from what I can remember this were the, heartbreaking moments in my life yes, compared to relationship I think is not uh cannot be compared lah actually, ya I never I never compare I've


I might have hurt my friend's feeling by, uh, rude using wrong choice of words like, okay at the point of time, uh he didn't have a job and I offered to help and chose wrong uh wrong words to use


instead of like I I don't mind helping you instead of saying that I used, I said that you got no money what never mind lah let me pay ah, that's what I said ah and I felt that that was, very bad because I maybe maybe I got too comfortable with him that's why I didn't know


how to, how to put in words for like, how to say nicely in nice in nicer term, I think that might have hurt his feeling, but he, no I mean like small times lah, so okay for me


I might have hurt people's feeling, by using wrong choice of words, and, by not controlling my emotions, so ya how about you


[orh]


ya true I agree with you


do you think emotions plays a part, about hurting emotions do you think emotions plays a part, of, for you for you uh in hurting someone's feeling


, from what I see see you I noticed that I thought you were someone who can control, of his emotions, that's the impression you get that I get


have you take your phone how to say ah oh ya ya correct correct


it's like ya something like that ah, uh, okay ya the person wish I was dead ah, ya ya, I think I


is there lah is is there but not all the time he maybe during poly can you just go die something like that ya anger all of anger and just


ya I mean like okay I understand people out of anger out of unable to control emotions they will just, I mean like uh spell out words you know like what I mentioned about me I cannot control my emotions and when I angry I just like scold off, hurt people feeling so likewise it happen to me


we we had argument then after that say I wish you were dead, you you are useless in like in in is in I mean you are useless you don't need to live something like that , so , I in that saying is forgive and forget


it's very easy to forgive, but it, it's not it's almost impossible to forget do you agree with me, do you agree ya ya, memories being ya betrayed okay uh


I have this friend very close friend, uh, borrowed a huge sum of my savings to him, and, when I ask him for the money he, uh don't respond to me as per normal like, he is keep disappearing


and ya, I felt betrayed because you know when you help someone I don't expect anything in return just that I'm borrowing you money just pass me back money at least, uh


no that's illegal actually, right, if I'm not wrong is illegal charging interest it's just borrowing I mean it's only friend why would I wanna charge interest, right ya, so ya when when I ask him for the money like when I, when I ask him for money I will ask when I'm in need


so, you either respond to me like how I responded to you immediately or, , is the respect ah, you know what I mean ya so ya how about yours betray ya ya ya ya oh


ya


okay for the next point right the saddest moment in my life actually, uh no no no saddest moment, is different because saddest moment, okay for recent I tend to forget my saddest moment a lot I mean like


I cannot remember now but, one of the saddest moment I had was, my recent trip, wanted to achieve a lot, like I had a lot of itinerary in mind, more itineraries than just to go Krabi and come back so I couldn't achieve


my , itinerary like what what I plan to do, I couldn't achieve that because of this COVID, so, ya I was a bit sad about it when I return back, ya, how about you saddest moment


ya correct, no it ya it depends on where where you bring your emotion to


you understand ya (hmm)


can you tell me what's the popular trend that you don't dislike, like yes what


for me is the, I would say I would say tiktok kay to be honest I find it a bit abnormal, of trends coming up in tiktok


ya ya , the trend there there'll be trends ah I mean in tiktok you can see few


like , educational like uh you can watch humour I mean like funny videos also there'll be funny videos, there'd be like creative videos like DIY, that kind but then there'll be trends also like people like certain dance move


ya I find it abnormal ya don't like one ya can ya okay okay understand (ppc) okay from what


uh we have seen right about me do you think, I've given up in anything I gave up ya so


basically I from what I have noticed by myself I it's very hard for, for me to give up because no matter what challenges I go through I will find a motivation, yes so, for me I will try my best my level best to find motivation to prevent myself from giving up


ya, there's a solution I I suggest you should, try that also so that you won't, give up like what I mentioned just now, you know, what what's the worst thing you've witness and kept quiet about like for example, you saw someone getting murdered and


you kept quiet about it


oh never mind it's okay, , oh


how old were you then maybe is okay


positive experience, okay, so <P2>ismail</P2> what are the small things that always make you smile, oh okay alright ah okay girlfriend do you have a girlfriend nice


mine obviously money, ya, ya uh yours is money second mine is money first, so for money if I get money I can give my family money then, they will be happy about it, because we can spend together


so , okay for for life I'm living right now, money is important, imagine you have, phone bills to pay and you have money to pay, is good right feels good imagine you don't have money


and feels bad so ya, what are the sacrifices you've made, that worth everything yeah I think


it's about the same but now, for sacrifice I made, I find that the current job my company, gives enough just enough for me to, be happy about it so


I had to go through training also, for, five six months and the time, that I sacrifice to go through the training and in the end I got a job, I when I passed through


so that's worth time time time ya


okay for example these six months I never go through, I never waste my I mean I never spend my time going through these six months, do you think I'll be what training ah ya ya


ya you understand you understand right what I'm going at, ya want me to share with mine okay ya


okay ah I just carry on, ya ya ya that was what I was thinking about, ya have you watched, have you watched all the six seasons, I'm pretty sure you haven't for what you mentioned earlier I mean


you haven't watch all the six seasons right, uh okay okay oh is it correct I agree with you


actually actually is insulting but then, okay ya depends on what we find it funny ah, for example, I mean for some people they find it sensitive but, okay people like us find it funny because, you know it it's meant to be a joke so we accept it


basically he wasn't from college uh I mean like from his hometown how he moved in, ya, it was a good show lah I mean like, the storyline is that not there but it's quite entertaining, uh every time I watch without failure every episode I watch I will smile, so uh oh no no uh


oh those are not as funny as fresh prince of bel-air who introduce the show to you, [orh] fresh prince of bel-air is it, oh cool cool ya ya of course I mean


uh it's quite, season five ya we waiting for we are we are wait waiting for season five now, ya you I, I you don't seem familiar with the show itself


good, okay uh from what I understand we shouldn't really have any less I mean common things my best friend because things might change for example my friend


I used to be with my friend uh every like almost every time when we meet we will play like uh online game, FPS game ah which is pubg are you familiar with that, yes pubg mobile ya correct


then, we hang out together just to play that game, like uh over the night we have been like as, spend really good times like very solid times like uh ten to six ten ten PM to six AM, for example lah so


after a certain time he lost interest in the game and went to, mobile legends, at at the start actually didn't like the he didn't like the sound of the game, the name the game lah ya I mean okay


ya ya you just go ahead , yes correct I agree no (ppc) okay ya


you asking me or you are going to answer for that, one place I would like to visit is , one place actually nothing in mind ya [orh]


for for a moment I thought you were going to say seven wonders in the world, oh !wow! oh [orh] #insya allah# ya all all the best answering ya


I'm grateful for having a roof above my head, yes , grateful for having parents by my side, always supporting me giving good words giving me motivation, and grateful for having an income ya how about you health and wealth oh oh I see7


partner no I'm not I mean my best friend lah, uh, he is always like, easy going even though, he is angry about somethings he won't show it he will be nice about it, he's a bit soft ya third one


ya he whenever he, needs advice he will approach me, because that shows that he he finds me really wise in, advising, therefore ya he looks up to me that's what I admire about him


are you kidding me , , no you answer about the three things you admire about your friend


you answer that first oh I said oh okay ya ya ya okay


uh I would like to answer the I mean ask about the favourite activity to unwind and relax would you like to answer, ya (mmhmm) oh okay ya


when I okay my favourite activity to unwind and relax is riding, ya riding riding to long like far, places far and nice places , get to to share my experience and get to go to Thailand on road


it was really good experience I saw very like nice scenarios nice scenery, I went to Krabi, ya actually I wanted to go further but due to this pandemic I had to return back because Malaysia got lock down that day, quite quite unfortunate about that ya


for now if I'm stressed or what I'll just head to I I'm staying in the west so I will head to east, to east coast park sorry ya uh


circuit breaker since we are not allowed to, go out uh, we'll just I'll just play games, watch movies, I mean there's there's no no more stress during circuit breaker, actually, do you do you realise that were you stressed about


the circuit breaker !oho! [ho] ya, quite quite quite stressful year


this this kind of time laugh too hard, oh quite


that was quite insensitive


but nothing is in my mind right now, I remember laughing hard for, few jokes my friend make, and I also yeah no cannot proudest moment uh


okay at the start of my NS after I post out, I messed up in a lot of things, then when I was about to ORD, okay at at the start I was messed up to in I messed up a lot of things to the extent that people use me as an example for good bad bad things don't be like this guy


then when I ORD, my higher ups use me as an example, how to become like me, apparently ya that is my proudest moment like even though it's not like, I never get any award or what for it, I feel I felt very proud when my


my supervisor use me as an example, like how I prove them prove to them that, they are wrong, and how I put to them that how useful I can be, yes !wow!


that that was insensitive, you you got a job alright already finishing ya okay lah ya I just said what


I was appreciated for my hard work by being used as an example and also I got an small, award , with a twenty dollars capitamall voucher which I forgot to use and it expired


ya ya ya correct monthly, among we got three shifts among three shifts ya we they will choose one every month


yup do you do hard work oh understand understand most memorable ya ya ya ya ya


the one I went on a five day trip, just to touch the border of the first ever trip, , okay it's memorable because I went alone, I survived the trip, and it's also memorial because I went to the places I went I wanted to go to like for example the #genting highlands# you know how high it is right ya


