so I I mean I didn't want to want it to happen again so then in the end when my my uh the other another grandmother passed away right I make sure you know that I always go and visit her just in case right but, roughly when when the elderly are


going to pass right pass away , they kind of know it you know, yeah, I think I don't know they will there're signs ah like like my grandfather, he he knew he he was his life was he was going


so he of course, I think uh my mother my mother managed to get there on time, ya I I think it was my mother who's either my mother was there but she remembered that he he knew and, called for her , so she just rushed down lah but maybe or there's no time to call everybody


so yeah that's uh my saddest moment I mean it it it happened so long time ago right but somehow we can still remember you know that that call, then you go to the wake and then you see their their face in the coffin then you cannot express out


!hais!, please, ya and the missed the the I keep I think it's a missed opportunity, you know, so, so you know no matter what I still think that


!aiya! I cannot blame anybody lah for not contacting me earlier ah, so , !aiya! no regret lah it's just that I I know I I felt sad at that point in time lah and you know I think I was I also kick myself lah you know how come I I didn't go one week early or you know it's near christmas right I should have gone right


yeah, so, ya lah actually dogs and people are the same you know if dog can know uh know that they are going right they're sad right so do human beings


kay I think ah I if I'm going to continue I may break into tears , !huh!, so


ya, okay, okay


positive experience in your life okay, describe a moment when things turn out better than expected


!woo!, describe a moment when things turn out better than expected I think at our age ah after living through so much so many years then we say !hey! my husband, actually turned out better than the boyfriend I knew


agree , see at least they're hands on when we need them to do all these technical set up


, ya yes our technical support at the back , okay, ya err


not just emotional support you know , , so okay do you have any moments that it turned out better than expected


, , right


yeah


ah


ya ah ah !wah!


awesome , right, right pretty good


(hmm) very good, I have a similar one also, , there was one time when I was , I was scolded by a client err over the telephone


he was very upset because I didn't do I I miss out on some something for him then he called me he didn't he didn't ask his secretary to call me he called me himself, and then he bark at me at the over the phone and then after that


you know uh and then I panic because it wasn't really my fault but I I I didn't want to be defensive, so he said get her to come over to my office and then okay the office is only two blocks away okay and then I said oh okay sure I'll go


and I brought my file brought everything to tell him why you know it was overlooked the truth no, fault of anybody , so you know I took a lift down, all the way down all the way I I took my own sweet time


because I had to, I had to like kind of calm myself down right, and then I was anticipating you know !wah! he's going to bark at me again so I said okay lah no harm saying a few prayers right on the way to to his err to his office


so for five minutes, I I took like, more than five minutes I I easily ten minutes also to give him time to calm himself, so when I reached his office his secretary look at me he said do you know my boss was shouting at


the top of his voice and what did you do to him he so upset with you !wah! then I said I'm just at the door I I'm I'm just at the the door and then this kind of err feedback right , so I was I was quite scared actually so when I went in I went in I have never seen him before first time I see him and then when I stepped into his office he greeted me hello and then okay so and so and then he said since you walked all the way here I


I want to apologise to you that I, I I lost my temper, over the phone ya and then actually uh when when you wanted uh when you're about to come in on your way here while I was waiting for you I regretted shouting at you err because it wasn't very professional and uh of me ah and it's not something very important it was really quite trivial lah


so that took me err aback, so you know I don't know maybe god hear my prayer lah so that's why he, ya so I had a very nice time for the next twenty minutes having tea with him


and, then from then on I tell you every he call me he's always in his sweetest I mean always err very sweet he always say very sweet thing to me and then very very very gracious and very very appreciative


so sometime ya boy I think ah god must I mean I don't know god must have heard my prayer !huh!, scary but it turned out very good better than expected, so what is the nicest thing someone has ever told you


err, what is the nicest things someone has ever told you I think people tell me a lot of nice thing ah, it's whether I believe that they're speaking the truth or not , I


that means they are lying so it may not be that nice uh maybe the maybe, maybe is ya it is is err the truth hurts that's why they they rephrase it, I think, I don't know would you like people to be diplomatic and tell you a lie rather than err tell you the truth


what would you want to hear, oh okay, so what is uh what did what did people say to you the nicest things


anybody , I I the other day somebody said to me okay err you know you are a very patient person, cause I was teaching them something


you did you did not show irritation you did not you did not you did not mind repeating, actually I repeated like ten times you know and you always repeat in a very gentle voice you never you know like no hint of impatient in your voice


, I I consider that an achievement , because , ,


, so !wow!, okay I have got something that says we are uh we are detecting background noise from your microphone,


oh okay so we just leave it there, okay, oh okay it's just that it's blocking the words okay what is the oddest or most unique compliment you have ever received can you remember


kay what are you thankful for then


(mmhmm), I am very thankful, that I still have a job even though it's not well paid but I have a job that pays CPF


ya and, and and I'm thankful that you know, I have, a husband that can still stand me after all these years


, I hope so man I think the only people who are not thankful for me uh are maybe


maybe are my kids , can you read the rest of the question, happiest ah err


happiest moment in my life I think ah it must be my first pregnancy whereby I I gave, birth and then you know I said thank goodness it's over, it wasn't that bad after all


three hours, three hours but, not for the rest of the other kids only for the first one, , ya


the first the first one is supposed to be the longest but it didn't turn out that way ya, the no, the last was the worst, err less about err the last one was like seven hours or eight hours and then the nurse told me you know


!hey! you are experienced mother right how many times three times already ah how come you are still whining away ha you should get used to this already I say my my, my first three wasn't as bad as my last one, the nurse telling me that you know


ya it got so bad, so but then ya but I remembered err !wah! when you err when when the the baby was out I was I was actually quite it was, it was one of the happiest moment ah because you know then you know !wah! so this is call err giving birth


what about you


(hmm) yeah, ya, ah


oh !wow! very good


ya, a lot a lot of the people borrow money to go travel, and then you you end up yeah then you have debts


yeah, , yeah, even after working for one year


!wow! comfort food ah what's yours


ah, oh not the bitter chocolate ah, oh


oh, !wah!, okay my comfort food is not chocolate actually ah you know chocolate is actually quite bad for shinglesyou know yeah ya it triggers shingles


ya my comfort, food is actually err, you know err #gao lak# lah chestnut, err roasted chestnut, ya, yes those that you, those that you see at the hawker store right ya the the you know then they take the coffee bean and then they fry it ah that that is


ya, ya because it reminds me of the time when, err I go #pasar malam# with my father ah and then you know that that that kind of store right only #pasar malam# have, right even up yes, so you know to have at it it's not cheap right so it's like a treat lah


so it reminds me of err good times when you can just enjoy your your hot, I don't know it's it's very hot lah actually it's very heaty yeah but it's very aromatic, err


yeah it is, oh err, I now I I now now nowadays I you know I I don't really buy the roast one I will buy the raw one, and then I will boil it uh I I boil it


but it's quite it's very tedious so then I switched to roasting it in the oven so I buy the raw one right then you I make a I cut I use a knife to cut a crack you know and then I put the whole thing inside the oven, uh two hundred degree half an hour okay if you don't if you don't


uh do the crack, ya to release the pressure right when you open up the oven ah the whole thing will all shoot up into the into your roof you know, no it happened to another friend of mine ya, he roasted the the the chestnut right so when he took out from the oven luckily it didn't hit him you know cause it's hot so it's like a time bomb it's like a time bomb it just go like like like like firecrackers like that


ya but when ya when , when I do it right so I will cut a crack so like the chestnut will have a smiling face right smiling face right then you roast it at, and then after that you keep it hot and then I peel it, it's as good as the coffee one yeah


but that is, buy from err the korean chestnut will come up it's now not the season you know you've got to wait for october ah october is the season so when, yeah the korean ones are really good


the they're very big and fat the china one is very, small and thin so you know you want to you want to save effort right you buy the big and fat one, so that when you the amount of effort you take to peel off ah you get a very big chestnut, ya but it's not the season now ah is err october


ya, then if really really really really I crave for it right then I go and buy the packet one ah that one like sugar that, one ya lah and with a lot of sugar inside right, ya all from, no that one is all from china actually it's not sweet then they go and boil it with sugar so the whole chestnut is sweet


but you go and try, you go and try the roast one, very nice, err, maybe a hundred eighty ah for half an hour ah, for half an hour ah but the trick is ah you you go and wrap the whole thing inside a hot towel you know because once it's cold ah it's very hard to peel chestnut


so you try to but that's that means ah your hand must be able to tolerate the heat lah so it's slowed yeah it's go and pick, eh I tell you it's so much ah of course it's cheaper lah I think last time was five hundred gram of the korean one when it first come out it's eight dollars then the price dropped until five dollars you can try you can try uh giant


ya next time I tell you lah in october the that's err chestnut season, okay ya, but it's my comfort food what not your comfort food , shh oh


okay so I introduced you to one food try try the roasting one ah if you got the oven it's so so much more convenient, then err what else actually nothing much [orh] I I I'm not a chocolate person


I, I know the #tau suan#, the #tau suan# and, #tau suan# and all the all the teochew dessert ah


yeah the wedding err uh with the date uh, yeah I know, the pumpkin ah and the, oh okay


