don't want to use vulgarity lah ah but uh they are what they are lah right ah they are what they are lah ah


the the best part these people ah sometimes those who , who did, they correct that's what I'm trying to say they don't feel guilty what they feel that what they are doing is right, you see ah so


[orh] I bet that has ruined your holiday ah bro


so you yous you you, you you you went to australia and you found that uh, he was there, what did you did you did you talk to him the other time when you were in aussie, [orh] you talked ah, I see I see


ya lah correct, so you you you you travel quite a lot ah I think I think you travel to many countries


uh before fair bit ah, see, [orh] haven't conquer the world lah okay uh !wow!, I think I think I I I I I think I need, to share one uh one of or in fact the worst travel experience that I have ah


I'm not sure whether it was my mistake on my part, or or not being too, understanding the culture of that country, you know we asian ah we go any uh #pasar malam# or any shops or what ah, let's say if we go thailand we go to the what do you call that the night market only ah we try to bargain ah we try to bargain for the products right they open the price uh hundred baht we try to slash fifty baht


so I went to one of the country uh part of europe ah this country ah I don't want to mention which country lah maybe it's the culture maybe it's the people I'm not sure, so I try uh it's was a a a bazaar a bazaar like just like one we had in maybe in KL in Petaling street all these ah


so I thought that [orh] okay lah this this this these shops uh, uh we are allowed to discuss or bargain on the price so what I did was, okay he open the price ah okay uh so for one shirt this amount so I say okay can you give me I cut into half lah like just what I did in thailand ah


like you know action lah you know want want to have a fifty percent cut, in my face ah he's he said, the vulgarity word you know towards me I say eh what happen ah so I go to the next shop just beside him


so I ask for the price again and I also try to ask for bargain, few of the shop owners come to me you know all all they really f me you know I think why because


maybe in their their their the that's the worst experience I was really traumatised you know because there's so many of them come towards me and then F me and then asked asked me to leave there their shops, uh then they said how can ah they never there then they never really, explain to me ah why what's wrong what's wrong with my my bar bargaining on the


on the items itself they never explained to me , so, I was traumatised I say luckily, my uh because I took the , travel agency ah in that country ah who bring me along cause he was not there at the point of time so he explained to me that


there are some shops ah in that place ah they don't like us to bargain on their items because if you were to bargain they they feel that, their products is of no quality, or, not so good quality fail quality so whatever price that they give you ah


whatever price that they give you, right, is the is the final price you should not be bargaining so it's different from our maybe asian experience ah we used to it, bargain so I was really , !wah! really really like you know last time we had in uh this uh #sim lim# ah sim lim those tourists ah who also have this kind of experience ah really I I really have headache ah and


and at that point in time I and my wife [orh] my wife I think he has she had to drag me you know, drag me away from them because there was a group of them already surrounded me like I I stole like their products just because I bargain on uh uh on their items really that was really I was really traumatised


luckily after that ah we you know we went out from the bazaar ah uh my my tour tour guide ah bring us up on a bazaar ah then I decided not to go in anymore it was good actually you it was a good uh, uh place lah for you to visit and uh you really buy their their own product


ya it was a good place to to to to to shop but just because of this uh maybe is not understanding their culture so you know, after the the next few days ah I really traumatised with what happened to me I just


can't imagine lah if let's say all these people ah they really like want to really whack me you know ah they really like to whack me you know uh, ya so this is the the worst ever experience that I ever had ah, ah, maybe since you also travel a lot ah maybe you other than just now you mentioned about your


your your your colleague or your friend ah who backstab you and you found him in the australia


ah yes yes yes yes ah correct correct, only [orh] ah


you you plan ah ya, , a'ah a'ah ya lah ya lah ya


ah ya ya


correct ya you should not be bargaining ah, ya (hmm) ya (hmm) ya (mmhmm) I see okay uh okay K okay my greatest fear


my greatest fear to be frank with you to is to face death, that's my greatest fear, I think everybody will, everybody I think everybody will, have that kind of fear ah but


we can't we we we cannot be running away from it the so we have to, live our life to the fullest lah, ah so , that's my greatest fear lah I I as as as a, as a muslim ah ah


that's uh something that I always have to , uh give myself a, uh of what, what I have done in my life so in in our religion right so we have to we have to be


thinking about, about death we are we are encouraged to think about death so whatever we do good deeds in this world, will be rewarded thereafter, so what I'm I'm saying is that uh, since that is my greatest fear right now I'm trying to be


a better person ah you know than before, so, that is my greatest fear lah I'm not sure about you maybe you want to share with me also what's your greatest fear


ya ya ya, ya ya correct ya okay (mmhmm) ya ah ah correct correct correct


ya lah I ya lah I I agree with you it's not about thinking about what we going to expect after death but also those who we left behind ah, ah but I think uh, uh you're you're you are lucky in a sense because your I think your your spouse is also


is working and then she knows what what she should do if let's say you you you you pass on ah but uh for me uh I'm the only sole breadwinner so that is also one uh you you have brought a good issue that is like is also one of my greatest fear lah what will happen to them let's say