#genting highland# #cameron highland# had a beautiful scenery yes yes, and finally touched the border I felt proud about it but when I return back uh felt like having more is like drug you know


ya ya it's not not satisfied is like drugs like satisfying but you want more


I don't remember asking you about it uh ya,


ya train for nothing,


uh ya ya ya


(mm) okay okay thank you thank you


finance, so so actually do you want to start first or do you want me to go ahead


okay so I've been looking through the questionS actually but then uh to be honest I don't have insurance so I did a a simple research, about uh what are the available insurance companies there are, like uh there are many type of insurance I understand like uh for your overall coverage on wealth accumulation comprehensive coverage like manulife aviva axa NTUC income but uh the only insurance company that I know during my NS time was aviva I think


and that also I don't know anything towards finance but I know there were a lot of health benefits and, accident you can make accident claims from there do you know what I mean


[orh] it's a savings plan is it oh okay, uh not not that sure actually not is is is it something like a savings is like you save the amount you deposit let's say a specific amount let's say two hundred dollars


for the upcoming fifteen years and then uh they will give you like zero point one percent interest and at the end of the fifteenth year you are able to accumulate the amount and withdraw back whereas investment are depends on uh, the company's that year that year's uh GDP is it is it ya I don't know what's the word call


you know uh I came across one of these questions whereby they said do you have an endowment plan do you have any idea what's endowment, so previously uh I was googling about this stuff like what is endowment policy and stuff so basically what they said was it's like a life insurance contract uh designated to pay you a lump sum after a specific term of death


on death lah basically so I don't know whether once I I was hoping that maybe you could get uh enlighten me with that if you understood like is it after we pass away then somebody gets that amount or or, or we have to die in a specific way like in a accident in a car crash or in the workplace accident so that our family will get that kind of money


no no I don't think it's committing suicide I think I think it's a type of accident or something like that


oh ya travel insurance ya from which which company do you buy it from


okay


ya correct, so anyway it's uh just before this uh before I got to know about this discussion I never really uh how to say give much thoughts about uh insurance and stuff


so now that I'm talking about it I realise that actually I'm pretty left out about the topics like uh, cause all along only my father is planning about these kind of insurance topics like uh what needs to be done what needs to be bought for the family which coverage and stuff, so honestly if I were to get one for myself right as one of the questions was stating like uh would you would you lookout when buying for insurance policy or would you do it yourself or do you look out for insurance agent I think some some what the questions was like that


uh I would prefer finding a insurance agent to guide me, properly you know what I mean


but what is the insurance company name do you know like, SCDF coverage is it [orh] oh okay


okay understand anyways, uh okay let's say let let's try this let's say if you are the insurance agent and I'm the guy who's coming to look forward to buy from you uh do you have any questions in mind maybe you have experienced talking to insurance agent so maybe you can try asking me


[orh] you have to pay a monthly


you know there's a question here do you think CPF insurance coverage is enough for your insurance coverage I honestly was thinking that that is more than enough usually you know what I mean cause, cause I'm to my understanding I'm pretty sure uh the older generation like maybe like my father's generation or slightly older than them they they are not the type that they will go outside to to buy their own personal insurance I think they will depend on their this kind of dependent protection scheme medishield life


you know that kind of schemes on your medisave I don't think so they will take like a private uh scheme from axa or, (mmhmm)


but some people would be a bit sceptical about this I feel, I mean I would be sceptical about it ya I've always been sceptical about this you know what I mean, so anyways since you said sorry


the thing is that uh I just join a new workplace so I'm not pretty sure about their insurance coverage yet, but I'm pretty sure that uh they should they should have they should have but then uh I will have to look into it anyway since you said that you are buying the you have already purchased investment plan right investment insurance right oh but you were looking into right


so uh how would you advise me on how much uh of your income right let's say if it's like two thousand dollars let let's keep it a rough amount so uh how much uh percentage of your income do you think would you have to sacrifice or segregate for that investment plan monthly


okay, [orh]


no but the thing is I'm trying to understand that uh you are saying that it's uh it's quite hard to manage your expenses but when you have spoken to the insurance agent do they also ask you maybe one of the first few questions maybe I will look at insurance agent would be he should be asking what's my budget like


would would would would they do that or cause if I'm the guy I'll be asking a a normal person like what's your budget like what's the time span are are you looking into what's your time timeframe like uh what are the specific uh schemes that you want to invest your money


in, you know but up till today no one has approach me such so that's why to be honest I have that I haven't purchased any also


there is there is but uh there is one he's under uh axa AXA but then he's he's under claims department for for under health claims ya, so his is not exactly buy into in uh investment plans or savings plan but if I were to make a decision of purchasing right I would I think I would get into investment plans also


(mmhmm)


okay correct correct


uh axa AI uh apple ya


ya yup correct


, okay, so but then you it seems to be contradicting because you were saying that you were looking into investment plans but then uh at the same time now you are advising me I I understand where you are coming from like savings plan is more guaranteed and more


and more secured I would say


sorry sorry you were saying you have to I have to do a background research on which what big companies are investing on the insurance company is it, okay


oh you mean uh just started companies MNC SMC is it okay


okay anyway it's uh if you if you you have to realise I've been asking I've been kind of asking you the questions right because, hoping that you since you have experience because one of the questions is what do you look out in an insurance agent what what questions would you ask insurance agent when you getting insurance policy so actually this was kinda the rough questions I would ask if I'm being approached by a insurance agent


[orh] oh, but savings is guaranteed lah you you trying to say


okay, okay so if let's say if let's say uh if along the months one of the month it happens to be like your your salary is not credited in


or whatsoever so how do they go about with, these investments uh savings plan if you are unable to make the payment for that month, it it okay


okay but but they won't like uh have you ever ask the insurance agent that because that that is one of the concerns, that I have you were saying something about the DIY earlier on


for savings plan is it


okay


, so for insurance right can you let's say you are taking from a specific company the insurance right uh savings plan or whatever let's say from aviva let's say aviva okay can you buy uh can you buy


for let's say you have a vehicle can you buy the insurance from the same company itself


okay should should we should we clap (ppo)


negative experience, so <P2>ashir</P2> do you wanna uh I think I'll I'll I'll ask the question this time uh describe a time where you feel that nobody cares about you


okay did did you went to talk to, about this how your feeling with your parents to your siblings if you have


ya ya I understand I I've been there I've been there


for my case I have uh, uh I felt that uh it the times when I argue with my family members there were times that I felt like that before like uh like I I've


siblings on my own so if let's say we were to argue among ourselves then my parents would support them like the older ones back then so during at that point of time I would I would always feel that uh they were very biased and and I was feeling very left out, and because of that there was I don't know due to the age gap


or due to the the tension between us because of that itself I mean uh I and my brothers we don't talk that much back then and at that point of that was the only point of time I felt like uh my we we don't have that much of connection between like us


so in other words I can say that actually I didn't really care about them and I I felt like no connection or care from their side also, ya I think that would be one of the controllable moment I would say lah I could say, uh


I have yet to have a heartbreaking moment because I've never been with uh a girl before currently I'm with uh oh I I thought you were you relating it with love but uh apart from that a really heartbreaking I I would say uh recently


uh when my grandmum passed away that was uh quite uh traumatising and uh very heart shattering moments for me because she was the only uh so called elderly guardian guidance for me apart from my parents so I think after


that that after her after her, leaving right I felt that there was not not much connection between our families also like my family and my relatives because she was the only she was the how do I say she is the she is the tree that was branching out all these uh families together now that she's not here right I think a lot of things has scattered and


that itself is a heartbreaking moment for me in my life how about yours


(ppc), ya ya correct


she got married is it [orh] it's a very,


but I think uh losing somebody uh forever that would be the most heartbreaking moment I think in your life, ya correct, ya it shouldn't be compare also so anyway it's uh, anyways


describe a time when you hurt someone's feelings you know at the first scenario you said that somebody hurt hurt your feeling and nobody cared for you that was when you were hurt but now maybe you can for a change say that when you have hurt somebody's feelings


okay


so this is the only time you have hurt someone's feelings is it, ya uh


actually for this I don't really I cannot really relate for when I've hurt someone's feelings, cause nobody comes up to my face and tell me that oh actually you have hurt me you know I've never really apart from my maybe my family members that I know that uh maybe the times that I've spoken like harshly towards them maybe that only I know


but I also feel that uh when you feel a connection and when you're close with somebody that's when you actually can really hurt them even more, so so I can't I can't say anything much about it so uh what are sorry


in, uh ya obviously ah emotions hurt everyone uh plays a part for everyone actually I feel


I I would say that but uh I I don't know ah these days I don't know so anyway uh I think we have covered uh okay what are some of the hurtful words someone said to you that you wish to forget actually I I think this will be interesting you wanna go ahead


ah go die go and die, is it so


okay when was this like uh do you wanna be a bit more direct when when was this how did you cope up with this, no no as in how when was this told to you like when you were in the in the younger teens or recently


poly so how did you cope up when somebody told you please go and die did they say please or or just go and die or, oh in a in a in a in an anger lah


because sometimes I understand if somebody were to say in a figurative speech like you know like in a in a normal talking terms like


ya true true true correct ya, because memory is like a scar I would say you know what I mean so anyways ah let's move on describe a time when you felt betrayed


okay okay


do you charge with interest or like you just give just okay good


okay okay okay okay okay


ya correct, uh what was the question again !ow! describe a time you felt betrayed ah


