ya so got to change my plan so what to do now is in fact now I'm more towards err the part-time trainer you know so but then again due to this COVID nineteen ah, err, not able to have err many students


with me, you know so properly you have to wait and see, ya so that is for my side lah, not sure whether you do you have any


so far you have a very small smooth lah smooth sailing,


to, I mean err having stages and all that err but of course there's a happy moment and sad moment and all that lah hor so, well, but I think family are not considered sad lah but at least ya these are some of the things that we


we have to, to deal with lah for our children


ya you if you talk about <B>, to this lah the for me I think err


probably it could be due, due to, many years ago lah when I was doing my, err my colleague ah, okay so happen is the the there's a girl err actually, work in my company also lah she she in HR lah


so often go to, to go to HR to look for her lah, you know for whatever reason, you know I think we are good friends err fact I think err that time where I really heartbroken ah back to my friendship to my memory is that the it should be the time where the you know err that person lah that friends are actually rejected me lah to be my girlfriend lor


so err, ya, that's why make me heartbroken, so what happened is that the that that couple of days err she actually, err you know err, sitting on my bedroom you know staring at the ceiling you know for for awhile


ya anyway err that rejection is fine err but at least err, she agreed to me be my friends so ya we we, back to normal lah, but after a couple of days lah to me that that if you talk about heartbroken is that


that is the case lah, ya, err yes about lah twenty more than twenty over years <B>


of course lah more so of course if err children do not want to let us know that where their whereabout, and also err their school activity ah you know


sometimes we ya don't really know much about that so, and err usually we know about the everyday activity or even their whatever things lah is through you know err the parents chat, you know, chat chat box or something like that lah so what do you call that or or those WhatsApp things like that from there we know


err what is it all about so, understand some children they do not really want to tell us rather they tell their friends right so, ya so, so is I think is more worrying lah nowadays all the teenager and all that


can I think you will ask me a lot of a question or maybe I ask you back ah err if you are going to die tomorrow ah what are your last word lah to your loved ones


uh part two positive <B>, K


[orh] (ppc) yes, (ppc) uh, I remember about uh six, close to sixteen seventeen years ago (ppc) err I have the intention to purchase my first commercial property err


this property is the property lah I I like you know because I've been looking at it for many years (ppc) and but the asking price I feel was at a very good price discounted price right


but uh even the discounted price, I was good at but the it is still a bit too much for me lah because you know I starting as a engineer like salaries are err not much


and err similarly err I also own credit cards, (ppc) and err those cars and things like that so that therefore owning a, (ppc), to secure a financial err loan from the bank is very difficult for my time because they need me to show (ppc) them a


my account you know the, IIA you know and things like that right, err to support and also how much your bank left the ammount lah so err, that that is an issue for me for (ppc) a couple of weeks ah (ppc) I'm still looking how to solve this method this problem lah so err


one of the during one of our family dinner, uh I just uh you know mention this information to my sibling err I have uh three sisters and one brother and the eldest so


we mention about my err about these issues and my intention of purchasing uh I think few days later my second sis call me, uh call me too, say that the uh eh err


I can be yoor guarantor I think we can be a guarantor or if you require ask to do that lah and I was, uh surprise (ppc) and I'm so happy, (ppc) to, to hear that lah and the


so that point of time quickly you know I called up the banker, uh and the, to discuss and all that lah so, (ppc), and the after discussion after they presented (ppc) uh their


RAA and their intention to be my guarantor and all that lah err I think err within few weeks ah I think the loan (ppc), uh (ppc), to purchase of this property was approved (ppc) so, uh I never dream of


uh that with my uh financial capability at that time I able to, to purchase the the property lah (ppc) ya so thankfully ah my sister are able to help me in in in this way


okay so, ya anyway I feel happy lah that was about the time that the you know people and help me lah


true true too especially (ppc) they don't talk to each other also (ppc) and know problem to be a guarantor or you have a lot of liability so generally speaking uh, nobody likes to be a (ppc) act as a guarantor for another person lah but I think grateful


err (hmm), to be, ya, so happy very happy so, on on their part lah (ppc)


ah yes (ppc) correct (ppc) ah, after about, the six seven years later, I managed to (ppc) sold of the property ah


and the that is the first pot of gold that the I earn lah, and I'm very happy or this part lah, you know so what happen is uh after that lah, I