!wah! I'm getting hungry you know shucks and then we cannot go and eat it's tea break now, why, cannot eat chocolate now I got shingles, never start on comfort food !huh!, no chocolate triggers shingles and nuts yeah so I didn't


I no now I'm having it I can't I cannot eat chocolates, yes yeah that's why, okay ya okay finish, okay


financial related topic


hi hi <P2>joanna</P2> , okay end of sure , err for me because err I I am more like a risk averse


I will invest more in things like, fixed deposit, singapore bonds, and err blue chip stocks that give uh good dividend and hopefully err over a period of time also will give uh good capital returns


(mmhmm), (mmhmm) okay that's good and oh the


okay for me I think err I'll ask the person to save at least like say err probably thirty to forty percent of their take home pay, , and then they should actually let's say if you if they want to buy a a a house right then they do not have enough money they can actually start small buy a let's say for example a three-room flat first before they upgrade to maybe a five-room


flat and then, so but I say you must save and then start small lah, before you work with your way up (hmm) ya like I


was saying I was thinking like err like even when you buy say a a house right the reason why I say you start small like from a small smaller , property to a bigger property is such that you will have to save more money and then make sure you do not err pay


too much interest as you do not have to work for the bank, I, I've heard of friends who who actually you know like say the for example they buy a very uh expensive condo at keppel by the bay kind of stuff where you know the husband and wife will work and then every month what they do is like


every every cent that comes in before you really, uh really gets into the account in the minute it goes out to the bank so to me that's that's not very prudent lah,


ya that's why I think it's it's no point having a large lavish wedding you know when at the end of day err if if the marriage doesn't last, it's it's early early for the moment you know to to that sort of like, have a good time with your family and friends and then maybe for some people to sort of like show off a bit kind of thing I think it it it's not worth it lah spend much money I've I've heard of people having very err lavish weddings like on on a yacht or even fly overseas ah wedding and then you know they invite their friends and relatives over but


ya it it if it doesn't last it doesn't ya it's not worth it I find you should I think the money will be more well spent if let's say they spend err, the money on err maybe buying necessary things for the house like like err housing appliances and stuff like that


ya it it it doesn't make sense to spend so much money and and and rack up those interest income like I say I really don't really believe in working for the banks ,


no we are still in middle of it, uh (mmhmm)


ya I can't agree more with you and it's actually healthier also, (uh huh)


ya it's true , and , and also not forgetting that besides saving money we can also


err sort of like err with the family you know the bonding, the bonding with the family you get to like eat with each other you know previously it's everybody's working you know now a lot of people are working from home so you have no choice but to have you know dinner with one another and you save money one thing is that save money but it also helps you you know


err in in building of the bond with your family closer relationship with our family and then you also eat healthily ya so it's it's err this COVID thing is actually in in a way quite good lah, if you look at it positively, okay


err okay do you think one should own a credit card,


(mmhmm), ya ya because


I think because when you when a person owns a credit card right you spend with without you know err really feeling you don't feel anything because you just have to tap, you know last time we used to sign but now you just have to tap right it's so convenient it's it's like you don't know how much you are spending until like probably I've I've heard of friends who's tell me you know at the end of the month when the credit card bill comes right then to their horror of horrors


they realise that oh you mean what oh dear what did I do to myself I I , I actually bought so much and and actually when they go through the thing right , they realise that eh it's something that I do not need and I actually spending on all these things, like for example uh my friend who who likes shoes right she'll buy pairs


pairs of shoes without you know we only have one, pair of feet and probably even if you change your shoes everyday we go to work right five days a week you only need five pairs but she may have like maybe twenty pairs, so it's, ya it it it it sort of encourages one to be extravagant and and


err how to say spend money without realising the the damage you are doing to your to your pocket yeah, I think


ya we have no choice right , but I think it's good you know I it's likes , it forces us to save for people who can't save err I'm really thankful to the government, to you know who, comes out with this scheme ah to force us to save because I actually know of err friends right who don't save but because this is a compulsory form of savings right it's kind of good it helps them lock up the money for for retirement next time if not err they could be spending like


err every dollar they earn they could be spending like eighty cents they don't they really don't save so I think it's quite good, then what about you, ya (mmhmm)


it's very safe some more right , ya true I


ya but I think not many people feel like you now still , they are they are worried their money will be locked away and they cannot do anything about it , yes ya


ya I think it's very useful actually, ya it's a good way and then you get to keep the money some more


uh in the relatively safe instruments right, ya ya ya


but actually maybe, because they they they haven't read about it lah, if not it's actually it's actually very good, I know but I actually I know some, quite quite, some of my friends know know about it lah


so it's not so bad, err okay how how do you manage your cash flow how much of your income is allocated to savings expenses and insurance or investment


ya for me I would spend uh I I will allocate about thirty per cent to savings also and then thirty per cent, to expenses, then about probably twenty per cent for insurance and then twenty percent for investment


ya, ya especially now because err you know health cost is a very high right so it's always good to be insured against like err against illnesses especially critical illnesses


so I would really encourage one to to, I mean spend a bit more on an insurance lah especially health insurance because , err, err like they say you can't afford to fall sick in singapore, because our medical expenses are so high


like recently I just heard of someone some a friend her who's friend fell down and had to spend something like err medical fees about three thousand dollars uh for her I think, broken leg or something, ya I think so it's very expensive three thousand dollars


which is why I would expect I will advice one ah to start as early as possible when you are twenties you should actually start to buy uh an appropriate err insurance policy


especially all the health policy ya, uh, ya especially critical, ya ya it it it's really very important, I would think


oh how do you spend your money what which expenditure is justified and what have you been spending too much on, , because of COVID right cannot go out


okay


ya me too because I can't go out now right even I I I also also actually work from home, so I don't need to buy clothes no need to buy shoes no need to buy anything even no need to put lipstick I just even I go to work I I wear mask, ya no no ya


ya, , that's why ya, there's, that's why that's why I say this COVID thing is good in inverted commas uh because it allows me to spend we spend less money what what I spend now is because I don't spend much right so I spend on food ah I will go to supermarket and then I will buy err you know recently I saw like err NTUC has got err discount err uh scallops right I just buy the scallop


so what just just I I just splurge on food lah, no lah no need we just go go go and walk in a park because I don't think I want to go to gym it's enclosed it's dangerous


ya ya so poor thing so there's nothing really really much you are just ya that's why I think the supermarkets I heard they are very doing very very good business which is actually good for them right


uh in fact that's the the right business to go into now if anyone is thinking of err going into business at least for the next probably one or two years, ya ya ya I think we only left ten seconds at most


okay okay


negative experience in your life, okay describe a time , describe a time when you feel when you felt trapped or helpless


err I can think of something, okay there was this job ah, which I I I really hate doing you know, because it's so different from my previous jobs I had to look at nitty gritties into like chasing for debts and stuff like that even you know I was in the previously I was in a job whereby


I look at uh big big numbers you know like millions and millions of dollars then for this job I even have to go to (ppc) to someone in the canteen operator, who owed my uh which owed who owed my company err uh like rentals in arrears uh of about don't know how many months and it ends up to be about something like err


maybe one hundred dollars for a maybe a few hundred dollars ah so, err, I remember it was a very very petty sum and, ya I had to go in my boss told me I had to go and err, sort of chase chase this person for it lah because my my colleagues are gone and they they they couldn't get money get her to pay so I had no choice but to go so this is


it's like this kind of nitty gritty, stuff that I I have to do that I do not like but at that time I had no choice but to hang on to the job because my my husband was retrenched from his job, so ya I I was the the only one who was working so I everyday I had to like drag myself to work so I


yeah at that time I really feel very , very sad lah very trapped and helpless, I really hated what I was doing everyday I just drag myself to work then from eight thirty to to six o'clock I just clock my time do my my job and then I come back I I really didn't like what was doing ya that that was yeah


I I hated it , that's good okay true


she probably didn't realise ah, true true


!huh! okay describe the saddest scene, you ever uh saddest moment you ever saddest scene you ever witnessed, okay for me it was I was err, at hawker centre, in #boon keng# I saw this old man err obviously he has got very


he he has got uh issues moving around lah he was in a wheelchair and, and he I think one of his uh uh uh arms I think he couldn't use one of his hands I think probably it's his right hand he's I suspect he's he's a, predominate he uses his right hand predominantly so the left hand is the weaker one right but unfortunately right hand I suspect he could have had a stroke before so his right hand is like a bit immobile he can't move you know so he was using his left hand to to eat his lunch


okay I was sitting at the same table as him he had err breakfast Beehoon with an egg and err a a piece of luncheon meat with him and you know normally they'll snip it into two for you right luncheon meat and he was like struggling using his left hand to cut cut the luncheon meat into smaller pieces so that you know he can pick it up with a spoon


and at that moment I felt very very sad , it's like I really see him struggling and then I my heart really you know bleeds for him I I felt like feeding him but the thing is that he you know some old people they're they they can be quite fiercely independent right he he may not like it so I I offered to


cut the the the luncheon meat for him lah so I cut it into small small pieces for him , then , ya he was very very thankful that you know someone was someone cut it for him lah so I I remember very sad because that the that that scene that I saw now is still err on my mind sometimes because