I I don't know betrayed uh actually I don't know whether betrayed but I I it did I feel that it's very strong word but then cheated is it, I think like that that's the word I can get uh betrayed okay let's say betrayed uh I my friends uh plan to go work together at this place let's say like a warehouse it's like a twelve hour shift


and then uh the next morning I report there and then uh, I I I think you could relate to this uh whereby there was once, we went to, to no we went to Changi or whatsoever to work


but that day I was supposed to go go with another friend but then he turned out that he he at the at the last part he realised that it was too too hard or too impossible to cope up with the job scope then he backed off


so that job scope required two people to do do it so I had to call you for assistance remember that day was the, correct so that is the one that I felt really betrayed that that that could be one of the times I could say that I felt betrayed I was I was really angry I I didn't know how to to deal with him actually ya I could have ya


I think you can you relate is it is it the same like the heart most heartbreaking moments


okay


so so actually you had plan what you are trying to say is that you had planned for uh your action plan was to go for like this four days whatever you had you wanted to do but you couldn't do it so were you sad why were you sad actually you were supposed to be angry that you couldn't meet up with the time what


oh it's okay so you brought it to the sadness part okay, uh my saddest moment of my life would be I that I I, got retrenched I recently for during this pandemic and uh I really had a tough time uh getting a new job so uh for my qualifications and my experience


uh since, I uh my experience has always been in logistics sector and during this pandemic all the sectors are being affected uh I couldn't really get the job that I wanted so I would say that I was pretty sad but at the same time uh


I have to always look at the positive side so life still goes on, popular trend that I dislike ah I dislike that there's no popular trend these days


it, uh to be honest I don't even know what's the popular trend that going on right now for me to be disliking something


oh okay okay I think ya that's a good one tiktok ya correct


is that is is it basically the whole of tiktok or just specific videos in uh the trend that you know


okay, anyways uh describe a time when you felt like giving up can I go ahead with this, uh, I think there were a few moments that I wanted to give up actually so one of it was uh during my school internship I think this was probably my ITE days my I have to go for internship is like a six month internship


and then uh the job was in a way that whereby since I took logistics my job my internship was uh to just go to this warehouse I have to load and unload goods, so I felt I felt that at that point of time I there wasn't any uh learning curve that I I couldn't learn there wasn't I wasn't being exposed to a lot of things which I thought that I would be exposed to you know what I mean as a student I thought maybe I could be doing something more hands on when actually I was used more for physical


labour thing that was one of the times I felt like dropping out of the internship but uh I still pursue and completed and one of the major times was uh I think uh all the guys could relate I think one of the times uh, uh I could relate to was my, BMT in uh my mono intake uh


army, knowing that I'm going be there for the next two years right that that thought itself traumatise me actually, so ya how about yours


uh apart from the the job that we I knew when the Tampines that that that job that where my friend is not give up but I felt that we really couldn't take it and what the amount that they were paying, is is uh is not ya


uh worst sorry worst thing you have witnessed and kept, quiet about uh I don't know whether it's the worst thing but I would say it's a traumatising thing whereby uh I witness uh when I was younger way younger I witness my my neighbour uh committing suicide


uh, so ya so that was uh that was quite traumatising because uh straight after the son uh committed suicide the father also committed suicide so that was really traumatising and uh I was kind of uh a bit upset because they were quite of a kind of a close neighbour to me also


but I didn't talk to anyone about it I just kept it within myself so uh I understand I understood that over time you know the feelings are I I would be back to normal but then ya it's just a it's just a memory that I would never forget, you know I was probably around sec one I was probably thirteen thirteen-ish years fourteen I think


positive experience , uh I don't know small or big but uh firstly is money


uh no sorry firstly is family secondly is uh money thirdly is my girlfriend ya, so uh this is the relationships that I I feel uh apart from money relationships in life right friends


family is what that makes me makes my day uh going, on a daily basis how about yours cool I think we're on the same page on that


, okay


sacrifices that uh you've made that worth everything uh uh it depends actually it depends on what topic like uh


during my NS I sacrifice I let let's say national service during my national service I sacrifice my my time being spent with my family and, friends because most of the time I was staying in uh during like now now I'm I'm I apply for this new job CISCO so it's like a it's like a six days week uh job


so I have to sacrifice my rest and my time so it depends on uh what am I looking at actually, yup I don't have anything descriptive like uh anything directly to say or share an experience about


you know what I mean, how about yours how about you


so what did you sacrifice it it uh


I as in on my base uh on my uh side I feel that time is not something to be sacrifice time is is a ongoing thing so you cannot sacrifice time you know what I mean, six months why okay


okay, okay but never mind uh okay, describe the best movie or TV show you have ever seen and what do you like about, uh


ya ah no for I I will go with mine first lah then maybe you can go mine uh always choose the classic ah fresh prince of bel-air or friends, you you watch


sorry for no I've watched I've watched so uh it, actually that that that that episode was uh that I think that season started when I was just born nineteen ninety six it was will smith ya so the thing is their jokes are it's it's it's rare to get this kind of jokes like at this era


you know it's not like a insulting joke is is just uh is the way


ya and I I and I like about the show is that uh I think the the season went on for uh ongoing for like three to four years I think they showed how will smith from college moved on to, to eventually I think went to graduate


ya ya correct nice correct correct correct, is there any other show that you have uh apart from what you have in in common with me show


no other shows you watch or uh how how I met your mother uh friends that kind of show, uh I think is my dad ya


and probably this era, the recent one I can think of is err uh money heist I think that's a common one where a lot of people are watching these days money heist are you familiar with it, ya is it I think I'm waiting for season is it season four that that's yet to be season five is it


ya ya ya season five I think my my favourite character is the professor lah, it's fine uh so let's move on lah, what are the three things you have in common with your best friend or partner maybe this one you can go ahead first lah


pubg mobile ya ya I know


okay okay okay, okay so this is the common thing is it like apart from playing pubg what other common things do you all have in in in friends


okay, anything else or do you want me to go ahead uh, as in because I I feel that, to even be friends with anybody you usually


maybe right now uh people don't see that you know the common common things but when we were eh no maybe when we were younger we don't see uh common things in between each other because we all are schooling you know they will be just talking normally but now when if you were to meet a random person outside you will want to see what's the common thing in between them


uh see the frequency of their sense of humour or if whether they have the same interest of uh career, or uh, like it can be anything like what type of food they like uh where do they hang out uh what sports do they play


how's their lifestyle like, so that that's the kind of things that I I look into like if I'm looking at somebody in my workplace or, whatever you know what I mean, so proceeding to the next question uh what is one place you would love to visit and why


uh you can go ahead first lah, fine, I understand for me uh I would say I would like to visit uh any of the europe countries lah because I've never been been to one


no so the thing is that I've heard I've a lot like uh my sister has went uh, Switzerland she went to Iceland the the stories that I heard from her right it's uh the experiences are something that you cannot be felt here lah so definitely I think I will eventually save up probably by next year


hoping to know fly somewhere after this pandemic is all over, so uh the three things you are most grateful for in life I think these should be something that, you you should be comfortable ya answering


roof okay, okay okay okay uh


I think you I think you stated the rest but uh for me I'm good for grateful for having good health uh good family and uh, I think this is the two important things I, I I would like to say lah


cause ya no no health and parents not wealth yup, anyways what are the three things you admire about your best friend or partner you so just now you speaking about your friend maybe now you can say something about your partner or, okay go ahead okay


okay okay how is that okay something that you like about him okay then third one, okay okay


or maybe there isn't anyone to go to then you know what I mean no so sorry, uh, so what do you love about yourself this time maybe I'll do you want me to answer for myself first then maybe you answer about yourself


okay uh, uh three things I be it uh friend or partner uh their sense of humour cause I think all my friends have good sense of humour, okay uh second thing I I uh I can say actually all of my friends are all hardworking when it comes to uh their career they very committed to their work uh I I think I would say except except myself actually and thirdly I would like to say that uh


they they respect people equally you know they're they're good in nature, uh yup so for their character for their commitment and for the sense of humour I would say so what do you love more most about yourself


okay can uh , so now now that uh I'm going through a very busy and a tiring uh phase in my life right uh the only activity I would like to do is just play uh pubg or


mobile legend or any mobile games to just and probably just get a like a cup of tea and just play these games that's probably what I'll do right now my life how about yourself


okay


which part of Thailand did you went oh okay, oh


riding again lah you you will ride to to the east lah so during the circuit breaker time how are you uh unwinding your what was your


so you come back to okay okay, ya cause I was retrenched so , ya I knew is that was a happy moment actually so I was able to more relax even more take a time for myself is there is there any other questions you would like to look into


uh, actually I feel that I will laugh for everything lah like if if uh I I realise that I I remember during my ITE time there was this uh elderly person I don't know whether he's a bit handicapped or what he he accidentally trip and fall over the stairs for that also I I I accidentally laugh so I think I think I


I respect every joke no no , no the thing is the point here I'm trying to make is that uh I value every joke and I laugh to every joke lah so it's not that I'm lame just that I


okay so uh you can go you can go ahead with your with your your thoughts about it lah, ya so describe a time when you laugh too hard like you know


like you can you can you can you give us like a one okay then there's, no point asking you then so what is the proudest moment of your life uh, no you say of your life ya, okay


okay, okay


so what did you what did you do in this like one year two years just to, oh, maybe this could be one of the the times I laugh too hard just saying just joking that's a good joke actually so the proudest moment of my life would


be uh I think I think every moment I think every, proud proud moment is uh when I graduated from my secondary school when I graduated from ITE I finish my diploma I I ORD from NS I think every every uh accomplishment right ya every finishing you can say I think I'm I'm proud to I'm proud about that lah


are you mocking me or what anyways ah, describe a time when you got appreciated for your hard work I think this one you could relate to in your SCDF or in your workplace or in your NS