I I don't really uh you know just uh spend out of whatever I earn ah in fact I do err diversified it, then I, look out for some other properties, you know uh, in fact is a commercial property lah


(ppc) and the (ppc) now I'm like have the ability ah uh to search for other property so once I sort of, one (ppc) uh, together with uh my friend lah fact we purchased another two properties


that time (ppc) uh, that time what happened is that (ppc) uh, I'm able to get the loan because my the next business partner (ppc) uh she also has uh


(ppc), uh able to take up loan also, so that's reason why are we branch out this away so I think uh for my third property ah I'm able to share with my sibling ah are in fact two of my sister uh (ppc) also join joint effort lah they they also my partner okay so


while uh they helped me and I help them also uh because for this err commercial property you you need to have a bit of experience ah so, to me uh I think, uh such a


uh ability to purchase this is important ah as I've mentioned just now right very uh first, first one is that the I think investment investing in singapore property ah is one of the, uh way to go, but however due to


to uh, the the intervention from out MAS and our government right uh now err if you were to buy extra property was subject to some other tax and things like that lah what I heard of is that, (ppc) err


correct now is not not (ppc) not easy anymore (ppc) ya ya and the and also uh after I saw my first property right err I also uh you know cater for up to also take up some amount


uh and the err for enjoyment ah but ya lor so so to me is (ppc) my part-time is actually err doing, those those stuff lah at these moment, (ppc)


but (ppc) basically I (ppc) I'm not able to purchase (ppc) a condominium at things lah because generally speaking to me I find housing err investment into condo ah the return is not as high as commercial


err this is personally what I feel lah


true I I agree on the on this part lah (ppc) at least on this part, (ppc) ah (ppc) yes if you were talking about best thing ya lah you know I personally err I do not take beef ah


(ppc) and err at this juncture, I uh, err also cannot take, (ppc)


I think this why I remember lah and the thing about ten over years ago ah err err because I was err working, err for a a a japanese company right an MNC previously and err went to the HQ


in Osaka, (ppc) and err after work err I know first might easily we have dinner together and my japanese colleague ah, uh, uh together with my project group (ppc) we have dinner together and the they called I think ah Wagyu beef beaver and the I tell you ah because no choice to reject like err can't reject Paisei ya so once I have it ah tell you oh


(ppc) I I love beef lah (ppc) so err, to answer you is uh this is my, (ppc), best meal lah, ya, to have the first beef


in my life ah is one of the best, uh


it is like eating look #lok lok# ah ya and the what what what I understand is that the, you know there's a hotpot right so the beef err err you can directly you can eat you can eat it lah err when you dip in for probably about


five to seven seconds now that that was what I was told by my japanese colleague ah because uh more than that you know you don't feel it is is good lah so just a few seconds of going to hotpot (ppc)


think so so this I very happy and also uh and that's the best (ppc) meal I had lah and uh of course uh back here in singapore ah err I


I seldom have it because I think it is too expensive lah ya to to have in singapore


ya free trade of course is the best lah (ppc), it was great


yes angel or do I need to submit first because I wait what happen ah uh, uh, ya


uh, yes it's still running is fifty seven minutes now, ya, yes is running already ya ya


[orh] (ppc) so I need not to do anything lah (ppc) okay (ppc)


ah yes (ppc) I (ppc) because uh I am the, since young ah I I love football okay uh the english football club that I love is uh totten hotspur of course people people love that man united (ppc)


people love ahliverpool man city and things like that but since young I love tottenham hotspur but I do not know why ah ya and maybe, maybe uh I one idol there ah err his name is called G hado lah okay to take our people stop ya so


