thing in Singapore you know so it's not just a new different weather though they have like , different cultures also there like you'd think that in like Australia or maybe countries like America there would be like a really you think there will be a homogeneous culture there but actually they're pretty diverse even in terms of food


like the food like we found like a lot of different like really good different like halal turkish like restaurants in Australia which I think it's ya it's pretty it's pretty good for for a country that , I don't know maybe you didn't we weren't expect to have this kind of things you know


and I think some of the most like okay like the most memorable activities I guess , that I did there was like okay you know how like when you go to Singapore zoo they may not really have stuff like being able to, touch the animals and stuff like that but one of the experiences I had at the zoo was that I actually got to like touch a snake so like take pictures with it so like ya they will actually put like okay it's only small snakes lah it's not like the really huge ones


so like the like you just sit down then whoever wants then they will put like those like snakes like like around your neck and stuff like that just the just to for you to like take picture and like show off that oh you know you're brave enough to do it that kind of thing


no no no, oh okay we actually stayed at the at the farm stay I I think that's kind of common in Australia like if you were to go holiday there so we stay at the farm stay and so we got to we were just basically surrounded by animals the the the entire day it's like it's really it's really like something of harry potter you know where you're surrounded by the forest


and then you're just like in a cabin that kind of thing, it's like it's like oh ya it's the it's just that that kind of vibe ya then at that at that area also right because like near the farm stay they had animals like koalas so if you wanted to you could pay and like go to see them and then you also get the chance to like hug them and stuff so I think there was just


my happiest moment that was that was like that was like ya still still make me really happy i know that makes me sound a bit weird but it was fun okay , okay then uh since we're talking about stuff that makes us happy right is there


like anything for you that like ya you feel you're thankful about, because for me I'd say okay I know this may sound very cliché but it's true okay I feel like one of the most things that I'm thankful about would be like our uni education because if you think about it there are a lot of people like


outside who don't actually have access to this and when we are in uni right if you realise we don't cause we're from JC right so before this we never really learn a lot of stuff that's related to the the real world but then when you go to uni we take mods but we learn about stuff like poverty or like depression


and so many different sort of real world scenarios and applications so I think either way it's really eye opening you know and , I feel like through this few years that we've been in the uni I guess it, it kind of made me realise that it's a privilege that we even get to have this uni education and I realised that me realising that it's a privilege is a privilege itself you know so I guess


ya and it's it's it's so I guess in a way it makes you more passionate about about what you're doing you know cause you you have a you sort of have like a a goal or aim in mind when when you when you study ya what about you though


like the small things that happen like just the small small like events is it, ah <P2>casey</P2> yours sounds more cliché than mine but okay lah I mean I it it it is true to a certain extent so then have you ever received the like or would like on your birthdays are you a birthday person and have you ever receive like like birthday presents or a birthday present that to you was like really amazing


you don't really celebrate it ah


oh they surprised you, oh oh


there's no one thing, oh okay, for me okay for me it was quite recent my really really close friends they got me this customised item I'm not gonna say what item it is you know just to keep it mysterious but


and they got me a customised item and the reason why like I it was so meaningful to me was because this customised item was just me on an item you know like my favourite memes my favourite food my favourite artist my favourite quotes like


everything was just on that item so when I looked at it, I guess that's that's why it made me touched you know because the fact that they remembered all this after so many years after so long like you don't like for you you were surprised because you don't think they would have remembered your birthday right or even had a surprise for you


so it was the same thing for me lah like I I wasn't expecting them to remember all this little little things over the years so I guess that's why it was it was considered like so called the best present for me


, ya that's true ya then is that okay since since we're talking about sutff that makes us happy right are there any, like food like comfort food like you always rely on like when when you're sad are there any anything that you really really like always rely on when it comes to comfort food


what bread okay you see I wasn't expecting that


oh like like nineteen eighty three right, ah


so it's like a very fulfilling snack , it's much healthier than my option , oh okay


kay mine is okay I'm pretty basic okay like my favourite comfort food would be kay two things ice cream and yogurt, so cause like for me like when it comes to ice cream right I actually eat I'm okay with anything and everything except matcha I know that's a pretty unpopular opinion but ya I really cannot take anything matcha can you


oh like do you like it you like it a lot or you just like like you just okay with it, uh I I I really cannot take it like I don't mind like I don't mind green tea like in the packet like a tea packet you know but if you're going to talk about matcha in like ice cream or yogurt ya that I really cannot take


so ya so when it comes to ice cream I can take anything and everything except that and when it comes to yogurt okay for a few years now I have had like this I can I don't know maybe you can call it obsession , with yogurt but ya I have an obsession with it and like we're not just talking about like froyo you know but like the actual yogurt you get from NTUC you know like the healthy kind


ya I eat that a lot like I to the point that I can even recommend you what brands like what yoghurt brands like is good what's not what's worth the money like expensive but worth the money and what's not you know like I've an entire list I can give you that's how much I've eaten it over the years


but, ya I actually do eat all the flavours except okay you know NTUC has those yogurt where like I okay I don't know what brand it is but uh the kind that has those like fruits inside


I don't know what kind of it's like the preserved fruits or something I don't know ya I I hate that I'm sorry but I really , do you eat that like can you eat that, the the only one you eat , really


okay what about what about like not those greek yogurt but like those kind of yogurt that has like honey inside or like fern lah that kind, so you won't eat those kind of yogurt that has like the sour like there's a bit sour


really oh my god you should try though because for me like those kind of yogurts that's really really sweet right like it's it's too much like the fruits itself feels that it's too much like the fruits are sweeter than the actual fruits, you know so ya


ya no really ya ya that's why I cannot I cannot take this this kind of yogurts ya everything was everything's okay you should you should I can recommend you you know outside of this I can recommend you some , you should try you should you should be adventurous


okay so then let's talk about okay what about like what do you love most about like yourself since we are talking about stuff that makes us happy right is there anything about yourself that that you really like


so you so you are like a loner by choice


!wah! please teach me , I cannot like I can't even like I can't even like you're okay with like eating alone and stuff like that right okay I cannot I have never been able to do that so the fact that you can do that is like something I wish I had because I will whenever I eat alone I always feel so self conscious


I don't know why ya really I just feel like it's lonely but I guess , okay cause with me I feel like, one thing I think that I appreciate about myself would be maybe like the fact that I can be very empathetic like it's from what I heard lah from my close friends they've mentioned that I have this ability to like empathise with people


even though I may not go through what they have gone through you know, so I don't know if that's something like really really good but I know that something I really do appreciate about myself because then if I can empathise with someone even though I didn't go through that problem then there's a high chance that there's something I can do to like make them happy you know and


I guess being able to do that in itself is what makes me happy and what or like it's what I guess I appreciate about myself ya but I mean I guess in a way this can also be a bad thing, you know because like it could I guess it could make me over sensitive over intuitive in a way


but I think I I think it's a it's a it's a good thing lah that I I I really like do you are you able to like have this sort of thing with people also


nice character trait are you able to do that though like are you able to like have your have your friends ever cause I mean like a lot of people I will like say like we're or maybe people who are a bit more introverted may not really show this sort of things but do you think do you think that's the case


not necessarily, oh ya that's true


ya I guess so I guess it's not really it's not really depending on like on the personality but more of like who you are showing it to right,


okay for me right I guess my perfect day will be like the most okay it will be it it will basically be a day where I just get to chill and do like stuff that that that is very relaxing you know so for example like for me I love reading books you know like I love


like cause I've been taking literature I took literature for like six years in school so I guess after about six years of study literature in school I kind of like, gain the liking for literary books you know so it became a habit for me to start collecting and buying literary books which are actually really cheap you know you can get it from like is it is it called times


that's what it's called time berjaya times takashimaya also or even like online bookstores like, uh let me uh I've I forgot I forgot what it's called but there's several online bookstores where you get this really uh cheap literary books like literally five dollars excluding shipping including shipping just six dollar something


so that's why like my bookcase has a lot of these books so if you really want to talk about perfect day it will start out with me being able to wake up like maybe around eleven grab breakfast you know start reading a few of these good books, and then maybe like going out with friends to just something really chill like maybe just a picnic Bodoh of course whether or not we can do that in COVID is a different matter


oh but then where did you buy the second hand ones


oh ya okay that's that's pretty cheap so then will your will your perfect day also be like you like reading books and going out with friends also or, is it okay same stress


oh, then oh !wow! okay then like that oh okay


part one finance, okay yup


do you want to share your thoughts first about the scheme, (mmhmm)


ah ya I heard that like getting an interest rate above inflation helps to make sure that your investment kind of stabilises


so like also CPF investment scheme there's like higher chances of guaranteeing reliable absolute return right so for example like if the special account is, has an interest rate of five percent then it is kind of confirmed that we can get five percent regardless of like singapore's economy and like I think it like given that it's by the Singapore government government it's probably one of like the safest investments available ya


ya but ya but I think on the other hand like some may not like it because it doesn't allow us to control it so even though


okay, okay okay yes okay


oh i i was saying like on the other hand the CPF investment scheme is probably not to everyone's liking because it doesn't allow like us to control the amount of money we have like even though it provides like reasonable great returns


we can only withdraw them at fifty five years old like everyone else so like personally for me I do not like my own money to be locked away for a period of time, so and also like considering our situation where like we kinda start working at twenty three twenty two after getting a degree right or like some of us maybe start working earlier because of like other qualifications


but yet we can only like withdraw it at like after thirty three years


(mmhmm), ya but I think I still think like to a certain extent it's essential for us cause it reduces like our country's social burden as a whole for like people who fail to manage their finances and like especially for singaporeans in their retirement years


