I don't think so eh like, like I don't demand I can't


I can't remember what gift my parents give me or or anyone, or maybe like matilda like <P2>matilda's</P2> uh wallet lor like, but I I knew I know it I knew already I knew already before I knew, she ask mah she ask mah she ask mah ya so


I think I think your biggest uh uh blessing in disguise is joining a bank right, do you think so, it is right I talk to you about jobs just later I want debate to you about jobs okay never mind we talk about this first, is it is it lucky in what way uh uh


uh ya it doesn't matter actually, ya doesn't matter uh ya, eh we we eh don't talk about don't talk about eh you should talk about something else ah like like, something more fun like why you're lucky like maybe like you ah


ya lor ya lor I also think so because, because all of us uh got into, similar like like what we study in in uni lah but, you you you what he say what he say, [orh] yeah we he we saw him mah that day uh #clarke quay# on friday


we saw him with girlfriend ya okay sure uh, I think what you like to eat ah I think you are very #chin cai# person eh I always go eat with you you always ask me to choose !walao! like girl like that, ah what eh be


professional <P2>ang</P2> you don't, be professional be professional be, professional ya okay, okay okay okay fine food !aiya! food you will always okay, so uh what do you


love most about, let's say yourself, don't say face don't say face cannot say face ya, ah okay lah oh is it


try try to be a fool in front of like us now, try <P2>ang</P2> try try to be a fool , [orh] yeah ya ya you made us laugh ah actually it's good one good one good one good one ya ya ya I understand I understand, ya maybe, I know I know I know I know ya


like uh, ya lah those those fun times lah, okay sorry


eh I think, , very uh, I think I treat my friends well lah I think I I don't I don't know if you think so, like a very I don't have bad intention, ya I think so


ya lah ya eh about yourself right about yourself right as in I I, I'm like ya as in, ya as in being nice ah being nice being nice as in don't have ill intentions of people like be kind be caring ya lor I think so I think that's that's my character lah so


, ya lor so people hit on a soft spot of that lah, ya, oh is it I don't know I don't know sometimes right, ya


ya lah I hope I hope not lah as in at least you know mah you know what kind of person I am so, that's what I love about myself lor, no no no no no, I'm saying I'm saying I'm saying I hope people don't take don't do don't take advantage of that


ya, okay whatever boring let's go next, uh who in your life to look up to the most, boring eh me ah uh my uncle I think my uncle, extended ya my uncle, why he's


damn bloody rich lah then what why he's damn bloody rich, he's as in okay okay uh ya, rich as in in terms of he is also in a same trade as us engineering, and uh he also like us started off like with a few friends uh


manage to sell off business and uh make money from that so it's something that I look up to lah as in something that I want to, to be lah, as in then he invested property that's why I told you right he invested in property already then he got the capital mah to invest the property then


that's where he started, becoming richer and richer lor so , something that I look up to lah, what about you I


cannot be eh, look up to ah your dad lah, your dad right ya your dad ya, no eh actually you told me that the other one it was a double edge sword leh as in you is double edge sword eh


, he brought you to fun places right, ya ya


okay, okay that's good that's good, eh your sister still doing uh masters in programming now ah, !huh!, !wah! good that's why the power of girl ah


don't need to, don't need to hold responsibility of like finance like don't need to have money, then she what she !wah! not bad what what she doing in facebook, eh ya eh you know right you know I talking about data analysis right I wanted to tell you like we should go and take up courses on data


analytics I think is where is what, uh it's in the market the upcoming upcoming thing so actually we should go and take because I think I saw this, I know it's about me and you


ya don't tell about <P2>rachel</P2> ah, [orh] like <P2>rachel</P2> lah [orh] your friend <P2>rachel</P2> is it, , [orh] [orh] okay okay okay [orh] [orh]


okay I thought you talking about your friend <P2>rachel</P2> ya but okay but no no really jokes aside as in I really want to go and take because yeah it's like programming right but I saw this uh lady right uh, she was , model model and actress, then she went to take this, this one year course with NUS


!huh!, ya so she went to take out this one one year course then she's now working as a software engineer at shopee, so I think it's very it's a good prospect we should look into, lah I think maybe


because we don't know then we can ask <P2>rachel</P2> what so at least we got we got contact ya, yeah, okay Ons okay so eh, wait ah let me see what is the one, okay I know describe one of your most memorable travel experience


travel experiences I hope, I hope is


why what happen what is your most memorable travel experiences, come, share what share what happen in Glasgow, okay okay , okay okay


yup okay okay okay okay okay okay ya


ya I think I think I think ya I think uh if you ask me right I think one of the most travelled more memorable one will be will be us in Glasgow lah really something that money cannot buy something that I never regretted, ya so (hmm)


five pound stick five pound stick ya, ya, no lah also no lah also is is just the staying together kind of thing that uh that uh we enjoy lah we really enjoy lah and also cooking together mah so, and, ya also ya not level lah but


uh, at least you get to drink together go casino together so I think something that I look back I would do it again I will definitely doing it again I'll definitely ask you guys to go Glasgow again or maybe not Glasgow lah maybe some other countries , to to, to hang out together those days ah


so , uh ya ya that's right that's right you joined the wrong group of friends so, maybe give like uh ya lah but, I think give at their trade off like they are good in


they are good in, studies mah then for my group my my group also good in studies but , not as good as uh, oh ya ya ya ya ya got the suicidal guy


oh is it oh ya that, I ya I think you will Jio me go casino with you every every every two days, , ya eh talking right talking about it right, we talking about it already <P2>jeremy</P2> <P2>jeremy</P2> wants to go you know she she ask me, ya he he


ya ya ya the six hundred dollars government money ya he say he want to use, we but I think I think in august ah in august we go, yup, or maybe not her birthday lah we see how lah see how, haven't plan yet, ya but go okay, so


what is the something positive ah what what what's positive okay let me think maybe, eh what do I hate as a kid ah uh


okay you answer lah I don't know what I hate, [orh] okay so, [orh] okay so that's your priority lah different mah


ah, [orh], [orh] hor hor, [orh] so now you [orh] you got you often take rides is it do often go Genting and take rides


never right, [orh] ya ya ya can can you wait till they open the borders lah, okay I think uh eh do we need talk on the five minutes as in twenty minutes we do right I just not ya okay okay okay okay okay


okay okay eh ya uh, !wah! to I don't I don't really hate, anything as a kid eh maybe [orh] hate getting caned [orh], that's all lor ya I don't think, (hmm) no


no no no no no no no I don't cane anyone, no I don't whip anyone no no no no no no as in it's just it's just, I don't really hate anything as a kid lah, it's just I [orh] I know uh what I hate as kid I don't have enough money, not as if not as if now I have money but it's just that I have more money to spend on myself


ah ya correct correct correct correct correct correct, as in we can use it we still can invest in stuff also we can invest together we can talk about it we can talk about investing, so at least you got the capital mah so if you don't have capital then don't talk about investing already mah


I eat already eh okay !huh!, I had home cooked food lor I eat home, cook food as in always standard one what, not nice lah no lah okay lah nice it's not bad not bad as in my my helper cook mah


not my not my dad ya comfort food , actually no eh I I think comfort company lah instead company instead of food lah, I think


comfort food I think no lah I think let's say like after a day of after a day, out at work probably like go eat japanese food, eating japanese food ya japanese food is is good ya I love japanese food


uh I think talk it out to someone lah, I think, I think I'll talk it out to someone, ya I think I will talk it out someone, as in, talking out to someone feels so much better than bottling up inside lah, so I think talking


maybe grab drink uh go for a pint of beer chit chat with friends, buy a pint of beer like, with chips fries ya I'm all good, I think beer is the is the is the, is the is the solution mah, to like chill down with friends then after that like


very chill you know have a good drink then go home [orh] ya, eh ya to you, uh no not very ya I don't think I can drink very well ya, uh no uh <P2>hamli</P2> say you are better


better than me, cause nowadays I'm not very good ya, nowadays I'm not very good , because that night that night when we went out right I we I only drink one pint only, then uh I said I damn tired I damn, bloody tired I just sit on the chair then I just I go and I go and sleep already they were talking talking talking talking I just gonna sleep already


they ya, no that's good now okay so what's your comfort what is your comfort food or okay let's say after , , after one whole long day of work, where do you want to go where what you will do or where you want go don't tell me come back and play computer games know bloody idiot


[orh] ah okay okay okay I understand


ya ya ya ya ya ya I I I know I think I ask a few friends to tell me, is it as in you eat and you eat then you smoke then you shit or you smoke you will feel better right, as in then you drink and you smoke also better right, ah ah


okay we that we maybe that that let's say let's say uh, food or like what would you do like


really meh you don't lah go for run, fuck, walk lah go walk lah go jog drive around lah, drive around lah okay


thank you so much bro you are my indeed bro it's about time time to quit [lah]


finance discussion


okay so, you do you have a personal insurance or not


oh, I I have personal insurance lah like, my insurance is from AIA and is about, life insurance and the critical illness lah so this insurance like it recovers like wherever I get hospitalised than it will cover and fund my


expenses, so I I feel that insurance is, necessary lah ya


like from my from my NS, pay lah, and then from the, job that I work as after NS lor, ya


ah ya long term that one is life insurance, , ya, ah ya lah


can be quite expensive one, ya can be quite expensive, , ya lah true lah okay


then we move on to the second question, so do you have a endowment plan, I also don't have


because I think like endowment plan is like something like investment, then like the, interest rate is very low, then we need to wait for a very long time before you can get back the money ah, so I think is like not needed, this endowment plan


ya ten years twenty years very long one that's why lah, , ya same I also feel the same thing


