ya and since we are talking about circuit breaker right now and the COVID period one thing we cannot do is travel right did you use to travel a lot


oh okay that's nice, yes


oh okay ya I think I heard of it ya, ah okay so like when when when when is the recent


okay you can say like oh how come oh, oh, okay that's so interesting so what were you working as


oh okay !wow! that's like a such a good opportunity right like nice and was it like is it's in lebanon is it like you said oh okay then was it like how people portrayed to be like quite there's riots and all that


oh okay, that's nice, oh okay uh actually I travel quite a lot so uh I would say I've covered asia and uh I did go australia and uh I did a lot of uh I I travel a lot of countries in central europe and uh united kingdom cause like I am like


maybe like four years back I went like a europe trip with my friends, and so we did ya ya it was really very fun and then we being footballers we were like uh just traveling to all countries and watching football games so it's really very interesting it's like one of like the best trip I ever had in my life


really very exciting almost everyday was like a uh very a day like we look forward to because we're going to go to new stadiums and going to watch football match, but then of course like uh like other than football like I really like and travelling because I'll get to learn the culture and the best part is to try out their food no matter which country lah at least you try out their


their like street food and ya I definitely think so too so , ya uh other than that ya I guess


[orh] okay uh ya ya ya like uh I I like sausages but like in singapore it's like very normal right like of course you get the taiwan sausage and you get the cheese sausage and all that , but then when I went to germany with my friends uh there's this called this this sausage dish called currywurst and it's like really nice because like it's like chopped up sausages with like


like their version of curry powder and then like uh their version of like chilli powder so it's like it's like a good mix and then it it was like one of their signature dish in, signature uh would I say dish or delicacy okay signature snack lah uh in dortmund in england uh sorry germany so


uh I mean I fell in love with it lah so much that when I came to came back to singapore I was like looking for places to go and eat that but then unfortunately when I came back they already closed down a place that sold the exact kind of replica dish uh snack


but then the closest I could find was at uh brotzeit do you know where that is ya so ya they have like the kind of similar german sausage currywurst kind of but it never


ya ya brotzeit has but then it never met my met never met the expectation or the standard of the currywurst that I ate in dortmund lah so I'm waiting to go back to try what about yourself like your favourite food you tried overseas


, okay, uh it's okay


oh okay, !wah! nice


okay okay you're making me hungry the ya the way you describe it's like ya it it I think it definitely sounds uh tastes good okay,


okay okay okay so like uh, okay like wandering off from food unless this one also involves food but like like what is your like like proudest moment of your life


oh okay quite cool ya I think uh myself uh, I wouldn't want to say NS because like probably every other guy in singapore goes to NS and so I'm not going to say that uh all of us leave our family and go to uh BMT one interesting I think quite proud I think quite uh hilariously proud lah


I uh I so I I used to play football a lot when I was young and I really wasn't doing well in school as well because of football, and then my parents used to scold me and hit me so much like because like , I'm not focusing in school I'm not doing well in class and exams and then but I'm playing football all the time and then like like they got even like tell me why you keep playing football is this going to give you is this going to feed you is it going to give you uh is this going to pay for your rice you know you know like they they they have such a saying in tamil lah


so uh then I always like uh like keep quiet lah I cannot answer what like ya but then so somehow I made it uh and then I started playing professionally and then my first, uh professional contract that I signed after I sign I straight took the money uh so the first month they like gave me cash


so like I straight I went I deposited the money and then I like uh took some money and then I I uh go and buy rice and then I put it, I put it in front of my parents and say see I bought rice with the money I play football ya so like that's one uh


uh like I felt proud lah I mean my parents were like they wanted to whack me lah but then like I felt proud lah like okay lah not bad at least I I I made it lah I like put in so much , uh effort and time to play football so at least something so ya that's one prouder moment of my life I guess


okay uh thank you then , so I actually wanted to ask you like ya


oh okay ya ya actually I wanted to say this just now so like it was just me and my best friend we went to norway right and then we most of the countries we went we like booked an AirBNB to stay but then norway we like we didn't we just wanted to take a road trip and so we just rented a car for five days


and then our plan was to just stay in the car for the five days and probably like for our uh toilet needs maybe drop drop by at like petrol station and you know get our business done and all that , so it started well and then uh like what happened was uh my friend asked me like what what interesting thing are we going to do then I said we're going to we're going to like hike up a a hill


so I told him it's a hill lah but then when we went there early morning at seven O'clock we saw the map it was like they they they told us is like a six hour hike up and then another six hour hike down and then was like what the shit like you came here we came here so unprepared it's going to be like


whole day hiking then we like okay lah you know what just just go for it lah , so we're like we really hike up all the way there and the the mountain is turn it didn't it wasn't a hill lah it was a mountain and it's called trolltunga which means like troll's tongue so like our the end the tip of the mountain is like a platform that sticks out out of nowhere uh


suspended in the air and it's like looks like a troll's tongue lah so that that was like really very exciting experience uh unexpected experience for us yup, !yay!


I I have personal insurance, I have health insurance under, uh NTUC income, so but I'm, not fully aware of all my benefits lah, but


from what I know, is I'm ninety percent covered and like there's a cap so usually, , whenever I go I mean I was only hospitalized once so far so, and I was like I didn't have to pay any cash upfront


and I was also given like a cash benefit ah, the, uh upon my discharge ya so


it's called care, it's called it's called uh I can't remember so income shield ah yeah that's my, hospitalisation I don't have a personal accident plan


so mine is just uh I I pay rider every year the rest is from my CPF the basic, then but but because, I I want to be able to go to private hospitals uh not be like just, , you know I I I want to be able to have an option to choose the class of ward


that I want, so that's why I took the rider so the rider can I mean I can I can go to private hospitals and also I can get like a class, uh wards, in the hospitals, so at the same time I don't have to like just wait for a bed


if I if I happen to be


I have like one endowment plan, uh, I think it's ah ya that's under manulife but I took it at very low uh monthly premium of like hundred and fifty four dollars, so it's a twenty it's okay this plan is a bit


uh, uh uh a bit different cause it has a hundred and, twenty year maturity so which means, even after, I for example I die even my kids as in whatever money is in there say my next-of-kin or my kids will be able to enjoy the benefits


yup, but it's only a twenty year plan, so I just have to pay my premium for twenty years


recently I learned that, uh, this plan is like, I mean it's like as good as me saving in the bank lah, so cause there isn't like if I spend so okay for twenty years


I think I would have paid, in twenty years I'll only pay say, uh forty, forty or fifty thousand


so that will just amount to oh sorry it will be like, ya twenty years is what thirty seven thousand, and and I'll only get, uh


the guaranteed amount that I will get back is, is, thirty five thousand, and then, and then if I get the non-guaranteed I mean if it's included the non-guaranteed amount, then I'll get about forty one thousand which is like


, just about five thousand more, yes, ya so recently I learned that but it's better to keep the money in there so that it matures and matures they when I really need it then I can take it


but I took this when you know I didn't


uh I wasn't, earning as well like as in I was still a diploma holder at that time and then , I my my my salary my monthly salary wasn't so so high so now at least I'm able to make like more informed decisions lah because I feel like I have the spending power


would say like twenty ten about, ten percent right ya, I mean if you if you're referring to like my income


ya then I think, it will be


ya it's about it's about ten percent, ya, or slightly above ten lah, ya, and and yourself


do you think it's worth it to spend twenty to twenty five percent of your income on insurance


choose which insurance to get


at the same time as in does your agent give you like, options of different insurance companies or like, just, like giving you an option of the type of product that he usually sells, so then you don't know whether you have the right options


uh mine also I'm sticking to like a, a agent I mean he's not really a agent he's a financial planner so at least , he gives me like different, plans like as well I've I've choices to make and I can like, uh consider uh


plans against each other


I don't even have driving license, , yes but sadly now we can't travel so but previously when uh


I was I mean when I travel especially when I'm going to uh, uh, lesser developed countries I I I usually get a higher, coverage for my travel insurance


that there was also a timed it, like I went to say ah vietnam, and I came back with very bad food poisoning so, my travel insurance actually helped to cover the hospitalisation bill


ya and like, and like uh, there were also instances where you know luggage was lost uh you missed your flight, so like the travel insurance really helped lah, ya


recently the ones that I took were like FWD cause like when I when I started taking it it was it was newer in the market so it


ya it's essential I find it very essential to get travel insurance, and do you do you own a car or vehicle


so you can't choose you can't choose your


I am twenty seven turning twenty eight, , I think health insurance is important for anybody whether our age or not but especially when you're younger it's better for you to get health insurance cause you know


some people even tend to get diabetes when they are like in their thirties and, when you get diabetes and then you want to apply for health insurance, , you you you wouldn't go through like application or they probably wouldn't cover you but, so I think is very important when especially when people start working they should immediately take health insurance


so that's the, ideal insurance that you need to take and then like you know for yourself like you're riding a bike so personal accident is very important, if you are if you are driving your riding I think personal accident is important and savings plan so I I think these these three things are pretty important lah


but you know your savings plan can also be your I mean don't have to take a savings plan per se but you can take like an investment scheme, that that that insurance companies do also