[orh], [orh] that's nice, so uh so you just had to or is it like a monthly thing like they will uh recognise the people, [orh]


I I think I couldn't really relate to when I was appreciated for my hard work actually cause, you know the thing about my previous company is that uh no matter ah how hard you work my manager always says that uh you can work even harder so there's no time for appreciation you know what I mean ya ya so ya it is all everyday is learning curve lah


to, to conclude I would I would I would want to ask you these questions actually since you say you'd travel to Thailand and all describe describe one of your most memorable travel experiences, okay okay


ya it's steep ya, scenery okay


or you just felt that you you didn't had enough of that place like you know you wasn't satisfied with the trip is that what you're trying to say, I think I think using a too you are posing a heavy word here lah but it's fine


it is uh my memorable travel experience will be I think the one I, sorry , I think the one I went in my NS uh also to Thailand, but that was totally for a different thing we went for uh uh actually we went for outfield actually uh ya we were I was in army so I was a infantier so what we did


was so to cut uh cut short the story right so basically the whole whole trip was a torturous trip, eh I I'm not sure whether you know camp in Thailand, okay so, uh I were there I was there for three weeks the basically the first two two weeks was torturous but the last one week right


uh we went to, we went to sightsee there was D and D I think I'd I would say that was one of my memorable moment because I had with it's not about where I went is about with the company I went I feel, so the boys were the guys that were with me is what that made me felt that the trip was worth being with ya


finance


kay uh what's your investment strategy how do you plan the investment portfolio how long is your investment horizon, I, would see I do not have a investment strategy is very short term


uh depends on what I'm aiming for, then the, how long the horizon is also depends on what I'm aiming for if it's something that is achievable within a year then I won't go so in depth but


if it's something like a house then probably I need like professional help, experienced people's help,


true make sense make sense okay so what is your risk appetite when it comes to investing and trading


take risk , I think nobody is, yeah


same for me I wouldn't take the risk also I mean, risk you going to lose money why do you take risk


!wow!


I think for me in terms of risk depends on, what uh, in what term like if it's something I'm familiar with like in a in a zone or in in the industry that I'm familiar with then I don't mind also provided I have the money but if it's something let's say I heard from someone uh know this business is


good if you trade in or if you invest but it's something that I have no experience or knowledge of then probably I will not even consider it yeah so do you do trading what is your trading strategy


I don't do trading as well I don't think I have thought about the trading strategy but I think like for indian community generally, uh we do do trading in sense of gold like uh


I think like our parents have always talked about investing in gold whereby they buy gold when the price is lower and then you can trade it when the price is higher like now with COVID the price has gone up so much but previously was like sixty dollars


eighty dollars eighty four dollar ya eighty five dollars


oh whereby my mom since she's working from home right since she's been taking out gold from whatever she has been putting in the shop so for her she saying it's worth it ya the pawn shop so she's been saying like the price is gone down so much higher that now is the time to sell it off and


like probably grab new ones lah but I don't dare to do that things right now with COVID so I'm still keeping it, but there


than what you bought it for right true


okay let's move on time in the market or time in the market oh sorry time the market or time-in the market which strategy do you prefer, I think time-in the market that makes more sense to me lah


ya so like we would have literally invested in mask sanitiser, there was one point of time sanitiser was so expensive then there was one point of time when mcdonald closed everyone was trying to figure out how to do mcspicy


ya bubble tea, people start making home sanitisers home made mask you know we could have invested in all that (oo) ah zoom, zoom came up to be one of those top uh


holders making money people ya, ya, suddenly they went up so high


ya they they coming directly out of business lah, but then in singapore yeah they're facing a loss I don't know like overseas maybe maybe not, (ppc)


we would've be making so much money now, kay so, what are your thoughts on dollar cost averaging to be honest I do not know what that means I tried to google it didn't make sense to me


but I think it's something about like cash back


(mmhmm), money


kay lah it makes sense so we will just go with that have you invested in options before what is your options strategy, I have not invested in anything if you consider gold then maybe gold lah


(uh huh) [orh] FOREX FOREX I have, heard about FOREX trading but it has never made sense to me I have uh also like mingled with these two people who were so into FOREX trading but it has never made sense to me I've seen them making money out of it


but sounds so risky sounds very complicated,


is going down is going up it's like something graph thingy, ya


ya I've seen like uh like I've seen this friend of mine got sixty dollars in in one day but sounds very less but if you, think about it they earn quite a lot lah like sixty dollar for nothing just looking at graph lines but maybe there's in like things in depth but I'll never know


kay so do you invest in stock market what do you look for when you're picking a stock for investment, nope


but let's say if you are going to like invest in a stock at (hmm) I think now everything with mask sanitiser ,


ah they keep having sales also


(mmhmm), [orh] ya ya, if you give me sixty seconds I will explain to you how to be a multimillionaire


oh okay I think I've seen this advertisement you've been you you were saying


, it was so hyped ya popular


ya true I had a few of it, ya okay makes sense (ppc) for a higher price


okay so moving on we will go to the do you perform any fundamental analysis or technical analysis in, investing if you do share your experience I think we never have done that


but but maybe if, kay no lah other than comparing prices between which shop is cheaper I think I've never done any other analysis before


ya like we can do it but we're not going to do it for for nothing


you cannot understand okay so


do you think investing or trading is similar to gambling I think it depends lah both ways, depends on how into, like how are you so into it like if you are okay you look it as business then ya


but if let's say uh, you are going to be like okay I won twenty today I'm going to invest some more I'm going to invest some more then gambling already lah


(mmhmm), true (ppc)


yeah so I mean if you are the same person then you would do it like professionally and then if you're not you'll just going to end up losing all the money you have


okay options are worth looking at for new, cash-strapped investors do you agree I actually don't even know what this whole question means


I think also depends on the person if you're if you're


yeah like something to backup or like if you are so familiar with the field you know this is the right thing to do then yeah, kay what are your thoughts on investing in a highly leveraged products like options


(ppc), my thoughts my thoughts are, fifty fifty like (hmm)


yeah, like if I don't like it I wouldn't want to like like invest in it per se


ya okay let's move on to have you eh no, how would you recommend a student with little cash at hand to plan their investment journey kay you're the student two three times degree diploma you should be able to answer this very well


oh ya you told me I heard about this , ,


okay so, good I think we covered all right okay what do we do


(ppb) okay so, great


negative experience, (ppc), kay describe a time


okay describe a time, I think it was like a few years back, for for both of us lah a few years back two years back I would say when everyone was trying to


boost up after their, for you it was after diploma for me I stopped halfway so I was trying to to get a full time job, so everyone was just busy, not like they completely ignored us but uh they were more focused on their own things but they were there lah they were present


talk about the most heartbreaking moments in your life for me (ppc) I would say it was my my my my guardians passed on time , uh was a very tough period lah cause it was SPM was my


birthday and she's already ill for few months that she was just very sick we know it's going to happen but never expected it to be the day before my birthday then uh so unexpected


ya I would say that that was the most heartbreaking moment in my life,


describe a time when you hurt someone's feeling , kay I'm laughing because you get to do that all the time like you don't even want do that but


people just think that you are doing it but anyways uh, the time I hurt someone's feeling, think I was very harsh was very rude I I use very


uh very rude tone to, to my daddy lah my my guardian but my daddy uh, so prior prior to the event uh the wife passed away right so I I was just that point of time I would say I was depressed and and he was also depressed but nobody knew about it and obviously I should have been more nicer to him lah but I wasn't


and it just came out in a very rude tone and then feel , we we made up that day itself I I apologised and all that but uh deep down it still hurts to think that after that whole thing uh the the next day he passed away so


my thinking until now even though that I know I already apologised to me I kept thinking that I could've be nicer that day that thing doesn't have to happen you know if I would have be nicer that day I have one more day, to to think about him or like to spend time with him


ya ya correct lah he wasn't taking his medicine we were not aware of it and, also like the depression contributed to it and all that lah he didn't have his dinner lunch most of the time but you know automatically you think that you are the reason


yes so that is the time I I know that I hurt someone's feelings , (ppc)


which doesn't help also, kay describe a time when you felt betrayed


, which one oh what are the, hurtful words uh relate back to the topic I told you earlier, the part where I said mean things to my dad right uh I said something like


can't actually remember exactly how I said it but I said something like uh not everyone is the same as us in terms of like family lah so not everyone is going to understand you don't don't say things you're not supposed to say to other people they are just going to make fun of you things like that


oh shoot hurtful words someone said to you, , I I had this one person in my life will always told me everything is my fault my my ex-boyfriend lah okay so everything happens around me is my fault


so I think that is something hurtful lah when you constantly keep telling some, one know you're this you're this you're this you're this automatically you'll start doubting yourself and mind this uh so that's something hurtful that I I wish to forget


(ppc)