(mmhmm), scheme ya


(mmhmm)


(mmhmm) ya


ya ya ya like to add on to that I guess in a way you can say that we are almost guaranteed to get our


investment back in full with like almost no capital loss because like even if we decide to exit the investment it it allows us to it allows gives us the flexibility to exit and also like we don't have to worry about incurring penalties


when exiting which is a good incentive considering we are like, first time investors ya and I also heard like the longer you put inside the Singapore saving bonds the higher the returns so


uh to have a return of about like zero point nine percent over ten years it's actually not bad because like after calculation technically you will receive like one point six six per cent after a ten year ya


ya but like , ya that's true it's also like very flexible for like kind of passive investing where like we want an account which has an increasing interest rate as for as long as we put


our money for like a longer period of time like ten years for example


it's also suitable for like us who has like a smaller investment spending power I guess


ya so it's like not bad considering like we're still trying out investing and also we don't really want to invest in like large amounts of money yup, (mmhmm)


uh I think it ultimately depends on like how much I trust the digital platform that this automated investments are using so cause the use of digital platforms


now they already have like this thing called like pre program investing where that where like they make decisions for us when like , we just enter in our variables like they consider our age or income gross risk tolerance


ya whereas like passive investment , there's no reliance on like digitalisation and we have to gauge ourselves how much to invest in so, I guess for me the automated one ya


ya like, ya if it's like trustworthy and there's a lot of like people who use it as well then I will most ya will most likely trust the algorithmic process that the automated investors use ya


uh I actually know of one through like, a finance professor that taught me so like the robo adviser is an application on the phone and it is quite new but actually developed and improved a lot already like the app can handle


more complicated task rather than like the normal investing so they actually offer features like retirement planning or like tax loss harvesting, ya and I think the robo advisers are also of like a lower cost alternative compared to traditional like advisors for investors so it's not bad


ya like in addition to that they also require like lesser start up capital because like the minimum assets to register is only about five thousand like as compared to like outside which has five thousand as like a standard baseline


so like I don't know if you've heard of Betterment which is like one of like a robo adviser, ya it has no account ya no minimum account


(mmhmm)


is rising high then like we naturally tend to feel good about the stock and then might buy even more and also there is like no one can know how high the stock can actually go so I mean human nature of greed like we will naturally like continuously buy that stock


ya ya and then it will result in like the like if a lot of people engage in this buying low sell high then a lot of good stocks will be depreciated and like in good times and appreciated in like I mean depreciated in bad times and appreciated in like good times ya


but I guess a lot of investors also don't realise when something is high or low enough so it's very hard to measure like how low is low enough or like how high is high enough ya


ya but considering like the recent performance of like the stock market, I guess I guess it's actually still okay to buy low sell high because the performance now it's actually rising like even though there's this whole pandemic thing because I read somewhere that like


there's a lot of unemployment right and also like economic like fall caused by the pandemic but it has not like stopped the market from rising and I think they actually reached like a new high in recent years ya


uh, uh I think uh I read somewhere that they say investors like they are taking into account the fact that the virus is like showing signs that it's becoming less widespread and also uh the number of cases are also declining at least that's a reason ya


ya and also we can see that the economy is recovering from like the a lot of new jobs being created and like other sign as well yes


ya and even though like, the economy is reliant on like FED spending now and also like monetary policies benefit it's still it's showing signs of progress despite the pandemic so it's actually not a bad time to and to invest


yup, (mmhmm), ya are you (uh huh)


uh like no I just wanna ask like are you familiar with investing then like do you invest


part three negative experience, okay


actually main question is what do you often worry about


(mmhmm) (mmhmm)


ya I think mine mine is similar to yours because like what I'm pursuing now is not exactly what I actually want to do in the future so ya so I'm studying like I'm studying somewhere in like


a business accountancy sector right but what I actually wanna do is to work like in a social firm or like a social service sector where like , like you can generally just help others you know like like have a like a fulfilling job I guess


and like not like being able to find like a bridge to like to like bridge the distance between like what I want to do and what I need to do, is is worrying ah like it's not worrying that like it's just that I don't want to waste my


time doing like things that I don't enjoy ya, ya and also because even though I want, to do something that I like it's not exactly a choice for me because like the thing holding me back from going to like the other the other sector is


to a certain extent you can say that it's reality ah cause like generally like the, business accountancy finance sector has more financial stability I guess so like I have to do it to support like myself and like the people around me in the future but it's actually not what I like to do


(mmhmm) uh


I have but I think what you feel, it's actually uh normal I think it's normal because it's I mean it's life and death so it's inevitable yup, ya but for me it was it's not necessarily like the loss itself but like


because I loss like two in a span of like one and a half weeks so ya so like that time I didn't know how to feel because, it ya it ya it happened like unexpectedly and all so like it was a first time experiencing that kind of loss and then it came like two at once so


like I guess my emotion that time were just very confused cause like I didn't know what to feel and I think like I didn't cry also because like even though I was like close to them ya because I just, didn't know like how to feel cause I've never felt it before but like how I dealt with the loss was that I just wrote like


I just took out my phone and like wrote like thank you letters, to them in a kind of way so like that was like my grief coping mechanism I guess, so I think from then on I found out my, coping mechanism for grief and then ya it like I can handle it better now ya if it were like to happen again


yup ya


, I think I have quite high tolerance for like people or like in a sense I don't actually let the actions of others affect how I feel so I don't get stressed easily but if I do get stressed it's mostly because of myself


like yup how about you


do you have like any traumatic incidents that you've like experienced


(mmhmm) , (mmhmm)


but is your fear getting better like are you getting better at overcoming it


I don't think I have like a phobia or like a fear of animals in general but I just don't eat I just don't eat fish because, I swallowed like fish bones like a lot of times when I was younger so to the extent where to the extent where one incident was very bad and I had to go to the hospital for them to take it out for me ya and it hurt


uh then not really it was just it was very fast but I was very young so I thought it was very long but it was just to take out the bone that was stuck in the throat so uh, ya like the other two time that happened I just ate jelly or like ate like rice or I drank water to push it down the throat ya but after that incident I never eat fish I only eat those ya I only eat those that has edible bone


yup uh I don't want to I guess, ya yup


what was the other one that you wanted to mention though


but but but why do you have like that fear of water though like have you experienced like near drown like did you almost drown before


(mmhmm)


I guess it overlaps to like what we mentioned before where like my career goal is to work like in this particular sector but like reality wise


it's not really a good option because I need to pick something that it does not only benefit me but it also benefits the people around me so like realistically like the financial aspect of it I have to pick something that can help a lot of people ya so


I guess you can say that the biggest thing that's holding me back is reality ya what what about you


, (mmhmm)


, yes but like I think academic wise, like it


a lot of people they want to study and learn because they actually want to study and learn but like in reality like schools and universities in general they adopt they want us to adopt like a formative assessment kind of thing but we perceive it we


we perceive it as like summative assessments because of like the exams and tests and and the grades involved so rather than studying, ya I think like in a way


it is very hard to enjoy what you are learning because of like the other factors that go into it


ya like I think on top of that it's also whether you are good at it so sometimes like I can enjoy doing something but I'm bad at it so I end up not liking doing it so I don't like and studying it in the end yup