I think you will get the money back lah, but the, but the earnings is very low the profit is very low, okay


NTUC NTUC income, prudential, uh aviva, ya lah ya lah uh AIA ya


I think I heard is NTUC income, I heard lah ya ya, because is by the government so the pay is like guaranteed lah you you confirm will get the pay back after twenty years


or what, ya lah okay, so let's move on to the third question, so the uh is about


what you will buy insurance for lah, so I, I bought insurance when I travel overseas lah, like because sometimes, sometimes if touch wood then if you go overseas then you lost something then


come back you can claim the insurance mah, no the travel insurance quite, cheap only lah like that time I go japan, uh for one week, then


cost around one hundred dollars, ya sing dollars lah, then that time that time I go japan right, I because I lost my handphone mah


ya then, I lost my handphone then, I, luckily I got buy the insurance mah then, they gave me the money back lor, ya exact point price


ya lah iphone eh, at Johor I think no need lah, like one day only


ya lah,


sad ah that one, ya lah, ya I think car need to buy insurance, cause like in my


my father his car got car insurance, one, like if you get into accident or anything, then the car damage, then, still got insurance to cover, cover the damage lah


, I think it's necessary lah, I think it's necessary ya, like just in case ya lah


uh I think is as not necessary yet lor for now, ya lah, then what do you think is the most important


insurance currently for you lah ya right now


for me right, also life insurance lah, ya so like, so like if, anything touch wood ah, happen to me then, same lor it doesn't like affect my parents, then you


it wouldn't cause a burden to my parents lah, aviva, I think it's a life insurance ya


no I didn't apply for that, that one I think that one useless eh, ya six hundred dollars eh mine is five sixty five sixty


SAF should pay for us ah ya


ya okay, so do you get uh, what do you look out for in an insurance agent


, ya


uh because, because right my auntie is a insurance agent, so I usually always go to her for insurance advice, if not right because sometimes, the insurance agent outside right they keep like asking you to buy more insurance plans from them


then I I feel very frustrated also, ya


irritating lah irritating, uh ya lah, a lot of money eh need to spend a lot of money


ya I also will ask about their family condition then you should maybe should ask about their health history also first lah if they buying like health insurance, uh, ya health problem first


then, their family problems, no lah like, maybe their parents divorce, then maybe they have


they think of like committing suicide all those, ya, okay then next question, uh do you have investment linked policies


if, I I have different opinions from you lah I think, differently from you, like I think that investment can


they can, help us to earn money lah, like very very fast, like personally I also invest in, stocks and bonds lah, is like I feel that


you must set aside a a part of your money, every month to invest, because like, how to say ah uh, like, during this pandemic like a lot of people also lost their jobs what, then


because of this investment even if you lost your jobs, you still got your investment to depend on lah, ah ya lah ya lah


still I still got risk lah, ah, depends on whether you are willing to take a risk or not


uh ya you continue first, why


I feel that whole life whole life in insurance is better lah, because like, it covers the whole life, then if I buy term life insurance right I have to keep renewing like every ten or twenty years, like you have to keep renewing


and then the like the, insurance premium for life insurance is, much cheaper lah than the term life insurance, ya, uh I think is about the same


ya, is just that it's, whole life term life insurance is more troublesome like having to renew it every, ten years like that is more troublesome


uh ya lah, ya lah also troublesome what


uh, I not really sure about this lah but I heard that I heard from my parents, that it is not enough ya is not enough ya, ya lah


uh, I think medishield life is a very good insurance scheme lah to protect us singaporeans from, like the very expensive hospital bills, all those, cause you know hospital bills is very expensive right


negative experiences, okay so what frustrates you


like free loader lah, ya,


just, he just don't like him lah


uh you know last time A levels, all the subjects are very hard what, like a lot of content, so like whenever I, whenever I, did badly for my exams, I feel very sad lor and then like it also like keep frustrating me like how can I do better next time


that time at first I got consider poly before, but then right I


didn't know like which course I want to, go lah ya lah then I heard that then I heard like JC, is like easier to get into, university


ya lah okay, ya lah, ya true


for me right is that uh, uh like last year got one time I, came out of my house right then I saw, someone abusing a cat you know


like that guy just cut off the tail or something, ya, abusing the animals eh then I feel like it's very mean it's very mean


ya because I I don't know where can I get that from ah, ah ya lah ya lah


cannot right, I think he, he got some mental problem or something lah, maybe, ya ya


okay ah for me right, that time I watch uh japanese show japanese show, then because in japan right their culture is like, the men, the status of men right is, higher than the women


so like for example husband and wife right, then for the, husband right the wife must, do everything for him one you know, like need to, need to prepare water for him to shower all that then need to help him take out his clothes all that


I think like is very very unfair lah, like sexual inequality, ya lah, netflix lah netflix ah have to pay


, for me it's like during secondary school like one of my friend they he needs my support, like, because like he need he wanted to, borrow money from me because his, father like got into trouble lah


with like loan shark all those, then like then like uh, that time I also got no money what, and then I ask from my parents then my parents also not willing to help him, ya


ya okay ya okay, ya


okay, so uh I want to talk about an event that made me very angry, ya so like, this day, I will remember this day ah and that guy ah, I'll hate the guy most ah


like you know right, last time during NS like, you need to go outfield all those one, then, like every time before outfield you need to that day you need to do force prep, all those, all the vehicles all those ah ya lah


like then you know I I from signal one mah signaller, then I need to like prepare all those radios all those, then got got one outfield right, like we already like installed


all the antennas all the radios and then, it's like very late at night already then we next day we have to move off early to outfield ah, then we already like, prepared all the signal stuff all the radios all those already, then got


some signals officer, foreign officers he he came in lah, and then he, he like say we installed the, antenna wrongly onto the OUV, then he like make us, take out the antenna again


then you know right, taking out the antenna is like very troublesome already what, then like, I I damn angry ah, that day, ya lah


ya lah, shag eh that one, you can like maybe you can relate to it right, you got ya then the like my


like my BC also never he also never help us to say anything, ya lah


SAF ah SAF lah, ya lah, then I remember that day is like damn tired, like we stood at one AM around one AM then the next day


four AM like that need to, uh three days, shag


then for you eh, for you eh


okay, so I want to describe a time when I hurt, someone's feeling okay, so like during secondary school right I used to have like a, uh female best friend best friend so like


we used to hang out together a lot lah, then, uh got one time, the girl just told me that she liked me ah, she interested in me, then like at that time I I didn't know how to handle this relationship ah


cause I don't have any feelings for her, so I just told her straight that, I don't like her lah, then after that I, I heard from my friends that she cried very badly, after I told her that


I, uh I think like, you know a relationship must have feelings one mah for


for the girl also then like, we shouldn't force it lah, if, I don't have feelings for her, then ya lah


then I think I hurt her feelings so, because I don't know how to handle, this kind of relationship back then lah


uh I will, I will tell her like, in a more like, ya lah slow slowly talk to her lah like not so straightforward lah not so straightforward, ya lor


ya, ya lah then you eh


who is this girl, how you meet her how you met her, [orh] okay lah, oh I know already I know


I don't want to send girls also, I also don't want also, ya lah okay


some ways that I, that I will think about it's like, I, I'm worried that after this COVID nineteen pandemic right, there are fewer jobs after we graduate from school, like fewer jobs available for us


ya, ya lah okay, okay lah


so I will talk about an issue that I feel upset over and I feel the world needs to do more about it, about the racism issue ah, you know like uh ya lah like in the US


not to say the US lah like the whole world right, racism issue it's still an issue, like still happening around the world, ya, like for example the the news that happen in US


the black lives matter, I feel is like damn sad [lah]


positive experiences


uh usually for my birthday right my, parents like don't really give me birthday present, is like instead we go out and go out to the restaurant and eat, for dinner, like that lor ya something like that


then for you, uh got one year, we went to shangri-la hotel to eat buffet, buffet, eh that one damn high class eh


we four person around, uh four hundred dollars lah, four hundred dollars eh, ya ya lah then you eh


you got, you got play brandle meh, oh


!wah! , okay ya lah, your one october lah october


okay so my biggest blessing in disguise right, it's you know that time A levels, at first I, at first I thought I will do badly for it, but after results come out it's still okay lah, ya lah


you went US once


so what is a comfort food that you can always rely on to cheer you up, ya lah


for me is ice cream lor, like I think because like I like how sweet the ice cream is then after that I will feel happy like because the sweetness lah how to say ah the sweetness makes me happy, ah


the cornetto one lah cornetto, ah ah the ah ya, have ya have uh ya nice


ya lah, I always buy from the Mamak shop, the cornetto, like opposite my camp, opposite my camp ya


ya lah


ya creative lah, singaporean flavour


me for me I'm, I love that I'm a very kind person lah, I'm a very friendly person also, (hm), ya I very friendly lah, like I make friends easily