(ppc), kay time when you felt betrayed, uh for me is was it was when my my parents uh decided to go and do uh what's the word spaying is it is it spaying the the operation they did for my honey honey is my dog


ah sterilising so they did it without me knowing that that's when I felt the most betrayed lah cause it's my pet how dare you even though they have their reason but still I felt, betrayed ya that that's when I felt it how about you


that you felt same for me too, kay what was the saddest moment of your life, saddest moment of my life uh


my my my guardians passing lah both of it other than that uh, there's other things that I I would say I felt sad about but if there's something that that overpowers everything else that if I think about it I'll start crying is obviously the passing of my guardians lah


kay what is the popular trend that you dislike what's the popular trend that you dislike in terms of what


need to give me an example I I don't know what's the popular trend that you dislike


you sound like a auntie kay but but but what


as as trendy as it is now, ,


okay for


for me right popular trend I, can't think of anything right now but there was this trend after watching this one particular movie which I can't remember what movie also but it was a tamil movie lah, they started burning photos of uh girlfriend or boyfriend that broke up you know that that it happened but I don't know it was like throughout everywhere but I think


mostly in indian community itself lah it was this movie where they were burn a the girlfriend the the boyfriend's photo and then I think at that point of time there was facebook or instagram story I don't know which one but


I I remember seeing it, okay, they don't do it but they they said oh not a threatening


to commit suicide is also another trend that is it's very disrespectful for people who's already like been through it you know who who survive to those things kay moving on describe a time when you felt like giving up


for me giving up, was when I I stopped my diploma halfway , I I was so close to giving up


everything related to it lah like kay I don't want singapore anymore I don't want poly anymore I want to go back to malaysia I'll do things there how I planned it giving up everything I've already had it here lah but I'm glad I didn't


so that's that's that time that I felt like giving up,


kay the next question quite interesting what's the worst thing you've witnessed and kept quiet about , what's the worst thing you've witnessed and kept quiet about, uh


the worst thing okay uh I would say something not very personal to me lah but uh it was something uh from a friend like, uh a friend in this group where she was actually being abused to I heard by the boyfriend


but we didn't had any concrete evidence other than what she say lah like you know if you want to go and confront this person then how like he will have definitely ask how you know what , so by saying your girlfriend say also putting her in danger saying uh someone else say is like saying uh


like it's just spinning your own story so that that's that's something that I I know but I kept quiet about because really I couldn't do anything other than talking to the girl itself lah, so what


for you you always I think you always say it out so kay what's the what problems or issues keep you awake at night, for me


for me problems or issue is my studies keeps me awake at night


, kay what's the one thing you will never joke about, uh I don't know


kay (ppb)


positive experience, kay, as a child as a child


hobby I collected stamp did you know that I collected stamp, a lot of stamp, , I like running in the playground but I had like five six seven stamp books like from all over the country


nah I I did lose it after that lah I lose it after so many years I heard that you can actually sell stamps


okay I wasn't I wasn't uh a runner long distance runner until I was in secondary school, I was a very quiet uh child, like when I was young lah when I was young very young


you know toddler what were the best parts of your childhood for me best part of my, childhood, I was the only girl at home so I had a lot of like privilege I was the last one at


home I was the only girl at home I tend to get anything I want in terms of like TV playing what to wear, (ppc)


!aww!


you should go out wait I was I was young you were a bit sound like bird like someone will just randomly go, cause my house is like the playground and then the blocks are around the playground so whoever goes to the playground has to stay


hidden first so that like the parents won't know lah then they'll make like bird sound like coo coo coo , ya so after we go down then like like one or two people go down then the parents see never mind lah but before we go down we we like hide hide under the block to make the sound


but I, have to get home before like you know the birds will go back all in like a, a group of birds flock


ya so like whenever the birds start going I will start going too because, after that if I go my father will really really like whack me or like, tell my brother lah so


kay what's the best thing that you have done for yourself, best thing I've done for yourself (ppc) for myself I've been I would say it's


best fifty fifty, that I I have done for myself which is adapting to to stay away with my close ones, if I have to, like I have not been very close with my my family lah cause they working in singapore I stay in JB all the time so when I uh when they came back so I'll say that's the best thing lah like I I can do something without someone


super supervising me , ya independent without my family not my friends, (mmhmm)


you you are


you are okay what are the people that you most cherish, in your life and why I, I think we both have the same answer lah but I would say it first, my friends friends like family


ya like I could just go on and on and on about all the memories I have with them including you, ya same


ya so ya, we have that answer why what is the best song lyric you have heard, kay I have a lot in tamil but for, for this sake I will say it's uh elvis presley


yeah (ppc)


, I like all the elvis presley song like uh can't stop falling in love is one of my very favorite songs of him just like you'll feel very loved


but not recommended when you are feeling sad okay but obviously you don't you won't like it, kay how would you how would your life be like if you were a millionaire good question


kay, ya, every single time we have taken a four D we will always discuss about how much each person will


get if this person wins and uh what are we going to do like buying a yacht, going on a cruise buying a house paying off study loans moving out of the house, same


for me I would also pay all my loans and then me being me I'll give the person I know who has loans also , by the time that happens I think I won't have the millionaire money already lah


ya then, (ppc) describe the moment when you felt the luckiest oh luckiest, uh


I felt the luckiest when everything was starting to fall in place after I, I met few people lah let's say kay like for example you our close friends and all and then everything started to like make sense slowly I I gotten a job I started doing what I like


so uh that's when I felt the luckiest like no matter how things were so rough but, at the end I had a place to stay I had good friends to be with I have people who have my back all the time, so would say that's something I felt the luckiest


I know


my boyfriend not letting me to go lah


okay


okay I have never travelled anywhere outside malaysia and singapore lah other than Batam which was also with you , I felt, uh, travel experience was so good because it was


after like a very bad fetch of time, then we decided so like instantly in in a week if I'm not wrong right we we decided in a week let's go Batam, and then when we went there I had all my favorite food all my favorite things was done I had


oh we did the photo shoot which nothing turn out nice in the ferry, we had good massage it was good lah there was like when I know kay I got people lah I I know that I I've been in a in a good


circle of people who's there for me, so that's the only travel experience I have for now, cheap cheap when COVID is over, (ppc) your husband


, the, and you filled it up there


sponsored trip mental health , (ppc) !aww!


kay describe a time when you can't wait to attend a special event or concert kay I'm not a concert person I've never been to any concert also, I don't like how crowded sticky and messy things could get sweaty


but special event always like gathering , to my friends uh gathering outside, we we did, ya gathering where else did we gather


what your wedding , , ya but but speaking about it now uh, special event I would say it's a wedding cause we've been waiting for what almost a year


all of us and now with today's news with hundred people can attend uh a wedding finally, can't wait so excited can't wait to try the Saree, that we bought so many months ago


ya so we will do another one , (mmhmm)


ya I helped of course I remember


oh so they talking about that right brings me to the point where uh I was excited to see <P2>avikei</P2> your husband, to like go down on his knees and like propose to you cause all the way in our head like how lah this


person going to do all these always so fierce then suddenly !wow! , (ppc), but it's it's okay like uh that that was when I got excited


ya ya the night before , , we tried to give both ah, okay uh


what is your best surprise, your best surprise is always planned by me so everything has been your best surprise


planned by


ya I know <P2>sal's</P2> the best person to like plan stuff, ya because only I was doing it for me I what is my best surprise I don't know lah can't remember suddenly I can't remember but I think my best surprise would be my pet honey


uh, no no uh, the day like when I got her like the first day cause uh I didn't tell anyone in my family that I'm actually getting a puppy , and it was like so called adopted lah let's say adopted from like a person


that I don't even know I've never met all I did was just go there pick it up from the guard post surprise was she was sick but she managed to pull through and she's so cute and then ya the cataract and then she had like infection and all that then


I never expected her to actually come to singapore, after like a whole quarantine process she's a freaking foreign dog, so who knew, that ya that that'll be my my surprise I would say


what is your biggest blessing I think we both know the answer (ppc), kay you go first you go first there's only two minutes you go first


uh my my current partner kay my partner, my boyfriend blessing in disguise, your husband kay (ppc)


oh, kay


for me I'll uh same lah when I was in need of a emotional support also lah let's say like you just feeling sad depressed of certain things in life is not going according to your plan but


I have never managed to say no to someone so if, they need me and but I need myself the most I'll still help them eventually somehow, it will make me feel, better lah like at the end of the day I'll still feel good that I was able to make someone smile kay what is the happiest moment in your life


get married , my happiest moment in life I think everyday I'm happy, for just being alive with this COVID situation lah


yeah


finance


okay


okay (mmhmm),


okay can so for me right investment strategy actually I also don't have a specific investment strategy but, I I have always been interested to make a lot of money you know you you always want good money easy money and you know you want to get rich kind of thing so when when I uh when I have a conversation with a good you know like uh all the high


very Atas Atas people their investment strategy and all they shared with me was something to do with mutual fund and also, so mutual fund is like a uh something that they they see are good prospect when it comes to investment how do I plan my investment portfolio uh


uh maybe probably I will look at uh how much money I have like for now I I I can't even talk about how much I have because I I'm only a uh, surviving with what I can what I have you know with uh expenses and all and how much time am I able to put in


if you ask me at this point of time no no time I I I I'm like you know looking into more like uh developing my career so uh, if if given the choice how long is my investment horizon it will be a long term one because the longer you are able to invest the more I believe that the the more patient you will be and the more money you can make


so ya, risk appetite I I can tell I I'm


not someone who willing to take risk when it comes to money because my my money is very important so so in order for me to, sorry


, I mean it's not about losing money you know you you can also gain money you know I know friends who's like twenty four years old they do investment but you know they're they're a owner of uh mclaren car now


so, so it's basically about taking risk but whether, are you able to take the risk is one thing firstly if I'm going to put on all the money I have if I'm going to lose it then I die because I got my loans to pay you know everything there's a lot of commitments so uh whether you are able to take the risk or not


depend on how much you have like you're you're uh the money you, have to risk for me I have zero cash where I'll risk it now yet but in future if I'm someone who's making money I can do savings you know I like uh easily earn uh I can easily save about like three thousand per month then I don't mind because there's backup cash for me


but if it is something that I'm relying basically on my daily life survival and all then uh I won't take a risk