I would say the second one you yes the realistic one


part two positive experience


, , uh , I think mine was probably the most recent one last winter in december I went to Vietnam Sapa


ya and I think I think it was like memorable because it was not only like a holiday trip but it was a, uh overseas community service project so, like what was different was that I went on it without actually knowing anyone prior to this trip except for like the interactions you had during our weekly planning sessions for the project and it actually only lasted a few weeks so by the end of that I actually didn't really know them still so


but I still went on like the trip with this new group of people, ya, uh yes, (uh huh) yeah


oh like the most fun part was like the hiking I guess we hike sixteen kilometres which was about three to four hours ya and like the terrain was just like a normal terrain also it's like uphills and


ya it's like mountain area and like uphill and downhill so it wasn't boring I guess it was tiring but it was fun and also cause, like #Sapa#'s weather is almost six to seven degrees on some days so like hiking with winter jackets it's actually pretty fun ya


other than that considering it's a community service project it's it's uh we did like the standard refurbishing of like the local schools and like teaching the students there ya that kind of thing


you what's your most memorable uh


(mmhmm), ,


oh winter ya


(mmhmm) ya


ya, , (mmhmm)


do you stay by the by the countryside or like the city area, ah


ya ,


(mmhmm)


ya and also on top of it you are studying what you want to study right


, I guess for me there is no specific, like material thing that I'm thankful for but instead of that it's more of like your daily life I guess it's like the very small thing that you know I mean you don't realise that are there but it's there so like


the small things that you are grateful for which I cannot really, ya so in that way it makes me just thankful for like life in general yup, ya


oh uh I am not a birthday person so like


ya I don't generally celebrate like my own birthday so I guess the best one was when like my friends did like a surprise thing like the first time they did it because, ya like the first time they did it because


I as in I don't even celebrate my own birthday so like when they did it for the first time as a surprise it was like shocking and very touching I guess, ya so there's no like material birthday present ya it's just presence of like the people who like remembers uh yes you


so it's it's like when it's it's just the thought of remembering right that makes like a present nice


I guess for me it's probably , bread because ya like uh, like those like those from like the cheap bakery shops ya uh ya


those of like because they have a lot of variety and there's like a lot of flavours that you can never get sick of it, and it's very light but at the same time it doesn't make you feel hungry as like a snack you know which you can eat like at anytime of the day also


ya and I think it's pretty healthy if like even if I eat it, even I eat it like during midnight or something yours what yours


I can I like it actually, I'm neutral I think ya like I don't mind eating


(mmhmm) yes, do you eat all the flavours though


oh ya ya


uh that's the only flavoured yogurt I eat yes I don't eat the natural no flavour like greek yogurt I don't really eat ya


I think as long as it has taste like the sweet taste ya


uh not not really I don't really like


really uh, I think it I think it's not bad


okay I should I should try it I guess ,


I guess like the key thing is that uh, I like how I am comfortable with myself so like being by myself like I am super comfortable with it and also like


ya and also to like be able to detach myself from things very easily so like I don't get attached to like people or things in general which is kind of good cause it saves you a lot from like feeling a lot of unnecessary feelings yes


what about you , yes yes, oh it's it's very nice


(mmhmm)


, uh like to look on the positive side I guess it's a trait that attracts you attracts people to you


ya I am not sure if I have it but I think it's a nice character a nice trait to have yes


, I think I think like ya, I think like empathy itself is like subjected to the person you are showing it to so ya so it differs for like person to person and also like the way you show it yup


(mmhmm) ya , so uh like other than that how do you describe like your perfect day


uh


ah ya (mmhmm)


ya I like I like reading books also but I don't purchase them from like actual bookstores like I prefer the second hand ones because it's way cheaper ya


oh there's this shop in #bras basah# ya so their books ah I think their range is from two to ten dollars, ya I mean yes it's


I don't have I don't have like an exact hobby but I guess like a perfect a perfect day is when, uh I can get through the day without feeling any not very nice feelings ya so like as long as I'm content and like am at peace during that day it's like a perfect day


ya (ppl)


uh hi I am <P2>venita</P2> and basically I think my insurance policy because I'm still, I'm just nineteen turning into a adult my parents were the one that who find really looking after my insurance policies and like


getting for me all these insurance so if I'm not wrong I have a policy at great eastern and it's actually this eighteen year plan where you start doing like savings kinda insurance so basically it's a endowment plan as well so


my mom has been saving money for me since, I think I was like five years old, to ensure that once the account matures and all the insurance will be very big and the plan would be, quite good you know so yeah


what about do you do you have any insurance, oh


okay personally because I have some friends who are really interested in all these finance topics and all and before this I wasn't really that interested because I was like oh finance it's kind of a boring subject but I realise that especially in this pandemic and all we really need to be able to keep our finance in check because


I think insurance is really important especially during this time and all because like anything can happen so for me I think insurance that because I feel like I have certain health conditions I think health insurance is very important, ya because


through health insurance it can really help us out when, when we are in trouble ah so ya I don't know in this world you should know when, anything can happen basically so ya I feel like health insurance and maybe even life insurance I should start working and soon I think I'll be getting a permanent job so I can try and get a better insurance plan so that like


it will take up my income I think like it's as a younger person it's okay if my insurance if I have to put in more money towards my insurance now because at the end of the day I can get, a bigger amount later on so I think that's what's best for me for insurance but what about you what plan do you think you want to get


I think I


I feel personally I feel that CPF they take in a lot of our money already so I'm not so sure , but I feel like it's better to have more than just one provider you know than just one


I think it's better to have more than one, insurance because, uh because I think it's better to have more than one because you never know what will happen and maybe


maybe I think, with CPF I would rather have a add on with at least another insurance company like great eastern, cause, I think that the ones that we have now are okay but it's better to have, more personally what about you


ya or maybe just focus on like one company itself like great eastern cause we already


regard more on where I'm gonna get my, insurance also cause ya it's better to get, from just one provider I mean and more than just your CPF it's better to get at least from just one company itself or not it'll be very, confusing so thank you for the for about insurance like


whenever I go overseas or JB or even like when I am having any type of you know travel right cause especially as a school student whenever we have like overseas trip and all I always go overseas and I always buy insurance for that as well what about you do you get such insurance


yeah (uh huh)


I think I need to meet your friend I think but because before that I was as mentioned, before my mum was the one handling everything right and then we always went through an agent and like, I feel like because we go through an agent I don't really I don't really know what's going on I just sign papers as well but I think this time I really need to look deep


into the insurance and all the policies cause you never know what are the some hidden clause or anything you know so I think after this I'm going to really like, look through the forms go out search on internet about all the different insurance policies and see what is most applicable to me a student going on to working adult


life you know I'm gonna be graduating and I feel like going to travel so I want to see, what is going to help me through, this insurance plans and I really need to meet your friends I think they seem like really nice people and they really know what they are talking about so I think that's important to get friends who really understand how this works as well as for me to really know how insurance works so


I think right now I just look at the different policies I always see I mean at the MRT stations and all you always see all these people, that are like do you want to buy insurance do you want to buy insurance until it became like a whole trending topic at a point of time because of how insurance agent always try to sell you but I think I know why they're just trying to help us


I think personally when I look for if I'm gonna go and find out or like find for an insurance agent I'm going to find someone that's really that can really I can connect with and really, makes me understand all this policies first again a lot of insurance agent just come out on their forms and be like this best this this this this this like they just use all these jargons and I just don't understand so I think that when


we look out for an insurance agent right personally I look for someone that I can connect with and then able to really have proper conversations and they like, they don't make me feel dumb in a sense, so I feel really understood and I feel like oh this is really important because in the end insurance is really important but the way they represent themselves they really they are making us think that it's not essential but in reality it is so essential cause


like you mention in whatever situation we are insurance can really help us out and it's like a backup plan lah for your life, so I think it's really important and honestly I think schools are trying their best to like bring in this economic topic and stuff but


I think it's not done enough especially for students and all right they some sometimes they just have people coming down to talk but really I feel like they should be more focused and like really give us like a !hey! insurance is important kind of topic you know so ya


I think


I want to do it myself but I do not know if I have the , you know that that willpower to go through all the policies and see which is the best so I feel like a, agent will make things easier for me but I need to find the right agent you know so