I I hear some echo, K K (ppc) ya okay ya so uh I was


uh surprised that the the my football club thing about many years ago uh, they arrange with our FAS uh, (ppc), singapore football association here err to arrange for a primary match ah with our national team at national stadium so that


err was the time that I really really anticipate for this so called special events are really really wanted to to see because never in my dream could have thought that the, I'm looking into watching my idol uh playing football over the the TV set right TV screen


uh which is a live telecast leh, to the stage where I am able to see my own, own eyes ah this, correct so ya so, that that is the one that I love lah (ppc)


this is a bit expensive and things like that lah but the until until today I'm still, uh, watching drama prosper lah until this stage ah


uh they they are not they are not the best uh, in england but at least uh they are in the always will be the top six ah ya especially this year there ya the the the top six, ya their best performance was last year


uh


was classified as one of the best in the world lah you know so the previous one was not bad, err, fortunately you know right was not bad


than the that was the with the best performance last year when they entered this uh (ppc), err euro~<B>, uh final of course they eventually they they lost to, to (ppc), err eventually lost to (ppc) (ppc)


so eventually err they lost to label, poor lah but nonetheless lah that is there not their best performance ah in a club history you know, ya


yes last uh this year they are in the top six ah ya but unfortunately they are not uh ya but due to (ppc) COVID nineteen uh that that was, that's the issue lah, the match was actually suspended you know but recently they they let it run without spectators


ya lah as spectators


ah ya (ppc), (hmm), maybe uh I couldn't remember lah but, uh, the recent one maybe I'll consider that lah


uh I was in a car with my (ppc) my family lah wife my kids and all that, (ppc) uh, I think uh, my daughter (ppc) so happen to, to show uh using these it uh


uh YouTube like uh to show, one of the opposition, (ppc) uh, ya ya ya that particular broadcast lah, I think it was he was quite cute lah couldn't remember his name is it chow


ya after that I think uh uh it is, one of the most popular err video clip ah err in singapore right, ya uh


too also (ppc), ya but I think err I would say that they are, it is due to his braveness lah I think his, he's very brave and all that lah, ya


financial related


elisa do you have a savings account can you share with me uh what so like good about your savings account or like you have any details to provide


ah ya sure actually I have two savings account so one of them will be the frank OCBC account and the other one would be the POSB everyday savings account so so far my experience with both would be that they have been satisfactory, having these two bank accounts allow me to easily access my money if required due to the many available ATM's under these two banks


and the ease of having both PayNow and PayLah for the front OCBC I'm also aware that they're special with rebates for certain stores and sometimes some stores like Daiso that I went recently had cashback for using the DBS PayLah app as well


uh yes actually I have both credit and debit cards so for my debit cards they're linked to my above mentioned bank accounts where as my credit card is actually a sub card under my dad's AMEX card, so in general I feel that the debit and credit cards are really good in terms of convenience and each card has different benefits as mentioned previously on the benefits of the two bank accounts earlier


having a debit card it's just easier in order to make cashless transactions whereas for the AMEX card it is good as it allows for an exchange in KrisFlyer miles which can be really useful for travelling or redeeming of products, so I think like all this just allows me to enjoy the ease of many places accepting the different type of cards and enjoying their respective benefits how about you alyssa


I think that's a good point so like let's say some people say that the bank's interest rates are rather unattractive whereas whereas others might feel that putting their money in the bank is safe and accessible so what would you do would you save your money in a bank or invest it elsewhere


I have the exact same opinion I mean as of now I feel like it is safe and accessible but definitely in the future given opportunity I will try to start investing so ya


no actually I don't have any prior experience but, in terms of like my opinion on whether couples should combine their finances and open a joint account even though now it's a bit hard to for me to say but I do not think that couples in general should combine their finances and open a joint account because I think the cash could get quite messy in terms of usage


however if a joint account is open I think the money placed inside should be a portion of that individual finances for common use like paying for the house rather than combining all their finances what about you