I bond easily with other people


ya lah, you know like some other people like very inner one about some things, ya lah, like very hard to get along ah, ya lah ya lah ya lah


okay, for me I I think it will it will be my father lor, like, people always say a father is a role model for


the son what ya so I, my father teach me a lot of things lor like life values and stuff like that, , ah ya lah ya lah


sacrifice yourself ah ya


so describe a time when you got appreciated for your hard work


I remember I remember, I remember I remember


the WR lah the report


for me right is during during NS like I, always help out with the, unit, with their signal stuff all those you know I signaller right like mounting their radios all those


then I got awarded a, best soldier of the battalion, by my CO, , I forget to tell you ah


not bad right, ya last year lah, last year lah, ya move on to the next question


okay ah my perfect day, last time last time in NS right a perfect day would be to sleep in bunk the whole day, like got nothing to do, like but for now right, for now


a perfect day would be like to have a, cook good breakfast and then you, go for exercise for run outside, then after that you come back and sleep, sleep until ya ya lah


then for you eh


okay next question, uh like what what I said earlier like my A level results I expected it it to be worse, but it turns out to be better lah ya


lucky leh, ya ah


like I remember that time last time GP lesson always sleep in class like the teacher also boring ah, , I forget his name already, I forget his name already , the guy also our form teacher what also our form teacher what


nice okay, uh nicest thing


can't remember lah but I think is good job oh, something like she ya lah, she compliment me, about what I did ya lah then what about you no lah


!wah!, ya lah just brightens up your day lor


uh for me is the day that I receive my, university, uh confirmation ah like they accept me into their university, I feel that my life is complete


at that moment, ya, ya lah ya lah ya


cause uni is a like the most important one lah, ya okay so


okay, for me I think is uh like two or three years back I went, to korea lah, then during that time is winter time so like is snowing, like, but we don't get to see snow ah in singapore so it was my first time seeing snow in


real life, so I feel very excited, to see the snow, so ya I feel that is a very, elsa no lah


elsa is like baby cousin, toy ah, ya she also like she like elsa she like elsa, she like elsa, ya then what about you


so ya for for me right last year I also went to US what with my unit, then november like also, then but for me it's like damn cold ah in winter, like we went we still went outfield no no snow


then we still went outfield like, zero degrees eh the temperature, they SAF got, SAF got give us all the jacket all those lah, like all the winter clothing


ya no sweat lah, then get get to see the live firing what of the artillery, rocket then


no, cause I not not artillery trench what, ya lah then, for R and R we went to eat the mcdonald's lah in in US


you know right the mcdonald's in US right is damn big one eh the portion, of the food, like double the size of singapore, I the


you know got the double cheeseburger right in singapore, beef ah the beef one no, I don't know ah not sure ya


but don't have pork one don't have pork, ah mostly is beef, like you know five dollars right, then the portion is like twice the size of singapore's one


ah then, you know singapore the drink size got until large right, they got ultra large extra large all those, but I I see the people there damn fat ah


ya , have ah subway ah you know subway


ah ah have ah, then you know shake shack like shake shack uh, uh ya I do ah, ya, that one also damn cheap leh damn cheap


cheaper than singapore [lah], ya [lah], (ppb) (ppl), cannot [lah] (ppl) damn expensive [eh]


finance discussion


okay , as of now I don't have yet because like I'm still I mean we are all still like twenty one years old, so because when we talk about insurance like at the back of our minds is like more of to save us from


death or maybe an illness so at this age it's not really uh to me it's not in my at the back of my mind yet lah so that's why I do not have, yet ya what what about you ya


okay, [orh], okay, but like as of now because like we're going to start school soon so how do you support yourself to pay the premiums every month is it is it a monthly thing


ya oh from NS there okay okay I see, [orh] okay, is it uh like for yours is it like, a long term thing or what


[orh] oh okay okay, like for me also I plan to have one lah this insurance but as of now also like uh I don't want to risk my money yet to, you know pay the premium every month when I can you know I can uh


correct correct, then maybe like sometimes uh you know like I need the money for school or what right so you know I don't don't need to stress lah to think about or to pay these premiums and, all ya ya can can


I don't have also same ya same thing it it's also quite costly lah, like for people our age and, then some more we don't have a fixed income yet ah


ya, , correct correct ya, and the policies is quite long term right like some I heard is like ten years twenty five years uh so it's not really


cost efficient lah for me lah for you also right ya but is it is it guaranteed, like, will you get your money back at the end of the, uh long the fixed term, it's confirmed lah


[orh], so low profit means low risk lah, is it ah okay okay, so if endowment plan what are some of, the organisations that offer this thing


okay, prudential uh prudential ah ya I heard that before ya ya, aviva is the one that NS offered us right ah ya ya correct correct where was I oh your one ah the AIA uh ya but if in your opinion which one is the most


the best lah ya, because is it more well known more well known ah is it [orh], the rest not not really good ah


[orh], okay lah okay lah maybe one day if I want to get an insurance I should consider NTUC lah, hor ya, okay what's the third question


oh okay do you get an insurance so, your ya your opinion, oh okay it is it like uh ah


correct correct is it costly, [orh]


, sing dollars lah !wow! okay not bad not bad, at least you feel secure ah when you come back to singapore, ya ya ya


oh ya ya told me before ya correct , !wah! is it the exact phone price or what


!wah! so can buy new phone ah , then uh !wah!, security so then if let's say you go to Johor or what right will you buy insurance, okay ya true lah true lah correct correct


so for me also after hearing what you said I should uh buy an insurance lah you know cause like now also, the times are not is uncertain lah right like I also heard of my one of my friend he went to Paris right is it Paris ya his phone also got stolen and he didn't buy insurance


so he left with nothing lah, ya so there's no return back and, all ya and that's ya lah sad right so that's why insurance is important lah ya then if, you are buying a car leh will you buy insurance


right, but then ah ya ya ya, ah, it's used to


correct correct correct but then for my opinion ah one thing is that you already in, you already put in so much money, in the car, you pay the road tax lah you pay this you pay that the uh oil the petrol oil, so so you think like


getting insurance is like how to say ah is it cost burden or, like you know uh cause is on top, necessary ya ya lah ya lah to be safe ah, true true ya then


what about having children for me it's not important yet lah have to have children then to have insurance ya I mean yes correct uh the baby bonus can cover the children, uh fees and all but then at that point of time is


not really necessary yet lah ya, for your your opinion eh, if you have children ya, ya lah ya lah if cause children are all young age right their all at uh the parents care


so ninety nine percent they are safe lah correct, ya okay okay, for me ah like now, now my life insurance lah


, because ah I'm planning to get, a uh, a class two B motor licence soon, so like I want to use the motor, ride to school and all lah so like you know motor are very vulnerable, very prone to accidents and all


so at least ah let's say ah let's say ah are not, uh something like let's say I accident or what I don't have, to burden my parents to, cover the, uh hospital bills and all this all paid for lah, correct ya so


ya lah people say is better to, avoid than to you know to be involved but then, I really want the motor to ride to school lah to save money, and time ya so, getting a life insurance is important lah to save myself, from the


uh very big uh medical bills and, also like let's say one day I die or what right it's important lah you know to give the money for my parents or, siblings to support themselves one day, ya, then your your opinion eh what's the most important insurance


, life ah okay okay why leh why leh, , ya ya


true true I think, last time at NS what's the insurance that they give us ah the aviva one do you remember uh what what what what what's the is it a life insurance


life one right did you apply for that lah or no why, why ah why ah, , ya ya true that one and then some more our recruit pay is so small correct we must pay for ya and then must pay for transport lah


ya, and okay lah they promise the returns is quite good lah but then once one again in NS ya true your you're prone to accidents and all, but it's not really they should actually pay for us lah correct instead of we pay for them


ya right ya so, but it's okay lah we are all we all ORD already right and then we are safe, so not important lah ya then


for insurance agent ah one thing of course I must what I see ah is the experience of the insurance agent lah if I don't want to, like risk because anything that involves money, is of course, something very crucial in


our life mah, correct at this point of time some more in this pandemic money is very is a very important asset correct so uh like I don't want to, engage myself in a, very uh low experience insurance agent and then will risk me later because of his expertise and all


ya, and then some more probably yes lah his expertise how long he has been in the industry or in the fo- uh in the insurance, uh what's that organisation, uh and of course the branding lah the branding where is he from is he from NTUC


or from aviva, ya of course like what many people, do is they, pick the more popular ones lah or the more trusted like NTUC ones which is a government like what you said the government, uh controlled one lah ya


your opinion eh what what do you look for, when you are engaging in a ya , ah


, correct correct ya ya, ya ya correct, I still remember you got one time I just came back from I just book out lah from, camp, then there's this prudential guy came to me


to he persuaded me to get this uh insurance policy lah can't remember what is it so with my short pay he keep on persuading and persuading to me to get the insurance, ya to the extent that he wants to go to my house to


ya to like you know confirm and all so like from from this from this judgment uh like I don't want a insurance agent that is very how to say ah very fast ah what's the word ah very uh like want to get the job done


ah irritating yes correct correct like I want him to convince me like why should I and don't rush uh don't rush things lah, ya because this is a long term thing eh, if I want one day I go to commit or what is going to have a loss big loss on me, correct correct ya correct ya next question ah


if you're an insurance insurance agent what question should you ask your client, of course, uh I would put myself in their shoes lah like are you willing to pay every month what's ah what's your salary uh what's their requirement or lose lah ya if you eh


if ah ah correct correct, yes correct correct like, maybe their parents or what have any disease or what ah, correct correct


correct correct how many problems like those what like what mental problem ah , [orh] ya lah


ya ya correct correct true also okay okay , investment linked policies I don't have okay so uh I I did some research uh of what is that ah this investment linked policies so I came across this uh DBS website ah


where they say it's to provide double benefits lah of insurance and investments so if personally ah if, I have a chance to, or maybe I came I come across this uh ILP or investment linked policies I wouldn't want to


uh involve myself lah because yes uh this ILP's they have these higher potential returns uh because they directly uh connect with the market right so it's like the returns are not guaranteed I don't want to spend my money on something