(mmhmm) (mmhmm) (hmm) ya and ya


it has it's pros and cons, to be honest (mmhmm) (mmhmm) ya


to be honest when I look at the companies like the ones that are really that always stick out to me are really, great eastern and AIA because I always see their advertising and I think that if they put in so much of effort for their advertising and really like, they seem like they really want to connect with people and help people out so I think if I'm gonna be going for insurance plans I'm gonna look at either great eastern or AIA only lah it seems like


they really know what they're doing and I, I have like some family friends who are actually in who are working at great eastern itself so I think if I'm gonna look for policy and stuff I think I'll just go and you know just like !hey! do you know anything about this can you help me out and really ask because I feel like it's


it's okay to ask questions if you don't know so I think it's really okay to just go and ask these insurance agents or at least learn from them maybe this time if I go out to like the MRT stations and I see I don't know if during this COVID period they're still working but ya, if I still see them there I think I'll go and be like !hey! what is this plan about I'm looking for buying insurance for myself so and then learn you know


so it's like I approach them for the first time instead of them always just coming after me


yup I think ya I'll look for that when I'm going to go and see my insurance also think of the future (mmhmm)


negative experience, so for me


I like to watch a lot of movies and there was this one movie that really that really touched my heart so much recently and I was actually bawling at almost every like every ten minutes on the movie was actually, the sky is pink


it's a true story it's on Netflix okay basically this movie's about this girl who was born with a lot of conditions like health, conditions, and the mum and dad it shows the story of how the parents, went to like how to say


go through the process of giving birth to her and also, showing right how they took care of her because they also had like a a, eldest oldest son as well and they even had a child before that who actually passed on because of the father's neglect


so this the story was really heavy and the daughter the last child is the one that has like a very bad medical condition I think if I'm not wrong she ended up having cancer at the end so it was like one after another she kept having health condition it shows the determination of the mother


who really spent her whole life taking care and devoting everything to make sure the daughter is safe but it showed like how stressed out the mother got and it showed like how stress how how how like one person with, how one person itself can affect a whole family and honestly it was so sad the moment when the person actually passes on later on as well it was such a sad movie because it shows how you break the family how the family it shows the happy moments and then the sad moments so


that movie really broke my heart and I cried so much what about you have you watched the movie recently that really hurt too


it's just so heartbreaking I think I think what would've hurt me more is the process itself cause like when the person passes on right it's not at least it's a one time thing but during the whole process where they were suffering just unable to like how to say interact with each other hold each other I think that itself would have just


broken my heart honestly ya oh no oh my god that's


but uh I can imagine the emotional turmoil and everything, (mmhmm) so traumatic, I guess it's not really I don't know if this is considered a trauma but I remember when my like last year I think I've have been a year when my best friends we were all doing this project for school and then it was going well the thing is that as


I have a lot of commitments so when we're doing this project I was actually helping out with my other commitments because I was the president of a different club and also involved in another executive committee and these people thought that, I wasn't paying enough attention for the group project itself even though I did my share of work and I really put in all my hard work and effort and time right they were like oh this is not enough okay so in my school right we have the system where our friends can peer evaluate us


and there's this thing of marking down so basically if you mark down a person below seventy five per cent to fifty sixty something percent right no seventy five percent to fifty percent if you give them a evaluation score there they would only get seventy five percent of the grade the whole group achieve


so example if I get a A for the project right, I would only get seventy five per cent of that A which means I get a C so that itself means that, I get a very low grade and my friends did not understand this concept at all


or can I even call them friends anymore but basically they didn't really understand that concept and I was like !hey! I understand that I made you upset throughout this process but really if you do this it will, affect my whole grade okay if you're gonna mark me down is gonna affect everything and they like no no no we're just going to give you a B and to say I've already gotten straight A's for that whole


module right and because of this assignment I managed to get a B I mean like it might not seem huge for you but to be honest a A and a B during a GPA setting its really crucial and important this, just this A could have helped my GPA go to like a three point eight or three point seven but now I'm stuck to a three point five I know that sounds okay but it's not okay to me honestly and really it was I think it's not even the fact that they mark me down is the fact that they're my best friend


you know and it's like when this experience happen right at first I was really I was really destroyed I was really heartbroken cause I was like oh is it my fault is what they are saying true is it really and I'm honestly got into this whole state where I was isolating myself and like whenever I see them its just


I try to go away and try to just leave and like the worst part is that they were my friend group they were the people who I hanged out with in poly all the time so now, without them I was literally just going alone I know it seems very little and it seems like it's not really that big right but I feel like when you trust someone


with your whole life and you do anything and everything for them and then they end up doing this to you like this backstabbing thing I think it really, really just, hurt me to the point that I just couldn't I I couldn't act like normal cause they were like !hey!


isn't school, school and like friendship friendship so they were tryna bullshit like oh you're supposed to act like it's perfectly fine this is nothing and and it really hurt my heart cause right after they mark me down right the teacher said that my grades weren't affected then they asked to mark me down even more


so, ya so I think that really like it shows lah like they just wanted me to get a lower grade and when I try to explain it to them they were like oh you just can't get the same grade as, us, so it already shows you the main intention there lah so I think so it took me at least one year to really come out of this whole isolation and like this fear of them and like it just it's changed me as a person it really changed me as a person like I don't have this trust I


whenever I see them I get a lot of anxiety and a lot like this person was really my best friend the person I was really close to like really like the the ride or die kind of thing you know so when this happen to me and a new party came in and like I just felt like I was replaced by them and I just can't even


hangout with them anymore in school it's just


!wow! that was really I had goosebumps listening to your story and that's really really very sad and, I hope as much, I do not want to go through such an experience first that's honestly one of the reasons why I wouldn't join like the nursing profession cause I have huge respect for you guys but


its just too hard on emotionally and mentally for me and I don't think if I'll be able to cope with it so ya life is really precious and thank you for sharing that story really opened my eyes in how things can happen at any given time at any moment so ya


that was really, I will I think I'm gonna go and call my grandmother after this and talk to her and say hi and really ya that life is really very precious ya


positive experience, okay so hi I am <P2>vinita</P2> and a lot of things make me


smile and I honestly I like to be a, happy person, so like there are a lot of small things that make me smile I mean like in this life there's a lot of like negative things in the world but honestly when you look at the positive a lot of good things that are happening as well, so like small things that always makes me smile is honestly


it's like a lot of small things like, I just see people who are, happy and I see, people, you know helping each other those kind of things really make me smile especially when I see a elderly person, and a young person like conversing you know like the uh young person go and help up the elderly person it's like it's like you have


the, faith in humanity comes back to you so ya a lot of things make me happy what about you, exactly , oh my best


movie I feel like there has been !wow! there's a lot of, movies that has happened the best movie I think , do you okay my all time favourite movie would be since young till now right I would say the incredibles


uh since young I know it's just a cartoon, movie but the movie really showcases like family issues like, it it's just so cool, it's a superhero movie you know it's like incredible so like it was incredibly awesome for me and like I love the fact that like the sister and the brother and the baby jack jack especially when the part two movie came out and the baby actually has a lot of power it was so funny it's a mix of like families sentiment and like


though it's just everybody is very happy so I feel like the incredibles is really, incredible to me what about you what's your favourite movie, oh oh


!wow! I understand I actually watched the trailer for that movie and I was like !wah! I need to watch this movie but I think my heart just can't handle the it just seems so sad so I was a bit afraid to watch the movie so I think maybe I'll go and check it out after this but ya so


generally what you say really does occur in life and we really have to be careful that's why I think I'm very happy, for the friends that I have especially my best friend right when I think like we are people that we don't stand for any type of injustice lah if I remember in secondary school and like people are getting bullied or like there are some kids messing with other kids and all it's either me or my best friend that will always step in and be like !hey! stop okay this is not


this is going nowhere this is you're not supposed to do this why are you, disturbing other people I think that's one of the best qualities that I see in my best friend and we have in common cause we really don't stand for injustice and honestly, my best friend and I we have a lot of things in common but like I think we also have like the same type of like


how to say we both, hate scary movies cause we are both quite scared of them and also another thing that I have in common with my best friend is that, honestly we both we both love spontaneous things so a hangout with us can start at our own homes and we end up I don't know somewhere in the west or like we just end up somewhere interesting and we always have a lot of fun so I think that's one of my things that I have in my best friends that I'm really happy about


what about you what about you and your friends or your partner how's life


so one of my parents eh I agree with you lah family is really important and honestly other than my friends my family, is the one that are really the ones that, I always spend time with I mean especially during the circuit breaker period is like you see them everywhere every moment of your life so ya I realised that even through hard times right the only people that will be there for you are your family and my parents well


they are also like my best friends okay they are we also do our dinner dates every weekend which !wow! such a surprise right and also we, I feel like my parents I cannot like, I, personally I cannot like so if I want to like try and sneak around also in the end I'll just tell my parents everything cause I feel like I can't achieve anything from lying to them also in the end it's just gonna hurt everybody in the process so I


I run by this thought of like not lying in my life because I just don't think it's good that's why even during surprises and all I'm, usually just get told, of the surprise last or just, pushed away so that I won't go and bladder out about the surprise but ya I think my parents also like have this whole


it's a very happy vibe at home and everybody is positive at home we don't want any negativity here so I think that's what my parents also try to do they always try to be happy and they try to be happy with us as well but you know what life is also very stressful and all so what is your favourite


activity to do to unwind and relax get back your zen know what do you usually do, ah really oh yes yes


my park seo joon<, oh yes


yes oh my god, ah understand !wow!