I think it's a million dollars, if I'm not wrong, uh I know the coverage is pretty high


there's a cap so I I don't have to even though I I it's it's ninety percent there's a cap of like, I'll only have to come up cash for example say ten thousand, ya, so so it's within my means because like, the government changed they didn't let the I think they had this


uh they made a change like you can't have hundred percent uh, coverage anymore it has to be like ninety five or ninety percent


ya actually recently, uh I have done uh investment with axa, ya so I pay uh


negative experience


I mean there's nothing much to look forward to what, yes ever since I mean we uh can't travel can't do anything I mean, it's quite it's quite like uh


just doing the same things over and over again


I know how you feel cause I also have a dog, and like like every time, I will try and think like I mean like it's so it's so good I mean like, you know, you come back after a tiring day and then your dog is always there to greet you and then I will


I will think like, oh this not going to last forever, just gonna be like they they don't live as long as humans, ya and like like, and you know whenever they are sick they won't be able to tell you, what's wrong with them


you kind of have to figure it out also and, times , so like recently also uh my my dog had like, uh she was sleeping and then so I thought it was sometimes, cause after she sleeps then once she wakes up she limps so what we thought was something very normal


uh but then it was for like a few days so we brought her to the vet, to get it checked out and then she had like a ACL her ACL tore it's like similar to humans you know like, uh ya so it cost like


fifteen to twenty thousand to to get it repaired, or you can just leave it like that and then you know she won't be able to like run, as fast as she could or like be as active as she could but, so so the vet suggested that you know


we we could just decide, whether we want to go for the op or not, ya but we also didn't want to put her through a lot of pain to go to the operation , ya , so it's it's it's quite sad like that that that made me like realise


I I don't have a lot of time, with her compared to like, everybody that I know, and they really love you unconditionally so, it is really very sad and it's, quite scary also when you have a pet like you're afraid of what's going to happen to them


there are many heartbreaking moments, like, especially every time we get out of a relationship, like, that that day or that week you will feel like you whole heart broke you know you feel like the whole world came apart


ya uh but, I think uh moving apart away from that like and I mentioned when I went to, I went overseas to work uh, last last year uh the year before last ya and I've never been uh


away from family so long or friends, I've never been like , like you know just travelling out of singapore, just for work purposes for, a long period of time alone, like even if I had to travel for work it will be like with with with friends or with colleagues


first first time, I I travelled, to a country that I've never been to I don't speak the language, and and the time difference between home and there was also, uh pretty significant uh


so I was ya, the first week I went there I was crying almost every day, cause, I didn't have any friends I didn't, I I could only speak to like uh, family once I came back from work and that would mean that they have actually slept


because of the time difference uh, I can't so it wasn't it's very very very lonely period and, uh, because okay it's in the middle east and, uh, there they only like, uh


okay so so I'm indian right and, uh, there are bangladeshi workers there , they're usually nannies or cleaners so because of my skin colour, uh, they they they used to think that I'm actually a cleaner


or a worker, like a nanny or something so even if I'm walking down the street, , they they kind of wouldn't really give me much respect lah, I, was very sad and it's really difficult to actually even make a friend


uh, I think two and a half months later I managed to make a friend, uh one friend so imagine for two months I was so lonely nobody to talk to uh, I just go to work come back, and then


and then sometimes you come back late from work you, you know you just don't feel motivated to do anything you don't eat properly, I I also didn't sleep properly so it's it's actually a very, tough tough time I would say, it's the most toughest thing I would have ever done


and like even you know when you walk into the shops, , they will think that I'm there to steal something, cause they will follow me around, uh, while I'm in the shop ya so it's it's quite sad lah don't want to go through that again


ya of course I'm back in singapore so


it has but not in a big scale like it was just like a misunderstanding, so of course like I felt sad and distraught, uh but I wouldn't say like


it was such a big, uh betrayal or misunderstanding


there will always, (hmm) ya I actually usually get, like super angry with, with like just uh, like I'm a very impatient person


so like when people ask me questions repeatedly, I I tend to get very annoyed very annoyed like very irritated it's like I really just told you why you keep asking me, ya so it it just annoys me and


actually I'm I'm I'm I'm more annoyed with like what's happening in the world , like you know the whole, like how you know also like, how people feel like they're very entitled, there there's no equality


uh, like really I I I feel very annoyed and pissed and angry like and you and you know, you know that it's always going to be like that no one is going to do anything to change this , like, I'm I'm also also annoyed that you know we don't have a lot of freedom of speech so


like I was I'm like you know, like the black life movement in america, ya so, and then you hear so many cases of like


uh of like you know uh innocent deaths, and and and and it really frustrates you like you know that you you can't really do anything about this


ya like you know like I mentioned like I was I was working in in lebanon and then there a lot of refugees from syria, and, they are there because there was a civil war in their country, and and they have to run away to other countries


and you, must see the living conditions it's really bad it really makes you feel very very sad like twelve people live in one small room with like, there are floods every day , uh, like there's no proper uh


infrastructure for them to even live in that place they just find a room and they live and and and there's four seasons there they have to you know brace the the the storm, the wind the the snow everything and they don't have clothes to wear


like, enough clothes to to keep themselves warm and then, like it frustrates you like you you want to, do more to help them but there's only so much you can do, and then, and then here we have like super entitled people who complain about the free mask that they get


and they want like colours, they're like oh why there are no designs, you know stuff like that like things that like real real first world problems that make you feel so, like like, there's so many things out there to to worry about care about and and here you are like


so self-entitled


one thing that makes me very angry is the is that they they hunt the dogs you know and eat them


positive experience


uh today was okay it was, uh, was my work from home day so it's a better day


many like favourite TV series okay, uh I love money heist, and really waiting for them to like come up with the new season, , and then and then I love modern family !wah! that that that that really really cracks cracks me up it's damn funny


and then friends and there's this another show called good girls I don't know if you've watched it, uh suits, uh so many I I I now can't even think of, the rest


but ya money heist is at the top of my list


I think he's the funniest funniest, ya, and uh, cam at times but, I prefer mitch to cam, ya these, these three ya,


no haven't yes, about dinner, that's one thing that I love I, love food so much so usually I will actually google, like where I should go and ear and then I have like mad, mad cravings every day so


I actually plan my meals every day


I I that that I that I cannot, answer because like there's so many types of food that really makes me happy really you even if you ask me now, one ah it's quite difficult lah uh like you must


give me a cuisine like and then I will tell you, oh I love, I love #ayam penyet# but, like must be must be like traditionally done and I love the #sambal belacan#


so like you know like all these, #ayam penyet# president Ria and all it's actually not it's actually not, as nice as the traditional one, so there's this shop at


at , #jalan besar# there to uh it's quite near little india, uh it's it's it's uh by this couple, and their their this indonesian couple and they make #ayam penyet# like from scratch and they do the chilli on the spot when you order


and it's very reasonable it's only like, five fifty if I'm not wrong, it's very nice, uh ya #impian wahyu# that's the name of the the the ayam Penyet place ya ya I really love food ya uh I I love water but like drinks but


I I don't really like gassy drinks so usually I'll go with like homemade stuff, so like ice lemon tea uh, I love sugarcane with lemon the one at chomp chomp, ya you must buy it from


yes you must buy it from charlie's corner, it's very nice yes, it's just ya , and then, what else oh ice horlicks


from the from the Mamak shops !wah! very nice, ya actually at chomp chomp opposite the ice horlicks is very nice, ya and yourself


what food you like


happy #lok lok# is cheaper, yes it's at Punggol


ya it's cheaper it's much cheaper than chomp chomp but , only problem is that the chilli is not as nice as chomp chomp but I still loved the variety at, at uh happy #lok lok# ya Dilao


I don't know whether I'm pronouncing it correct yes, ya but I don't think it's nice


then what do you like to do other than I mean I love to go and try new places uh, want to eat like, different types of food, like that's what I probably do in my free time actually like on my weekends I will go and find like cafes to go to, so how do you


unwind how do you


but okay I go to malaysia very often especially to eat #lok lok#, , I don't know whether it's considered travel but you know you will go there and do nails go eat do hair, but now, because it's so much cheaper but now you know I mean we do it in in singapore it's still fine I use like this app called Fave


to like, ya so it's it's it's much cheaper for me to take it out of that done, but other than malaysia ya I travel, at least once a year


but I haven't been to many places lah, I I probably been to like vietnam thailand, uh, malaysia different parts of malaysia, uh like Penang Langkawi Ipoh,


I went to the middle east, uh I been to india once oh uh how come I was working in the middle east for like six months


for uh the united nations for like, a six-month, period I was doing I I was just covering uh someone on maternity leave, ya


ya it's very interesting really


as in it's a fun country, how about yourself where have you been


ya I think that will excite me, so what was your favourite, what's, what what's one thing that you liked


like food that you tried in uh like, probably central europe those countries, anything that stood out


actually they got quite a big, a a good variety of sausages


I had here it was like ten times, nicer tastier, and in thailand oh and I love like, , oh my god there's this super nice #nasi lemak# in malaysia, uh it's called uh