where then I know that is not something that I will get confirm in return ya, so I wouldn't want lah, to have this investment linked policies uh and one more thing also when I'm talking about investments I don't personally I don't believe in


or maybe I don't I'm against investments lah , for me ya, because is like you put your money inside there with simple in layman terms you put your money inside, you expect it to grow somehow ya , which I I don't have I don't I don't see any I don't trust it lah cause it's too good to be true


correct ya, uh your opinions leh about it, , ah why leh, correct correct


!wah! so good ah, okay okay


, correct like it's like a buffer lah buffer, right ah true true, but then from what I know is the returns are not guaranteed leh


so who is it still worth it, ah still got risk right ya okay lah maybe , correct correct, and some more is higher returns ah, ya so


can be can can consider lah, ya okay so we move on to the next one ah is, term life insurance or whole life insurance, which one is better for me for me term life lah term life ya okay because ah


when we talk about whole life insurance ah, it's, to cover us until hundred years old which is a very long period, and then at this time also many people died at a very young age so I don't see the


like I don't see I, I would prefer something that is more uh what's that uh more focused like within a period of time maybe ten years which is the term life insurance lah which is more uh more maybe more specific lah than the whole life insurance


ya and it's more complicated lah the whole life insurance , for yours eh for your view eh would you choose term life or, whole life insurance ah


term life insurance what about the returns eh is it higher, about the same ah [orh] okay okay but whole life is hundred years though


[orh], okay lah true also lah hor I must go on I must go back to the agency all to renew and renew ah true also true also, ya can can true true, okay next next question ah do you think CPF insurance is enough for your insurance coverage is it enough


not really sure, not enough ya lah true lah because it's income based right, ya then


what your thoughts on dependent protection scheme medishield life eldershield and medisave for me ah for me ah ya, you go first,


correct correct, correct correct , and some more during this pandemic ah we are very prone, to all this disease lah what virus ah true then medisave


medisave personally for me it's not really useful lah I mean it's useful if you will get one chronic disease, but if you're healthy all the way then it then for what right, you you won't get the money back, ya I mean you will get lah at after age fifty five years


negative experiences, okay


personally for me something that frustrates me ah is, like, for example we're doing a group discussion, like it's called a group discussion for, with a purpose right, then some people didn't cooperate lah some people


you know give excuses to escape, by the end at the end of the day, they will get the most credit for whatever that we have done for the group, when their contribution is like, is like nothing ya so


correct correct free loader which I experience lah during my A levels project work, where there was this guy that, I don't know like he's like those talk cheap guy lah, ya so when I, encounter this experience


it's something that !wah! I'm not looking forward to school, ya, it's like a bit bad experience that, made me uh, see the whole school as a negative experience, ya ya correct correct


for yourself eh what some what something that frustrate you, correct correct


okay but why why, would you choose the JC route when you know that is, going to be like this, why not why not choose the poly route,


okay okay so basically


correct correct, it's a popular opinion lah right, ya so, I think for both of us JC is a miserable experience lah, which is like something I don't want to, to repeat again if can ya true true okay next question


what is the worst thing you've witnessed and kept quiet about, so for me ah one time, uh, I've seen okay I was at the MRT station ah, at the think lobby or what, can't remember


so I there was, this auntie an old auntie an old and and and her daughter, where want to approach the lift lah, the lift, then uh, she the daughter help to push to pull the what's that call ah the trolley ah the market trolley


then when they reached the lift, the daughter just, uh bang the trolley to the mother I think it's an I think that's the mother lah, and I feel so !wah!, like there's no filial piety in that situation, then like you know like I cannot stand it when you're going out with your parents like say me and my mum


like your mum is talking to me and then I play phone to me that's not not respect lah, ya so ya then it's like to me what, anything any issue that lies between the mum on and or parents, with the with the children


it's like to me is a turn of lah is the worst that I think that, I've seen, it outweighs anything else in this in my in, my perspective lah ya so your opinion


oh !wah! cut off the tail okay, ya ya so so ah correct correct but you didn't do anything lah about it


true true, and some more you scared the guy will hurt you or what right, true, !wah! if I I was there cannot sia I see cat Kena abuse ya ya like the cat is so innocent then somehow he


!wah!, true lah, but he shouldn't use the cats as a victim right the cat so innocent, true true ya okay next question, recall a scene from a movie that made you too angry to watch okay this one


I like to watch dramas lah so last time I used to watch uh indonesian drama, so, one thing about indonesian drama is that, the protagonist or the good guy, or the good girl lah, will always remain quiet


whenever the antagonists were uh do something bad to her or him, she will just be as a sponge then he just absorbed absorbed but he didn't, retaliate that kind of thing, like for example I scold vulgar word ah


won't you be like oh like, you will scold me back right like, uh logically but they just accept it accept it like !wah! I feel so, like !wah! cannot ah ya, to me I must returned back whatever they did to me lah, ya


and makes makes my heart like really, boil ah when I see all these things, lah ya, like that they do something bad what what why why wouldn't you, like, respond back or retaliate, ya, then your your one eh how


, oh okay


correct correct , oh like a maid lah ah, !wah! !wah! why why so uh ya


true, I mean all gender should be created the same right should be treated the same ya, what what is it from netflix or what, the movie, oh should recommend me to watch , ya ya okay okay next one


describe a time when you were unable to help someone in need, okay there was one time a friend of mine, he was uh, he, how to say ah he needed money to, I think to, to pay his what ah can't I can't remember what up okay basically he he needs money lah


ya so when he asked me for help, I couldn't uh help him, because I'm also facing financial crises, ya so but feels bad because, it's like a friend of an old friend


which has been with me for many years to through ups and thick and thin, and at that point of time when I've when I realised that I cannot help him right, I feel useless lah as a friend like eh like we are brothers for life for so many years but then


at this stage also you cannot help him, that kind of thing, ya but at that point of time I don't know who to blame lah I can only blame myself, for being useless at that point of time ya so what's yours


okay, [orh] okay okay oh


, ya lah I mean if loan shark is a big amount of money right, involved true true, but it's okay lah I mean at that at this stage


what we just help whatever we can lah, I mean people will understand if we cannot help right like they cannot force us, if we really cannot ya okay , uh ya ya carry on


, okay, , okay


correct preparations all lah , correct correct


ya ya,


!wah!, ya ya correct correct


ya lah I mean you have spent your entire day ah to prepare the signal set and all, then must start back from scratch !wah!, shag bro ya ya, then the next day outfield is it, ya a lot of time also lah


in NS too many already , oh I mean he just keep quiet lah is it [orh], I mean this kind of thing normal right, where we just need to suck thumb lah


about what people say so, !aiya! it's okay lah I mean NS is over already right so, ya true lah it's okay lah I mean it's all over we ORDed already, we move on from life ya okay


ah, !wah! shag how many days outfield ah


!wah! shag shag okay cannot ah, I don't want to repeat NS already, so stressful and so tiring also sorry, for me ah something that made me angry ah, uh


for me personally, whatever things that make me angry I try to forget lah so, unless it's something that really, I bring to my heart ah, other than that I will not like, take it forever lah so whatever happen in NS or what I try to forget


ya and all, ya but there's one thing my greatest fear that, I, till now I still cannot overcome ah is failure lah, one thing like, I strive to be a perfectionist lah in whatever I do I want to be like


like, uh give the the best out of myself, self and all so, whenever things don't go my way I'll often dejected and all and I won't have the mood to even carry on, with other things


ya so I'm trying to learn what like whenever I see other people, like how they happy go lucky with their life like even at my workplace because my workplace a lot of uh old aunties, ah, they're all like really happy go lucky people which I need to learn from them how they do it lah like even though how tired they are


they still go on with their life like there's nothing bothering them ya but for myself whenever I talk about failure is something that !wah! I really cannot overcome till now lah which I hope that I can one day


ya so , when you hurt okay when was it ah,


[orh] okay okay, , !wah! okay


okay okay, okay, okay


!wah!, but why though why why do you reject her is it, not your type or what


not ready yet lah, correct correct, , correct, ya true also lah


like this kind of thing sensitive ah, , oh, ya, okay then if now if now leh if someone confess to you or what will you react the same way or how would how would you handle it


slow talk lah is it ah slow talk ah like don't direct ya don't directly correct correct don't say I don't like you


confirm she will feel !wah! this guy what why sia, that kind of thing ya for me ah when I hurt someone feeling uh okay you know, I've been friends with many guys so naturally guys wouldn't feel hurt when


like when we sarcastic or what right, like example I call you something bad you won't feel hurt because like oh it's like a joke lah that kind of thing correct, but like same thing as for you, like when I say it to a girl, she feel hurt like


okay I call someone fat to a boy ah like !wah! like, we we just take it like as it is lah, uh, but when I say someone to a girl fat ah she will feel !wah! insecure lah what lah that kind of thing okay yes correct I cannot blame her because she is for who she is


I'm the one at fault lah because I didn't watch what I said to her, ya so when I said her fat then after that she, started feeling insecure then she, I don't know like she have low self esteem


and all low self esteem and all and uh that's all lah, sorry oh I met her in school lah, last time in JC ya, ya I think you know right ya


so which to me it's, I will say is petty lah but then again I cannot blame her for who, she is ah so ya lah right, ya is better being single like us now ah


happy go lucky and all okay, next question in a post COVID world what are some of the worries and, anxieties that you face okay for me ah I remember, uh this COVID thing happen right after I ORD


so I, wanted to make some money for myself to support myself lah during the during school in uni lah, but then, like !wah! there's so little jobs available in the market right now, ya so