I can imagine him you know struggling on a daily basis how is he going to eat the you know everyday you know every meal is he's struggling because he probably can't use cut, can't really use his right left hand very much right as in he he doesn't know how to use his left hand but he still has to eat you know so it's very sad lor


ya [orh] oh yes oh I can imagine yes oh !huh! after he's gone ah I think yes oh oh I can imagine very painful ya ya


receiving treatment or what, oh !huh! oh oh


so did he manage to get get financial help well I mean I mean as in, but if sometimes it's not enough right, okay yes (hmm)


where where where did you see him you say, oh oh that's good oh


!huh! oh, !huh! oh, oh wow really ya yeah may he rest in peace oh


does he have any siblings, oh ya ya


saddest moment that uh, when I had to, put my dog down, to sleep because , err my dog was err, my, pet dog was suffering from , from cancer, so we actually tried to get him treated lah then err after


first treatment he was okay but after that he had a relapse so we brought him to the vet again then the vet say , , he suggested that we we put him to sleep because, uh, it it he was the vet was telling us no point treating him it's like we are only prolonging his agony


so even if you treat him this round it will come back again until you know it really, the the, the thing takes he takes him away so he was suggesting that we do not prolong his suffering and you know bring him you know put him to sleep lah so ya that day we brought him to the


the one that mount pleasant ah the the vet there, my my my actually my dog actually knew what was happening you know it was so sad he he had tears in his eyes you know and he sort of like put his paw on our on our harm and to say goodbye, I was vey very sad


ya Rembi, ya I had him for fifteen years, he was like my brother to me we had him I I had him since he was I I think we were in, my err I think, JC one ya


ya very sad he ya he he actually knew you know <P2>joanna</P2> he knew you know he really knew he really knew , he knew he knew he said we before that we actually gave him his favourite food we cook him his favourite err food lah then we put him down for a for a stroll which he he actually enjoys so after the stroll we told him Rembi we're going to take you somewhere


and and we're going to say bye bye to you so we brought him there then he had when we reached there he actually had tears in his eyes a bit then before we went brought him into the vet ah , he really cry you know he he there were tears in his eyes he knew you know he really knew so sad


so I I think I I never want to have a pet again so sad even if the pet were to die naturally , I think I, I will still feel sad till this day every now and then I see photos of him in in in my mom's house right, I I I still feel very very sad


but you are scared of dog mah, , oh oh


oh they don't want to affect you, oh ya ya oh oh oh ya ya uh uh


oh definitely, ya oh


!huh! oh they know, oh (hmm) the it's the the


sense of loss of a loved one ah, (hmm) well


just keep them in your heart lor, ya okay


okay oh stop stop first ah okay


positive experiences, in your life, okay first topic, eh, describe a it's ok describe a moment when things turn


turn out better than expected oh this


ya ya , , uh at at least they make themselves useful right


, , ya ya ya that's why I always say say my husband is the, uh IT support at home, uh ya true


err yes what's the thing something came to me to my mind err on one of my jobs right sometime ago I was supposed to do a presentation present presentation to a group of people , then as you you know right I am actually a person with a very err a big stage fright


I I am actually very very scared of speaking to a in public so I was supposed to err make a presentation (ppc) to to a group of people about of about thirty people including senior management so senior management is about probably like maybe four of them and the rest of them are


people from other departments so it's like when my boss dumped this drop this bomb on me right I, almost died uh but because she had something to attend to like, kind of like a last minute he told me that I had to do it like probably err a few days about a week before the the thing itself so I was praying very very very very hard and


I really didn't know to do ah it's like oh god oh no I'm going to I don't know what I'm going to do so the day before the presentation I actually went to to do a rehearsal with my boss right, and by boss actually complained to me that she couldn't hear me from where she was standing at err one end of the room so


the day before I was very very worried and and I was praying very very very hard I actually I actually also rehearsed many many times ah so on the day itself when I went , I I do not know why when I stood up in front of the mic right an unusual feeling of calmness ah


overtook me you know I just felt very very calm and I just read out from my script uh whatever I prepared from from my slides right I just read it out and I did my presentation and then I was, you know during presentation they tell you you actually have to engage with a a sort of like look at your your audience right and engage them right !wah! so I did was I was actually able to sweep my eyes through the room right very briefly and I sort of made eye contact with them and then err when someone


pose a question right err I was able to answer the question so ya it it really turned out much better than I expected so, at the end of the day I asked myself how did I do it and I said it was not me


it was the one up there who helped me , yes because, first actually my colleague told me that she was actually at home that day oh no she was on leave so she asked me for my the time of my presentation right during the presentation the whatever time I think it was two o'clock three o'clock


she lit the alter the candles at the alter and she prayed for me and it was at that moment I think ya my present was my presentation I really felt very very calm it was like yeah the divine one was, standing right beside me helping me and then yeah eh it


I I very very thankful eh it really turned out much much better than expected, I'm very very grateful one for for that experience, ah


, ah ah !wow! oh !wow!


ya your prayers got answered , !wow! oh thank god for that ya


that's why I have faith in god ,


well at least they are being nice for telling you nice things right whether it's true or not , , they are trying to be diplomatic


oh I, would say, to tell me the truth in a nice way, so it's nicest thing


can't think of , ah (uh huh) okay okay !wow!


I think so ah I think I cannot repeat something ten times and not not show any impatience in my voice it will involuntarily come out like somehow or rather in my body language, even though I may tell myself be patient be patient


, yeah how do I stop it ah


oh okay okay I've been having it for the longest time but just ignored it, err


no I can't remember, , ah okay I'm thankful for the good things in my life like err I have a loving family I got good friends, err and then, err even during this this time


, this this COVID nineteen time right , err I still , how to say err we still have food on our table, ya, so I am very very thankful for that,


that's good , help to build up the retirement funds,


err I'm sure uh I'm err I'm sure he should also be thankful for having you also, ya ya ya


err, okay what was the happiest moment in your life, oh uh


that's why I encourage you to have more kids , !wow!, , oh you mean they are the rest actually took much longer ah, !hais! I thought ya I thought so


oh yours is is is not the case, oh how long was that uh ha


!aiyo! so terrible, ya


a big achievement ah, err happiest moment in my life ah I think it must been like when I had, uh the first time that I travelled, cause then first time I travelled go on a tour with my hard-earned money after I graduated you know many of our friends right they were already travelling you know once they graduated even before the the job started right for me I had to start my job first


and my first salary or even first year salary before I have money to travel so when I when I went to new zealand with err, it was my first time out singapore I really treasure that because it's the first time I get to travel and then it's with my hard-earned money of savings for


one year you know so that was the happiest moment of my life, because I've always wanted to travel and uh I didn't have money to lah so yeah I was very very happy, okay, ya our our my friends


then after that they they they have to payback payback the parents [orh] I I know our friends who who did that lah after graduation they borrowed to to travel to europe, ya, err and I didn't have money to travel europe I actually went to new zealand only,


ya no money I only have money to travel to new zealand , but anyway I I I was very satisfied lah I very very very happy already, so now what is a comfort food that you can always rely on to cheer you up,


oh I love chocolate all sorts of chocolate especially dark chocolate with err especially those with nuts all sorts of nuts, err ya I like bitter chocolate but it must come with nuts, ya I love chocolate and mix


err I'm a person with sweet tooth I love all sorts of sweet stuff cakes , tarts nice but it's bad bad for the teeth !huh! really ah


oh okay, ya, oh those very hot ones ah like they they do it in a in a wok kind one is it, ah ah ah ah ah ah ah ah ah


oh that sort ah oh okay okay that's nice, oh, yes yes yes yes ya very hot


but it's is it's it's it's very very hot and very painful your fingers to peel it open right, I I I I had I , I enjoy eating it but I don't like peeling it, ah ah oh oh ah ah ah ah ah ah ah ah it happened to you before ah oh ah ah ah ah


!aiyo! , oh my goodness, ah ah ah correct oh !huh!


eh I should go and try did you you buy those raw one from raw ones from where market or supermarket, oh, oh korean ones ah


oh oh okay okay october okay ah


ah ah ah ah ah ah, ah ah ah, !aiya! not so not so healthy lah, oh that's


oh okay okay eh you say hundred [err] two hundred degrees for how long ah, half an hour ah


oh, !aiyo! ah ah ah ah ah okay


okay kay kay you you remind me ah you let me know then I go and try it should be nice I also like to eat , uh but I, also like to eat what <P2>lawrence</P2> also likes to eat