I can't remember the name , but it's very nice the the, Sambal is different the chicken is marinated differently I haven't had #nasi lemak# like that here, also the #lok lok# there is damn nice, , but okay like when I was in lebanon that was this one dish called the kanafa


it's actually uh cheese, uh baked baked cheese with like vermicelli on the top different places make it differently lah different places in, middle east they have it in singapore like one or two places but it's not the same as uh not exactly the same like how they sell in lebanon but the one in lebanon that I tried is made with vermicelli and then they put like uh sugar syrup on the top


so then uh but it's very sinful but !wow!, the minute you put it in your mouth it just is damn amazing


I so happy that they extended you know mcdonald hours so at least I can get mcnuggets, in the middle of the night at least


uh I guess, when I went overseas to work uh all by myself and I didn't know anyone, and like how, I I I tried to like , like for three months I was uh, alone but I managed to like


you know get through that whole phase and after that everything was like, fine uh, ya so I think like just being very independent learning how to live on my own, uh ya surviving, something that I thought I couldn't I think that was like one of my proudest moments and yourself


you travelled you travelled more than me for sure I mean with the countries that you listed just now, then which which which which country did you have like the best experience or like something that you won't forget lah


banking, okay so I will start first so my name is safira uh, so today our we will start the thus discussion with talking about my experiences uh having a saving account so for myself


I have two one is with POSB savings account and the other uh uh with the OCBC savings account uh the reason why I have two is because I started, uh working so initially before working I had one lah which is with the the POSB savings account that was from my personal savings


but after I started working I opened up a new one for OCBC uh with OCBC uh and that's where I get my uh salary credited to lah into my OCBC uh current account actually, ya so uh from my experiences I thought having a a uh savings with a bank ah whichever bank lah for me both POSB and ah OCBC was fine uh it was useful for me because uh it helps me to keep track of uh how much money I have left in my my accounts


and also now with all the the the different, high technology right the banking uh all the different banks not have their own app and and within their app is not just uh showing like uh how how much uh money you have back in in your account it actually tracks


how much money goes out of the account so your expenditure lah so like for example uh for my OCBC one right is very good you know because my app actually shows within a month, how much money is spent uh on retail shopping how much money is spent uh on food on f and b and then how much money is spent on transport as well as how much money is left at the end of


the month so that was very useful for me, and then uh likewise uh for the POSB DBS one as well uh it also uh shows uh the different expenditure and one thing I found, useful having a savings account with their bank as well is also with that app right is uh we besides your personal finance information it also provided quite useful tips lah so I think like every day they have like articles


they have uh tips on saving money tips on investing which was quite useful as if I log in to the app, and and took my time to repeat lah so safina what's your experience like having a saving account


ya so for me uh my husband and I we don't have a joint account uh but for me personally I don't for me personally I don't think uh, we should have a joint account lah basic basically because I feel that


like I agree with what you said uh about not about having a separate savings account for individual so like for me personally me and my husband right, we instead of putting uh uh our money in a joint account and then using that uh too like you know I either uh pay like uh house bills and everything we we separated the bills uh among ourselves so for example uh we


like for my husband at uh he will take care more about like the the the car loan the house uh bills the electricity bills and then I will take care more about for the groceries lah, for my baby's diapers pampers and then within our own savings account we just uh proportion uh the money to be spent on essentials and then the money to be spent on say more luxury items like


I either like maybe before COVID we uh on holiday or uh for shopping or family outing going uh going to restaurants, so so that is how we think it should be done I I agree with you like, I mean in the long run right we also don't know what I mean we're not saying that couples will get divorced lah but


in the long run if things don't go as planned and the couple separate then, it just adds onto the legal issue lah having to the uh having to separate your your assets having to separate your finances after you go your separate way so it's just complicates the issue so


right since now now our savings account right so so high tech what you can proportion these for a certain thing you can proportion another uh amount for for expenditure on on essential items, I I don't see a need for a joint account lah ya so just now safrina you mention about your experiences owning like the debit card right then for me I also have


a debit card uh filed for POSB was a uh the passion card lah and I agree with you is is very useful because now right a lot of the retail uh outlets uh either f and b lah uh uh uh cloth shops lah and all that they have special discounts for owners of passion card


so I and I appreciated that because then we can accumulate points right then after that when we go to another shop that uh offers this discount we can actually use the points to offset the the the price of the goods that we are buying so it's quite useful


ya then uh I also have another debit card uh with OCBC it's called the frank card uh I got that uh even I got that uh earlier uh when I started working lah when I open up the the savings account with uh OCBC and it's quite nice because right the card uh can choose


uh which design I want, ya the frank the frank account so yeah I thought it was quite nice and I I think that card is targeted for younger people like at that point of time like I was like in the early early twenties lah so I guess, it it appealed to younger crowd but it also useful because I I feel like debit card right you uh first of all uh you can do contactless payment like paywave


so because now with COVID lah everything right then you must make sure sanitise your hand so use I think using like card, hard cash hard uh hard cash uh using the bank notes, is I think allows for more germs to transmit but with pay contactless payment it's err it's safer for us


and also uh helps because now there's more and more online shopping then I want more this online shopping does, sometimes they don't offer cash on delivery we and you have to pay either via debit card or via paypal account so having this is helps to shop also lah now you can shop your groceries online also so everything also do online so now with a debit card is very useful to make payment ya


ya ya ya ya la but then you have it's your own you must be discipline mah you must check you must make sure ah you you you know that you uh every month your pay comes in then you must make sure this amount you save then the other


amount you know you spend but you must spend within the limit, ya ya so, err I wanted to also like talk about uh my thoughts ah on, like what age a child should be given an ATM card because I think you I remember uh just now you said something about opening up a a bank account right earlier so for my experience I remember if I were to remember ah I received the bank


uh like a bank account when I entered primary one when I was seven years old I think it was with uh POSB I don't know if you remember got like some squirrel uh mascot, ya ya ya so correct so I think last


I I don't know whether now it's still the same but I remember last time during my time when I was in primary school uh every kid uh that enters p one will automatically get a bank account open for free I think at that point was for them to, encourage our uh the children lah which uh like like my my me and my peers to encourage savings


but I think for me personally right, uh okay at that point of time because uh internet banking wasn't , wasn't err something that is, uh as prominent as today uh I've I felt when I was younger you it would have been better if they have encouraged us to save physically in like a piggy bank because then it it helps us to see the value of money it helps us to see like oh uh as this goes by as we save


the money gets more and more, and then that would help us appreciate why, ah we need to save ah yeah so, yes


it's not so the what I remember is the account is in my name but yes the parents will have to uh put the money inside lah correct ya but but I felt that at that point of time it doesn't help because you, I didn't get to see as in I it's my own money lah so it's my pocket money I give my mother then my mother put inside my bank for me right but then I didn't get to see like the money growing cause


as a young kid ah I I couldn't imagine like act at there's it's hard for me to imagine the numbers and imagine the that money growing ya so that's why as as I look back at my experiences I thought it would be better if they had encouraged us to save physically lah


ya ah so so yeah so then, at that point of time I don't think an ATM card should be given I'd I think I wasn't given ATM card lah but if they were to do this again now I don't think ATM card should be given to a child that young uh but it said after saying that now with the age of internet banking


uh I I think uh and and I think our children are now more savvy online I feel that yes maybe you should uh have uh the kids to have a savings account with the bank and have access to the app to see their money maybe to see how their savings progress lah


in terms of giving an ATM card to be honest uh uh they shouldn't be given uh at seven years old but I uh they should be may be given uh at twelve years old as they grow older I think they are more matured they are able to uh to plan their finances better, uh so then yeah and and then I think going at twelve years old all going to sec one they should learn how to manage their finances lah so what do you think what's your experience like uh when you were younger or do you even remember you have any any bank account last time when you were young


ya so


ya so wanted to also I also wanted to like kind of share my experience of getting a loan uh so as you know right uh I I after got getting married I purchased a HDB so I I've been living in this HDB for err six months already so err


what, I wanted to get a loan walk for was for renovation lah cause I I think renovation very expensive so uh so I had uh I applied for a loan with citibank, I've eh no sorry for with OCBC bank for renovation loan and my experience was actually not bad because uh is quite uh seamless because I got in contact with the bank officer via whatsapp actually


and then err so uh the bank officer actually gave me instructions on what documents to submit what err uh what are the process like via whatsapp, and then everything is done online so uh all the forms that needs to be filled out uh and then all the documents that need to be submitted like my CPF statement lah my uh I think uh also the


the uh renovation uh quotation from the uh renovation ID every err everything else as well as the amount I needed, all were submitted via online and if I had any questions it was so simple to get back to the bank officers cause it's via whatsapp it's actually quite twenty four seven so uh and and actually got the the loan approved in within a few working days so I thought now applying for a loan it's quite uh seamless


is uh is also uh easy for us to access the information online lah so that was my experience I don't know whether you had also uh tried to get a loan before, so but


what when you when you uh get married you think you will need a loan,


ya lah I I mean that was my feeling before I got the uh renovation loan ah because, uh I scared like eh what if uh what if, like you say either me or my husband lose our jobs right then you got no income then we we cannot pay the monthly uh monthly bills lah and then cannot pay back the the monthly loan from the bank but I guess


it all comes back to your planning lor so I guess is also you discuss with your bank officer like what would be a safe amount uh comfortable amount, for you to pay monthly so because you uh with a loan right before you get a loan I I guess you can talk to your bank officer like what is your repayment plans like like how long you want to pay these loan for


and then they will calculate lah every month what would be the interest uh accumulated uh for that amount of time that you have to loan, ya so I guess you can talk to your bank officer like uh what would be a comfortable range uh given your financial circumstances right now so I