I remember being turned down many times, uh when I was when I want to apply for, a lot of jobs ya so even this job also ah one of my last few choices lah, ya so, of course one worry was financially lah


because I had three months before I start school mah correct so I don't want to waste my time just like that but rather earn more money lah to support myself, in uni ya other than that uh


not that I can think of lah


correct correct, correct correct, true and then now also it's not easy ah with the economy not doing well and all true true ya, it's okay lah hopefully by next year things go better [;ah]


okay, okay okay what is it, [orh] the black lives matter lah right, ya ya ya


true true, it hasn't been resolved until now ah, ya true also lah but


ya the george floyd, get murdered right ya it's , it's something ya, it's hard to get past lah all this


because it involves a very big group, ya so it's very hard to eradicate lah correct ya, for me also ya same racism is one thing and one thing is also, the global hunger ah like until now


like, countries like yemen all those ah they are like, how to say like they're still facing global hunger and starvation like every single day it hasn't been resolved like I think since ever since the civil war, last time, like until today I always see at instagram people asking for donations and all


which I feel I sympathise them [lah] personally, ya which I hope one day it will end [lah] their sufferings


positive experiences, ya so what's your best birthday present ya,


okay, , okay what's your what's the best restaurant that you have ever eaten, the best ah ah


!wah! okay , okay okay that one how much did you all spend ah


what the so much okay but I mean you enjoyed yourself right true true, for me, my best birthday present ah is got one time I like to sing ah sing song so I can't remember which year was that lah but my basically my father's side the family members ah they bought for me a


organ a a small keyboard lah to play piano ya so I I still I still have it now lah but I still don't know how to play but I just you know don't know but I watch at youtube lah how to play all ya uh so from


what I learn like I learn uh canon in D major I learn winter sonata all those lah ya but it's a one hand one hand, ya ya uh, your birthday is november right ya ya you remember mine or not uh good good good good okay okay


next question what is your biggest blessing in disguise, A level ah, correct correct


ya can go to uni right, ya you going to NTU right uh see you see you but I won't see you lah, okay so, uh ya true lah okay so for mine there's I remember


one time in during O levels I cause you remember this mother tongue O level, that is in june right before that we have a trial test I did quite badly for it so they will stream us accordingly so they stream me to a teacher which I don't really like


ah so when I go to her to the to this teacher ah like she make me love the subject malay subject lah so from then on like !wah! this teacher is like a blessing in disguise lah like in in the first place I thought !wah! I scored badly for my malay trial test


I thought I will get the worst teacher but in fact she's the best teacher that I ever I ever had lah, so because of that I scored A one for my malay also lah ya, okay so next question,


okay so like during NS I always feel sad lah you, know because must stay in all right correct, so I will always bring in maggi and potato chips to cheer me up, ah because these two food


even though they are cheap ah they are not like those #atas atas# food but is the food that bring us together and, it makes me happy lah it makes me forget about, the, not nice not delicious cookhouse food ah so when I go back to bunk I shared with my friends the potato chips and all


to munch on, ya and it cheered me up lah after outfield also confirm I will uh find these two food maggi and, uh what's that potato chips ya you eh


ice cream, cheer you up ah okay okay what brand ah what brand of ice cream you you always eat your favourite lah


cornetto ah the walls lah walls, you got try baskin-robbins before, have ah nice ah that one, ya ya , but expensive lah now nowadays ice cream all !wah! not worth, eh the money Mamak shop oh and the oh eh


Khatib there ah uh ya lah ya lah uh ya lah ya lah true true, then one more thing, like uh for ice cream, it's ya it's nice lah but now got !wah! I got see that one time like they make a lot of flavours ah of ice cream got uh what what's that flavour ah some Cempedak ice cream or what so weird ya but it's very creative lah they you know they uh ya they


infused the asian flavours in on all this ice cream which is a good binding agent lah ya lah true true, ya okay next what do you love most about yourself uh oh okay okay why do you say that


ah you very friendly ah okay okay, ah okay okay true, true actually I also same as you lah, ya


I like to make friends all very friendly, ya even though uh at first awkward and all right but after that can really click like me and you lah click like that, ya, true true ya like ya very how to say ah very elite ah elite


ya cannot lah cannot ya okay next question ah who, in your life do you look up to most and why ya, for you eh who do you look up to


your father okay why leh why leh, correct correct


correct, and then some more a father being a male counterpart to you ah he can share the experience with you, ya correct correct ya, for me also same lah but for me I would see my mother lah as, my role model, ya because last time like in primary school


primary school ah uh primary school we because I was I cannot cope with my PSLE lah I always play play and all right so like I couldn't really study well, so she actually quitted her job her high paying job stood just to monitor me and teach me


how to like to, accompany me lah to study and all, for PSLE ya so, sacrifice correct so that's one, value that I learned from her and I hope that this value, will be instilled in me


and I can return it to other people lah, to help others to sacrifice some of the little things in life, ya uh a bit emo ah okay okay okay next question


appreciated for my hard work ah uh, okay maybe I would say there's one time, during project work A levels ah, I had a hard time lah with my team members ya so one of them


remember ah so there's one time there's this guy, couldn't cooperate with us lah you know , so so what happen, was it left the others to do the job then we even state I think uh uh one week before the submission of what ah the report lah ah WR correct the report we stayed I I and my other


friends stayed up until three AM to complete the references lah the citations all !wah! cannot, so okay lah I didn't get an A for my project what I got a, B but at least , I feel that is appreciated in a way that uh everybody cooperated and I got a grade


where, it's satisfactory for me lah, ya but, I don't see it as a bad experience but rather a good experience even though there's one guy that didn't cooperate but at least it's a learning point for me lah an experience for me


ya what about you eh , during NS okay, oh signaller correct


ya , !wah! !wah! you never tell me leh about it !wah! all got oh okay okay okay not bad not bad okay that one was last year ah is it last year twenty nineteen ah


!wah! power leh, not bad not bad uh, okay okay next question ah, describe your perfect day, describe your perfect day


ya so what's your perfect day, true true okay but why ah ah


true where your day ah , where your day feels very accomplished


ya correct correct okay, for mine also same perfect day where I plan plan plan out everything I, I can fulfil, because I'm a type of person that I like to procrastinate, so I plan I very ambitious ah I plan and plan and plan but I didn't I didn't end up I didn't do it so there's one day that I I think it was before my A levels I plan


and I really really stick to it lah which is like a perfect day if only I stick to it from the every start ya so it's it's okay lah , okay describe a moment when things turn out to be better than expected


ya so is there any such moment for you, ah, okay okay ya matter ah correct correct okay same also I remember for GP ah I only study one topic which is on climate change so I'm betting my luck on that uh on that topic and then the day before also


I like, uh I thinking to retain lah cause like I'm not ready to take my A level, so on that day of the paper !wah! just nice hit the jackpot ah got that question of climate change so I did that question and ya luckily right if not I cannot write anything then I was shocked that I got a B lah for GP


which I thought I got a C or D for GP but I was so thankful that I got a B, ya so it it's like better than what I expected lah that kind of thing ,


ya who uh who was it ah can't remember ah never mind ya forget forget also , not important ya what's his name ah can't remember never mind forget it lah it's okay ah, okay okay


what okay what is the nicest thing someone has ever, told you okay what's the nicest thing, [orh] where you feel appreciated lah ah


true, !wah! your girlfriend ah your girlfriend ah is it, , okay so okay this one is something were I'm not being vain lah ah okay so basically I worked at this factory last


last month, ya so what happened was I was having my break time with my friend lah so I was sitting on the chair and then I, took out my mask to drink water right then there's this auntie that walked past me she's like eh you so handsome ah !wah!


that's the best that is the best but ya lah I mean is rare you know to say someone handsome, so, I'm not being vain lah but !wah! it it just makes me feel good lah you know ya ya


right ya correct correct okay what was the happiest moment in your, life okay what's yours


okay okay, true true okay, ya lah, it's your last like last lap already right, in uni then no more already true true, for me also same lah like every day I will always pray lah that I will


go to uh my, desired university and !wah! like when I get the letter also like !wah! I feel so happy, like it's like nothing can beat that happiness lah ya because like like you know is my last lap already and I get into what I want which is something I don't get last time like in primary school my PSLE I didn't get my my


choice of school secondary school also I didn't get my choice of school JC also I never get my choice of school, but, in the end uni I get my what I wanted lah, which is something that I'm really thankful for, correct correct, where your employers will look for right


in your resume and all okay next question describe , one of the your most memorable travel experiences, okay what's yours


, ya, okay okay


you got you got sit or not you got sit outside or not , , !huh!, your baby ah ya lah the frozen right frozen


, true, ya lah ya lah that one is a good story ah last, time ya okay for me ah okay I don't really like travel, because from young also my parents don't really bring to travel


the the few countries that I've traveled to is like Johor lah KL and, Batam but, when I see when I say the word most memorable lah I will always think about food so oh ya there's one time I went to thailand with my unit, and then the R and R day or the rest and what ah rest and what ah rest and recreation day ah ya we went to the wet market to the uh there I bought this mango sticky rice !wah! is just two dollars and then the mango


is like so much the rice is so !wow! so good lah and just for two dollars where where will you get in singapore right singapore at least the price is like five six dollars, there it's like two dollars and then you can see people all selling all types of stuff at the at the sea the river there is is a nice site lah ya very relax very market site


ya , ah which year which month was that ah which month, ah same lah same lah ah


ya is there snow, no snow , okay , !wah! then how you survive sia like outfield that is