I think age eighteen would be the most appropriate timing because then they are already legally consider adults and they should be and can be responsible for their own actions and expenses how about you


no it's okay ya continue, personally I feel that the type of credit cards that people should be using really depends on their individual character so for example for someone who spends a lot and really enjoy shopping I think perhaps cashback will be more worth it whereas for someone who frequently travel I think miles might be a better alternative so what do you think


okay so do you have any experience of purchasing insurance product from banks and if you do maybe you can share with me like what are what your experience so and what do you like buy at the bank


uh no I don't really have any prior experience I think my parents probably have bought like, insurance product from banks but, like I personally haven't ya, so do you have like a high yield bank or like a fixed deposit


understand so for for me I think that the frank account account is a higher bank account like so far it has been satisfactory I don't have much to comment about there it seems pretty like holistic as a whole, yup, so alyssa in the future would you plan to cause you mentioned about like if you have time you go and learn about investing and stuff right so like in the future would you attend probably like seminars or webinars hosted by the different banks to find out more about like this field


I think I personally would and I think there have been like various platforms like SGX academy also that send like new staff to us so yup I think , I think I'll definitely try to stand up for that but as usual sometimes the audience that they're targeting towards are people with more financial knowledge so sometimes I feel like it might not be very appropriate for us but I think is always a good starting point


have been some exposure for kids but not related upon where we're actually financially literate so I remember in primary school there was this particular session where we had to play some board games that was supposed to teach us financial literacy like I think when I was in primary three and I was just to teach you how to better manage your money but in terms of


investment wise like unit trusts ETS et cetera I think that is not really enough education even as we like proceed to like tertiary education et cetera like some people are more knowledgeable but usually these people they kind of source for their own information so I definitely think that it'll be better if this can be a more


taught on topic and like we can share more of like our experiences and knowledge and we can get more financial literacy in this area how about you


personally like uh !wah! that sounds good and all I am kind of apprehensive to start investing so while I definitely do think there are many like perks and benefits of investing but after all you kind off, like at this age we're kind of using our own money to invest right so like I feel entering this field without being very knowledgeable or if even if we do there are some like risk to take and like I don't know how do you feel about it do you feel like you are willing to take such risk because personally I feel a bit apprehensive those like started


so for you would you create a separate bank account for let's say your studies et cetera, would you would you uh create a separate bank account in the future for your work or studies because right now I'm aware that you currently have like more of like a savings account so do you think you'll branch out and like separate your bank accounts for different uses in the future


for me because currently I have two bank accounts right so where both are technically savings account uh for my DBS one I tend to put more of like any work or like studies related matters for that so I allocated that, for that kind of purposes whereas for my OCBC is more of like a my actual savings account because I feel having two bank accounts would definitely enable me to better manage my finances


ya, so I was wondering because you did mention that you have a debit card and you and your reason for having a debit card is because it allows you to better track your expenses which I totally agree because the money should be deducted from you but given the many benefits of credit cards would you consider getting a credit card


ya sure cause for me like, even though my credit card is technically a sub card under my dad's card but because my dad is a rather frequent traveler and he's also able to redeem those KrisFlyer miles from the KrisShop which I think is very good because like they have a lot of products there that are very useful so while I'm using his


card like his sub card, it allows him to gain a lot more miles and that we can definitely used for future trips, and I think it's quite common nowadays for like adults like not like us but like our parents age maybe to have multiple credit cards so that they can enjoy multiple benefits at different restaurants cause some restaurants accept like maybe Mastercard and they have promotions for that


so I think those are just some of the benefits that comes if having credit cards especially for having multiple credit card


so just now we mention about the public age to give a child like a bank account or like have them be in charge right so if you were in that position per se would you give a child a credit card or debit card


so right like as you mentioned for like a child they they are like childs savings accounts right so like usually there are joint account so let's say because you have the option now to still have a joint account with like our parents for example so would you just allow them to fully manage their funds or do you think it's always good to like be part of the account just in case like


there's a mismanagement of funds et cetera authorize I think that sound like a plan


negative experiences, do you want to describe one time that you felt trapped or helpless then I'll share with you my experience


okay elisa do you want to describe a time where you felt trapped or helpless and then I'll share with you my experience later


have you ever like talk to her about it or like you just let it be


at that point in time because you were like so called kicked out right then like were you like spending most of your time alone or did you seek new friendships and stuff like