I yes there is amount of risk but, err I guess, sometimes you just cannot err run away from getting a loan lah in singapore right so everything so expensive lah renovation so expensive


ya unless you are super rich right then you can pay everything by cash you can buy your car with uh full amount you can buy your HDB full amount then you don't have to take a loan but I think that, there at a point of time there is a a time where you might need to be a loan so I guess knowing how much you can afford and and also talking to the banks are the bank officer in charge of your your accounts uh what would be the best will be also useful lah


ya then also I think talking to like people who have taken uh have experience taking uh loans or taking any uh credit card also will be useful for you to gain your knowledge ya, so


ya so I remember from my renovation loan , it's it's okay so how it works right uh it, uh they will give me the amount uh that I need, uh via checks so like so for renovation loan right it's like you cannot anyhow use it for your personal loan you know because it was tag


to to the renovation ID that you you need to pay too so for my for example right if I pay forty thousand I need to tell the bank like uh how I want to split the forty thousand in the checks because it's according to the payment schedule that I have to pay to the renovation ID, so like for example if I need to pay renovation ID in uh four stages then I tell the bank okay that forty thousand need to split into four cheques and then each cheque how much I need so ah when I learned they will they will just issue the cheques


with an expiration date lah then uh then every time I need to pay the renovation ID I will hand over the cheque to their renovation ID so there's no technically there is no uh like cut my hard, like hard cash given to me ah but it's in the form of cheque so that I can give the renovation ID but in terms of payment ah it's actually tagged to my OCBC account so ah


how is it quite easy to to pay back lah because I can just transfer the amount I needed from my savings account into the the renovation loan account like a bank transfer like that and then uh every month and then that's that's done so there's no need to go like AXS lah there's no need to go to the banks it's actually very easy


ya (ppl) okay


negative experience in my life okay


yeah so I I I have but actually I wanted to also that share with, with you like what I felt also when you went through that bad experience in your life so I remember, that uh there was this one day uh I was staying at my mother in law's place uh for a stay over with my son and my husband and then you just called me one night crying and telling me the news and I think that was also have a heartbreaking moment from lah to be honest even though I am not in your place I'm not in that relationship but


you have but, your relationship was so long was ten years and I've I treated your ex fiance like my younger brother also already because of the time that we spend together and I think our mothers also our mother also


already treated him like a son so when when I get to know I hear that story from you right I and and that and you told me that he cheated on you for so long, and then you guys are ending your relationship and calling of the marriage I was uh very shocked but I was also very angry that he did that to you lah because I've seen uh all the different sacrifices you made like


like I remember like you know you you work so hard to save up money for the wedding for for your marriage marriage uh and you work like overtime everyday, then your saturday sundays is your off day right, but then you still like come over to err his place early in the morning to cook for him because uh I think at that point of time his mother uh either was away or was sick and didn't like you know manage the household so


you went over to cook for him you spend time with him and then when he needed help you you you were there for him twenty four seven so I I saw like you were really invested in that relationship but then to know that, he didn't, he he he didn't put in his hundred percent in your relationship were also so heartbreaking for me lah to see you my sister like being in that way dark place so yeah that was


one of the more heartbreaking events in my life even though it's not directly happening, to me but it happen to someone in my family someone I know so it was really it was hard lah so yah I I'm to be honest right now I'm still angry with him


uh in even though I know that you guys are somehow are friends now, I have to respect your decision but I really am not happy with him and I I don't think I'm able to hold a conversation with him if I see him uh outside uh so


ya so but I respect your decision to be remained friends with him but that's my how I feel lah so I think let's let's talk about another issue I actually wanted to, talk about what I dislike about the older generation okay uh while the older generation uh


have their their have some of the good things about them you know they they they help us build our country and their, they they share their experiences with us, but I think one thing that I is a pet peeve for me ah it's like, everytime go MRT right !wah! like they really uh expect uh anyone younger than them to give up their seats to them like what I irks me the most ah is like they can


they they they say ah they show like their leg are painful ah but then whenever they go into the MRT right !wah! they can run to the to the seats leh like I cannot I cannot like wrap my brain around that like you you get the fact that you can run to the to the seats


but then you expect people to give you a seat because apparently you have, leg pain to me it's like it's a very it's a very entitled thing lah just because we say oh they are certain seats that are designated for the older folks right doesn't mean all the time you had you need to have it lah so


you and and uh what irks me also like yes I agree in giving up seats to the elderly but I what I makes me very (ugh) is that, they the way they want the seat you know it's like they don't even ask, for they don't even ask or like sometimes like you know like when you're in the MRT right when you reading a book or sometimes you take a nap or listen to music you may not necessarily uh noticed that there's an elderly person in front of you right but then they will stare at you right they will literally stare at you oh at the at the top of your head to


to make sure that you look up ah and give the seat to them and then, like sometimes ah when you give up the seat to them right the they don't even like show appreciation also thank you or what I think they just like give roll their eyes at you ah like say like why do you why take so long for you to give up your seat so that is something


like I feel that, the behaviors of the older generation ah I I don't really quite agree with, uh but, not to say that all of them are bad lah, some of them are really nice like they if they really need a seat they do ask uh and I and if I do see someone who needs a seat I will immediately give up lah it's just that uh the this kind of like bad behavior like


like that kind of sense of entitledness right like uh I don't really agree to yeah so that's what I been wanting one specific thing that I dislike about the older generation I don't know if you have the same experience as me you want to share


ya so ya lor this that that part lah like like that that you know that that face that they do uh then with their that that they they made that select you know that chit right that that thing our everytime I hear that, chit from like aunt the old auntie I very angry ah also got one


ya so there is one time ah recently I was walking with my son ah uh at Bedok interchange you know you know at you know rais ah is two years old right then he likes to walk but then he walk also not very stable one right then !wah! then then got this one aunty ah I mean you you see


see there's a kid walking beside you and then the kid not stable then you move aside a bit lah but then she refuse you know she continue to walk her path she expects my son, to to move eh then my son walking walking then maybe cheeky cheeky right then accidentally touched her hand ah then she !haiya! she chat like that like my son like a germ like that ya !wah! I very angry you know but I didn't want to make a scene


so I just ah quietly just uh pull aside and say okay never mind you walk this side ah you play this side don't go there but I feel like !wah! I mean you you want to bully a small boy ah it's just small boy and a boy small boy also not purposely touch your hand was accidentally touch also what then still want to !haiya! !haiya! my son !walao!


ya that's the thing lah like some people right I don't know like make why they must be so rude like it's it's not hard to uh be uh be polite what it doesn't take a lot of energy what right but then I feel like you work you shouting like that you use a lot more, energy then as if you were to say nicely oh can you please book another grab because I cannot uh take you is a is a policy there is just I feel like it's so like ridiculous lah like you rather spend more energy to scold people to be rude to people rather than save the energy to be polite like what the heck like it takes


more muscle to frown than to smile, it's so crazy, ya so ya so that's like !wah! one of the human behaviors that I totally detest like all these people whose like ungrateful entitled rude !aiya! that we don't we don't


owe them anything why must they be rude to us, so actually I wanted to ask what is your greatest fear, like for me right even though it's even though it's like, something that is, err not err it's uh even though is some a fear is something that you can overcome but I really and truly truly afraid


of of cockroaches, because, the cockroaches they are the most disgusting pests ever they eat okay leh I don't know whether they eat rubbish but there are always found in rubbish bag uh rubbish bin very dirty places and then uh they can leave these trails of germs wherever they go so I really hate it


when I go to a restaurant and I see like some cockroaches because you know if you see one cockroach there's actually a a nest of them lying somewhere so recently I read this article about these twenty house at #jalan kayu# or something right are they were forced to shut down


because they are at the NEA found that cockroaches in the ah in the restaurant so I think their hygiene levels not kept up to standard and so I I really hated, to see like restaurants having cockroaches and and, it irks me because I ate there before so which means I eat dirty food so it is really really disgusting I really hate cockroaches I don't know and I really fear them I I fear and hate and


and disgusted by cockroaches I don't know what what's your fear


definitely definitely, my family members my my close ones lah so for uh, you our mother because I I guess you you guys have been my life, since the beginning of time and you've seen me grow you've seen you've been with me whenever I had any heartbreaks or uh disappointments in life and you were there for me that no one is there like like you know people come and go friends come and go ex boyfriend friends come and go but you guys are always a constant in my life


so that ya so I really am afraid of losing you guys and now uh, I'm also afraid of losing my son because I think if you remember he was once hospitalised for a month for meningitis so that was a really scary point in my life and I would do anything to take away all his been uh and yeah I would never want to experience losing a child because


it really hurts ya so, that is one of my besides cockroaches as well my greatest fear is also losing my son lah is that is the one thing I have in my life that really keeps me going, ya so it yeah


positive experience in my life, okay maybe I will start first so hi my name is Safira so maybe I'll just start uh sharing with you uh what, a travel experience that left me in awe so uh I think there are a couple but I think the one that really left me in awe was my honeymoon to maldives lah uh it was