, ya ya ya I will I will try try that one, okay let me see, I


actually I I I'm a sweet person ah I as in like I have a sweet tooth lah very terrible, ya ya ya ya ya like #siu tiang# #siu tiang# make one I mean #siu tiang# thought one I haven't tried lah but I I like #tau suan#, ya ya


the the #orh nee# you know the yam paste, with the ginkgo nut, !aiya! ya the one they serve at wedding wedding err dinners (oo), I love those, ya ya ya ya the yam yam yam, most importantly is the yam


eh you say should should, you say sugar is bad for shingles ah, !huh! oh no (oo)


oh because it's heaty right, when you're having you're not supposed to eat lah okay, okay yay , okay


part one financial related topic


cool janna do you have a saving account, really no lah I think I want to share a bit more about saving accounts


so my saving accounts is with POSB DBS, and I know that, there are some of my friends who are increasingly uh looking into other bank accounts like OCBC for example


in the in the, intention that these other accounts alternative accounts they offer better investments uh sorry better interest rates especially when you sort of like tie up your salarisation with with those accounts, but I think the reason why I'm sticking with POSB is primarily because of the convenience you know they have like the largest network of ATM machines


and and in terms of acceptance it seems like most merchants have got no issues with their with their cards et cetera so yeah what about yourself have you have you considered ever changing your savings account


okay, cool so do you have a credit and debit card


yeah


cool yeah I think prior to that the so called debit cards were essentially our ATM cards but you know you can't make online purchases from those and hence they upgraded those ATM cards into debit cards instead to allow you to to to make online purchases uh which credit card are you with by the way


is it the woman's card


did uh


yeah I think for myself when it comes to credit cards, frankly I used to have the UOB one card, I had the Citibank I forgot but it was a blue card


and I also had the HSBC, that was a black card so so the reason why and I I totally get your point but the reason why I had multiple cards was because we knew that different merchants will have different promotions tagged to different cards and I wanted to be in the position where uh whichever merchant I'm at


more often than not I will have a card that can enjoy some sort of promotion uh so that was the reason, and and, yeah I mean that for example like if you if you if you if you go into a Shell station or Esso station for example right they will say that !hey! if you have this card it's five percent discount if you have this card instead they will have ten percent discount if you have this card instead you have twenty percent discount


so that's when you will feel like [orh] I'm so glad I have this card right so I can pay with this card and enjoy twenty percent but when I go to Fish and Co you know the F and B then there will be another card that has a promotion, so to me at in that sense it was useful but frankly when when it comes to choosing which card


from that bank to go with it was all about the, giveaways like uh I I remember I remember going for that particular HSBC card because I wanted the luggage bag it it it's good man it's it's it's gone everywhere with me uh ever since then


yeah so that was then right and I I came to a point where I kept missing, I'm really bad at paperwork you know so I will I will miss all my due dates and I realised !aww! I'm gonna have to pay extra just because I miss like my due dates so I told myself I'm gonna cancel all my cards and I will consolidate all my purchases with one card only and I'm using Amex now primarily because it gives me a high spending cap twenty thousand which was useful


because the other the other cards you know I will have to call them up to to ask for a for an extension or or up or lift up of the of the cap spending capacity and I also like AMEX because their customer service is fantastic like phenomenally fantastic I had a bad experience with UOB by the way


I realised that there was some fraudulent spending on my card and it was it happened to be a card whereby I had gone to the bank branch itself to cancel uh but it turns out they they didn't cancel the card and I was informed that there was some suspicious activity on that card it took me about eight months


to get the money back, and you know, the frustrating thing was every single time when I call in I will have to repeat, the issue with every single customer service officer, it is almost like they don't have a record or a log about my previous calls so yeah I mean that that episode was really bad I told myself I want to do have an I want to have nothing to do with that bank anymore


I didn't follow up I could yeah I could imagine it's a lapse maybe maybe it was just a casual conversation on the counter telling that person that !hey! can you please help to process the cancellation of this card and and then I went off maybe right so they didn't follow through with it


oh man


that's not too bad that's not too bad uh let's talk about , investments you know have you you know obviously most of our savings are in our savings accounts and we know that the rates are pretty much pretty baseline not too attractive


have you considered or have you done already uh moved your money elsewhere to invest


yeah yeah , I think, so personally I've I've I started this year only but I'm still reading up so what I've done so far is to put in my money in those I'm not sure if you've heard about it it's called Stashaway it is one of the many


a robo robo-advisor apps they call it that to be frank I don't know if there is actually a fund manager who is taking care of my money but I do put in a decent amount every single month, uh to that account and they will they will invest that money in a pretty diversified portfolio uh it's pretty clean looking uh in terms of the UI I read somewhere that the guy who created this used to head up Zalora


so you could imagine the the awesome UI s of Zalora in that particular app as well, so what they do is you know they will they will they will help you to manage your your your investment and you have the ability to at any point of time withdraw your your monies or to sort of like change your preferences in terms of the risk that you wanna make and and and and stuff like that


uh but I think you know for sure definitely in the long run I feel that uh some risks are worth taking you know you you have to come to a point where you realise that your money isn't growing, at that at that much of a rate if you just leave it in your in your savings account


have you taken any loans by the way, student loans


okay, reading up so you you know you you you you are exposed to different level of control in your investment I wanted something that offers me convenience but at the same time allowing me to know exactly where my money is being put in


I felt safe as well because of the various reviews that were online apparently this particular Stashaway app is rated as one of the top uh trusted, robo-advisor Google Play


online Google searches, yeah, so you you you don't wish to talk about your student loans


have you have you considered to are you allowed to refinance your loans


okay, got it yeah, no for myself uh well there there there's single


yeah you know it's like I think all this while I've always been in a policy of as much as possible don't take up any loans so when I bought my bike, when I went for a honeymoon during the wedding I paid everything cash you know because I I didn't I didn't want to have any loans involved


wedding no I didn't I didn't , honeymoon no as well so the first big one was housing right and at the moment we are with HDB loans to be frank the


the rates are not attractive at all so I am in the process of like looking up about alternative refinancing payments from from banks I feel that it is the way to go because you know ultimately, you can yeah yeah


ya I think we can wrap up already right (ppl) I don't think we can go to four point or five


part three negative experiences, cool do you want to start with something janna


I think there are a couple that stands out I guess when it comes to heartbreak , I guess the first one was when I was in secondary school and uh I was participating in a competition


it was an NPCC competition, involving campcraft, and there was so much hopes and so much confidence as well, we trained almost every day and we have in fact been training for almost a year to prepare ourselves for that competition that happens every two years


we were a school with a lot of legacy victoria school, we, tend to finish either first or second every single time in that in that competition, and, we performed really really strongly during the preliminary rounds to get into the finals


now during the final there was there was a hiccup, that happened, which we should have reacted better to, but it led to all of us in the team in in confusion and shambles and eventually we lost pretty much terribly we ended seventh


in the competition , I remember it was it was one of the earliest heartbreaks I had, it was really painful, uh it took us a really long time to to get together to get back to get ourselves back


and it it was just , it was it was such a low period in our life back then, the second episode that, I could I could say was


pretty painful was, more recent in my adult life when, and that occurred around my sister's divorce with my previous brother-in-law, so I knew that my sister's marriage with my brother-in-law was on the rocks for quite some time already and


at that point in time I think none of us in the family thought that it was going to be, it was near enough to the tipping point I mean they had a real huge


altercations they had a real huge , you know uh disagreements, but each time they will they will wrap things up and and and go about it again, but I remember that night that night my brother-in-law was in my house to pass some goods and


at that same time I had a text from my sister, it was a screenshot of my brother-in-law's phone, that she managed to sneak and


it pretty much showed that my brother-in-law was already you know had already moved on with his life, and I was I was just too stunned to even confront my brother-in-law at that time, but after he left I took the courage to spill the news to my parents and


and you know they, they didn't take it very well obviously, my mum was in tears, and I remember the entire month or months post that was a very difficult


time for my family uh to deal with how about yourself


yeah, oh okay janna you were you were you were hung just now for a period of time, ya you were you were frozen


really, it is okay sorry


so speaking of that you know you you you just said world news, what are some of the injustices in the world that make you angry


yeah, yeah I think


I I don't know how true this is but it could be also the fact that we are a minority here in Singapore the malays, maybe we are able to relate more to the supposed injustices that are happening towards other minorities in other places I mean the two examples that you brought up the first one being the the blacks in the US the second being the uyghurs' community in in China


they are they are both minorities right so I guess maybe in that end we are able to to relate to those I feel the same way to be fair , I could also speak about the conflict between Palestine and Israel


which has you know been ever since world war two, and uh there was this recent news uh with regards to UAE, with the


prompt and help of US supposedly they're now setting up full diplomatic ties with Israel and it it sort of like uh invited a lot of backlash amongst the arab league as well as the muslim communities and countries like Malaysia


you know I I think , on that I I I feel that the the people of Palestine you know they they obviously feel that their homes have been taken away from them, in a very unfair manner


you know that boundary that map was drawn out after world war two by people who probably have got no right to even draw out that map on them, and you know that's that's that's a that's an injustice that I feel as well


yeah agree with you, yeah agree with you


yeah well well internet trolls are always there right and yeah, yup


yeah, I think you know it's it's it's it's always debatable I mean even black lives matter sometimes you wonder whether the black community have done, enough of certain certain things to to get themselves into such a position I mean where does this uh where does this stigma of them being violent of them being involved in drugs about them being involved in in the underworld side of things


there could arguably have been a series of consistent, link of that community with those less than positive events or activities that sort of like created this stigma amongst the larger population in US that got them to be in that manner in that situation


so sometimes you when you when you when you read those comments you don't realise that there there might have been, there might have been certain situations or or justifications to to drive towards that gravity


cool !hey! let's uh let me ask you if you were to die tomorrow, what would your last words be to your loved ones


do you do you feel that your parents or your family know just how much they they mean to you, do you feel like your parents or your family members or your loved ones they know exactly how much they mean to you


ya I think my family is somewhat similar , we, yeah we we almost never say I love you or I miss you or you know I think my mum is probably the only exception like he would she would time to time will tell me !hey! when are you gonna come over