I also had similar experience being bullied back in primary school but I guess compared to yours mine was a lot more, extreme like I'm not really sure if you know about this but , actually I was bullied from P four to like P six and throughout the entire


two years duration I actually didn't tell my parents until a particular incident where my teachers had to call my parents so ya okay storytime so basically from P four to P six like I didn't really have much friends per se and, like one of the


particular incident that kind of spark like my parents knowing about this entire thing was a thumb tack incident so just is that little bit of context back in primary school I was doing pretty well and I was like admittedly a teacher's pet , and I usually had a lot of opportunities back in back in primary school ah so


this particular time the incident was be uh basically in the morning when after we did our usual like morning greetings I pull up my chair and I saw this like transparent thumbtacks standing upright on my chair so it's like they it was there's no way that that was an accident because first of all even though I sat in front of the teacher's table


but there weren't any like visible thumbtacks and even if it did drop it wouldn't be like upright because my chair was already pushed inwards which means someone had deliberately put it there to like cause harm to me lah so upon investigation two of my classmates actually did end up admitting to doing that


and there are reasons for doing so was because they thought I had stolen their spot in some competition that I didn't even know existed and like I didn't even participate lah so, ya so it was quite bad because the teacher had to ask me to like go down like to take something


but actually he spent the entire time lecturing, the class and try to find out who the culprit was so in the end they kind of had to use the method of asking of saying like oh I'll be be checking the CCTV by this afternoon so if no one owns up then they won't be so lenient about it ah so it's quite a big incident and that was the only time where they had to call my parents and my parents started to


find out about this kind of stuff and that I was actually bullied for like two year straight without them knowing so ya it's kind of like a, tough period back then because I didn't really have many friends like some of them were even like cause you know primary school we are like more like childish in a sense and like some of them were even like oh PM me and then they'll be like uh actually I really want to be your friend but then cause like the entire class doesn't like you I don't want them to turn their back against me then can we be a secret friends kind of stuff I know that's sort of thing that happened in primary school


ya so it was just kind of bad and uh and I end up spending most of my time just hiding in the library because, I don't know I just really hate that the feeling of walking to the canteen and then everyone is just staring at you and then you end up sitting alone I just felt that's a very like heavy feeling so I usually end up not eating during my breaks or lunches even though I was starving so ya that's like one of the times that I felt really helpless


but it's okay everything is fine now, I think it was this year it was a funeral of a relative like I wasn't very close to that relative per say but I mean I did see her every now and then throughout my childhood and stuff like that lah so she was kind of like a


my grandma level of that generation ya so like , the part, that felt the saddest was other than the funeral itself where there were many people crying it was also the last few moments that I saw her that was very sad because I actually rush down to the hospital after an event or something because like


the doctor said that that she might not make it through the night, so seeing her at one of those very last few stages of her life with like a lot of tubes being stuck into her and like just how vulnerable she look, and like everyone around her like the families like we had to take turns going up because like it wasn't very safe for all of us to go up especially because it was like emergency ward so just like


having to take turns and just seeing her in that vulnerable stage was just, pretty heartbreaking and saddening because we weren't sure if she would still make it to tomorrow or like the next few hours so ya that was the saddest scene I've ever witness so how about you


I think hands down like A level period like , as in I think like A levels itself is very stress for you and know that too but it's just a point where like especially because of the grading and the system maybe like for art stream because I'm in art stream right maybe it's a bit harder like your date your grades and are very definitive so there's no like sure right or wrong answer because it's art stream after all so I felt like


it was like no matter how much I studied for a subject like maybe like geography or something it wasn't like good enough and it was especially when the time for A levels like was drawing nearer like doing prelims and everything like we weren't getting the grades that I desired


then I just felt like, there was really nothing I could do more because I really been putting in my best effort and I think is partially attributed to the stressful circumstances than where I felt like nothing that I did was good enough so like I don't know maybe you can relate to that