I think it was the best experience because right it was right after my wedding right know you know how wedding preparations is so tiring, and it takes up a lot of your energy so when when I really landed uh at at the airport and then while waiting for my my uh my airport transfer right it was like !wah! really the start of a relaxation time for me lah so really what I did


we was just uh hanging out at the villa and then doing some water activities sleeping eating and really do nothing one because there's no shopping I mean besides the souvenir gift shop lah there's really no shopping , uh there's no like city life there's no hassle and bustle it's really just like island life really relaxing


so I think that was and and the waters ah !wah! I tell you ah the waters i really freaking crystal blue, it was so nice ya so I I really enjoyed myself there uh and, and I want if like the travel restrictions now are are lifted I really want to go there again just to experience the relaxation lah


how about you


in primary school uh okay got but then right !aiya! I don't know ah it's a it's also a, Paiseh it's a Paiseh moment lah for me but I remember uh when, was primary six uh


I think after PSLE then there was this period of time like there wasn't because of you you were done with your exams already mah so I think that teachers also think like ah no need to study already lah no need to learn, so there was a bit of time there were a few like we don't when we go to school we don't have to study one we


we just had we either had activities with the teachers or the teacher give us free time uh to play then uh then there's this one day where they announced that uh for the P six cohort right who's graduating right they are they were they wanted to do like a talent show lah


so then uh me and my friends in my class he said okay why not as a class we sign up, uh to sign up to join and then uh we so we then we there were couple of my friend like there was some boys and some girls uh then I, we decided to do a dance item


so we initially we wanted to do like bollywood dance but but when we we we did like the training and then we we tried to follow some steps from the bollywood movie right ya cannot make it lah especially the boys, so funny but then uh after that we decided to do I remember was a pop song from this band I don't know whether you remember S club seven ya so I I can't remember the title and the song now but then we decided to do that and then


like all of us came ah like like come together to choreograph the dance and then we all chipped in ideas and then eventually when we uh did the talent show, uh I think my out my class got like may not the top three lah like some consolation prize lah but


at but that's not bad right consider that we we don't have any dance background so I think we won like fifth or sixth consolation consolation prize ya so that was quite memorable lah because, it was very fun uh there was no stress than everybody come uh and and cheered us those who in our class who didn't participated uh also came uh to our training session our practice sessions and then cheered us on and then give encouragement some of them even tease us lah


and then uh I remember there's this one time where we it was a saturday we we thought that we needed extra practice so we went to one of my ah my classmates house and then we practice and then we had a laugh, was quite fun there ya but sadly we all uh lost contact because


it has been like so many years ago and we all led our life so ya but I remember that is to be one of my most memorable time in in my childhood in my primary school yes, ya


ya so I similar to your, what you have just shared I I guess uh for me, in life I really treasure the family bonds that we have so okay so uh to be honest ah when I was younger right all I could think about was like


really uh what what what job would I want like what job would pay me the most you know uh what job will give me the most recognition but then as I got to then I got the relationship and then ah got married and then eventually had a baby my life goals actually change lah like now


instead of trying to be the best at work, I I feel that sometimes ah , if if the work uh doesn't really matter ah no life and, death right then I feel like okay lah it's it's fine I don't have to complete it there and then because I feel that what's important is I go back to uh go back home and spend time with my son spend time with my family lah so ya so I guess life


the best thing about in life right is that it as you grow older your perspective changed your views change and then you you think about things in a different way ah it it makes you grow it evolves you


and ya so I for me personally right now uh the best thing in my life right now is my family my son and uh and okay lah and the stability I have from my job even though that's secondary right now, ya so I, I wasn't wanted to kind of share with you uh what was uh the time when I can't wait to attend a special event or concert so I don't know whether you remember by I attended maroon five concert like last year yah so that maroon five concert


!whoa! that ya you just jealous but so basically uh last year lah I think it was last year ah uh I wanted to go for for that concert but I couldn't get the tickets, err because I uh it just so crazy I think the sistic was crazy lah I couldn't get into the the system but


but but somehow I think the luck my lucky stars align one of my colleague who got the the ticket, right ah couldn't attend because he had some other last minute obligations I think it was a work related obligation so he actually posted on facebook you know he said like anybody ah wants to ah get my ticket lah to to buy the tickets from him ah at at at at at uh cost price so he didn't mark up or anything lah


so then I saw that he he posted on facebook I quickly like immediately I uh PM him and then ask him I want to buy the tickets uh right then but he said oh have to wait lah because uh I think he's, friend already is like soft book their ticket but he said are at sixty we'll get back to me if if it's our friend decided not to get so it was like the whole day was so anxious because I really wanted to go to the to the concert was maroon five adam levine or who doesn't want to see adam levine right


so then I I waited waited waited at six PM I couldn't concentrate at work you know I keep checking my phone and finally at six PM he said okay the tickets are yours ah then he give me the like our ha his paynow details and all that lah so then finally I I, manage to get the tickets and then on the day itself right and I and I went to to the to the concert with my husband so on the day itself I actually go to work I brought extra clothes lah cause who wants to go to maroon five wear your office clothes no one right


so I pack like all my nice nice clothes and then like right at err like five thirty when I knock off I went to toilet than to change and everything and then I went uh over to uh the to the national stadium cause it was at the national stadium, then uh throughout the whole journey right I was stalking adams levine's uh IG you know then he


and then uh and he he posted like quite regularly on his IG stories lah on like oh I'm on my way to the national stadium see you there, and then halfway through when I was already there I was checking his IG again and apparently the maroon maroon five was stuck ah actually uh it's some traffic jam lah so we were all like anxiously waiting and then the concert actually started late


but then when he started like oh my god uh I really really enjoyed the session, like I enjoyed the concert it was so good ah the only thing that I had issues with was I think the stadium wasn't meant for concert like that because you know stadium right they have like a, like a middle like like ground like where they had the soccer field uh for for soccer matches and then there's a running track and then there's the seats but actually if you see like real concerts right they don't have that like the audience and the the the people right they are not so close and then also far off lah


so I felt like the seats I had was very far but luckily there were, big screen so I could see him up close still lah and but ya it was it was really a memorable experience it's actually my only concert in my life that I attended so I was grateful that I managed to catch him and catch them actually when they were in singapore yeah so have you ever


of course ya, ya lor I also don't don't think so but now good news lah I think some some shows some events uh they're opening ah I think like uh they're opening up to maybe about fifty to hundred pax


for show so I heard uh recently I don't know if you know about this are like local ah comedy duo called ah vonda winder vader and mata mah right they Lepak one corner track ah I think they are they are planning


to do like a weekly events but with small group lah so just to to get people to see them life again because I think previously they did like live shows, ah at Tampines hub and and like bigger spaces but now since COVID cannot so they want to get back in the groove


so I I was listening to their podcast and they said that oh once the restrictions uh is up they will start doing more live shows but they will limit to like maybe like fifty pax per session ah so I'm looking forward to see them live cause I miss their live previously ya


ya so


yes I've I've tasted your cooking and I agree actually there's there's one I want to say that is one of the highlights of my life also because really ah your cooking is really nice not not to say that just because you I know you but it's


I I feel that why you uh like your cooking right it's it really taste like our late grandparents cooking lah especially our late uh late uh grandmother so and is very traditional lah I think you cook, you're cooking for traditional dishes are better so traditional the dishes like ah Ayam uh ah #ayam lemak cili padi# which is uh chicken


in uh yellow gravy err in spicy yellow gravy ya it's really really nice so I like that ya, ya


that's nice that's nice yeah, okay so can I just wanted to, uh share what is the best thing that I have done for myself, I think err personally uh the best thing that I've done for myself is really


to , err to get marry and have my son Rais I feel that my whole life change , uh since I got uh since I gave birth to my son Rais lah he's now two years old uh and he is a very cheeky little monkey very naughty at times test my patience at times but he really lightens up my life and I think lightens up the life of


my family I am a family members as well like yourself and my mom uh because he is so like I don't know lah like even though he do naughty things right, you still very cute leh ya so it's so hard for me to get angry but sometimes I have to lah I pay to discipline so I I think that's uh I the best thing that I've done


like or in a way I have created ya so what about you, ya


ya he's the best alarm clock you have because you cannot snooze him your alarm clock you can snooze this boy you cannot snooze yah so err, ya it err maybe we will share what is my we what is your best surprise if you have any


my best surprise ah err


banking


okay uh I'm Safina and I have a saving account with uh POSB uh it's just a normal uh passion debit card I have it uh that time I was I think fifteen years old my dad open up for me so I think that time was when we are underage


err we have to uh have a parent to put in five hundred dollars to open up an an account and uh at that time I wasn't working and , my my dad just wanted me to have my own savings so I can learn to be independent and and when I got myself a job I can save up


using that account and then at first I was it was just a normal nets card so as years goes by then I change to a passion debit card and then what I know about the passion debit card debit card is


they have ten ten percent cashback on err I mean rebates on supermarkets or like cold storage giant and I think that is good and , also I think uh now bank cards can use as an ezlink card but I never use that before so


okay and then , I also like would like to talk about err, what I think about couples combining their finances or opener a joint account so, personally I think couples to for me lah couple shouldn't open an account like a joint account because I think


every person individually should have their own right to have their own savings, meaning like they have they they don't have to let another person know of their own savings so that they can keep their money for, like rainy days


and then I have a uh experience like for example my mum she has an open she has a joint account with my dad and then uh something happen so that she couldn't, like she couldn't trust her partner with the money