(mmhmm), yeah


correct I don't do trading , yes


ya ya


but talking about it now I think now I think that I do trading okay why I tell you why because recently, uh I bought this uh, gold necklace okay was like two years ago and then uh


I definitely I bought it like about for like thousand okay uh I mean uh, uh my husband bought it for me so now he was thinking about selling it off because now is like what one gram they are they are giving about uh, eight eighty eighty five dollars eighty five dollars


ya ya today morning only I went there, but but then I never sell it lah I I mean I'm still considering


the pawn shop ah , ya


but good also you know why okay when when it comes to trading strategy I another strategy is like you must be able to think on on the spot you know like after, after they open up all the shops and all after the circuit breaker and all right the the the gold actually there's uh the gold one gram was ninety three dollars so at that point of time if I were to sell it I would have made more money but now as it like


ya ya so I think that's one of the trading strategy when it comes to like you know thinking on the spot


(hmm), ya true, like who knows right uh like the entire world would be wearing mask today,


sold out, ya some bubble tea thing, ya ya ya so uh


ya true and all the (hmm) online online shopping like amazon shopee all suddenly like you know like making a lot of money already ya but then at the same time you know victoria secret and all


(hmm) so but then they are still you know trying to make uh money out of it other like all the sales and all, yeah


true true so ya for me I think it's time in the market because , if five years ago if I have invested on surgical mask , ya true so ya


okay uh dollar costing averaging okay


yes uh as for what I know okay like I give you example lah like if let's say you want to invest like ten thousand dollars into like us us uh maybe a some stock, so instead of making that time uh uh putting in that ten thousand dollars at the same time you invest like a two thousand dollars first like every month then you know you do it over the five months so it's like uh slowly you build up your


uh that's what I think lah ya that's what I think, so okay, uh, uh


I have not invested as well but you know my brother he he have this I don't know what's that but I I have uh


ya I think probably, they're they're looking at the trend line I don't I don't know how it works


I but I I have seen my brother trying explain to me but uh I never understood but he he was told and telling me that you know uh look at this, uh today uh the the trend line today for this particular uh going down going up


ya correct so probably I think uh I have never invested on those before but from what I see from my brother and all I think the strategy is to look at the trend line and then they they do investment according to it


ya correct so ya


(hmm), nope no stock market investment, uh


ya but stock market I can I can probably uh the if if I got the you know if I'm able to take the risk or what if I if I got the amount of cash to take the risk then I would go for amazon shopee, yeah


it you know I always watch uh like generally when you watch youtube videos right uh there'll be advertisements so one of the advertisements ah is about this thing called E-commerce have you heard about it so they they will be like okay


yeah yeah so uh I think there's something to do do with stock market so they will they will say okay first you must get the winning product like uh there was this particular uh


two brothers okay so they they did this investment you know those magnetic eyelashes, ya they they bought it they bought it from china for one dollar and then they sold it for uh ninety nine ah sorry sorry nineteen dollars ninety nine


cent and then there was like uh few thousand people was buying it and then suddenly they got lamborghini already so, not even that uh not only that I mean they you know the fidget spinner at that point of at one point of time right it was uh get yeah it was it was getting very uh hyped among


all uh almost good range of uh age group and then and then these people ya so, that that was one of their winning product


so they bought it from basically every uh most of them are buying it from china market, and then they're selling it in US market yes correct and that's how they make money I guess I mean, that's what they they showed lah but obviously after some point of time uh I was looking through the briefing after some point of time they was like okay do you want to know the strategy follow us for the camp uh it's only eight hundred dollars for three days then I'm like okay stop it there not yet not yet


ya no analysis done but maybe we never analyse


you see that's the thing I I have never shown importance in all this analysis thing unless someone like come and talk to me about it so I'll yeah I'll, so I will try to I will try to you know go into it like okay let's see like what is so fantastic about this when I log in the the the first few uh their their how do you say ah their vocab is too much that


ya so that's about it, of course ya


two (mmhmm),


ya but probably uh I think right like most I don't know but I feel like most of the investors are that they're very good risk takers so it comes to a point where if they have their last dollar they would try to invest and make money out of it instead of keeping it with them


and that's when uh it makes me feel that it's gambling already like you're gambling the last few uh, cash you have so investors


yes true so better I mean ya so for me I think it's like similar to gambling,


worth for looking new kay like I I think they're asking whether like uh you know like new investors like people who have uh limited cash like are they like is it worth looking for such investments like with that little money they have


(hmm) I think no I don't agree because ya unless you have, something to backup


ya ya correct so, I don't I don't recommend people who have you know cash strapped


tell me, I I I think uh


for me I'm a I I don't I don't like uh, very highly leveraged products, so I'm uh, yes correct


it


uh, it it even I think uh, if I were to talk about investment plans right there are people who like already have investment plans for students it's whether you are willing to invest or not


like uh for students I I I would say like most of them you know those financial advisories insurance companies and all right they they don't really call it uh investment plan what they call it the savings plan, so like for example there's this uh where I looked uh I I mean I got approached of like they will tell me that uh I they told me that uh


uh, you can save hundred fifty dollars per month okay ya, so at the end of the month you know you are saving thousand eight but to reward you they're giving thousand dollars, uh every year so you put in thousand eight which is your money but uh they are rewarding you with thousand dollars I don't know how true is it it it is lah but I can see that if if you're if I'm willing to go for this kind of plans then I'm okay because I don't fork out a lot of cash


yes, that's about it so ya so it really depends on the investment plan


we got last seventeen seconds we still can talk about the recent performance in stock market I think it's crashing like shit uh it's crashing really very badly now and after this COVID situation ,


negative experience, kay describe a time that nobody cares about you


(mmhmm)


(mmhmm) (mmhmm), ya


for me uh that describe a time when nobody I mean that, nobody cares the that when I feel that nobody cares about me , uh probably because I'm someone who like to isolate myself when I got problem


you know it's like be it any issue so I'm not someone who you know go out to people and start talking about it so at that point of time I won't say I got ignored but, I there will be someone rather like one point of time you know like lowest point of your time you will feel like !hey! how come this person never check on me ah like I went missing what


like I I stop messaging them already what how come like you know they never message me and ask uh where am I and all so uh, it don't, always happen but at that point of time like uh maybe during poly times where I I I started you know slowly having a lot of uh


issues family issues uh boyfriend issues and all, so ya,


yeah , for me the most, I think ya you you have told me before , for me heartbreaking moment is when my parents divorced because I see my family like breaking apart in like right in front of


my own eyes like suddenly my father left and then he never came uh like he went missing for two years then we all the way was with my mom then we don't know where my father went and all after two years I had to go and you know like really literally go and find for him and all so that at that point of time I was too young to handle all those


uh when I was like uh maybe eleven or twelve years old so I'm still young to handle those heartbreaking I mean it was heartbreaking so I went through a lot of counselling and all so I'd say that was my most heartbreaking moment,


ya,


eh yup (mmhmm)


yeah, but but then but then he was he was not taking his medicines all properly right


so there's also other other reasons, ya so that could have been the main reason ya, actually you will think like that but actually it is not you know


okay, for me I think uh the, I think I always tend to hurt people unintentionally like , being a straightforward person being uh like you know telling things like straight on the face and all people always thinks that I'm hurting their feeling so that like I won't say one or two scenarios uh situations like like it has been a lot


like people come and telling me eh you you know you really hurt me you know your your the the way you talk and all but I'm someone who can't keep it to heart and I I'm not someone who you know like, if I'm angry I will just finish it off at that point of time like short tempered person so I feel like uh


there is many times where I hurt someone's feelings but also I'll be like someone will be like okay I'm so sorry for telling you the truth, you know , ya ya so I think (hmm) ya a lot a lot


eh no we we missed this question what are the hurtful words someone said to you


no it's hurtful words someone said to you, that


okay, ya correct


for me I wish to forget things like uh hurtful words okay hurtful words is one thing but coming from who is another thing, you know it's like if a stranger come and tell you eh you know you cannot make it is you you know it doesn't even concern you like you don't care but if let's say if someone like


you you'll look up to or someone like you know you really liked and all if that person come and tell something like small things also it will be hurtful so to me what was hurtful is when my relative , thought that uh


you know like basically telling that okay I I I will never do good things in my life you know, uh you you confirm will drop out you confirm cannot finish your diploma you are not someone who will take degree you know uh these are the things like I wish I didn't heard from them


because they're someone who I rely on used to rely on like a lot like cousins relatives and all so when these people come and tell me these it was hurtful and I wish that it didn't happen because at the end of the day I had a lot of respect for them


but when it come come out from them you know like I wished you know I had good relationship with them but then it didn't happen so that is something I wish that they didn't tell me that you know I I would like to ignore I mean I would like to forget that happened


oh is it, uh sterilising sterilise


(hmm), , for me I think the time I felt betrayed is like when I had my ex-boyfriend


you know he he he really flirt behind my back, (hmm) now when I think about it I'm over it so I'm okay but at that point of time betrayed in a sense where is someone who whom I really trusted you know and then I'll he was actually uh he was actually uh


liking my own junior, so it's like a they was a very good friends and that's what I thought but actually behind my back something else was happening so I felt betrayed friends wise and uh relationship wise so that was the time I that was the the worst betrayal I think ya


ya till today yes, (hmm) (ppc)


for me the saddest moment of my life , kay maybe something recent was uh when my my pet was very sick you know marvin he was so sick that I wasn't able to see him in that that's uh


because basically he had uh some breathing problem and then we had to rush him to hospital you know that particular night, that was a bit don't know what to do because all the vet was close and then we had to find for twenty four hours uh


vet hospital apart from that uh the costing that you know don't know whether we can afford or not so that was the saddest moment in my life like we don't know what to do with, that you know like he's like one of our family members so it was very sad for me at that point of time


popular trend now no uh


(hmm) , popular trend I would say uh, okay for for me I was always you know very traditionally brought up by parents and all so if you ask me nowadays there's a lot of popular popular trend that uh teenagers likes to follow


oh shit uh, uh , it can be like a, you know like those times where okay now I I I I foresee that the popular trend now not okay it's not popular but I nowadays I see the trend where


uh you know like those teenagers they like to pierce everywhere I mean last time used to have but it wasn't that popular, ya you know like those earring with like really like legit like fifty cent coin kind of piercing uh you know I'm talking about those piercing I'm not even talking about you know like uh


the simple piercing and all then like those lip, piercing uh belly button piercing, ya so that's something I don't like


oh,


, wait, talking about that the like reason very good popular trend now is like to commit suicide, do you realise like uh