I've been I've been missing you but only at the extremes but , but I I remember there was one time when when I got myself into an accident a bike accident I crashed my bike at the back of an SUV


and I lost consciousness I I don't remember much but I knew that when I woke up, I was at the side of the road there was a there was what looked like an oil tanker that sort of like position itself across two lanes to protect me from any incoming vehicles


and I remember at that time I I saw blood coming from my nose and you know seeing all those hollywood movies I thought that I was about to die and and I remember that, that I was I was so sad I was so sad and my mind was was in my mind I I just wanted to make sure that my family knew just how much I love them


and and, you know I I fly pretty often because of work this uh before COVID and uh to be frank every single time when I board that plane I I do I do tell myself you know what what if, what if this flight doesn't doesn't end up well and and I'll be up there airplane mode there is no way for me to communicate my last words to my family it would be such a harrowing experience and and you know not being able to tell them just how much they mean to me


because like like you my family also you know we don't outrightly say just how much we we we love them and they mean to us, I guess my my feelings towards them has always been more implicit rather than explicit in the way I always tend to defend them I always buy food for them and think about them and buy gifts for them and just making effort to to have gatherings and get-togethers and stuff like that


yeah I guess , I would love for them to know just outright how much I love them and how much they mean to me and how much I appreciate my parents especially giving up so much just to raise me in a manner that they have done


part two positive experiences, !hey! janna would you want to describe a moment when things turn out better than expected


interesting so I guess , well we went to we went to Iceland for a for a honeymoon right and to be to be frank , we chose Iceland because we


we love the nature we like the landscape, like anytime we would go for nature over cityscapes, but of course a big draw was the auroras the northern lights, but I remember going there with zero expectations like I literally told myself there's no way we're gonna see it because of the various online reviews that we we read online the chances is uh uh really slim you need all the conditions to be right you need to have a cloudless sky you've got to to have a pitch black night


and stuff like that so the the the trip was already fantastic it was beautiful we saw waterfalls we saw a lot of magnificent geographies hot uh hot water and and and all that stuff, hot springs right so so when when


and it it was it was so, it was so unplanned for because I remember we sort of like lost our way that night and we ended up in a , hotel that we had no reservation for we booked it at we booked our night at a hotel and lo and behold the the next thing we knew uh we saw the northern lights right above our hotels so to me that was a fantastic moment it was it was


it was so meaningful in many different ways uh it was definitely one of the incidents where things turn out better than expected


yeah it was snowing


so what would you say was your biggest blessing in disguise is there anything that comes to your mind, I can I can I can start off by saying that , and and I chose this question because I think it is kind of like very much relatable to what you just said you know it it didn't appear things didn't appear to to to turn out the way it turned out eventually so one of the biggest


darkest episodes in my life was dropping out of university, I remember it was such a it was such a painful episode, to drop out after two and a half years in uni knowing that I was not good enough academically


or maybe I I didn't I didn't try hard enough, but it was so bad because I knew that I would have, I would I would be disappointing my parents especially and you know they're the most meaningful people to me , and it it it got to a point where I didn't even tell them about about it for almost a year so every single time I go out there


uh working part-time after dropping out of uni I I was just telling them that I have got courses and school uh when in fact I wasn't I wasn't heading to school , but now looking back


dropping out of uni, and going into school, and taking the path that I took, got me to where I am right now, you know so uh it just so happen that it just so happen that my career so far has been built on on


hands-on experiences rather than what I studied in school so I I can say that the biggest blessing in disguise is the fact that I dropped out of school


so, when I was a kid I I've I failed to enjoy things that are not so sweet, I I mean I could I could change the question around what I can say is I used to love sweet things when I was a kid but I don't really like them


now like I prefer things to be less sweet I enjoy, other flavours like sourish more I I hate sourish things when when I was a kid and I would say that I I do tend to enjoy uh vegetables slightly more now than when I was a kid I I I used to go to the extent of like


picking out vegetables out of my plate when I when I eat as a kid when you eat as a kid right uh what about yourself


yeah


yeah, so what would you say you love most about yourself like what was the biggest compliment you ever received on yourself


!wow!


cool compliment, I I guess , so I used to


so uh I had a I had a I had a teacher in secondary school right and , he was someone that I kind of looked up to as well because of the way he he presented himself and he was sort of like , charismatic in that manner uh very witty so anyway a few no not a few many years later it was one of our school's


anniversary so they would do like a huge anniversary bash every sort of like five years to celebrate a milestone so I met him I hadn't I hadn't been in contact with him at all and, the thing with teachers is when you're close to them you're close to them but this one I'm not very close to so I wouldn't expect him to really remember me because


despite us having few teachers teachers have got hundreds of students , but but he saw me and and he approached me first and and he was he was really happy and he said that !hey! I remember you and he remember my name and he said that


I remember you and and I knew that you were someone who had a fantastic way of getting people to to work with you, sort of like , and and that was quite something as well because I I had I took a lot of leadership positions in schools so it was just it was just nice when you know when when you realise that uh someone pretty random


you know because obviously he meant a lot to me but I didn't know that I meant something to him too so I guess it was those sort of like compliment that that really stood out because it was very much unexpected, yeah !wah!


I our our, I yeah I would admit I don't I don't remember the name now but give me ten seconds I think I will be able to fish out the name


so so we talked we spoke about the teacher and I look I looked up to him what about yourself is there someone in your life that you really look up to most and and why


why so


ya I think for most of us our parents are our role models, I I guess it has got to do a lot with the struggle that they they went through, just to ensure that we don't have to go through those same struggles


and, to me the thing about parents is they have, they have so much fight in them right they, and they are so keen to shield us from even realising about those struggles


so, uh I think you and I probably agree that like my dad for example my dad went through the same sort of hardship that you you pretty much recounted you know he was working from


eight thirty in the morning to nine PM at night he he took a double job just to to make ends meet , but but none of us actually realised that it was difficult like you know he he always made sure to come back with a smile on his face never complain


and and and we we never found ourselves in a situation where we we never had food on our table or we had our uh our entertainment and fun deprived, you know they they always made sure that they they cut down on their own expenses on their own uh joy and happiness just to make sure that we have a laptop we have our gameboys we have our Lego kits


and and , and to to me what was what was really kind of like overwhelming when I found out about it was it was only when I was almost sixteen years old that I realised just how much my dad was


working and the kind of job that he was working he was he was doing a double job as a janitor, and it was only later on when I was seventeen or eighteen years old that I realised just how much my dad was earning, and and when I when I when I realised all those it it totally changed you know just just how much I appreciated the things that I had before me all this while


so yeah straight up I think my mum and my dad they were they were the heroes, so what would you say is your comfort food that you can always rely on to cheer you up janna


really


so for myself , two things for me I think , ramen, a hot bowl of ramen a good bowl of ramen will always cheer me up, I always look forward to the feels of comfort


and and relaxation, uh and like it's easy enough for you to buy I guess , and the second thing would be Teh I mean it's not really food it's a drink but you know anytime anywhere when I get yeah tea but the traditional tea you know those


coffee shop kind of Teh I'm not talking about uh Coffee Bean or Starbucks but the coffee shop sort of Teh, yeah yeah but , yeah but but I like I said not Coffee Bean or or Starbucks because they they they serve those kind of drinks too but it's just a different feel and vibes


oh part one financial related topic


yes I think everybody has a saving accounts right can we move on to the next question I think that's more interesting do you have a credit or


okay


ya ya so uh I think I will stick to POSB because it's quite like you said convenient and it's easy and it seems like every singaporean I'm not too sure but I remembered like last time when we were in primary one I think everyone had to go through this, like registration they help us to open the account and all that we had a POSB kids saving so I think that's that's how it started so we kind of like just


stick to it like we didn't think about changing but of course when we are older we kind of like know more uh banking products more more other brands and all that so I think for me I was looking more of


like for another bank it's more of like to separate my, finances like you have one that uh your salary put in and then you might want to have one more that you uh do it just for purely for savings like you know just have, additional cards and all that ya like my sister I think she recently uh I'm not too sure why but she she created a Maybank account I think


but I think that's more for her I'm not sure whether it's for religious purposes or anything lah but yeah she she did one but it's so it's it's more of like a, just another account to to separate her finances but it's more of like a savings so she she will park all her saving there so she will take out from one she will take out from POSB and then put it in Maybank yeah


yes uh we have yeah I think I got okay so I think debit card it's quite I'm not sure whether it's new but I know we we heard of credit card like for the longest time whenever we talk about visa and mastercard it's always associated with credit right but I think when we were


uh like late teens we we came across this this term like debit card so it allows us the the one the most important thing was to allow us to purchase things online so I think back then, when you have a credit card when you when you have the details you need to have a credit card in order to like purchase so now uh we don't have to have a credit card in order to make uh in order to have a visa or mastercard


ya so we can buy all those we can we can create our Paypal account and all that so that was like the motivation to have the debit card and it would so-so I think, for POSB I think it's free so like why not so we just created it


uh mine is DBS so I was lazy ya it's the woman's card so so my motivation of having a credit card was actually during, ya when we were we just got married when we were buying a house so that's when the big purchases uh big purchases come about and I also know about uh


cause I wanted to go for the instalment instalment plan they have like the twelve I think six months or twelve months or twenty four months IPP program that means, with zero percent interest say I wanted to go for it and I think