, so maybe Safira you can, err share with us, any experience you know about joint accounts


ya correct


the design right


also dangerous you know because you can keep on ah buying uh buying your online things with debit card then just like you know keep on spending ,


, , ya


yup


it's a a kid's account kids bank something right, it's for kids one ya but


but Safira you you say you had it do it seven years old , but seven years old uh you don't uh hold your own account right your your parents will will uh, help to do your savings


, ya,


ya , ya yup


, like for me personally I think uh the best age for a child to have a their own bank account is I think like maybe sixteen is that's the best age when they


like uh go out and get part time jobs and then having that account they, can they can independently save their money and then uh by their earnings and then they can uh learned how to save on their own you know don't have to only depend on parents since they're already working they know how to earn their money to


having their account they can they can learn how to independently save the money and then uh know what it feels like to to earn, uh to have their own hard earn money , so


do it so Safira, sorry you were saying


no I don't have any uh loans because now I'm single so I think having just one saving account is enough for me just one card


I think I do especially for if getting a house ya but right now I think uh, I'm a bit skeptical with taking loan because I've heard experience like they they couldn't manage to


pay the loans on time and then the interest will be like will be very high and then end up getting bankrupt being bankrupt and all that and kind of made me scared to even get a loan ,


ya I think all singaporeans will will will somehow get it one loan in their life because unless you are really like where you have a very well paying job or something ,


ya exactly,


I think every everybody will somehow take one loan especially like when they want to buy a house I think definitely will have one you will need to take that for renovation loan and all that ,


!wah! hearing your experience and makes me like I really need to plan out my finance [eh] (ppl), (ppb) (ppl)


negative experience in your life, okay so I would like to start first I'm safina uh I like to describe a time when I ended a relationship with someone so uh


uh this is my uh ex fiance lah so uh I've known him since I was in secondary, school err so I was in sec one and he is in sec four you can call us like high those you know like those high school sweethearts so I was in a relationship with him for ten years


so seven years of dating and then we decided to take to the next step which is to get engaged so we got engaged for err three years, so uh you know three years is quite a it's a very long a very long


time to before you get married right so, so in these three years we we prepared a lot of things for the wedding and then we also apply a BTO, so err so err, to cut the story short I think in during the last year


err of our engagement it was in during fasting month so err I found out that he cheated on me and , sorry so err I think it's about


maybe about five months more to our wedding then uh I found out that he cheated on me with a divorcee with two kids so so it was interupting my right so we have five more months to go to the wedding so


I uh, I told him to uh, end things with the girl with that lady lah so cause we are going to get married ready and we've come a long way why why do you want to waste our ten years on someone else that don't even know you so uh


uh I I give him time I I stayed patient and I gave him time to end things with the girl so it was a very tough period for me , uh wait, when I go to work I I was really distracted I cannot focus on my job I I cried a lot at work and my colleagues all witness it as soon they give me a lot of support ah which is good but then


so , I think, I didn't see any changes in him and, he he our we we were like we drifted apart we we we couldn't vibe any more we didn't have any more chemistry so uh


the bad thing is that I didn't tell my family until the very last minute because I was feeling really ashamed that it happen to me, and uh so , the last month before I had to


decide to cancel the wedding I shared with my family like with my sister Safira my brother in law and my mum, so uh, , like we discuss and they open up my eyes to to uh make the decision to


to cancel off like to stop things lah because you know if if I don't do it now then maybe, I had to go through again after getting married so I think uh, , it was a very difficult period for me that I tried to put a brave front in front of everybody but actually I'm breaking apart when I go I go to work I act normal then when I come back in front of my family I just uh put a brave front and I just pretended that I was okay so


the moment I go inside my room I close the door that's the, time when I breakdowns like nobody know I was crying I was like feeling very I was I feel like I was in a very dark place lah like I feel like my whole world just crash in front of my eyes like you know like you love somebody so much for ten years


and then suddenly like he just he just uh decided, to throw away everything everything that you have go through with with him like all the all the thick and thin everything, oh the sacrifices you make for some the people you love he he just decided to end it to like cheat on me and just


if like I feel like he I feel like I don't have any more value in his life so I think that was the most uh difficult period for me to you know like I always fear uh that like I see I have friends that uh


got broken up before before their marriage in order and that was my fear so I didn't expect that it would happen to me also ya do you have any uh bad experiences or negative experiences like ending a friendship or relationship Safira


, ya


ya,


, actually I do you know I I I sat at the reserve seat before and then err to be honest err


I I fell asleep lah then like you say we err I, didn't realize there's an elderly in front of me so I was sleeping and then there's this elderly lady lah, she's she stood in front of me she was holding like a a you know those an NTUC bags right the grocery bag ya she was holding she was who uh holding onto the the the bar and then the bag was on her arm then the


as the train uh goes by right the bag like hit on my knee a lot of time I was sleeping right at first I didn't realise then the the bag like she purposely you know like hit the bag on my knee so that I wake up and then give up give up the seat to her and then


err, I was actually cause when you wake when you are sleeping then when you wake up you feel kind of annoyed right so I didn't like tell her off ah I just say to her uh uh aunty you can sit down then she like say to me uh !haiya! young people also ah want to sit and reserve seat ah you cannot stand ah pity lah all those elderly


then I like you know I'm not the kind to confront ah but I showed like this very, annoyed face to her ah but if you want to sit you can just tap on me nicely and then can you please give up the seat I I I need to sit uh just say something nice I would like willingly give the seat to her and some more I didn't notice that she's there I was sleeping and the train was packed


yeah so , , , ya ya


that's actually like effective to me though the chit chit thing , ,


I also have an experience you know with your son and that day I fetch him from school so you know those uh, like you cannot uh book a grab with uh with a child I think you need to have a car seat or something then uh usually that time I if I book a grab usually the grab drivers will take you know so I have to book a comfort lah in order for two for like an adult and a kid to


like you understand like the grab drivers they don't take uh, a passenger with a kid unless you have a car seat like a baby seat then, I book a grab so when the grab driver come he saw me so I thought like he wanted to help me uh


open up the door or something but when I open the door he saw me struggling with your son and then the grab driver like like in a very uh rude tone his voice he say do you have a car then uh, I was travelling with your son to carry his bag and I was carrying him also so I didn't really hear what he say so he repeated he said do you have a car seat


then I say no I don't then he said oh no no then cannot cannot you cannot coming you cannot coming then he like the tone of his voice like his like raising his voice you know and what triggers me was he raised his voice in front of a kid your son ah a small kids we can like just say nicely like


uh I'm sorry we cannot uh take you uh take you because you do not have a babysit or something he can say nicely then I would I would like happily just cancel of the book because it was also my fault because I didn't know that grab cannot grab's policy like they cannot take, uh an an adult and a kid or something without a car seat like he can just say nicely but then he raised his voice that's what


triggers me a lot lah like in front of a kid eh he like your son was he looks like a bit afraid because he literally like raise his voice eh no no no you cannot come in cannot come in then I I just shut the door then he just like drive off like that, like annoying leh why he cannot like just say nicely you know


, , ya,


ya, , ,


my greatest fear is is not insects ah but my greatest fear is losing my family my mom at uh, throughout my life he's she's the the main person that has been with me so


like uh the thought of losing her like just the thought of losing her right can bring tears to my eyes, she's like my number one supporter my even though I do bad things in life right she she will like give, she will make she will turn it to a positive thing and she will just say uh it's okay you can do it you you don't have to feel bad uh about the mistakes that you've done you know ya losing it I think losing her losing you losing my family ah I think I don't know what I would do without them man


do you have a like anybody that you are afraid of losing,


(ppb) ya I'm also afraid of losing him say his his like (ppb) my happy pill


positive experience in your life, okay ,


I also uh traveled before my furthers was I think to Jakarta it was with uh a friend and his family so she he has uh an auntie who lives there , I mean she migrated there and then she's an interior designer there so she owns a villa at Jakarta I think it was near uh Bandung or something so her villa right is is like at the top of the hill so we have to go up the hill and then like when we got there but not not


by walking lah of course by by a vehicle then, we can see all the, the small small Warung you know like singapore don't have all these small like Kampung style Warung right so to see all that right it's very like, it's nice ah then so when we reached the villa the villa is like surrounded with


it's like a jungle you know so at night when you sleep !wow! really scary say like but it was cooling ah the the the ambiance there it's very like you think it's hot but it's actually very cooling you don't even need aircond or fan to sleep then I think that's that's the the