[orh], !wah! !wah!, all the while we know outfield is very hot ah so cold lah Shiok means no sweat lah no sweat ah, !wah! power power


ya did you manage to launch the uh rocket ah whatever never ah did you, [orh] you just see from far lah, okay okay


!wah! how much ah how much, I mean you need to see the people there lah we are we are all small size what right, , ya


is it what beef or what oh not not pork or what lah okay okay is it Halal there is it Halal, no no not sure, okay okay never mind can can


no pork should be Halal lah should be Halal, okay okay, oh then shouldn't be not Halal, ya should be Halal lah , !wah! so good so worth it ah so full lah hor


ya , !wah! what the heck okay okay so much,


!wah! then then you you very slim eh , okay okay, then is there any other, fest fast food franchises there like KFC or what did you see any, have also ah subway [orh] the cookies all have lah [orh] okay okay okay was there


shake shack ah that one at airport right jewel, jewel right ah is it cheap there oh !wah! they charge singapore expensive lah right ya it's not cheap leh singapore, everything here is like !wow! cannot ah ya


(ppl) right, !hais! ya hopefully next time can [lah]


finance-related topic, okay


finance-related topic, okay so, , or maybe you can start first, okay


okay for me myself right maybe a takeaway is that for the last five years it has been rather consistent is, those years before the five years as in just came out to work if I have the financial knowledge earlier I would have start my investment and saving earlier than before and also decide wisely on the


purchase decision on what I want to do with my spending because some uh I'll feel that it's a waste away of money doing things that is not fruitful and it doesn't come to anything it's not building friendship it's just, only spending money unnecessarily which can actually be part of the investment in my portfolio and that but that happens more than five years ago


however to the newbies to the those fresh graduates the earlier you learn about how to handle your own income and also how to apportion your money the better it is, okay


ya pass back to you


for me it's a mixture because I believe that we still need both as in for the financial adviser portion right we have got, someone it it'll be nice to have someone to actually craft out the goals for you to work together to sit together to see what is the long-term goal that you are looking forward and also to actually build a very healthy retirement pictures and also on the apportioning of the emergency funds for different purposes


ya and for the DIY right uh there are downsides to it because if you are looking at term insurance, the age limit it only stops at about sixty five years old compared to getting it from the half advisor that it would last through eighty years old and for but but then again for personal I think it's good to have liquidity on the savings because you


wouldn't want someone to actually forced you on those term insurance even though how much they persuade you so uh the the the bulk and the liquidity the flexibility that you have for personal planning and and you can


spend it at your own discretion you will determine at which point of time it's suitable for whichever purposes, that we're looking at and, at the another portion I think we can do it on our own it's being a retail investor because we could save the agent fees quite a lot as in going through an agent


probably they will they will also deduct a certain amount from you like those trading ETF, they will actually deduct a portion and if you could do things on your own you can determine the the the best moment for you to do the investment I think that portion could be said you don't need to pay for the advisor fees on that


ya that's, that's my take on it


investment-linked plan


ya I will I will totally agree because that time we have a make-believe that by putting aside a part of our money especially in the emerging markets will definitely be getting more returns and what we put in but didn't we uh we didn't know that uh certain charges to it


and and and it's totally not worth the amount


okay


oh okay for me right uh of course everybody is talking about looking into six months of incomes just in case ya, I will, there are some impacts on the job security but for me because I do save however when there's a moment or there's a chance where I need to use the money I will use it and then rebuild my savings again


uh so I I wouldn't say it's fixed but then certainly you save it for certain purpose right so ya uh it'll comes when we need it so what however I I do have a separate bank account for me to put aside a certain amount of money for spending the rest will be for savings


so that amount it will automatically be deducted from my bank to another account at the beginning of the month so are you said to, pay for the credit card bills and also all the minor expenses and the utilities and for sure we each will need a small amount of insurance as an backup saving for future be it the term and or the life insurance which I have


both I'm putting a very nominal amount in each and also for the investment portion I will set, aside, an amount of money which is a fixed amount for me to actually meddle with shares ya


but I'm curious uh how did you spend your money which expenditure is justified or or what are the things like you feel spending too much on


for me I I always try to justify my spending by telling myself it's, totally necessary like for the children enrichment I would say that oh okay it it will be easier for me in future because maybe I will save the time, and the trouble of and the pain of trying to guide them so


it'll be good to have a better headstart and that's how I I agree to myself in spending the amount of money and another is on the professional skill development all these courses it it actually ya it's not cheap those courses are not cheap but then I tell myself I if I could bring some improvement in my life


probably it's worth the amount so ya these are the things but I try to justify for it which I know I might be spending a bit more than what I should be ya


but what are your thoughts on post-COVID world on your spending or on the finances on the expenditures


ya and I I believe a lot of it is beyond our control like the rise in prices because of the limitation on because of the capacity like for now right even for enrichment classes if they reduce the intake surely


the, course fee will go up if they reduce the amount of the visitors numbers to zoo to those theme parks I'm surely the ticket price will go up and and then we also see another problem which is the the lack of contract workers the


the, insufficient amount and also the space that we have to accommodate we have to, give them as in the individual rooms space and the working area so all these comes with a cost and someone will have to pay for it which is the consumer and and I will expect an increase


ya I will expect an increase in all these prices and I believe that it's not about the saving but then maybe to reprioritize the spending decision, ya and and


but in the meantime we learn something because like we can leverage on technology to to actually save money we can we can communicate online so we don't have to waste on the transportation and also uh , actually there's a lot of help like uh with the technology right it's really time-saver so we can do without a lot of things we can do without mates we can we can


do without a lot of additional help because from the internet right if I were to fix my tab, I can actually find information online so I don't have to pay sixty dollar to get someone to my house to actually help me with my tab ya these are the benefits that I can see ya because as especially during circuit breaker you couldn't get help and and this push you to actually find out more information on how to do things on your own


ya which also in a way is savings right penny saved is a penny earned, ya, so to wrap things up what would you say about your financial personal financials


so , I'll I want to share, uh maybe let me share one one thing that most recent that disgusts me is someone in the supermarket which I met, she's being very inconsiderate I think you have seen the video circulating online on someone opening up the egg trays and then changing eggs so what I witnessed was someone opening up the box of grapes


and then switching around I'm not sure what she's choosing but definitely in each pack there will be certain defects, I mean can't be hundred percent good but then she's actually picking and choosing and no one is stopping her for me maybe I don't want to run the risk because if I'm


tell her off what if she turned aggressive and you know in COVID situation you never know who is the a symptomatic carrier but still it disgusts me because at this point all the more we are into, the hygiene of each individual and also each of us will play a part and


for her right I think she will compromise because what if the other person who purchased the grape did not wash and start to eat right away from the box I mean it's still edible and we never know it's just that, I feel very disgusted by it ya


how about yourself is there anything that displease you


I think it's part of a tactic to to to use it as a cover up for herself


maybe she's just finding excuses to redeem herself but at least you could exercise the option as in you have a choice on whether or not to stay onto a job because for me I think what's the worst thing I came across and in my, in my workplace right on previous workplace is the sudden retrenchment during the last economic downturn


because uh I I I'm I'm being asked to be the one to announce the name and to get the person to pack and leave so the the kind of resentment that they have right throwing away their name cards, just give me up everything they had on their desk I mean release let me to the


to to the rubbish bin and and the hatred that day hold within them even though they didn't scream they try their best to remain calm but, but, definitely I can feel the unhappiness within them because it's very sudden and at the point of time where the market is not good


getting out of job is actually a very serious problem to a family especially those who need to who are the sole breadwinner of the family then it will be very terrible for them and with that actually I lost sleep for more than a week


keep thinking running through the whole scene over and over and over again people misunderstand me they thought that I would have, prior information on who are the name on the list but I do not and I don't find a need for me to actually explain because I'm equally hurt by the incident


just by being the one who witness all this happening, the whole emotion is is very terrible is actually weighing a lot on me in my mind and everyday even until now, so now looking at another COVID crisis it actually worries me even though I'm not in the same firm but


we know what companies can do, and now especially a lot of companies they're they're cutting costs, so they are actually some if they're not doing well if their business is not good they might micromanage the staff under the name of


contact tracing safe distancing they can issue employees with risk bank or lanyard to trace their location to know, who they're mixing with where they're they are in in different point of time and the software company they're selling applications to the companies with the promise that they can actually monitor the efficiency of staff but actually


in a way I think it's an invasion of privacy because they will take screenshot occasionally on what the employees doing which are the application that they are on how much time do they spend on email itself how much time on browsing what if you are, you are


entering your bank account then all the information will get leak out I mean for that I will feel that it's a compromising of privacy and they're actually monitoring it, or I would say micromanaging it because they will monitor even to the extent of the key stroke that you make in a computer itself and this is what a lot of companies are selling and moving into so that they can monitor the course closely and also monitor the employees


on what they're doing and for me it just worries me because the anxiety of getting someone looking into what you are doing taking screenshot, watching your every move, the thought itself is not comforting is not I I won't feel comfortable but then again I I can understand because companies are moving toward working from home definitely


they want to know, uh what their employees are doing and to be accounted for each position in the company to a certain extent I can understand but then again I will not be happy to have this software installed in my computer


this is this is part of the part of the technology issues that we will have to face in future ya


what are your thoughts on on that are you will you be willingly accepting the software, or you'll be like me standing in


then again because now I think the a lot of focus is on the healthcare worker on how hard they work but at the same time I do have a negative experience with the healthcare services, but at the same time I feel very helpless because I would relate it to my grandfather that time he was very weak and he need help assistance to go to the washroom


and so each time we will have to trouble the nurses or someone to bring him to the toilet and to save the trouble right they just sedate him so that, it's easier just putting a catheter so he don't need to walk and over time he get weaker and weaker and eventually he cannot stand up anymore there are fighting war I understand but then at the same time


uh they do have their limits and we all also have our the limits because for myself right I can point it out but then what can I do I did nothing I I couldn't I couldn't be there for him at every point of time helping him and we all have to agree to the decision that they made


and, I feel that is very unfortunate


but I defer to think that sending them to private hospital would make a difference in the, care, given because I don't think they will assign someone to actually fully pay attention on every needs of the patient