because I'm the sole breadwinner what will happen to them so that's why now uh as much as possible I try to, to to equip them with, what they should have, if let's say I'm gone, right eh eh uh, take on K


positive experience, okay, so uh when I was a child I was staying in a Kampung they they call it the they call it the Kampung place they call #jalan pasir# ah now actually become part of the you know Eunos uh area whereby previously there are


uh a lot of uh, car, uh servicing a company there ah so that was #jalan pasir# so everytime last time when we need to go to the market I would follow my mum uh riding a beca to the market and uh we had a fantastic time with our neighbours you know regardless of race and religion ah


uh we were having places that we even you know there are time there there are time my my Kampung my my Kampung itself we don't have, my house we don't have a TV, so what we did all of us ah will go to one of my neighbour, a place who has a TV and then we we we we


every night we assemble there then we watch TV until until because that time I think TV ends around midnight or earlier ya uh or earlier so we just watch TV lah have fun lah uh other than that you know, uh uh we , we go out to the Longkang all these play but I only stay in Kampung until the age of six before I moved to to HDB


with flat lah so I think that's the best time that I had lah in in during my childhood is not it when I I move to to flat ah uh it was totally different totally different experience you see uh ya I was very adventurous ah when you know when uh I was


living in uh my Kampung I very uh very uh adventurous experience ya, and uh I remember that uh we I play with a a a a a group of kids who are elder older than me I was the youngest then


but they , they they, do a scenario ah like I become hero you know, so they they caught me ah they caught me they tie me but they tie very lightly ah you see then I become I become hero I I untie the rope and then I fight with them you know then they teach me how to make a a weapon from


from wood, use the rubber band and use the cherry ah, treat it as a as as bullets as rounds !wah! that was really fantastic really fantastic ya I think, is a is a valuable experience that that I had uh when I was in Kampung, ya ah different ah


!alamak! that means ah you learn from books ah okay okay that's good ah, , ya okay okay okay ah ah ah okay ah okay okay !fuh! okay eh okay


ah okay okay okay, ah a'ah, [orh] okay okay


(ppc) okay


like maybe you were uh when you were younger ya you have a, different experience as as me uh as as far as toys concern ah, I last time whenever I want to buy, toys for myself, I've to save my own


that means ah, my mum ah will never buy for me any toys, from young of course when I was adolescents is different ah when I was infant that one different ah with baby different a'ah that kind of toy but when I I go into primary school right every every toys that I want ah


I have to save and then I've to, uh uh, looking for myself and by myself, K good and bad because to me, sometimes my mum also do not know that I buy toys, re and my favourite was star wars, everytime I have last time I've a lot of tile uh star wars models ah


uh and figurine a lot, okay so everytime I got some saving money ah then I would buy toys I would eh , every year ah I my then ah funny you know every christmas ah I would tell myself ah every christmas I tell myself eh must buy toys every christmas must buy toy because why


because there every christmas there are there are same so I would ah so I would definitely buy some toys you know but the best part ah, before we move house ah, K there is one cabinet ah where I put all my star wars figures and star wars all those those toys ah


then ah my mum without telling me ah, give to all to my nephew because they say eh these are toys you know you are that age ah you don't need anymore !alamak! because he doesn't understand ah that all these toys are actually can be used for some form of investment you you cannot sell because


those toys the makers ah are not, available now anymore, ah that's figurines and the maker is no longer ah yes collector's item so and then what to do ah, so, ah ya ya ultraman ah my brother likes ultraman ya K


ya ya ya ya


correct correct correct, ya ya lah correct , you know ah uh last time when I just move from Kampung ah to my flat ah my first flat was somewhere near Kallang


K, so my primary school my first primary school was in guillemard, you know what happen I uh, guillemard okay lah Kallang guillemard not that far off lah, but uh to from Kallang to school ah uh from Kallang to my school like uh


uh took a van K took van ah last time we hardly take bus lah we don't know how to take bus also at that age at primary one, so one fine day I I play with my friends ah I forget about the van you know then the van left, the van left ah you know how because I think because of my my life experience childhood life experience ah


I came back you know I find my way back ah all the way which which is the first time you know I never walk from my school to my my house that time from Kallang to guillemard I don't know how ah I manage to ya then, ah that was primary one, seven year old ah ah so my mum ah was all


afraid you know eh how come the van the van ah and next time was eleven cause, the van was uh I'm not inside so the van didn't go at, you know near my block lah that time lah so I mean eh how come the van is not here and then at that time no phone no nothing ah even pager was not available at the point in time


and then you know they they even somes at that point some flat also do not have a telephone you know the house phone so they just from far they saw me dragging my bag , dragging my bag !wah! they were really ah then of course ah


being mum ah the first thing, what they did scold, so I Kena scolded first then I say lah uh you know I didn't take notice of the van ah then the van left me !wah! really you know the whole family ah thought that you know I was kidnapped or something, see cause last time ah last time uh that was in