best part when I get to travel cause my and at my age now and I'm single I think I cannot really travel much, without a guardian you know so when that time I get to go when my parents allow me to go then I have !wow! it was really fun so I also like to share some memorable moments I had during my younger days


it was in primary school that was the best childhood moments I had ever so you know I was born uh, plump size right so I have to go to TAF club and then I have this one mentor


err so every day uh I have to go for not everyday I think maybe like two or three days in a week to go for TAF club so I have this mentor who really supported me and cause a lot of , my friends you know ah primary school kids like to bully right then they say eh you so fat ah you so fat ah the earth is if the earth is shaking lah you when you run and then when I go to talk about there's this mentor she's she's a very nice girl lah she really supported me and when we have to


go for like those you know those uh two point four runs, at go back and for that one ah she will run with me right if I cannot if I cannot go right she will like stay by my side and just support me and and say you can do you can do it and so, it was really nice ah like especially during primary school primary school likes I think young kids don't really know how to


like they only know how to have fun what then like to like made fun of people, hurting but to have a mentor like that in my younger days is really nice so do you have any memorable moments in primary school,


ya ,


yeah so I wouldd like to also uh, talk about what I love about life so I think it definitely will be the , like the positiveness uh of life what life has to give lah what life has to offer so


like I think no matter what life throws at you right like you you can uh, you can choose how you want to handle it like if life throws you like some negative things that you can like cast it aside and know I'm I'm not gonna entertain that and I'm just gonna live my life positively and keep on growing and be happy and uh and be contented with all the little things that life has


to offer so , also like uh, then I think that being positive in life right it will be easier for you to go through your days and you know like be happy with your family uh


and just spend time with them spend quality time with them even if it's just sitting at home like netflix or something you know these things that really will will make you feel happy and you won't think of whatever like negative things that life will will like throw at you so


what do you like about life what do you love about life Safira ,


, !huh!, I don't remember ,


, yeah


that sounds very fun , I've never been to a concert before but I think now COVID also I think won't there won't be any artist coming ah singapore ,


oh I see that's nice, I I also like to share with you lah people or person uh I cherish most in my life uh, so did there are two people that I cherish of course my mother I cherish lah forever then there are two people I cherish which are my uh late grandparents my mum's uh my mother's uh parents so


they are they were both really, great cooks my grandmother so when I was in primary school after my school because my mother is working right so after primary school I will go back to my late grandparents house and then I will always, see them watch look at them uh cook


especially especially my late grandmother so I will seat beside her and just see what she do whatever ingredients she cut or the methods that she used to cook, then from there I learnt how to cook at a very young young age I think my first time cooking was in primary five


then uh she didn't teach but I just just by looking I can know what to do to cook ah so like I feel like she my late grandparents have passed down to me their , their ways of cooking their skill so


until now uh, those skill stuck with me and then I managed to cook a lot of delicious , food for my family to enjoy and they really enjoy my food lah so the satisfaction I get from my family eating my food right it's really it's a nice feeling ah I think is a feeling that you cannot get anywhere else like especially when you cook for your family seeing your loved ones uh


eat , whatever you cook even it's a very simple dish like fried egg or something like when they enjoy whatever you cook I don't know I feel like the feelings really nice lah so you Safira do you enjoy cooking


with coconut gravy ya, ya that's why I I cherish my grandparent because, now they've even though they've already passed on so I feel like I can pass their love of cooking, to our family members


you know like they can still somehow taste uh, our late grandparents cooking somehow through me , ,


ya I agree, , ,


, ya right now, not like ya you say your son right turn out are usually wake up, uh everyday around nine or ten so he always you you uh wake up at seven AM right so he he's like my alarm clock you know he will go into my room and then cause he calls me Mamai he will go into my room #mamai mamai# he will attack me then I cannot then when I have to wake up lah cannot sleep back


ya then I have to play with him like he's very ya he's really cute lah he he, lightens out my day everyday like with his cheekiness like with his cute laughter, ya ,


so uh, , I can't remember if I have any best surprise I don't think I have eh do you have


(ppb), (ppl) (ppb)


part one finance, yup uh, you just give your general views on finance ah


ya since you're talking about personal finance I think we can talk about how important insurance schemes are for us like you can agree on that right nema, like how like , when it comes to insurance the basic thing we know is like what medical insurance like touch wood if something happens you know like in this uncertain world like any form uh disease or even your health my health related conditions


ya we I feel investment actually I mean insurance is a really important thing, uh what are your views on like, stock related like, personally I'm not so, well , well informed about stock like but do you know what do you think about stocks and stuff


yeah


yeah goals yeah , yeah true


for me personally I'm, as I say I don't know much about stocks but what I know is that before investing there're like two to three factors that we should actually look, like such one is the investment time, like uh, usually people think like [orh] stock okay I put two dollars today within one month I'm going to get back like two hundred dollars or something like that and I feel it's a wrong way to actually approach the situation of how the stock market works and


they should also consider the overall overall financial situation like how many percentage are they actually like how, can they like allocate just for stocks some of them go all out some of them go like really less, like they should actually know, how much they actually, expect to get out of the stocks and stuff like that like that's the usual complain like [orh] I'm not getting enough [orh] stocks fail me or something like that but definitely if you see most of the people like from my understanding


actually invest in stocks and they do get good returns as well and stuff like that , even we can talk about how uh, the CPF investment scheme it's like it's not just a scheme that they're going to get to keep your money where the government is going to keep your money and stuff like that at the end of the day is like


there're like you know, CPF usually have this what, uh special account and ordinary account so ah ya would distribute two kinds of account, so if you have more than twenty thousand in your ordinary account or forty thousand in your special account you can actually put into so much things you know like this CPF money


can be used to , take care of your HDB flat price, so what usually singaporeans used to consider like this is like the general trend lah from what I know is that singapore used to go for like okay I can afford a HDB now but why now why not go to the next part of my life as in like why not go for the condo and stuff like that but now singaporeans are investing more into other countries as well


like as in like , you know our indian parents they like buy overseas land in india or like chinese in china not just india china like overseas countries but also the overseas near us like such as a southeast asian countries such as like malaysia and Johor like


I think when things were normal before COVID nineteen when we actually went for a #kuala lumpur# trip, there were five families out of five families three families actually had, properties houses in Johor #kuala lumpur# which it, which like personally I was like my family was like personally shocked wait what


these things exist but actually like ya this is apparently really common amongst everyone, ya so I feel, uh, CPF is a good scheme like personally it gives you a sense of security and stuff like that


but , there are also other things that we can actually, invest on such as your CPF money, uh if you're going to go go with your ordinary account uh, you can you can actually get a and only the special account you get a guaranteed money so like there are


fixed returns and flexible returns so if you're goning to invest your CPF money, you can either opt to get either a fixed return or flexible return at the end of the day so fixed return is like okay at, you are going to get this much of money back so you get a guaranteed amount despite how the market fluctuates like either the market is all out high where people are gaining so much money but


so if you if you say like I want to get two dollars end of the day ya you will be guaranteed the two dollars despite others getting like twenty dollars or less than, going for a loss so I feel like, it's like either you go, like it's it gives a sense of security lah end of the day when it comes to CPF insurance money so that's what I think


uh what are your views on the singapore budget, the way they allocate stuff, yeah yeah the yeah true true ah yeah true true ya true true


so uh so you're asking me that if someone's going to buy a house or something what would I recommend them is it, okay methods, like as usual most people know of this which is loans applying for loans like property loans and stuff like that but end of the day I will again revert back to CPF uh cause CPF it's like


from your CPF special account you can you are able to actually use the savings for, you know by getting shares like investing on government bonds like if you heard of that temasek holdings you can go through them in order to invest on government bonds which is, which is definitely like over over the past few years it has been really successful and


it also can be used for property funds like maybe not as much as you know it wouldn't have a significant impact if you want to buy like private housing or condominiums but definitely when you go buy HDB like nowadays the BTO flats also it's like really high end, uh like it's really your cream of the crop you can also use those


uh CPF funds for your property funds as well, and, it's it's quite a , common practice for most people to actually invest on physical gold like you know those golden biscuits and stuff like that even CPF also allows you allows the people to take from their funds their special account in specific to actually invest on this so I feel that


personally CPF is like ya like as you said there's no perfect solution without any risk like but, there are of course like there are two sides to a coin as well but , I feel, I personally feel yes CPF is a good safety net for most of them but also there are people who are getting affected who are not if while having this kind of restriction when it comes to like you know investing or like starting up their own business and stuff like that


like for example singapore I feel they, go in the direction of entrepreneurship, and, they are like actually they actually promote entrepreneurship and stuff like that but, how to promote entrepreneurship when this a this a common question like how to go on entrepreneurship if I don't have enough money to actually channel into this resource of actually starting up a company or something like that


yeah yeah so , yeah (hmm) yup as I said there are two sides to a coin like of course during retirement we like we we wouldn't know now of course like when we go for part time job when we get like two thousand dollars and we get back one thousand four hundred dollars cause six hundred goes into your CPF then will be scolding but