I guess it's the capacity that we have in singapore so even


positive experience


so uh maybe let me share about my positive experience I feel very lucky to be born in this current era and especially like right now uh, , having a baby in this era as well because uh, I find that everything is actually so convenient for me throughout the pregnancy process I got all the information I need then I get invites to the seminar


to listen to learn about how to take care of the children what to go about with the confinement the whole process has been actually mapped out for me so I know what to expect , if I were to think back my mother's time she wouldn't have all this information ready and anything that I need I can search from the internet we have internet so ya I found myself very lucky and also


on the confinement process right right now it's so convenient I keep telling people that I feel very lucky to be in this current time, where uh we have think up delivery so you don't have to cook you don't have to engage anyone to prepare anything they will just deliver and hang it at your doorstep and also ya I love confinement herbs so ya it tastes very well and


for me right uh because they also do have this uh TCM we believe in TCM but in the past it's horrible you have to bring the herbs home and then have to keep it boiling for hours, and now it's so convenient packed that you know they came in satchet powder form you just add in hot drinks and then you can drink and another is the pill so


the TCM physician right will actually come into your ward to take pulses for you it's it's really ya all in one month stop service for you so they send the drinks to you send the herbs herbal pack for you and, another another pain is the confinement shower you know you have to boil the herbs as well


for the shower but right now they have this, convenient pack where you just need to you need to put it in the pot for three minutes and that's it, another is some the facility, yaoh I'll feel myself being very lucky and and for now right even the infrastructure is there we got all the equipments the medical equipments where


they can monitor your health to make sure that you're in the right status so uh the death rate is definitely much lower than before and on the, on the country itself the infrastructure is there so is everywhere is stroller friendly you will see lift you'll see slope instead of in the past you have to carry the pram and walk up the steps now you don't need to worry about all these anymore


we have also got the internet of information where you can find a lot of things and you can join the WhatsApp group the mummy group on Facebook group to find out information to do discussion, and, also another is the support group from the hospital itself they actually monitor every milestone of the children unlike in the past


and another thing another secret is that that I find that we are very lucky is because of the Carousell apps where you don't have to as in you don't have to worry about buying equipment for the kids because you can actually sell it resell it


or you can pickup , bargains from the apps itself this is what I feel that ya I'm in the time where everything is so convenient for me, and how about yourself


ya it's actually the building blocks of happiness that that uh comes up to be the whole, experience ya and uh I'll totally agree that ya we got all the technology and we didn't know that we have been building ourselves for it like we got all the, PCR QPCR machine that can detect the DNA of the virus and singapore actually has a lot of such equipments and current at current time suddenly is every every equipment has been used up and has been put into good use and we're still making for the world to save


for these purposes I I'm I'm very grateful that for us to be in singapore where, a lot of thing has been planned for and provided for and also the vision of our leaders they actually see very far beyond myself, beyond what I can comprehend like people were talking about the mask


then uh I I wouldn't I wouldn't have thought of the mask the surge in prices or why not implementing everyone wearing and then they they they actually bring through the whole process thought, on on the prices and everything before they come to a decision on when and where they should start implementing the mask wearing and another is touching on the technology development context


what amazes me is actually, uh I mean I'm I'm coming out of this topic but then it's still a very positive experience for me what amazes me is the home automation , the current technologies enable us like uh Alexa and also Google they actually can connect all the system in your house wirelessly so through the voice recognition right you can build a smart home uh


getting your ceiling fan on, closing the door turning on the aircon then even to vacuum the floor with the iRobot, or play music getting information ya


I think it will scare them if they suddenly just the the equipment just move on it's on just on and


so never need to remember password


but I think the whole experience up you can you can slowly bring in all the all the devices because , all the devices has to be technological ready for this change and, it brings me to the second point why it amazes me because I think china is really amazing they make it so convenient that you don't need to be an IT expert you don't need an electrician to actually help you build this in you can you can do everything on your own and I managed to set up the whole CCTV system and also my door lock


using Xiaomi application and it can also connect to the water boiler then you connect connect to all the equipment even I haven't had the whole suite of it but I'm amaze and and talking about the door the the door viewer


it can double up as a karaoke system because the screen itself right not only can show the face of who's coming it send alert to my phone if someone is near the door and ya it can double up as a karaoke singer so


it it works totally just like what you see in a KTV so so you have all the lyrics then you have, very good sound system to a company it's just that maybe the screen is much smaller ya but still the overall experience is very good as in the technology that that it brings us is


amazing and I'm looking forward towards five G where everything will go even faster than before, ya another another will be the google assistant google assistant you know now right you need someone to schedule appointment for you for an haircut appointment anything you just shout to the google assistant and it can actually find a slot for you do the calling for you


and also the speaking for you and, the other party wouldn't even know who's the other is it a real person over the other line ya, this is all the development that, really amazes me and we wouldn't have all these


if you are talking about ten twenty years ago, ya


and and for someone who love music as in my favorite activity is actually listening to music ya this will actually be my the source of happiness as in it can really raise my frequency and also regulate my emotion throughout the day


can can you hear me I can hear you, we're saying but but I couldn't hear #ming hui# so I may need her to ya on her


ya <P2>chai ming hui</P2> yes okay so


sorry I I I I couldn't hear you after the part on google assistant finding information uh I after that I I I didn't quite catch what you're saying


so what are the dishes that you you think you are proud of showing


oh


oh ya ya the web cam but the the other computer could it be, screen, !hey! #ming hui# sorry ya I can hear you now


yes it is


ya sure, okay so err just now we, we're talking about we're talking about cooking and also uh your the the dish that you you feel proud of


the dishes


okay, okay


okay I'm I'm still I'll I'll be still be working from home this month but next month I'm not sure just that uh actually for the food itself right uh, I think for me the proudest moment would would have been that because all along I thought that my weekend is more busy than weekdays uh with my kids uh


they they are calling for my attention as in I couldn't even sit properly for my coffee or anything so I thought my weekend is worse than weekdays until the whole situation rise when, my, it seems like my weekend and weekdays are both mix together combine into a single day and running everything at a time and I didn't know the


the the efficiency and the time saving that I could actually bring it incorporate into my daily life which is totally amazing for me right uh I I'm making use of my air fryer and steamer mainly so that I can watch the time of my cooking I


I think so long as it's edible it should be fine then ya taking into account the nutrition maybe to have a variety of food but then at, at a control timing and that will be great ya so this is what I feel proud of for myself because people would've think that ya for three kids you definitely need a maid need someone but for me I think I still managing or I'm still on top of it


ya and so, uh, you mean you mean I'm the only one


oh okay


for me I think the whole block of, the experience especially the positive one will be these skills that I built, over time because each time when there's something learn to new each day wear something fresh something different happening then it just marks the day and it's very


rewarding oh and fulfilling to overcome all the challenges then you you feel that you're on top of things but, at the moment when you thought that you are on top of it another new challenges arise and and it's like playing a RPG game where each day you know you do not know what to expect but then equally it's very fulfilling


and how about yourself


finance discussions


okay okay okay finance related topic okay, you want so I do I start first or you want to start first, I start first ah


so we just probably we just uh go through the questions like after I finish my first question then I pass it back to you to continue them we just go with the flow lah okay, so the number one question will be uh what's the one financial advice that


you will give to you five years ago so personally for me right I think my one financial advice that has been very consistent throughout the years and even till now which I'm trying very hard to keep up with would be trying to splurge less and save more


so for me I have these addiction to I would say games so I tend to top up quite a fair bit for my online games so I really hope that I can splurge less on that and try to save more on my income so because I'm thinking if I can


sort of like don't splurge so much on topping up for games I can probably save a few hundreds more per month that's for me so over to you please


okay so the correct second thing will be should I DIY or get a financial adviser to plan my finances, okay personally for me I as you know right I'm I'm not a very DIY person in terms of you know planting plants or you know drawing things really I hate to do DIY so for finances I were for myself I will actually get a financial adviser


to plan my finances so if but the thing is I know we have one common friend who actually believe very much in handling her finances by herself what I know was, she actually went to you know Google all those things that she needs to to know and end up I know she purchased different insurance uh and financial products from different financial institutions so I think that's very good if you are a very hands-on person and you you really


you know you you can invest your time in searching for all those information but for me uh I'm a I'm quite hands off so other than having just one savings account for myself, the the rest of my financial products I just actually go to one agent in for in one financial institution and


she is she's quite trusted lah because she's my friends insurance agent for the past like thirty thirty years plus from her parents era until our era so she will help me to take care of my , financial finances so seventy five percent is on her and twenty five percent is on myself in terms of planning my finances but then if you are a very hands on person so ya I would say that please go ahead and do a DIY ya so that's all I have to say back to you thank you