I mean I think like is after all very hard to strike a balance for all the subjects especially when like for A levels everything is so in depth and like, the moment you start focusing on one subject is very hard for you to like maintain at least like the level that you were because like you're like focus like has change also but I mean it all turned out well I guess so


I mean I think like family is a given but the one that I'm more like consistently worried about that has to do with like just myself per se it's like definitely my studies


because I think like progress to like kind of like becoming students and stuff and like we have already been students for like the most part of our lives I think study is definitely a top priority and like that's what we've been told as well so I think


, not really meeting my expectations and stuff really does cause me to worry for my studies and like, just like kind of worrying compared to my peers it's just a concern thing that's always on my mind like I need to like have the reassurance that I'm doing decently enough or like I'm doing well in order to like make myself feel good about myself and Iike from the parents to like feel proud as well lah but even though they don't really put any stress on me per se


pressure is something that I'm always like worried about ya how about you


ya I think it's like just hard not to worry like even though, when you go to like uni and then like the people you meet are different but precisely because they're different and some of them have a lot stronger backgrounds than things we didn't learn like those people from poly for example in the particular course they might have a head start so I think this are the things that like make it a lot more worrying in a sense


cause like in JC at least like everyone kind of starts at a clean slate but then for here like some people are have more advantage than other so I think it's definitely a very tough competition, so is there one thing you wish you could change but you would never be able to


ya sure okay no mine's like a very superficial thing because for me I feel like I'm, pretty and like really thankful for what I have in my life so far and I wouldn't change anything about it or like physical attributes wise like I always wished to be slightly taller


but I don't really think there's much chance for me to grow anymore because like is at like growing old like you're going like physical attributes wise kind of like slows down so I think they'll be a bit tough


okay so like maybe you could describe a time when things turn out not to meet your expectations, describe a time when things turn out not to meet your expectations


I think is similar but for me it was more of like not getting the highest grade for my dance exam because like dance is something that I'm rather passionate about, and I are a pretty competitive person by nature so I always aspired to be like the top of the class so like on the occasion that I didn't get the highest grade even though it was the highest in class but it was not the highest grade that I had attained before


that was like rather disappointing and I just felt kind of bad about it so ya I think that was just a period of time where things turn out not to meet my expectations


positive experiences


definitely I think that there are many times where things turn out better than expected but one of the biggest recent moments would be planning my mother's birthday party this year so initially my plan was to give her a surprise birthday party where all my uh close friends and family pre COVID


I will be able to come over and give her a surprise while she was out so I invited my cousins over to help me prepare and decorate, my house before she came back and I literally had to hide, all everyone's shoes in the kitchen and I thought that it was going to fail because initially she was suppose to be out for like maybe four hours


but she end up cutting short her like plan and she came back like two hours earlier so I really thought at the moment that the entire birthday party was going to be a flop but it end up turning out very successful to the point where she was very touched you know and I was just, very happy that it turn out better than expected because after all it was my first time planning for her as such a rather large scale so yup how about you elissa


I think you really deserve it because you did work very hard , people saying nice things but


the nicest thing someone has probably ever told me was, how important I meant to them as in like it's not is just say like oh you are very important but like in terms of how they describe like in which way that I impact them I think, going into those details really just served as a reminder on how much impact you could have on someone else's life especially in a positive way and like how you can really influence them to be a better person I think that was very nice to hear because like it's not everyday that someone tells that oh you allowed them to become a better person or you inspire them to be a better person so how about you


okay so what was the happiest moment in your life so far is it that A levels or do you have like another !wow! like I'm so happy


a few so called happiest moments like one of them more similar to yours where my parents as also surprise me and like my friends also surprised me like my friend surprise me on two occasions for my birthday I think it was like my, thirteenth and like seventeenth birthday, they kind of hid in my room and like scared me to the point where I cried but it was like those happy tears so it's kind of embarrassing but yes and like last year my parents also did like a massive like kind of a surprise at a like one of our favourite restaurants