for me I for me it's not really the korean dramas but korean variety shows like running man two days one night I tell you all their they are so creative you know in all their shows are really funny and the people that are involved are usually very handsome as well so it's like


a treat for everything so yeah but usually when I want to unwind I either ya watch the variety shows or I'm just scrooling through my phone cause I my phone is my baby so usually I will either go on Twitter or Instagram maybe not Instagram but Twitter Twitter I have a lot of online friends and because I'm a fan of like BTS and like


I'm the army and all that right so usually I like to like converse with these people all the other fans and also like really, when you are in a community of people that understand you and relate with right it's really so much easier to to strike a conversation is very nice everybody there likes you as well so


I honestly I'm very happy whenever I spend time there online so that's my happy place to escape or I just like to listen to music and like full blast, like really just on the music full blast and fall asleep, that's the, best thing to unwind for me honestly it always works


for me so ya that's what I like to do and well I mean now you are thinking talking about how we unwind right but what was the one thing that you felt most proud of, you know like you feel so proud


!whoa! really


really great I don't think I can beat that , I mean I I don't think I have save someone's life maybe maybe unconsciously I hope but I think the proudest moment in life for me was, (hmm)


I'm thinking personally I have done a lot I've done a lot of events a lot of competitions and, even winning those aren't really like, the greatest things for me I felt like the proudest moment for me was when there was this talk in school and I had to go up and talk I mean it's talk so I went up and talk my parents were there as well so at the end of the talk right it was like a thing where we show our appreciation and what we learn and then once I was done


at the end of the talk I actually had talked about my parents and at the end I actually went, I ran down the stage and went to hug them and then like the moment I hug them right then my father was like very happy also he hugged me back and everything and then like it was in front of my whole school and then I was like !wow! I just feel proud for being their daughter and they like love me back so I guess at that moment I was just really happy


I I don't, I was proud as well lah cause like everybody was like !aww! the background and it's just, a really nice wholesome moment I think that really made me proud I am really proud to be who I am as a person and to be their daughter as well so ya I'm really proud of that moment I think there's a lot of experience but I can't just choose one at the moment lah


okay yeah I agree as well (ppl)


insurance


hi I'm <P2>shakti</P2> here so I'm gonna talk about insurance today so do you have personal insurance


ya actually around the same also because my mum has been the one who's actually like taking care of all the insurance you know getting the endowment plan I guess we're on the same page actually, ya then


whenever we travel, like we always get insurance I think it's a must you know when we travel and all so recently I actually had I met two friends, they're actually financial consultants then they were telling lah like you know you know how important it is to know about insurance you know you really need to get everything you really need to get everything down and straight


you really need to know what what plan you are taking what policy you are taking cause it's it is very important for you and for your future you need to know how much you can actually save out of it, like you know even through these insurance there is also like investment plan where you actually can save save up a lot like you put in a certain amount but actually at the end of the day like when you need to take it out you take out more from it


so it was very interesting and it really like like since I'm twenty six now I'm like we're getting older like going to get married and everything I think all this is very important for us to actually know know what we are having what plans we are having what policy we are having how much we are saving what can be done


you know that kind of thing what about you what what's your plan for your insurance actually after this


, very important very true


yeah exactly the same the health insurance cause when I actually checked with my two friends I was telling you about right they're financial consultant so they were saying that you know even though you have a health insurance plan you need to know that that you know you have pre conditions already so will this actually help you or not because certain uh


insurance actually don't cover for all those kind of uh preexisting conditions you actually have so there are few policies which actually can help to actually also like if you already have a pre ah ah, consisting a condition and stuff like that it actually can help also


you know so it'll it health insurance is definitely a must, okay so health insurance is definitely a must and life insurance definitely cause like what you said during this pandemic we don't know what can happen so it's always good to actually backup with ourself


money and everything I mean during from these COVID we know already that we really don't have money with us and everything we are really like you know we really need to have a backup plan for ourself like losing jobs and everything so the investment plan and everything is very important for us today


so otherwise like uh CPF insurance coverage what do you think about CPF do you think CPF is actually enough


so you feel that you want to take more other policies from other companies


is it, ya I think I will prefer ya I think I would prefer that to focus on one, like for me I really think like just focus on one so that you don't get messed up or you know you don't you don't get confused with having a lot of policies you know that kind of thing that's what I feel that


staying in one uh with one insurance is better I mean otherwise like from like you say like getting more is better ya but we also have to see how much of our salary is getting like you know how much you are putting in for the insurance and stuff like that how much do we actually profit out of it also


that is like coming back to CPF insurance right, it's definitely not enough like my grandmother recently she ran out of her medisave already totally ran out of it like you know so you you get to understand and realise that eh actually we thought is enough but it's actually not enough so it's like we CPF comes in like how because of work


from work they deduct our money unless we really put in our own expense we go you know we go there and then we put in deposit our money and stuff like that but I don't think people do that these days more like you know they just let it let okay lah let it automatic deduct from the salary lah you know the kind of thing


you know so in that in that case like so if a person doesn't have job like during this pandemic there's no job there's no income there is no CPF, so end of the day there won't be a medisave for you you know even though government tries to help we actually we are actually doing most of it we are putting most our most of our own self in it like you know so it's always good that you have a job


with CPF, so ya so, what about what else do you think about insurance actually


ya that's very good we have to add the insurance actually I think that's very good like yeah whenever I travel like I will take flight right so automatically in our flight webpage they will have like uh do you want to take the insurance so definitely I'll buy I'll just automatically buy it, you know to be safe than sorry yeah another thing is that you know when we are buying the insurance and stuff like that we also really need to realise who we're actually buying from cause sometimes


the person who's selling it to us they are more focus based on what they want to sell us rather than, enlighting us on what is the topic about what what are we doing and stuff so like I told you when I met my two financial consultants they will like they they actually told me so much of things which it which made me like really like give me a eye opener like oh my god this is really important before this I went there I'll go with my mum


just sign the paper ah signed already lah finish already lah that's it lah, okay you got a saving plan insurance ya like that like just like that only but after that when I met my two friends they were like, no do you know that this what will happen if this happen you know how important this is for your future you really need to get it done you know she explained to me holistically and I was like oh my god what have I been doing all this while without knowing any of these


so so she actually give me like a really uh, eye opener on how important insurance is for us actually you know and that's when I was like you know now wherever I go whoever I talk to my friends who are just getting married and everything like eh you got insurance already or not you know really to take the insurance you know it's very important you know


you know you can save a lot of money you know not you know we can put like a investment plan and everything you know there's so much of things to do, that kind of thing so in in the end, uh it was good lah that I actually met these two people cause they really give me the insights of what insurance is really about


so even for you I really think you should really start focusing like see what are the insurance you have what are the plans you have and how much you actually have saved so far and what what are the things that you can actually do cause for what I know like one of the like investment plans and down like endowment plans and stuff like that when you put money they will give certain years


to actually you like you cannot you cannot touch the money at all like you kay you put in a savings plan for three, like three uh for three years you cannot touch the money and stuff like that but from my financial consultants that I heard from the friends of mine they were like no as long you put already you start putting within six months if you want to take out you can just take out your money and she said you know you know how much you could have like even within these six months you already save a few thousand already like


that's so much of money actually and it is also very good so I'm actually considering on whether I should go along with them and see where maybe get a plan from them get a policy from them so I've yet to have a meeting with them about this, but soon definitely I'll try to get


something what about you what do you think you gonna do after listening to me,


yeah tell me about it they are trying their best to actually help us ah but I think the approach is actually totally wrong like because it it gives us like a stereotype like we think like !aiya! they come already lah now they want to ask us for


insurance ah they want to eat our money lah what else like you know the kind of thing rather than you know when you meet genuine people just coming up to you and talking about it like you know with through friends you know getting to know you know this is really important for you or not you know when they tell you like that it it it it's really very important like when you realise it


oh my god ya how come why did we like have this stereotype mind that you know !aiya! this insurance agent they just gonna keep talking end of the day they just want to sell, but true enough they actually wanting to help us so I guess, the way they approach maybe it should be different lah maybe they should find other alternative other ways to actually approach us you know so that we don't have the mindset that !aiya! they just wanna sell policy like you know through this kind of people we know that like my friends right we know how important it is like


you know because like our age now like I mean you are teens like teen young adult right so you are like stepping into it stepping into like your future plans and everything so it's like you know, for youngsters to really sit down and talk about all these is really like a big thing actually like you know but I feel that nowadays this generation like they are actually quite matured and they really want to know more


but they have to have the venue like the avenue where they need to like to open up and really have to have a good good people ah good people around us to talk about it


correct, (mmhmm)


ya, ya I guess so too because I think, uh when you just start talking about insurance they be like !aiya! maybe like try to I think they should tap on more on like you know the savings plan how much do we get when can we actually retrieve the money out that kind of things cause