I think not met okay there were quite a few banks that are offering this I think the other one I can think of is OCBC, so you can actually buy like from it's quite easy because from the merchant like for example Ikea right then we want to buy a sofa then you can actually pay by instalment by credit card and then I think there were only like two cards that offer this which is uh two banks who offer it


uh either you go by O OCBC or DBS and then if you purchase from Lazada you also have the option to, pay by instalments so it give us a bit of like a a breather because you know when especially when you buy a house you could you have a like fridge to buy you have all the household appliances which is quite a big sum if you want to pay in lump sum so you rather like split the purchases


ya so why uh I actually I did read up about you know which credit card I want to go but I decided to stick with DBS first cause I I thought that card was nice looking and next because the application was easy because really we already uh


we already have account with them so we just need to apply through the iBanking, and everything is the application everything was like digital and online so there was no like, agent interaction involved ya and then you just log in with your Singpass and then they will like extract your details or something like that I think on my end I only need to upload one file I can't remember but I think it was my IC then


ya like I don't even have to upload my payment slip because they retrieve that all from the CPF records or something, and then ya and then I think like uh


so did you actually get any promotions out of any big ones you can think


ah ya ya ya ya ya I remember that


ya that was nice I remember during my time I didn't really find any good like promotions or gifts like even for DBS I kind of like you know forgo all the other promotions that go with DBS so I mean truthfully now I haven't been quite pleased and I think that the


like I don't feel any like I don't feel rewarded as like a loyal like customer and all that there is no, like no personalisation no no effort to like reach me out there isn't you know I I haven't even like redeem any sort of like rewards or points on anything they didn't try to like give but I know I know you have Amex right


so you didn't actually did you ask why they didn't actually cancel your card or it was just a lapse on it and


yeah yeah I I didn't have a good experience I didn't have a good impression of UOB also because I know my sister she has she has an account and then there was, a similar she was there was like some fraudulent charges on her card apparently some like multiple Paypal charges but then they actually argued that it could have been so so the bank kind of like uh


argued that it could actually be one of my nieces or nephew oh even though we say that you know it that there's no, I mean like they could have traced I I'm not sure whether this is within their capacity to know but if they would have traced like the IP they would have known that you know it's definitely not being done here there was like because the Paypal account it doesn't even belong to my sister like she has no


it was it's definitely it was definitely like fraudulent charges and then they they didn't want to like it it it appears that they were not very helpful in trying I think the amount is not too huge but you know it was like maybe around three hundred which is to my sister it's quite a huge sum she's not really like well-off or anything


ya so that was one I I I can't remember whether I think eventually the, they paid her back or something it but it took a really long time and then there was another incident where she accidentally paylah or paynow to a wrong mobile number


and then then the she try to call up UOB but again they say that you know they they can't really do much at the point of time something like they were being very , reluctant and unhelpful so I had a similar incident with DBS they were more helpful I guess it's good I actually send the wrong I wanted to send money to someone and then I I think I miss


some number and then I called uh I called them up and they said that uh but weirdly they actually told me that uh the first thing I should try to do is to contact that person because I have the number right that the the wrong number I try to uh reach out to the person and tell them to return my


return my money then uh if this doesn't go through and then DBS will reverse the amount like but it will take like maybe one seven working days or something like that, yeah yup


no so I personally I don't I haven't already I mean it was something that uh I would want to get into but haven't really like read up about it uh so for me it's more of like like a savings account so we do I I do have this


like investment cum saving, eh no sorry not investment insurance cum savings account with uh Aviva so it was already tied back like when when I was twenty years old so it's been like twelve years for now so it's like a a monthly, premium that we pay for like ten years but it has a fifteen year term so we pay for ten years and then there were like five period of like maturity or something and then at the end of the fifteen year we will make we'll we can get back our


uh the the savings ah so called so I'm just that's my investment for now ya, uh how about yourself


yes but I would not yeah I, don't want to talk about it I mean back to back to the investment actually , I I think I came across a lot of this kind of like trading apps but one of my concern is I'm not sure whether it's like first yeah my my one of my concern is whether it is legit like how you know like how does this work of course during the advert it looks like you know they will always show the


the graph that will go up and all that it feels like too good to be true you know like but of course they will come they'll have this like uh disclaimer an advisory saying that it, uh uh asking us about whether we want, need to be a high risk or low risk or whatever you're comfortable with but usually it involve involves like a like a huge capital or or maybe a substantial so I feel like you know if if you don't have that much kept in the first place like there's not much point trying


uh but how how did you like decided on that particular app or particular


on Google Play, as in where do you read these reviews, [orh] okay, uh uh wait


I had a like a a couple of loans so during like my uni of course we have to fork for, for the tuition it's quite a big amount so there were actually two kind of loans one was from Mendaki but Mendaki they have like a cap I think the loan amount it's up to ten thousand so so the remaining one I had to


go with OCBC tuition fee loan but for this right it's it's more it they're tied to the school so it was quite, convenient in a sense that the application is actually by the school then they will the school will actually uh communicate with the bank to to settle all these stuff yeah so you just have to go uh go down to the OCBC branch once


uh ya ya so they have the they have the option of you can pay back like a lump sum then after that you you have a


you need to specify the amount of monthly repayment and you can actually change this amount anytime, like uh if you want to like clear it all faster so you can increase the amount but you you you do have to like submit like a form go down to the branch and all that yeah (mmhmm) ya how about yourself do you have


home loans


you didn't take up any loan for wedding


can you change I don't think you can change, okay


part three negative experiences


okay I guess, okay I'll go with being heartbroken because this one actually really stood out to me there was a period of time where


K maybe I shouldn't I don't want to talk about this what about yourself


yeah sorry to hear that I think for me uh when, when I say heartbroken it's really got to do with my love life so ya I think in terms of I guess I've been quite blessed I don't have any


within my immediate family we don't have uh the same you know experience like you you have everything is pretty much okay uh for me it was uh, ya I had this like long, term relationship which ya I was seeing him for quite some time so there was a period of time when I found out uh things about him so it was really it was really bad it was like and at the point of time I guess we didn't


because when we were younger we are very emotional and all that so at that point of time I remember, being very very, upset you know I would actually cry uh but it was hard at the same time because I have


you know for I I came from a large family I have four siblings and uh my parents and I'm not the kind that I I'm I'm I'm not the kind that likes to tell people about uh myself like I don't actually confide in my sisters that much when it comes to my troubles so


and then whenever I'm upset I don't like to show them so, it was hard because when I'm upset and I want to try it I I couldn't because I didn't want to show in front of them so I I had to like hide like in the toilet or sometimes I will just go out to the staircase to like kind of like to relieve myself


ya but I do


oh is it, oh no I wasn't frozen I I stopped because I saw your message I just didn't speak ya mine is my this one going okay


ya so I was saying that it was uh but uh I just I think ya to me I just uh, take it like take it as just like a one experience or like episode in my life of course when I look back now I feel like okay it's actually not too much like a you know at that point of time you feel like you know you are you're the only one so I will try to


feel better by you know telling myself that !hey! this is like not the worst thing in life to you know that can happen you know so I will try to read more news and see what's the you know other people like world news you know there are so much things out there that are more important so that's how I I get over it


and yeah I I yeah


uh actually there's quite a few and I think there are quite a couple in the recent times, maybe starting with, the very recent which is the black lives matter


ya that makes me really angry and I feel that sometimes, you know that it's quite you know you feel like okay in Singapore you're quite protected and sheltered I guess like from where you are I would I would say that we are quite uh fortunate enough


to be living in a in a a secure it is still okay but we do know that there are many others out there who are being oppressed they're be uh being, they're prosecuted unfairly and then you feel for them but at the same time you know that you know there's you don't know how you can actually contribute and help you feel really frustrated you feel really angry and you feel like oh my god there's actually such things still happening in this world but


they are so ya one example was uh, the ones I just mentioned the the black lives matter the about police being unfairly treating a certain racial profile and then


there's also uh the one about a certain ethnic group in in China who's being like oppressed so yeah


yeah I I agree with you and I think recently I've see I mean there are some people who try to educate and try to inform you know they because most of the time these acts are being, knew they happen and then like you know nobody really there's no much coverage about it so it kind of like went non-detected you know because they are in a position of power so they can just continue to to oppress the


the the other people and you know it's really frustrating but it's also sad at the same time because we know I I know I'm personally like all I can do right now is maybe I'm not doing enough but, uh I do feel sad because uh you know at one point at that moment I will feel for them I'll probably just like the post I'm aware and then the next moment you know I kind of like forget about it so it's also sad on my part because you know I