I, ya ya correct,


(mmhmm),


, there was like a lot of time where I felt like giving up throughout this degree process


you know like taking a part time degree biomedical science like after work, you know you really feel very tired after work so the moment you you you know you actually you drag yourself to school and, in fact when you go there sometimes you don't even understand what the lecturer is talking about so at that point of time I really felt like giving up like I was like should I just quit


you know like even though it was uh it has a uh it has already one year or like even till the last two modules I did , I felt like giving up but there's always like what I say there's always someone behind me saying that no you already you know worked for it this hard you came this far so it's all about motivations but that was many time throughout this process I felt like giving up


oh uh


I was thinking about this question but I think I'm someone who like if I don't like I'll just say it all , so I never kept quiet


[orh] okay,


, okay for me right I don't know


ya, uh


okay for me is, what keeps me awake at night is like basically I'm a very uh I I'm a overthinker like I overthink everything so there were times where like I felt like oh my, god my grandmother is getting old then like what will I do if she's not around then uh oh my parents is getting old my mother got tired yesterday she fainted like what would happen if I you know like I always overthink and that what always keep me awake


all night like like many hours I'm a overthinker and that's my issue my problem , ya uh


people's (uh) situation like if they are trying to achieve something you know you don't joke about it you don't say you cannot make it


positive experience, okay so what is a hobby or activity that you felt happy doing as a child


, oh okay I think I think I was more the very the active hyperactive child so


, I I I'm I I really I mean ya it's it's a hobby but I I'm not someone who can collect and keep probably I I'll lost it uh I'll lose it


ya so my hobby, ya now now you're talking about money making again okay ya so I like to run I'm a


athlete long distance run you know that I think I I feel happy when I like run and play catching color catching, okay I've since young since young


okay, (hmm) for me


the, the best part of my childhood I think was my friends I I always make good friend since childhood


yeah you know so I think that's like something very good about my child uh childhood but like you know I have uh friends uh all around my neighborhood okay so there will be any one person who's going down and uh there's like a railing there and then they will start hitting the railing


so that's the sign that we should to come down to play so anyone of the


(mmhmm), ya for you all to come down and play right


, , oh


oh because yours was on malaysia right malaysia, uh maybe just like, okay can


ya okay you say first


oh okay


okay, oh !wow! that that means basically being independent okay


the best thing that I have done for myself is , uh I stood for myself, in a sense where there was this time where I were get bullied and all okay uh after some point of time because I was the most quietest child like when it comes to primary school or secondary school I was uh not secondary school okay primary school I was very quiet so


the best thing I've done for myself was to be an extrovert after some point of time because the more you keep quiet the more people think that you're you're capable of getting bullied, so I came to a point where okay cannot I have to stop this right here and I have to stand up for myself and I have to be firm with those people and that's the best thing I've done for myself because till this moment it's it's like building up in a sense where


I don't get bullied but I'm not a bully also, I I hope not , ,


ya, is the if the family we made for ourselves like, ya


so like how to say it's uh very nice lah it's it's something that I would cherish is in my entire life like I will never forget it has always been there it will be always be there you know like they are always behind my back so yup ya something I'll cherish


uh, okay I'm not a english song person kay I I I ah ya I do listen to english song but something that


I would say best song lyric is a motivational songs which just tamil in tamil okay that, that there were there were times like you know I I like uh you know during degree part time degree is not easy at all so so when it when it comes to play a times where you know !aiyo! I I think I want to I want to give up and all lah so I have this habit of uh like hearing motivational songs which will really like okay


yes we are going to become somebody tomorrow you know that kind of ya so I I I I I really think that that's the best song lyrics that I've ever heard, which will motivate me as well


, ya is is important, ya true I mean I have heard but I I, I am not into


uh, we we always try to be lah okay every time we take all those four d TOTO kay then, we we'll have this conversation okay if I'm a millionaire ah


I give you, , ya I know ya so


for me if I'm a millionaire I will first settle all the loans I have okay and I'm someone who love to travel so I think I'll be travelling around the world with that millions that I have, ya true true


helping lah helping sense to sense of helping, okay, (hmm) I think I've always been lucky


ya, (mmhmm) yeah


I felt lucky when I met my husband , because I think you know like usually girls have this thing eh I want to go out lah it but you know my boyfriend don't lend


that I can tell you I I never had this kind of issues okay I I'm able to do what I want to do , so I've I always feel lucky when you know when when I get, uh I when I get a support on what I want to do so he's a very good uh motivator supporter everything so I think I'm uh I feel lucky when it when it comes to marriage life and all


yes, so describe a travel experience that you left you


yeah, yeah


, oh


, for me, for me travel experience uh it's uh the surprise that I I I received from


uh my husband ya like a, okay pack your bags tomorrow we are going Bangkok then I'm like !huh! what I thought I thought I'm supposed to cook at home tomorrow so I think that was like


really nice because we we went with empty bag like a like a backpack which was like totally empty, ya a lot like really a lot so shopping is something we like ah so, really I I really did a lot of shopping like worth a lot a lot so everything he paid so I was like okay you know from the flight ticket to everything you know like it's just like a good sponsored uh like going out with uh


yes yeah so it was uh that was something that I like even though it's a just uh you know somewhere nearby was just like uh two or three days I think it was really very nice of him to do that


ya gathering is always fun I know


but do you know what was my the something that I was waiting for to to attend my own wedding , , ya ya


ya, ya I and my bachelorette party what happened but the wedding got postponed, , I mean traditional wedding got postponed but then you know the ROM that we did the ROM that was uh that's the event I'm talking about because I did a lot of good planning remember


like, so so that was like really very nice you know like you the bridesmaids all have the very good, performance and I was like it's very excited to watch everything so that's something like a


ya uh basically the situation may came to it it if not he wouldn't have bothered doing at all, ya, and remember remember we wrap my own bouquet that wrap my own bouquet asking eh on the stage you give it to me okay


, , oh I I think the best surprise I had was my last year's birthday surprise


you , yeah it was it was really very nice like I didn't expect firstly I didn't expect a lot of people and the way you all like make it sound like a ya today only three people coming to eat you know


then I'm like okay there's only three people I was very confused then I was really surprised I'm not someone who will get surprised easily because somehow I find out shit, uh shit okay sorry somehow I find out things


so, so, so (hmm), I think you all really like kept it, very secret like really


uh the the day came to the house


(mmhmm), (mmhmm)


the cataract ah


oh yeah she can, !huh!, okay so what in disguise


kay what no you go first faster say say it


and yeah, , (mmhmm) so for me you you also know that answer it's uh my husband ya describe a time uh a time when you were helped by


someone, in your time of need, (hmm) for me, kay for me I always needed emotional support like that is uh that is how I will you know take it as help from people so to me I think that my friends


again they're they they are the people who was, there to help me in a time where I needed emotional support like it couldn't it can be as simple as I would have failed the test or it can be as big as , like family issues family problems you know but at the end of the day they they really helped me to be there emotionally you know supporting like keeping me accompanied and all so ya


my friends


(mmhmm)


, I think I I foresee my happiest moment is when I when I get my official graduation cert not yet but definitely


okay , okay inside joke that your friends will laugh until that it's about basically bullying the teachers we always bully the teachers so that's something inside joke


finance


so uh do you have personal insurance


okay, okay


I see, for me my personal insurance , I have, personal insurance uh like what's that careshield uh I also have a personal insurance from NTUC income


uh great eastern aviva, but honestly I'm not very familiar with what they cover, I I only know like okay if I'm hospitalised they will give like some amount of money on a on a daily basis so like one day like about maybe hundred dollars something like that ya


oh so uh, I have this uh what what is that called agent right the insurance agent so actually I have already uh sign up for this personal insurance last like


five years ago I still I I have a contact when the on my phone but uh I rarely contact her because thank god nothing happened to me so ya so I don't really


get in touch with her and, ya yes yes yup


uh no I don't have, (mmhmm) , ya, yes yes me too I don't have any endowment plan so you you told me you have your personal insurance right so how


how much do you spend on, insurance like how many percentage, of your income or or ya, like every month you have to spend right every month you have to uh ya pay by GIRO


oh okay


oh I see, oh okay so about how much how how much altogether like if you can tell me the amount or if not, maybe like a percentage, (mmhmm) (uh huh)


so that's only uh your GIRO as in cash is deducted from your account, oh okay two hundred plus


oh I see okay


!wow! oh ya ya ya I I heard that before riders ya riders uh I I didn't take the riders I know I didn't take it cause I remember the agent told me to but I didn't, cause actually honestly I'm a bit like sceptical about all these insurance thing cause


like I heard it's very hard to claim and then sometimes like you can't claim and there's a lot of problems to when you when it when it comes to claiming so I don't really you know,


ya I don't I'm not really, ya, oh yes yes, oh is it


oh I see !wow! so it's actually useful


actually it's good okay


(uh huh) ya


ah okay so have you heard about you know that kind of insurance where it's also a savings plan, have you heard so do you have it, oh why not, oh