ya yes yes yes yes totally agree,


ya I would like to add on ah before we actually just go out to look for a financial advisor which which is what I I did it I would like to say that uh please at least I mean even for such a lazy person like me I will still do some research on, the the the product that I I'm


purchasing cause there was once a time that I remember I bought these insurance I really cannot remember what what's the name of the insurance lah but after, ya the investment-linked the one that we brought together so, so after a good like eight years I I wanted to check like what are the uh returns that I have because I remember where we purchase it when back then when we were uh younger we were been told that oh after a certain years right you you were even though you won't earn


you you won't earn lah you won't earn returns but at least you will break even so I was under the I was under the the idea that uh probably after eight years right, I would have break even lah I I don't want to look at you know I don't want to look at maybe I have returns or what but at least give me a break even so after eight years as I went back to revisit my insurance


uh plan and I realize that !hey! how come, I don't I'm I'm still you know suffering a loss of like I think a few hundreds rather than break even that was when I realised eh actually and I did uh a a bit of a fair bit of research on investment-linked insurance I realise that eh actually we shouldn't


purchase it back then because this is one insurance that many people if you do some research online they won't actually advise us on getting because, if you want to see a break even or returns right you you either won't won't see it or you will have to wait many many many many years I don't know when until donkey years


and you will see it so I think if there's any person who who actually, call me and say eh I want to , I buy the investment-linked insurance right I will tell them no lah from my personal experience please please please don't get it you can go and look for other insurance but not the investment-linked insurance that's my take on ya


you know


ya it's like eight eight years down the road I don't know what I'm I was paying for but okay lah at least I I got back I mean at least, I didn't lost a lot uh I think it's around few hundreds to one K but there's a there's a lesson to me so ya no no investment linked insurance please for anybody that comes to me so uh other insurance are fine go and do your homework


okay so okay let's move on to number three how do you manage your cash flow and how much of your, income is allocated to savings expenses and uh insurance investment uh do you want to answer this first


ah , ah okay


okay so for for me right how do I manage my cash flow I'm I have to admit I'm not very good at managing my cash flow because I think ever since eons years ago when I started working right because I need to


sort of like pay for the whole household expenses my parents are not working, so I find it very very hard for me to save, but what I did now now for for a few years ago was the first thing when I get my salary was I will go and check my bank account to see that okay salary is in right so the second thing that I do is I go and open up my AXS application on my iPhone that is to pay off all my bills


my uh my phone bills my landline bills, and my uh insurance, uh and what else is there conservancy charges because , I don't really use GIRO so I rely on myself when I do my payment so after I pay off all my so-called debts right not exactly debts lah but my bills


I will move on to uh allocate a certain amount of money as my pocket money my spending money for the months to one spending account, so the balance will all goes into my uh spend savings account ya so I have a spending account and I have a savings account so spending accounts I will just advocate a portion of


my pocket money go there and they will cover my transport expenses and whatever insurance that I have fire GIRO and the other one the savings account will be one that I seldom touch I will probably touch it once a month that was when I transfer money over and I will go in and check so


to see that oh okay the money has been successfully transfer in case I actually made the wrong transfer, to another person so that's that's how I actually manage my cash flow because, I really don't have a lot of cash to manage lah so it's quite easy for me to manage my cash


which expenditure, I there's only one thing that I cannot justify and I've been talking about this since the beginning of the conversation quite shameful lah quite embarrassed it will be uh the money that I spend on my online games


cause you see I'm playing these chinese online game ah that involve a lot of top-up I really feel that the game master is out to chop us carrot lah as in everything is money okay you want to upgrade your equipment you want to upgrade your clothes even you want to give birth to a child


they make it so real that you know spending money on a child is like spending money on your real child in life so that's the only thing that I feel is unjustified, other than that other expenses I feel are quite justifiable lah like for me will be on food groceries those are the things that we need more like normally need in a household so that's about oh ya and my mom medical bills the the ones that I need to pay for her


I think it's fine lah to spend on kids right I I mean if I have children I will also spend on them to to groom them for a better future so this is to me entirely justifiable I mean unlike that I spend on my kids in game right ya


I was it's a game back to my uh first answer that would be to splurge less and save more and if we can probably we should look out for some courses to upgrade our skills that because you never know I mean I I never know when I will


become jobless or because my job now is actually as a is a contract job so it were the the the the contract will actually ends on let me think ah it will actually ends on either january or february next year so for me there is some uncertainties


so I would like to take the opportunity now from now until the end of my contract to save more and because I'm actually working from home and most likely I will work from home until october, I will think that I will have more time to save if because if I stay at home I don't go out right I don't spend on transport I don't spend on entertainment so all these money can be saved up


just in case lah you have no choice I also don't want it to happen but I will never know that's my idea but definitely we really need to be more conscious cautious on on our spending now ya especially in this current environment ya that's my take on this


ya yes that's true


actually hor back to home based learning ah for the children ya you saying


I would say for myself right my personal financial now is uh, not very healthy and eh did I tell you that actually I just got a pay reduction, from my company so initially it was quite okay because I change I change the job in february this year so the increment was uh quite healthy but the thing is we all know the industry that I'm in suffer


quite a fair bit of a hit in, in this COVID-nineteen environment so I I eh so the reduction that I get was actually far more than the increment that I actually receive, back in february so uh my plan was was a bit how would I say ah my plan was a bit uh disrupted because of the pay reduction


so I'm still trying to get back to my feet on how to, uh reallocate my spending and how to better manage my finances because like what you say you see ah the all the all the expenses are going up because definitely even for daily groceries


even for eggs lah I will just say for eggs for a simple thing like eggs right we we have, we have to pay sometimes you have to pay slightly more slightly higher but the thing is my my income has just been reduced so I I'm just trying to uh, see how I can reallocate my finances and make it more healthy for for now for myself


yes


(mm)


negative experiences


I will think the most negative experience in my life, again you know about it lah you have been with me through, through that experience I will, okay I will touch on my , resignation from my last job, and, and it was


it started off quite positive I was , actually hired by this manager she was, really very nice to me in my first year in the company but things started to change after one year I won't go into details the details you know but I won't say it out here what happened but it was it gotten to a


point where it was so bad that I decided , I want to resign even though I I remember you telling me try to hold my horses and not to, just you know go with my feelings but I in the end I still decided to to tender from my job I was actually hoping that the process


it's good as in I I don't want to say anything more I just want to you know tender my resignation letter to my boss not the manager (ppc) but to the manager boss and, and, go on with life serve my notice and, pack my things and just leave the company


but what, was very traumatizing to me, I mean other than the treatment that, she give to me, all the things that she said to me, I I think what was most memorable was how I already express my


decision not to, really communicate with her because I I told my boss, she is the reason why I am leaving this company why I am leaving this job, so , I I don't want to have any more


discussion or any more communication with this manager other than work work is fine, but but the thing is they tried very hard, to make me sit down with the said manager to have a conversation which I already know that it is going nowhere


because there is no reason a person can turnover a new leaf within a few days or two weeks, so I told my boss that I really do not want to talk with this manager and my boss actually told me okay you can choose not to talk with her uh where even if this manager approach you so I thought that okay so the decision lies on me right if I don't want to talk means case closed


but what this manager did was uh we have this open, concept in a company, so she was standing in the middle of the room which my company is quite small there's only twenty plus people so she was standing in the middle of the uh of of the office


asking to talk to me so I very nicely tell her told her that I really have no desire to, talk with her because I feel at, back then I was at the, I was at actually at the verge of breaking down so I I don't know what else I can't take in anymore so I really don't want don't want to talk to her but she stand there and


forced me to go into meeting room with her, so I have no choice but to stand up and walk into a meeting room with her because all my colleagues were basically staring at us I mean they tried not to stare but I know, people were thinking eh so so what's going on what happen nowadays, so I thought okay fine I'll go into meeting room


then again she she walked into a pantry the the room again I have to say it's very small every every rooms are connected to each other so she actually shouted to my boss, uh not not shouted lah she raised her voice and she say uh can you come into the meeting with us #ming hui# don't want to talk


and I was like oh my god first you force me to go in meeting room with you second you basically again broadcasts with whole world that uh the fault lies in me I don't want I have no desire to communicate with you, but the thing is I don't understand how this person can manage to twist her her words lah into this


this situation so never mind I went in, into the meeting room with her, and I didn't say anything I told you before the moment I, sit down I swear, less than, six seconds okay less than six seconds but this manager started crying


she cried until, so badly that I was thinking will you faint from crying so she started crying and and say that she didn't know, uh I have these feelings towards her she wasn't she started by saying she wasn't , biased or unfair and she said that she lose


sleep over my resignation because I told my boss, I basically I decided to tender because of her but the thing is I was like you lose sleep do do you know that for the past few months right I was so traumatised by you that I couldn't sleep well


and, there are a lot of things that she say, so so I didn't say anything because deep in my heart I was so numb at that point of time that I couldn't even, say anything so at the end of the at the end of her conversation of a one sided conversation she said


she said to me and I still remember until now she said I hope you can go out to clarify to your colleagues what you said about me, and I was like in my heart I was like uh so what did I said about you I I really didn't say anything about you and everything that you she did to me was quite visible to people who


have eyes to see, and I was like okay I I don't know what she wants me to clarify, and after that she say I hope that uh you will forgive me and I was like so are you forcing me to go into a room to listen to what you have to say actually what she say wasn't


like, she she don't sound to me like she's, sorry for what she did to me she just sorry for herself but not sorry for me, so she's she basically want to force me to say I forgive you I forgive her but I was, really really very upset