I'm not actually doing anything so it is something that I actually hope to improve on lah ya but with regards to the the conflict it's still , you know you you you will think that it's quite brazen because it it feels like it's really a clear-cut injustice


but of course they are people you know there are like always two sides to it they you know the media plays a part if it's how they tell stories and then you will be quite surprised to see that they are you know a lot of them the other group of people who feels strongly


ya pro they're pro, and I try not I try not to read like comments online because sometimes when you go to this article and then you will see the two sides and you'll see the bad side of human there are people who always say things like oh serves them right you know they should just kill them all they make this kind of comment which is like very inhumane so it's really bad


yeah, yeah I know troll troll but sometimes I feel that they are not really trolling it's like they really truly feel that way and it's not just like one or two there's like you know


like a group of them


K you just give me one moment I need to take the charger sorry


okay sorry can continue, I'm sorry and thanks for everything and I love you guys I guess


sorry what's your question again


I would think they do like for me and my family we we are not very the expressive kind like we are not really


outspoken like we don't say things like oh love you or we don't like hug each other in person but I think deep down we know that you know we we share a strong bond and we you know it's just we don't have to say but we know that we love each other very much and we care for each other


yeah I agree with you and I feel the same way especially when you know you take planes and all that but it also reflects on how sometimes we take things for granted because we know that, anything can happen to us anytime but we still don't make preparations for it like you know I always put off things like maybe uh write cards or yeah and so on


part two positive experiences


I don't like I don't have a particular moment that I can recall how about yourself


Toh


hot springs is it hot springs yeah, yeah agree


yes actually I want to talk about uh Iceland actually that would be my answer to question four most memorable travel experiences so, yup but I but I yeah I agree with you about the better than expected because I remembered of course I was excited like you


I know with regards to the aurora I read up like they say like you should prepare yourself like you know this is like a chance but I was hopeful I was really hopeful but I know that you know , there is like high high high chances that we may not see it but I was still hopeful and then when uh the trip started out we had like a delay I think there was a flight delay and then we missed our flight to Iceland so that was like


it didn't started out started out good it was like quite, demoralising already you know we we had to like shift everything so uh I thought it was like a disaster at first but I know that we we try hard to you know try to remain calm and try to see what we can do uh like find solutions rather than you know


ya rather than whine about what what already happened so and then uh so we, we were meant to go Iceland first and then go to London but because of missing the flight so we had to stay in London for like one one day before we can take the next flight but yeah the overall made it like


everything you know it kind of like solve it kind of like made all the, the troubles that we had kind of like went away so that was like the best moment that we saw and yeah I think we made a good choice, for uh trying to venture out to more of the like to the out the city I mean you know in in Iceland there's like only one city


usually the tours are like surrounding that city also but we we kind of like uh we made the decision to actually go out of the city and like to travel downwards towards the south coast you know to increase our chances of of watching aurora we we drove out even though they say that it was I think during


it was during winter was it during winter, I can't remember but it was during winter right, it was snowing so they they did say that if you have no experience driving you shouldn't because the roads are slippery and then you are driving on the left side instead but we kind of like took the risk and then we we ventured out and yeah


it was a nice reward so we managed to catch the aurora it was really really, ya best travel experiences and it's something that you can actually like brag to your friend because I've had like several I have one friends who went to Norway to also catch the aurora but she didn't get to see was very disappointed


ya so that was nice


that's nice, okay what do you used to hate as a kid and but now love as an adult


yeah I agree with you okay I don't hate as a kid the only thing I remember hating as a kid was uh boys in primary school but ya beside besides that I think I agree with you in terms of food


it's like back then we I remember you know I love to go Coffee Bean I always looking forward to buy the ice blended drink, always buy ice blended it's like we always go for cool drinks when we were smaller but now as an adult right I never I'll never that's not my as in our first choice will always be hot drinks like you want hot coffee you want coffee everywhere even ya and then I realise


I really don't drink a lot of like ice drinks anymore I mean I I do appreciate them especially after a hot day or after you work out you're so thirsty you want to drink, but yeah and with regards to


like sweetness also I mean I I can't let me see I think I've always liked like savoury instead of sweet but I do agree with you that we kind of like we have less tolerance for sweetness but at the same time we have I have more


uh I would say we are more adventurous to try out different variety of food like I would, or like drinking tea without sugar except I think when we have child we will never drink all this kind of thing but now we drink coffee without sugar we drink tea without sugar so yeah ya still no sugar actually so yup


love most okay oh the the unique okay


okay the ones that's that really stick out to me was uh that I can remember was I think back in JC back in college I had this one friend female friend uh and she was


uh she was just too sweet lah so we we kind of like after our first year together she decided not to continue JC so she wrote me a like a postcard and she say that I was , it was a physical compliment so she said that I was drop dead gorgeous


so to me that's huge you know like nobody ever think that way of me so yeah but I know that she's also a bit, weird in a sense like she actually has this uh like cutout of newspaper on her wallet of a, of a doctor like real life gynae she she she had a cute crush on him so she actually kept his photo in her wallet then she will like so hot so hot yeah so she's just very appreciative in nature lah so ya what about yourself


I'm sure you have a lot of compliments


that's nice do you remember him his name you had this you had this habit of like uh like people coming up to you claiming that they know you and then you're like I can't remember his name right


I think that will be my dad yeah more on I guess more on like, attitude and also like you know lifestyle like my parents are not very I won't say


I won't say really well-off yeah like we don't come from like a high income background just a I would say like middle and moderate he we have he has five kids all girls and my mum never work


I mean she work like she work in a factory like before she got married so after marriage she she never work so it was just my dad supporting the whole family and he's been, I think there was a point of time that he actually juggled like uh a couple of jobs just to support the family like he he he works in a telecommunications company as a technician


so on top of that I think back then they didn't uh they didn't really earn it it's not a high position so he didn't really earn that much and on top of that he also drives taxi at night, so it's actually it's like working I I I I have no idea how he can, manage that you see because right now even with one job we are always complaining and whining even from working from home you are like saying you are tired we are mentally exhausted and all that ya but he he actually had these like odd jobs I uh I heard that he was also


at one point of time he was also a cleaner at KFC like after it's just like a two hour kind of like job after the shop closes uh there was one point of time he was also a security guard so he did all this while he juggled all these while having a full-time job


at Singtel so it's it's pretty !wow! me and I I don't remember him having any like uh episodes like, like negative episodes like you know he didn't like act it out he didn't you know all the while he he still you know carry out his responsibility as like a a husband and also a father to all of us so yup


very ya


I didn't have that


yeah definitely agree with you, (hmm) there's no one food I think there's a lot too many I uh I think you know that I don't know I'm someone who's not very


picky in in fact I you know can eat almost everything that's, edible and Halal , you know I'm always interested to try out new things like new food especially other cuisines like maybe korean or Japan but comfort food I would say potato


I love potato and potato is like even if you don't have any, uh seasoning you know you can just have salt and pepper and then you can just bake the potato it it's nice enough on its own or just put a little butter so ya


ya food food always cheer me up so


ramen is not easy to make so , comfort [orh] ya I guess so okay, tea


you mean black normal black tea with sugar yeah yeah, oh eh I agree with you ya #teh tarik# for me because it ya


awesome


part one financial related topic


okay so how, how do you invest your money to accumulate wealth and or planning for your retirement


currently I also only invest my money in the bank other than that I don't have, other uh wealth or planning for now yet so ya only only bank savings account


what kind of strategies ah uh, I think if you have a huge amount of savings you can start uh buying like uh, insurance savings to plan for your future or any like uh investment if you have the money to


invest lah what about you


so how do you, ya no so how do you manage your wealth commitments before and after marriage


, I feel that the first step is to, uh for me because I have not been in a marriage what so for now I'm still looking for a job lah after looking for a job then I will start to plan my financial lor


so in the post COVID world what changes are you making in terms of your spending and saving habits


, I feel that after the COVID uh it makes sense that we have a lot more savings in case we uh we are fired in a job so I feel that we need to have at least a few months savings in our bank account so that


we can uh, like survive in the post COVID world so in terms of my spending habits I think you just spend on what you need, and then what you want you can don't spend lah just to save the money that's what I feel lor


uh I feel that in order to retire early you need to have a huge amount of money in your bank like uh a big amount of cash flow like


in a bank lah not like you save your money with uh somebody else with a bank or something so I feel that you need to , have a have a lot of cash on hand before you can retire earlier what about you


okay so what advice would you give to someone to get him or her out of debt


actually I've the same thought I feel like uh if you have debt you should settle it, or clear as much as possible but you need to have also some money to get through your day to day expenses lah and then the rest of your expenses you can save maybe twenty percent for your savings and the rest you should pay up pay off all your debts or so do you think there why should own a credit card


I feel that credit card is not necessary lah, unless you earn maybe a lot of money then you can uh manage how much you spend but for average people I don't think credit card is necessary because if you have the money you can just pay from debit card so , I don't feel like there's a need for credit card [orh] so what advice would you give to someone in order to retire comfortably


uh I feel that in order to retire comfortably you need to have uh like let's say you retire already you need to have a cash flow maybe for maybe the cash flow can be for renting out a flat so that every month you have a stable income to


so that you can retire comfortably without working lah or another way is you have a lot of uh cash in your bank so that you don't have to worry about money so what are your thoughts on CPF contribution


okay uh I feel that for CPF contribution is necessary for singaporean cause uh many of the people they don't really know how to manage their money so it's good that they have CPF contribution and on another thought is that


uh CPF also contributes to our medisave which can pay off our medical bills in the future such as, uh you go to the dentist you can some of the services you can pay using your CPF and then if you go to hospital you can also pay using a small portion of your CPF medisave for that's what I think


uh actually I never really use my CPF saving except for going to the dental and maybe using my CPF to pay for , my HDB in the future


so what advice would you, wait ah so how do you manage your CPF savings


I have one advice which is like when if you can if you have the cash, flow you don't use your CPF to pay for your HDB flat lor so that you can maximise your CPF saving so what advice would you give


so what advice would you give to someone in order to reduce their income tax


ya that's what I think also because uh one thing I know that is if if you donate your uh, salary part of your salary to, those recognised donation company then it can reduce your income tax that's what I know as of now


so what are your ya sorry, so what your opinions on supplementary retirement scheme


uh I also never have okay so I also have never heard of these supplementary retirement scheme so I have no opinions about it, so, how will you make a financial plan or investment portfolio for your family or children


uh I also don't have much, information about financial planning or investment portfolio so if I were to make a plan I would find someone with a related experience to suggest and plan for me and to give me options [orh] so that I can decide for myself [orh] which is the best