kids will be like !aiya! three years what if anything happen to me within the three years where will I get the money I save so much later don't have what you know the kind of thing they have the kind of mindset like !oh! for what myself I just keep the money I put in my bank enough already, that kind of thing you know but for the fact that they know that okay I can withdraw this money anytime you know for emergency I can take it out that kind of stuff you know they like what attracts them first


so I think it's all into how our actually our agents or you know like maybe do you want to do like you know do it yourself for your insurance planning or do you prefer to get a agent


ya correct, ya maybe ya maybe I should introduce you to my friend lah actually cause I did you know when at first when they say financial consultant I was like oh my god financial consultant what money ah what what they gonna


do ah eat our money is it that kind of thing I was like what what what is it what is even financial consultants I don't even understand, but after when they told me they are actually like those people who really open up everything and see everything from head to toe what are the policies you have what have you saved so far what do you need what you don't need and stuff like that I was like !whoa! they are really like so good so financial consultants are actually not really people


who actually eat your money but actually they are saving your life, rather than you know insurance agents and you know like bank like bank people they will they will also telling that you know bank people also cannot be trusted, very easily they're more focus on their targets and their you know they want to you know just get their target hit okay today we get this person today we get this amount kay sign already !yay! we got our profit already but holistically like for the person they don't really understand what it is


you know you get what I mean so ya so insurance end of the day is really very important, so we really need to save up a lot and we really need to find the right insurance, to actually go through I think every insurance uh I think every ya correct every like every company have their own pros and cons I guess


so I don't know what, I really like don't know how to actually choose one company, and go in cause I like have to see the reviews and everything I think every company has a bad and a good ah it's just and I think it's also more on our luck on which one we really choose


ya cause we never know what can happen


interesting


ya I guess so too but another insurance I actually look into a company is call Manulife, Manulife they are quite good actually I'm not promoting them because my friends are actually from there they are the one who actually gave me the insights about all these so I I have yet to actually go in depth with them and you know what they actually have to offer


but I'm looking forward to it to see what they actually can offer me and you know I can start saving on start doing my insurance right and get get everything done right cause I they're able to open up everything for me and you know like really break down the process and really in depth like go through really in depth and teach me how to


really go through everything for me like step by step make me understand what is the importance and how much I'm going to have end of the day like you know our future like, like the friend of mine I told you right she's always thinking about the future like you know so okay now you have a spouse okay but what if end of the day your spouse uh loses the job


end up it is from your savings that is going to help him also if he doesn't have a savings plan or if his savings plan is not enough for whatever future like for okay let's imagine you already seventy years old, seventy years old later you don't know when you will die definitely not you you don't know when you die so you trying to tell me after seventy also you won't get sick


like you know she was very open she was like so this that like you know we have a savings plan till seventy years old I know seventy years old I'll be okay I'll be okay who who knows what if anything happens what you suddenly get stroke you never know stroke comes now like very young already people are getting stroke and everything so how sure are you that you know you'll be so well until seventy years old


okay then you also have a uncle your I mean you also have a spouse your husband how do you know that your husband will be having the job, till like seventy years old and stuff like that you know since now situation is so tight you know so it's like when you make the plans is holisticly for everybody


yup think of the future correct


negative experience


ya, I think ya actually I watch a few movies like that that really actually made me cry so much I will literally sob like especially about passing and health issues and stuff like that so there's that I love to watch actually love movies


but the kinds of love movies I actually watched recently were the part where they have health, issues whereby they are unable to like there was this uh there is I I actually was more like I got a insight of there are actually health issues such like that like there was this uh girl who actually had this like a immune disease whereby she actually cannot


touch like she cannot get out of the house like it must be super clean, like the everything must be super clean like ah not not even her family can actually touch her, so nobody can actually touch her so she's actually living on her self but then so her house is like you know very very nice


like I'm like know they can see that her like the way they did the settings like for her house is like really she don't feel like very lonely like is a very open concept so it's transparent so a neighbor actually moves in and it's actually a young guy, and then the guy starts to see her and then he gets attracted to her and actually eventually they fall in love


and it's just like how do you fall in love is within the glass door, so the boundaries are there and you know and they come to a point where they become too emotional where they really wanna touch each other when they really wanna see each other and you know they try to do things they really try


and you know there will be a moment where you know he cause once she stepped out she have to be like she has to have a lot of things on herself like a medication and everything, but she cannot touch anybody so they will have a pole, they have a stick to hold like you know to like like literally is that they are touching each other but they're not but it's only in that stick


but there will be a point where they will actually lose themself, and they will actually like touch each other and everything and immediately she fall sick, and she ends up really very sick and she ends up dying, so it is really very very sad but but end of the day like how to say she I mean this is what she wanted if not all her life


she's gonna be like that and she's gonna be misery so what he did was he tried to really be there for her like do whatever he can to make her happy but the fact that dying is really very sad already you know


ya and also the fact that knowing that the person's gonna die one day that fact that reality is really like how to say is like, it's already too much like too depressing like you know you really feel like I mean you love the person so much you want to live with the person till the end


you don't want to you don't want to like you don't want the person to die you rather die with that person that kind of thing you know so is like ya it was so emotional that I was sobbing I I I think I had to like it took for me two days to actually get over it from that movie actually yup


so, like is there any like traumatic incident you've ever experienced in your life


oh dear


oh my god


ya !wah! that's really very actually very sad to hear but I think this is life, like from my perspective of friends are very like I I I really think that friends actually come and go in life I don't really have them like


like I don't really believe in the fact that they will always be there for you till the very end that's my own perspective like so what I I'm actually very close knitted to my family, so I'm more like like you know my family is my family are my friends I trust them more rather than trusting people from outside that I do trust them but I don't give my soul to them like you know I don't get emotionally attached with them because I know the end of the day such problems will definitely arise


definitely there will be somewhere someone will make a problem and you know things will like had and it will become a drama in that kind of thing so because I just I just want to avoid all these, you know so I always stay with my family go out with my family but a traumatic experience for me in my life would be


when I was a nurse ya uh I won't say it's traumatizing more of a sadness is a person that I lost like how to say my patient actually so it'll it'll she was actually she came in with a skin disease


where is called the steven johnson's disease whereby the skin right will just peel off, from the body the every part of the body from her private area to all kinds of and she was very big size


so I was working in a medical ward so it uh it's actually very hectic and I was the only one who would actually uh communicate with her, because we were the same uh uh ethnic group so I I could be the only one who actually can communicate with her the because uh I was like the only uh indian nurse at that point of time


at that ward so I could be the only one who actually can like you know to have to translate from my superiors and everything so I had to be there for her to take care of her so what happened was her daughter everybody became very attached, like uh they became close to me to know get updates and everything so everyday we had to really put extra effort extra care for her for her skin to really heal and she was in the hospital for nearly three months so


and within these three month she cleared like I as in the she totally recovered and she's also partially blind and so whenever she's in pain she will curse me she will scold me she will curse me she she will she will always curse me but after that when she is


like when she's relieving from the pain she'd be like I'm so sorry, I don't mean to curse you I mean the pain but I really, I really think you as my granddaughter thank you for being here for me you know so I I don't take this negative comments as negative but I try to like okay it's my own grandmother like you know every patient that I actually go and when I'm when I was a nurse every patient I see them as my own family member and I actually help them because I feel that


uh I I don't like I feel that uh, they are old because the medical ward most of them are actually very old and I feel that they really lack of love so I will always be there I always talk to them I will be like uncle Sayang ah auntie Sayang ah they'll be they'll they'll instantly they will just smile to be happy the next moment they will cry because they feel so they feel they they you know they don't have this love


you know so this particular auntie I actually helped her through all throughout the three months she was totally fine so I still remember it was a friday the monday she was uh due for discharge she can actually go back home finally, you know so the daughters all were happy and everything so that day I was not assigned in that room I was assigned in another room


so what happened was I saw the call bell, so I saw her call bell I went into the room and then I say auntie you press the call bell then I see actually the call bell was not press, then she was like oh you come already she talked to me in tamil she was like oh you come already is it then she was like you know thank you for everything thank you for helping me you know you were really there for me you know that kind of thing then after I was like !huh!