I see I see, (mmhmm), okay okay, because I actually have two of that


ya actually one is from great eastern and then another one is from aviva so I had two and I paid like for for great eastern I paid hundred sixty five per month and then


for aviva I paid two hundred and nine so like in twenty five years time I will get back a lump sum something like that like like ya, ya what do you know what uh is that plan called


it's called like saving some something right, ya so (uh huh) ya oh I see


ya because for me I I for the great eastern one I left with like about twelve more years to get the lump sum for aviva twenty more years , but on the seventeenth year that means like ya about like in twelve the in twelve years I can get uh like half of the amount something like that ya


(mmhmm) ya, so when do you uh when do you usually uh get insurance like when you, get a property or when you travel or what


ya, oh because you ya you have a card, (mmhmm)


oh just a one time ya ya, for me I I took insurance for my domestic helper uh, and ya when I have children I actually have insurance for both of my kids


it's, it's using their medisave and I'm not very sure what is that actually it's quite recent , ya I'm not sure what's, what's the policy called but ya both of my kids is deducted by their medisave and then also uh


travelling no I don't I don't travel so I don't get any insurance while travelling, yup


I'm not prefer but, any agents that come by and offer me something and if and I if I think it's useful then I just sign up ah, if not then ya, no uh I'll I'll I'll I'll say like I'll think about it and ya but


ya any agents who come to me and and offer me a good uh insurance policy then, uh ya I will, I will sign up for it ya so I have like two or three agents


oh that's good, (uh huh) (mmhmm)


so how many years have you been, contacting with this ya, !wow! okay (mmhmm), so why do you like this agent like you know why do you stick to him him or her


, ya that's the thing right ya, yes ah ya


yes that's so annoying yes it is


oh ya ya yes yes


(uh huh) (uh huh), I see ya ya most of the insurance agents are so pushy and they are hard-selling their stuff


so I don't really find them like sincere you know like really wanna help me and just show me which are relevant to me, ya that's why, so like some of them also like uh when I already have these insurance coverage they still offer me a another policy which covers the same uh things that that with with the existing uh insurance policy that I have you see so like


ya they're not very honest I mean cause I'm not, like expert or or I I don't really uh know much about insurance or finance so like they just can psycho me and try to push me to buy all these stuff you see


just because I I I lack of knowledge and ya, , ya ya, that's why oh my goodness ya


ya, the the first thing I always ask right is


okay so I pay this every month will I get back my money , , because because, I thought it's like a savings plan is it because uh I've signed up for two savings plan right so like every, month I'll I'll I'll I'll pay every month and uh


I will get the lump sum right after twenty five years , so I thought like okay uh, when when I pay the money every month means means I'll get something uh I'll get it back, uh because for the uh NTUC income insurance right uh that one uh I'll get back so if let's say by the age of what age I forgot if uh if nothing happens to me if I didn't do any claim uh they will give back my money


plus interest ya that's the thing I like, ya so that's why when the insurance uh, agent uh will will offer me some policies right then I'll be like okay so I pay thirty dollars every month uh if nothing happen to me how much uh do I get back my money then if the insurance agent say uh no it's a then I'll be like okay nope I'm not interested


ya then because like for me if there's nothing uh if nothing happen to me and I didn't get any claim then , like, for me lah it's like a waste of money every month I prepare just


if, something happen to me you know like ya maybe I'm not , ya, I don't have that mindset ya


oh why ah, (mmhmm), oh oh ya ya ya


[orh]


oh I see, I see so you don't like that lah, okay (mmhmm)


oh okay, so , in the future do you think you will take in anymore insurance or anything, (mmhmm)


oh ya, (uh huh) ya


(uh huh), so uh how about when you uh when you get your house your BTO right you're going to get your BTO soon so are you going take what's that there's some insurance for the house right if I'm not wrong it's like fire something


ya, (mmhmm), ya that's why


(mmhmm), (mmhmm), oh


so I think ya, that's good, okay I had a nice conversation with you about this topic <P2>adila</P2> thank you for having a good conversation


, (mmhmm)


negative experience, in life so


so have you ever felt like uh is there a time where you felt like nobody cares about you, oh what happened


yes yes, okay


oh I see ya actually it's quite not recent lah but uh when I was pregnant with my second one uh I was really having like


you know when you , like when when I was pregnant right I was having like some kind of a depression uh so uh I felt like nobody cares that I'm pregnant like I I expect people to like give me uh extra care and


tender loving care ya especially from my husband and my mom but they were not like that so uh if they don't really meet my expectation uh to towards how they treat me so I I felt like ya they don't care about me


but ya but now I learn like I shouldn't make myself like they you know they call it like self-entitled I shouldn't make my I I shouldn't be like that because ya I'm actually like behaving like I'm self-entitled


lah so I ya now now I learned not not to be like that , so how about uh, is there any uh heartbreaking moments in your life that you want to share


with me yes, no I forgot


(mmhmm) (mmhmm) (mmhmm)


(mmhmm) (mmhmm), oh no oh okay (uh huh) oh okay


oh dear (mmhmm), oh no


you cancelled the what taxi oh okay


oh !wow! ya ya ya


(uh huh) (mmhmm)


I see


okay for me , mine is not as tragic as yours not even close I mean thank god I haven't, experienced a really heart wrenching moment uh


compared to yours but mine is like more like a like a love story you see like I had an ex-boyfriend and then like he couldn't convert into a muslim and then uh he uh so my parents rejected


him and then uh we couldn't settle down we couldn't uh get married that's all ya, that was like ten years ago ya but ya compared to yours ya it it it it's really heartbreaking yours is very tragic I would say


yes yes yes that's that's what I believe yes, uh, so have you do you remember uh of a time you hurt someone's feelings or


ya, (mmhmm), okay (mmhmm)


(mmhmm) (mmhmm), oh no okay how old was she when she


oh no okay !wow!, ya


and then


yes yes, ya, (mmhmm)


oh does her parents know, no !wow! they can do that, oh they can keep it a secret ah


oh okay okay, okay it's oh !wow! for, ya it's embarrassing actually but it's my mum-in-law uh I know I hurt her a lot but the the most hurting uh word that I have words that I ever said to her was when


she was here and okay she's from Turkey so she was here in Singapore to uh to stay and to help me look after my baby, when uh when I just gave birth, uh, last two years so uh she was here to help


but uh there was a lot of conflicts going on between me and my husband because, I don't know somehow my husband was uh not himself when he's around his mom, and he treated me differently so I I felt like he's being unfair or to treat me like that because especially since I just gave birth so uh I told my mum-in-law that uh she has to go back to Turkey


and the way I say it was like you go back to Turkey now, I think you err it's not good for you to be here because you're affecting our marriage that's how I say it, and and it's really hurtful to her because after that I heard her crying but I really at that spur moment uh I said like that because


I'm quite direct in my uh in in what I say but I I uh I know now I learned that I shouldn't say that but uh I I should, say that you should go back to Turkey and then we follow you you should go back first


because I pity you you have to hear to uh you have to witness our fight and, our conflicts and our problems and uh I uh I know your heart cannot take it you're sad for us so I I think it's best for you to go back to Turkey first and then we will follow after it's it's for your own well-being you see


it's me uh uh I should say that uh I'm embarrassed because we kept having quarrels in front of you and that makes you sad, so I'm I'm supposed to say like that but, instead what came out from my mouth was like the like you go back to Turkey uh you're affecting the marriage you see so it's like


shooing her away until now she still thought that I shoo her away even though after I explain to her so many times that that's not my intention you see so what I learned is that words that has been said right is


is is really it can hurt someone ya it can hurt someone really badly more than a a knife a sword they say like they they say like what the pen is uh is mightier than the sword is is saying like


words can hurt more than actions lah so it's it's true lah now now I learn, that that that very , , it's a very uh it's it's a good lesson uh but it's a very uh how do you see that heavy lesson no it's like a very okay I don't know how to say the word but the it's a lesson that I could learn from


ya, uh actually I'm uh I'm a very forgiving and ya I'm a very forgiving person really I I don't I don't really take someone's words uh and then put it in my heart and keep it forever and like remember and then like say it again like oh okay you said to me like that that time no


in fact I even easily forget, whatever that person say so ya I don't really have how about you anybody say hurtful things


oh, I see, that's good ,


do you have a time that you felt like uh you want to give up, , oh because you have been single for a few years right


really !wow!, at what age was that when you gave up, at what age was that when you give up when you felt like giving up


that's too young oh okay okay


(uh huh), ah I see I see, (mmhmm) (mmhmm)


(mmhmm), I see for me when I was taking my degree I actually I didn't tell you but uh I haven't told you but I actually wanted to give up when I failed