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


how do I spend my money, so actually, , actually I've just spend money on mostly is food, transport uh paying for my uh bills


and sometimes I'll go online shopping, uh ya I have just a normal savings account I don't really know about the features I think it's a DBS savings account if I'm not wrong uh I don't remember how much is the savings interest also I just save for the time being lah maybe next time when I have more savings I will look


into some interest rates which are higher to, uh, save more money for me [orh] what about you so do you have a savings account


uh for now I only have a debit card so I just feel like it's normal lor debit card you just whenever you want to buy something you just use a debit card


okay so, so can I ask you about so you mention about the interest rate uh being reduced by the bank right , so okay so can I ask you so uh because of this experience right will you considered saving your money somewhere else instead of in a bank because you said that the interests has been lowered by the bank


okay so, what is your experience of getting a loan from a bank such as student loan


so do you think that uh I know you're not attach but do you think that couples should open a joint account with their partner


okay never mind you ask first, I mean because uh cause currently I just finished studying mah so I don't really have much money to save so if only one party is saving so I feel that the savings is very slow [orh] because only one party is saving the money lah as of now until I start working [orh]


ya correct ya correct


I feel that uh once the child, uh has started working, part time then they should be given an ATM card to manage their own bank account if not then there's no point mah like uh instead if they don't start to earn money then they'll be using their parents money so they don't need to have a ATM card to have their bank account lor what about you


I think minimum uh sixteen years old is safe to give them uh ATM cause sixteen year old sixteen years old they can start working part time already mah so what about you


okay so if you have a big windfall what will you do with this uh money, if you receive a big windfall what will you do with this money like suddenly you uh maybe win toto or what lor you have a lot of money what will you do with the money


uh I think the first thing I would do is to use the money to pay off all my debts [orh] so when I'm when I feel that uh all my debts are being paid I have more financial freedom then the rest of the money maybe fifty percent I will invest it then the next fifty per cent I would uh


uh spend according to what I need, I mean of course not spend all lah just like maybe a portion of it lor, uh not for now so uh can I ask you if you prefer to use cash or go cashless when paying for goods or services outside


part three negative experiences so, so describe a time when you felt trap or helpless


uh okay I feel the same thing when uh I'm doing my final year project because I'm doing coding what like I say just now so whenever I'm stuck at a part I couldn't ask my classmate because they are also not very good at uh coding and then they also don't know what I'm coding about so I would


whenever I feel helpless I just sit there and then I just stone lor until I find the answer if not I will just uh close the project and then I will revisit the next day ya so what are some of the hurtful world someone said to you that you wish to forget


uh in my recent years I don't remember any hurtful words that someone said to me [orh], maybe when I'm young there is uh but I but I don't remember already, so describe the saddest scene you've ever witness


uh okay so in real life there isn't a sadder scene that I've ever witness but for a movie I've uh witness of scene lah okay so the scene was like okay so there's this uh lady who is blind with uh, okay so this lady sorry sorry so this lady she's blind but she have a guide dog


and then while she was on the train someone called her, so the guy which is her friend


hold the phone such that she can, video call, the friend over the phone so that, the guy can be her eyes


to look out for any murderers around her so when she when they video call they found that the person who tried to murder her was sitting right in front of the train so the next scene was that, uh the friend told her to alight at the next station so when


they alighted at the, station, the friend asked the girl to start running so when the girl start to running with the blind dog the , the okay so they keep running and running the person on the phone told her where to run and then in the end they reach a elevator


then, the guy who was who wanted to murder her caught up with them, so the guide dog in order to save the owner went to bite the murderer but instead, was stabbed to death but in the end


the lady was safe lah because the dog, died while trying to save her so I feel that this is the saddest scene I've ever witness, yup, so describe a time where you feel that nothing you do is good enough


I feel that up to now I don't have a skill that I'm particularly good at, so I just feel that I'm not good enough lor like for now when I'm trying to find a job I feel that I'm not good enough because I don't know a lot of programming languages


uh actually I don't remember in details leh


I just uh remember very vaguely that, that I need to do or work harder in order to be good enough lor


so describe a time where you feel that nobody cares about you


I don't remember a time that uh nobody cares about but cares about me because usually I have a family members or friends that will care about me [orh]


okay so what do you often worry about in your life


uh so for the moment what I often worry about is not having enough money because actually I pursue I also have a student loan to pay, okay so ya so most of the time I worry is not enough money to pay for my student loan so I feel that I must find a job ASAP so that I would not worry about this anymore so what is the saddest moment of your life


I feel that the saddest moment of my life was maybe when I was younger, because normally my school they organise trip overseas but then, uh I wanted to go overseas but my parents wouldn't would not allow so I feel that the that was one of the saddest moment of my life lah


like I cannot go overseas together with my, friend to have fun and also to learn [orh], is like an exchange program lah, ya, so is there one thing you wish you could change but will never be able to


I feel like uh, the one thing that uh, I wish I could change is the country I'm born in


uh maybe if I could change maybe I'll prefer to be born in, south korea or japan because I feel like uh, there's so much I mean uh actually I actually like the japan culture and then I feel like if I were to born there like everything could be different like uh like my life experiences will be all different ah like in a very positive way which I feel that I could not get in singapore


but I feel that for the moment uh because I have a dog I don't think in the near future I will move over there lor I mean ya, ya that's true also


so have you gone through any loss in life


uh definitely like let's say the loss of my grandparents although I'm not very close to them but I remember when I was younger they will spend a lot of time with us and then when they pass on I don't really feel a lot of sadness maybe a bit of sadness because I was not


close to them in the first place so ya I don't feel like it's difficult to deal with the loss, it just get better over time [orh] like maybe over time one month later I'll be less sad that's all so what makes you stress in life


oh ya actually I feel the same way like uh what makes me more uh what makes me stress is definitely the deadline uh for exams like let's say uh the deadline is uh, one month later then when I know when when I know the deadline is getting nearer I'll feel more stress because I feel like I'm not uh studying hard enough for my exams or I'm not doing


uh good enough for my project so that will make me feel more stress, uh I feel like the most traumatic


accident wait ah what's that thing called experience okay so the, most traumatic experience is when I went to travel to I think Bali and then I fell off the bike and then I scraped my, skin I feel that that's the most traumatic accident [orh] because from that


uh, from the experience I need to, stay in a hotel just to recover and I cannot go out and play so and then I felt a lot of pain, so I feel like that's the most traumatic incident in my life what about you


what's the biggest thing holding you back from your goal


uh actually I feel the same thing ah like let's say if I like I actually I have this goal of becoming a veterinarian but because


I fear that uh I actually I don't feel like, enough funds to go overseas to study so, and then I'm not I also don't I never thought of it earlier to save enough money to go overseas, so I felt that the biggest thing holding back from my goal is myself because I did not put the effort and time to go chase after my goal


actually I actually have phobias on cockroaches ah but I did not take any effort to overcome them I just avoid them [orh] what about you


but do you actually want to take the effort to overcome your phobia of heights


part two positive experiences


okay uh describe a moment when things turn out better than expected for you


, a moment that turn out better than expected ah uh actually I don't really expect much so I don't


really have a moment that turn out expected as expected lor for me, uh because when you expect then you will have and when you get a result it's not as you expected then you will have more disappointment so it's better not to have expectation now for me


so what is the nicest thing someone has ever told you


uh nicest thing ah uh, uh I think the nicest thing someone has said that is uh I'm very, helpful, during work like maybe because I feel like I uh whenever people encounter a problem I like to Kepo and them helped them lor


so maybe they think I'm very nice ah so what is the happiest moment in your life


uh I think it was the same thing because studying in poly is also a very, uh troublesome thing for me so I feel that when I finally graduated from poly it uh felt like a very


a good sense of achievement for me uh so it was the happiest moment of my life ya, uh maybe because I'm not a very hardworking person who liked to study


so I'm just like basically forcing myself to study for the whole three years [orh], yup so ya


okay so I don't really travel to a lot of country lah so if let's say the most, memorable out of my few travel experiences was, uh going to thailand lor


like going to Hatyai the part of thailand where you can see uh alpaca the animals, there and then, the scenery there [orh]


uh, I've been to indonesia Batam, uh thailand Bangkok and, and malaysia lah that's all so what about you what is your most memorable travel experiences


okay so what is the oddest or most unique compliment compliment you've ever received in your life


uh I don't think I also have the oddest or most unique compliment as so I've remember lah, okay so what are you thankful for