then I say it's okay aunty now I'm at uh another I'm at another another area I will go and do everything up and I will come and see you then she was like thank you for giving me water, but I didn't give her any water actually so I went to go and shower my patient and when I was coming out with my patient from the toilet I saw the the you know the call alert right it was code blue and it was her room code blue means the emergency where they have to


they have to run in and do the CPR and everything and when it was and and I was shocked when I saw that I was like oh no it I mean when when it's a code code blue it's never a good sign cause it's either the person makes it or the person does not make it


so it was really like I became I I I actually still remember that feeling I was like l I started to shake actually I go and put my patient back the other patient that I showered, I pull her back and what happened was the children were there and the children came out from the room crying and they looked at me they cried even more


and that was the moment I know she is, no longer alive and that moment I will never forget like because I think she was someone who was really attached to me I mean every every patient it will become automatically attached to me but for the fact that she was there for three months and she was so attached to be like she scold me she will


she will you know praise me and everything we had a bond we had a special rapport we had a special bond, and when suddenly everything is over like you know, you know they have we have this thing like nurses we are not supposed to cry, we're not supposed to cry especially in front of our patients' family patient we're not supposed to cry we're not supposed to show that we are emotionally attached to them we are supposed to be professional so at the moment it was really very hard I I had to go into the treatment room like really wash up my face be very strong and put up a strong front I ended up


being the one actually uh clearing up everything for her changing her, I I had to do the last rites for her as the nurse, I went in and the worst part was the fact where the pair the when the children actually come and hold me and start crying to me saying can you wake you see like you know can you wake her up she why is she not calling your name you see she always scold you you see now she's not talking aunty that was the worst you know I had to really


control and you know put a brave front in front of them you know I I and I put on at that moment you know it's like till today I don't know how to actually comfort, someone when they're having a when they're going through a loss, like you you don't know what is the right thing to say we we will never have the right thing to tell them


you know cause anything you say at that moment will definitely be wrong and all I could do was just be quiet and the point where I really broke, like the that that breaking point I had was when I was actually like wiping her right cause we always have to do the rites for her even though the person has passed on we have to change their clothes and everything and then later on we will pack them like literally cover them you know and then they the other person will condemnatory people will come and take them and go


so at that point of time when I was doing that for her like wiping and we will still talk to the we'll still talk to the patient we will still talk to the patient as if the patient is alive, we'll be like auntie I'm I'm I'm I'm cleaning you now auntie I'm wiping you now and stuff like that at that moment it really break me down like it really like I really broke down for the fact that she wasn't communicating because


every time I leave her hand up she will be scolding me she'll be like she'll be like you know you know it's painful you know she's like you know scolding or talking and this time when I'm wiping her when I'm holding her hand she's she don't even say anything, like you know it looks like she's sleeping but


the fact that you really know like back of your mind she is no longer there was really very, like like very emotional for me ah you really like you know show us that life is very short, the fact that she actually could have gone back home on monday you know she told me that you know cause she stays where my grandmother actually stays and then she told me ah ya the same is around the same area and then she said that you know you come over and I'll cook for you and she she like you know she said like the my grandmother always cook this favorite #bee hoon# for me and she and she also said I'll cook for you this #bee hoon#


like so random it was so random and it was like the same #bee hoon# the same kind of #bee hoon# that I like and she was like you know you come and visit me okay I'll cook for you this #bee hoon# and stuff like that and it was the monday that she's suppose to out and it was friday and and you know like things happen within a second like I just she had to thank me for giving her water and everything but I didn't even give her


like cause indians right we have this customary they will say that the last drink, like when the person is about to pass on we will give them a cup of water or a sip to drink and they will close their eyes and they will rest in peace, you know that kind of thing there is these uh there is this you know my like there's this tradition kind of thingy ya so when I when I think about it right then I was like oh my god she actually pre-empt me she actually told me that she's actually going to go off for the fact that she said know thank you for giving me the water which I did not even and I guess


that was something deep from her for the fact to tell us that you know she is going to go off and she's thankful for whatever I've done so far for her like in her way of saying, so this is how deep it was for me lah like you know like I think life is precious what about you <P2>intah</P2> what do you think


yup so ya just have to enjoy


positive experience,


ya like what you said small things ya very small things like seeing my mum's smile, seeing my dad's smile that makes me smile ya so like you know when we go down and then you see a stranger you smile at the person also it also makes me smile so ya this little things you know helping one another


and everything like seeing people smiling to each other like when I see other people smiling to each other also make me smile so it's like you know it's it's all positive vibes lah everything everything is like positive vibes, so what is the best movie you have watched I have one actually never mind you tell me yours first


yeah


oh !wow! okay


mine was actually quite recent I think it was two years back or was it last year I can't remember this movie called the wonder so it's actually about this boy, he it I mean the cover page of this uh the movie right is actually he's wearing a astronaut helmet but that's reason cause he's actually covering his face his face is actually quite disfigured from I think he did around twenty to I mean thirty to fifty surgeries when he was actually born


so he had to go through because he was a premature baby and he had a lot of complication so he had to go through a lot of surgeries and he was in the hospital nearly for two years if I'm not wrong, so because of that his face is actually quite disfigured because of all the operation so it's about this movie is actually about how he overcomes his fear to show himself truly


to the outside world he's actually going to he is stepping out he was he was actually home school all the way, so it was going I think he's going into primary school now so he uh I think primary I think like primary four or primary five I cannot really remember, so they are like the parents decided okay it's time for him to actually go for school like for him to go to a public school for him to really step in to uh socialise with people to get to know


people to know people stuff like that so uh, uh what actually really happened was uh he was wearing the astronaut helmet throughout the class and then he will meet a friend in the class and then the girl be like why you're wearing the helmet and then he will take it off


so one day he will overcome the fear he will overcome his uh you know his fear and you know and he will become very confident and he will start walking in confidently but this thing this movie does not only showcase about the boy actually that was one thing that I really like about this movie because


it also showcase the family of this boy what they're actually going through so is what is the father going through because of having this boy what is the mother going through and he has a elder sister what is the sister going through so it's like a typical life movie of how


like our our life like how how we are going through how everybody interpersonally having their own issues but also at the same time facing their family issues how do they overcome it how do they cope it so initially the elder sister would be so confident like upfront and everything end up she's actually going through depression


you know so they show like sights of whatever the what each person is actually going through and that really actually touched my heart a lot and I thought it was really a good movie and for a lot of people to actually watch the movie to really understand what life is and actually everybody is actually going through something in life


everyone has something that is going on in life and you know we should be very sensitive to what we actually talk to other people about sensitive as in you know like what do we say like when we pass comments when we say something we know we should actually always have that that what you call that that that


thinking ability like you know make sure you don't hurt the other person, make sure what you could say is appropriate, even though we're friends and all you know !aiya! it's okay lah ya so what are you scared for what you know we can say that but interpersonally they have this phobia it can be something which really like we don't know what they really went through it could be very young that they go through such a trauma but for us is like !aiya! it's not even a trauma what why you care


but for them is very deep so was a very good movie for me what about you about your life experience and all, (ppc)


yeah my best friend ya so my best friend and I we really click very well cause we're always on the same page we always talk about the same thing we always think alike


we always so like she's into now she's in the next step of her life where she's going to get married, and all ya but then things are not falling in place for her so she's actually like she's she's already illegally she's already legally married


but then for the traditional marriage which was supposed to happen this year due to COVID and everything so things don't seem to, like happen anymore and so we're always there for each other like whenever I'm down she's there for me and whenever I'm there whenever she is down I'm always there for her so we always pick up each other and we always have this


like emotional we are very emotional and we also very crazy together like we just click like even when we because we studied together so in class when the teacher is like when the teacher is going through like his lessons we'll be laughing, for no rhyme or reason we'll just laugh we'll just look at each other and laugh


so we just instantly just connect we it's like you know we talk to each other by the mind and we are just laughing, so it'd be like you know then the teacher will be like <P2>priyas</P2> please keep quiet but then we will still laugh


so we we are we are so close we're like we're like, sisters from another mother that kind of thing ya so we're that, close actually so almost like if we start talking on the phone we can talk at least for three to four hours we just keep talking, ya we just keep talking and just talk uh and then we also talk about what we know we also we are also very grateful for each other and also for the things we have I mean like having another person in our life like having a partner like cause now we are at the age like I and her we are the age of moving on


like stepping into the future like having a partner and all but we realise that it's not like I think life is not everything about having a partner what I think is more other things like there are more to it actually like how to say like, like we we tend to be more grateful like as we experience so much in life we tend to be more grateful for our family like we are so thankful for the family we have so grateful for our parents like my family like my parents they are very open we are like best friends


so I don't have much friends like she's the only best friend I have actually and my other friends are like my parents I tell them everything, like that I don't hide anything from them, I tell them exactly everything, I share with them everything so they are very so I'm very thankful I'm very grateful and I think I'm very lucky to have parents like that at this


era because nowadays parents are actually quite typical their mindset they they don't tend to be open, they just come back home eat already ah okay you study already or not you okay already or not my parents are not like that we go in depth we will have our like every weekends we have our own uh dinner date like we all go for dinner and stuff like that ya what about you


like


my favourite activity I think watching Netflix oh watching korean drama so my god tell me about it