I feel uh some of my, personal family friends actually appreciate for what CPF has done for them uh they might be pro government or anti government but I'm just talking a common man normal perspective that they are actually uh appreciating CPF and stuff like that


yeah , okay to sum it off I wanted to talk about our personal finance like we just being normal twenty two year olds in singapore, like, for me finance is like what NUS uh when I school ins sorry NS money the when people give me NS money they all it comes with the GST voucher


ya so this GST voucher comes annually ands , I feel singapore kinds of takes care of their public really well , for example COVID, the during COVID time they pumped ins three hundred three hundreds of six hundred dollars like just for us to stay at home such as the solidarity budget


I feel it's like, uh not no other country has done it to this extent that where they, like if you put, into simple layman terms I give you money just stay at home and just work from home ya you can complain like [orh] I my freedom is restricted and stuff like that but


if, we can compare singapore to other countries in terms of everything but if you compare to it in this thing also so I feel like it's something that is really, deserves recognition like how singapore actually takes care of people, financially and stuff like that


then for me personally when it comes to financial it'll be like my student loan, like uh the tuition grant that I received for studying in a, in a local based university uh what I get a certain amount of money it's like a significant decrease a deduction from how much I actually have to pay


okay so nema for you what would you say as a personal finance experience like insurance or anything, ,


ya true,


, ya


part three negative experience , my biggest pet peeve uh I wouldn't be so proud of it but uh if people blue tick me or ignore my messages


I, get super pissed and angry at the respective person it's like , it's I wouldn't say attention seeking but it's about self respect it's not ego but self respect like, you put in the effort to message a person you put in the effort to organise something but then all they do is look at the message and then they just want to


so called x step and then just uh carry on with their own stuff and then like I feel is like there's no respect to that effort, they will message you before that [orh] can you like organise this thing then you like okay just back me up bro then you go to the group you message you send they will be the first ones to see the message but they won't reply anything to it


he just wants to be you know maintaining their ego I don't know what prestige or what they what they see it in it but I'm not that kind of person actually just go ahead reply cause must respect the person who actually coming up and talking and stuff like that so, yeah when when in a group meeting when people are actually


I'm a person who like who wants to hear everyone's voice like if I'm a leader or in charge of anything I'll make sure I'll go to each person and then okay what do you have to say what do you have to say but some people, whatever you talk they'll just exclude they just keep talking, what they want to they like they don't care what is your input if you come up with a group it's a group project


I feel everyone should have their say it's not what the dominant ones wants to say and we the rest will just need to okay I'm going to just listen to my news self proclaimed leader and just going to let it, uh talk to enhance to his stilts know uh this is something that


annoys me the most when people don't give enough uh attention and recognition of people around them ya then I get, ya how about you nema what's your biggest pet peeve, yeah yeah ah they chewing lah yes yeah yeah okay port


influence or something, yeah ah (hmm) (hmm) yeah ya true


ya about the nepotism ya I strongly agree with what you said like, it's like depriving other people more, deserving people of opportunities like uh, my one example would be the indian society when


uh back in india not not in singapore back in india uh you know there how medical college is like a celebrated and prestigious issue when when the parents come say [orh] he's a medical student the whole world will be like !woo! !wow! your son is a medical student but there's so much corruption behind it you actually


if you give money you get into it if you know the owner of the owner of the respective college or the dean of the respective in it it is pretty faculty like, the purpose of, students getting the it just gets defeated like so you are telling me that you have to have contacts your father should be well contactable like he knows lots of people out there in the society so he can just draw in people it's always nice to benefit from nepotism but being on the losing end that's where you actually feel the


full yeah, definitely then I can say [orh] my father just draw me into his uh bank so I'm working under under him now I'm just getting, cause obviously the you know the culture over there people will favour you cause your father's in a higher position he just go rise through the ranks easily compared to those who actually put in the hardwork starting starting from ground this deprives people from actually coming up like you know those people like uh we in in the indian movies you can see like farmers


the farmers who bring up their child putting everything into it then their children studies and comes into a shifts to the good person end of the day he goes out to the most important like for example in singapore university but back in india is, consider as college they go there then what they say [orh] you have to give this much money to get a seat on top of that before they enter this faculty you need this


you need reference this that it just defeats so, so you're telling me the, lower lower, those people on the scale lower scale just have to be there have to just rot so farmers have to be farmers so bank, uh whatever like politicians political you can use your political power just stay up there I feel it's like really


is yeah, just talking about it gives so much frustrations for me it's like, even in politics in certain countries, it just like [orh] the father goes away the father passes away the son comes in the son comes in passes away the uh the other one comes in just keep just uh a never ending cycle so you telling me that all those in the second or third position just have to be there for the rest of their lives it's like


I find it really , uh it's not the, best thing, but sadly that's how world works at the moment, it's like all they say who go go a social just go talk, go have some casual meetings with random people socialise uh have context ya it's a good thing I'm not saying it's not it's a wonderful thing you need to have a more diverse range of context but


you shouldn't use certain things such as power and authority like you if you're going to build and forge relationships ya I, can understand you put in the hard work okay you deserve it but not until certain things that no others have no control and power over you capitalise on it yeah I feel it's wrong


yeah, so uh describe what you dislike about the younger or older generation anything, (hmm) yeah ya yeah ya true yeah true ya true back then josh flite ya yeah true ah ya true yes it's religion


for me all this is lah like how you said you actually covered most of the points I wanted to say like, let's start with the singaporean society they are considered as a pioneer generation the government gives them so much stuff like [orh] I'm going to like see which I I don't want to compare keep comparing with other countries but I can't go back I can't give like


you compare if everything myself compare with this right so which country actuallys invest so much channels so much resources into just addressing, elderlies giving valuing them, for their hard work for their, you know for the transformation from a fishing village it was a fishing village apparently from the beginning now to a metropolitan city how how like they did it everything ya I can understand and stuff like that but even after that today they are like


giving so much priority so giving so much resources everything again and again their emphasis on the importance of pioneer generation never get smaller but, there's non stop complaining about like [orh] the government like this it doesn't take care of me and stuff like that but ya there are certain issues there're exceptions of certain issues that I feel that okay maybe the government can look into this category of people


like who don't have uh families and don't have much financial and stuff like that but, uh that's something that, bothers me when come to uh elderly uh, but we feel like how you said racism uh or religion there's caste system there was caste system


back then very evident but now we can't say that they completely erased it off and elderlies till today actually practice caste system like from what I know india society they have all these caste system the chinese have their different kinds of chinese I guess then then even like we just think that [orh] only asians have this but nope


uh the english people they have the higher end british some of them we called it gypsies or something uh, I thought gypsies was some kind of bad word until recently after watching a show then then I realised [orh] wait they're actually a legit, group of people


uh like they are like nomads but they are like treated so badly in their own country and they still exist like how black black people and, black people like he use gave the example of george floyd, like last week there was this person called colby covington, who actually won he's a professional MMA wrestler


he has all the guts to come out and say black lives matter is a is actually a terrorist organisation he started accusing all the black lives matter ands I found it like appalling like how can you actually say all these kind of stuff when people yes there might be kind of shady business behind going behind the organisation but you can't


blame the thing that what the organisation is actually standing for maybe who runs organisation the board ya maybe for that you can do it but you can't go behind the meaning of why the organisation actually came about and stuff like that, so that's something that I feel the elderly of elderly did quite a bad job when it comes to infusing their yes day of definitely give lots of good values you know they taught us lots of things their life lessons and stuff like that but they also infuse a certain bad perspectives of


things that shouldn't have been there in the very first place and they are giving out to the , younger generation itself, like that, but when it comes to younger generation where can I start younger generation they think, they are mature and then I mean this is something like you might think that I'm being biased or something I may be biased I don't know but


I feel the mental gap between me and the person just five to six years younger than me is just like, generations ahead like they think certain things are cool like if you see those white people in tiktoks , they will come to vid then the way they present themselves like the way they take pictures of themselves is so revealing and then they try to show themselves having a certain physical appearance and then I


I certainly thought this person is definitely twenty seven year old, end of the day I see her bio and profile and she was freaking twelve years old, it's like uh no catfishing at its best lah if you ask me uh younger generation I feel they have to


because I was, working in a secondary school as a teacher so when I saw those at secondary school students the the language they use the how they actually approach certain life situations is just too negative there's too much negativity around them in today's world people thinks that [orh] being cool is being the negative person I'm going to dress like


uh wannabe I'm I'm going to go smoke when at underage smoking underage drinking I'm just going to do everything against the law, that that unfortunately that's what gets attention, if a person's going to post something a good thing he did like for example if I'm going to go plant a tree and if another person who was smoking I'm quite sure which one will create more buzz me planting a tree or another underage person smoking so I feel


yeah though, yeah yeah so it's like I feel on, to be honest the negativity around the world is a lot these days from the way people perceive things to be and on top of it having all this global pandemic of COVID nineteen around ya I personally feel too much negativism yeah now it's your take


part two positive experience, K so Nema what would you consider small things that actually make you smile,


ah church of , yeah yeah to be what for ah ah ah ah


for me small things being a sportsman obviously when my respective teams, or respective sportsmen win ya I keep watching it if they win like in the month of january until march that will be in my youtube recommendations again and again I'll keep watching these small things but