I tell you can go crazy ah I tell you so cute ah the Oppa and everything ya so I think, ya I know right so I think I can just go like I just stay in my room lock my door and watch the Netflix until I watch like I mean watch the k drama and everything all the way till the and like you know the best part of uh the k dramas right like I will go and see I'll choose I'll I'll specifically choose


like those dramas that is already completed so that you know I don't have to wait for the climax for the next, so it's like every like and some more !wah! I really love korean dramas for the fact that every one episode right is got climax one every episode got climax one !wah! I tell you the heart ah !whoa! I tell you I cannot take it one it's just too emotional will make me cry but you know I can really go


watching it without sleeping at all like I will just like okay what's next I need to see what's next what's next what's next !wah! I tell you that's my like unwind zen that's totally my zen if I'm upset or whatever watch it if I'm happy watch it if I'm sad if I'm angry watch it I'm okay already what about you


, oh


nice (mmhmm)


most proud of I think till today I'll never forget this one incident that I actually help uncle I help this uncle old uncle right I think I saved him like literally save him from dying, ya, ya literally because what happened was I because I used to be a nurse so I actually know this uncle and this son this son is actually mentally disabled and he's handicap he's on a wheelchair so he's I didn't realise actually I didn't know they actually staying nearby me so one day I actually saw them like around like


six to around seven metres away from me I guess, like quite seven meters away I'm like I'm like actually at the basketball court and they're actually at the opposite road, so is uh is either a stairs or there is a steep I don't know why there is a very steep slope beside the slope they have the uh passageway for the uh wheelchair so I guess the uncle was too stress or something that he did not realize there is a passageway for the wheelchair what he did was he came all the way to the stairs there


and then I told you about this steep slope right he actually wanted to bring the son like from backwards like he's like holding the wheelchair from the backwards he he wants to you know pull the son downwards but the the the thing was too steep definitely


and he really went down from I'm like, literally shouting uncle don't uncle don't you know but he couldn't hear me so I had to run I literally ran to him and hold him from the back literally I tell you the son, is also the son is actually also very big size so he just imagine the wheelchair and everything and the next thing if he had fall if I didn't hold him right he would have fall back both of them would have landed on the road


it was actually a road a small road both of them would have landed on the road so badly and it would have been backwards and uncle have gotten head injury I really put, all my effort all my force in stop him stop the wheelchair literally bring them down slowly from backwards, you know and then the slipper all fly the slipper all because he couldn't hold grip of the son cause he's also old himself


so you know then after that I was like you know uncle kay slowly slowly slowly like really put in all my force and honestly there wasn't anybody around me I was so shocked it was really like open surrounded me was so many blocks but there wasn't anybody at that kind of at that moment you know so I think thankfully like to myself I was there that moment to actually really


save him so you know when I brought him down and everything and I showed him uncle that you know there is another passage way for you to go for the wheelchair he was like oh my god ya how come I didn't see, I think they're too stressed out in life and I you know until cause having a son, who's actually he's he's quite old he's around thirty he's in his early thirties actually so mentally disabled handicapped and the uncle himself is around sixties


it's not easy so I'm sure he has a lot so at that point of time I think he was really very lucky that I came in there to really save him to me I know nobody saw it I don't know whether people got see it or not it's not proud but to me I know that, I actually saved his life so that was like really the proud moment of myself like you know !whoa! I really did something and I save both both their life ya what about you what's your proudest moment


okay,


oh okay


ya I, ya I think it's more about the values they actually have taught us and we bring it out and when we show it to them like when we show it all around it also makes them feel proud and it also make us feel proud because we know that we have been on the right track and we have been uh rightfully have been like you know following their footstep you know


not to disappoint them in any way I mean younger days ya I would have done a lot of shit and you know a lot of uh you know, make mistakes and be naughty and all but when once we come to the age when when it's time I think it's time for us to actually give back to them what they have actually taught us and make them these little things will really mean a lot to them it will


yup it will definitely go a long way and and these are these are moments where they will, never forget they'll be like !wah! you know my daughter did this or not !wah! you know my daughter say this or not they'll be so proud you know they will go and share with their friends you know their will boast with their, friends but I think this is their moment like for like I think this is their proud moment actually like for what they have done like since young like like you know nurturing us you know growing us up and everything so this is their moment for them when we when we give this back to them


what, part one finance


so far how do you plan your personal finances, (uh huh) (uh huh)


then from your income do you save like set aside to save money or do you spend everything monthly from your income


(uh huh)


allowances so from the allowances I would set aside some for savings and some for spending, I used to do savings like at the end of the month you know so you spend and then you just use whatever amount you have


and then at the end of the month then you put that into your saving but then I feel like uh savings quite important also, so now I would do like savings in the beginning of the month like set aside aside some amount i guess yeah like I will set aside some amount of money to put into to my savings account then the rest I can work it out and spend now


what which one do you do like do you save before like the beginning or like at the end, is savings is it must be in the beginning right


oh err


then again for these savings right what do you think these saving like when can you spend this saving, you get what I mean or like is it just a savings where you just save or like this savings is safe for you to spend on something


get what I mean like, , really so oh so you wouldn't touch on these savings in a way like it's really just for like your future lah so you won't touch


is it oh


ah okay make sense, okay so honestly I don't use to have savings but then I started having savings cause like there are like those, big expenditures where require me to save like kind of like every month you know so that's why I started on savings if not I wouldn't really think of savings for the future


get it it's a ya, which is bad I think honestly, okay, no every month I would save some money so that this money I will accumulate and total up for a big expenditure you know like one as in just an example like if we go and take uh


yeah like diving licence or something then probably you will spend a lot what yeah so or or like if I plan I want to go like holiday you know like with my friends then like obviously I have to save some money so it's like it's not the kind I can cause I don't have a source of income so I wouldn't be able to suddenly have a large amount of money to use


so I will save like monthly lah to to get that expenditure amount, uh okay


oh, oh so saving, driving license, uh


uh, oh


okay, uh then if like if you have to give one financial advice that you will give to the you five years ago, what would it be


your, !wah! that's true


(uh huh) yeah true


but you're five your you five years ago includes like your NS period right then NS you probably have really like,


!huh! serious ah !wah!, okay


!wah! true, uh


oh oh


uh,


, (uh huh)


, yeah


oh as in I work part time so I earn some income I guess but that one also like I earn extra income just so that I could go like go travel so I would use that extra income for my travel lah


yeah but I will say if I have to give an advice to my youth five years ago I would say is to uh keep track of my finances eh keep track my cash flow I guess like, if I get money then how much I set aside for savings then like uh how much like I would spend on the different segments


you know like how much would you allocate to give for food then how much can you like spend on shopping cause I think like uh I over estimate my budget in a way, like I would just uh spend and shop on clothes which are really like not needed and unnecessary


so if I were to like set by budget earlier then maybe I wouldn't have thought that I got the money to spend you know so I would like not spend just for the sake of, just cause I like it and spending lah you know yeah


so I would say getting your, making sure you know where's your, like budget on your finances that kind of stuff like yeah like set aside for transportation also yeah so that you won't spend too much of


on one segment or, and then there'd be like lesser on the other segment, like that, yup


I think, as a parent probably have more experience in a way like they


they I would say they probably have more experience so they can give advices but at the same time I think, not err everyone is like good in financial planning, so I would say they can give advices if they think okay kay they can give advices then like the kids the children can take the advice but doesn't mean they have to take the advices you know because yeah like what I said uh they are more experienced but doesn't mean they are good in


financial planning so like, yeah but I I believe not I believe lah but I think my parents are good in financial planning and stuff, cause like they are very like stable in financial stability, yeah so I would say if they give me advices I would


take that advice, yeah what about you will you take advices from your parents, financial advices


(mmhmm)


(mmhmm), (mmhmm)


yeah yeah yeah (uh huh)


(mmhmm) (mmhmm)


finance yeah yeah true, then now if you know like you understand would you like do the same like uh everyday save up one dollar not literally everyday save up one dollar but like


now that you understand the importance of saving do you, like, uh prioritise it will you, , like everyday or like just savings , ah uh okay yeah yeah yeah yes yes


actually my parents gave quite okay like they not only they give like advices on savings but they also gave like uh investment advices in a way like uh I don't know but it was like a whole different, confusion as in they talk about investment in terms of like can be the stocks and stuff you know like especially during the COVID and then there are stocks that are


that like went all the way down then they will saying like if you want, to invest like in the future you should quickly buy the stocks, cause like the economy in the in few years time also will like increase back so like if you invest you probably like


yeah lah like you buy the stocks at a lower price then you can sell it at higher price, yeah that kind of stuff but, yeah I'm not even financially stable by myself financially independent so why bother investing right


(uh huh)


uh, [orh], yeah yeah yeah, yes


yeah, yeah