so I think that was one of the few happiest moments in my life but for the most recent happiest moment will be that uh finding out that I won several giveaways in a row I thought my luck was really on a row and I was really happy so ya


so like cause I won several right so one of them was like a lucky draw so out of the many people that participated they were only choosing I think five winners to get like the Starbucks vouchers and a twenty five dollar Escape Room voucher, and then the other two gives away that I won were


more of like effort pays so for the first one we had to play a game a team game and if you were one of the top winners you will win vouchers and another one was you had to submit an entry for what's the best food hack that you have and they will award the people that they think have the best food hacks with collapsible lunch boxes


and the few other minor ones that I got were just participating increases and being the top maybe, sixty plus two hundred people to submit your entry like successful entries so ya that's the few giveaways that I won


cause my family and I often travel like during the december period pre COVID so we did go to like several places in europe so I think one of the most memorable ones would probably have to be travelling to venice because as you know venice is kind of like their main mode of transport is by boat or like mini ships


so I thought it was just a very memorable because of the different way of life there be it the pace of life or transport, compared to us they have a rather chill pace of life and the food there is really good, and transport wise is either by water or like you you're just basically walking cause the town is quite interconnected like you can really like just walk the entire town so I think it was just a very eye opening and like experience how about you where would you recommend and like which place gave you the most memories or like best memories


I've never been there before but like considering how they're able to climb over the barriers were there like no security and it wasn't it pretty like high up or like I don't know, but there's no like security guards or anything to like kind of supervise the place or like


go there next time so ya okay so right, what is the orders of most unique compliment you've ever received ,


oh so it was a dancer that said it right, it looks prettier when you ya,


uh for me it wasn't really like or I mean is more of like unique so like the most unique compliment that I ever receive is that I have like nice almond shaped eyes I mean I don't really know what that means and I don't really see it but I mean it sounds like a nice compliment so ya


uh, uh no but that's a good suggestion I might try it out , okay so uh what are you thankful for like ya in general


I guess it's the exact same I mean especially because like I'm only child so I have like a rather close relationship with my parents and my cousins as well so we usually like hang out a lot, and I think like from the little things that they do like as you said my mom also cooks and then like I think just the act of her like cooking even though she's like tired just for like us to enjoy a meal together and like all the little things really do add up and I think those are some of the moments that I'm really thankful for


okay I don't know a very common one will be people used to hate vegetables but for me I was a very picky eater like I remember on my birthday I had a mcdonald's birthday party in my kindergarten and uh


while everyone else was eating there like nuggets and fries that came along with the birthday party set that my parents ordered right and obviously the person offered me my own like cake as well of the nuggets and fries I refuse to eat any of the food they gave me and instead because my parents pack like cookies for me in like my lunch box


so I just went to the pigeonhole took out my cookies and ate my food and then , the like the waiters and waitresses there like so called right like those people helping to host the party they all like uh it's your birthday cake why don't you just eat a like a uh like small bite a small mouth, and then I was like no and then I just ate my cookies it was kind of bad and I was really picky as a kid but now I'm less picky but in terms of uh what I really hate I didn't really hate any food per se but I used to really hate sleeping as a kid as in I enjoyed sleeping and would we get up like to my bed but compared to playing I'd much rather play


but now as I'm like turning into like a young adult I really do enjoy the times where I can just sleep and chill or like take a quick nap how about you


until now, oh I would never change that but that sounds interesting I didn't know you hate them totally last time


okay I think like all birthday presents are nice because you know it's the thought that counts but one of the, more memorable one that I felt were really special was like a love one prepare like a full birthday video including like my friends my close friends and like tutors and like made us scrap book for me from scratch like containing all our memories and stuff and


and my friend also like customised like gift for me like a tote bag that had like a design of a dance pose that I did we shall use it very often until now so I thought it was just very sweet like how my friend really took into account a lot of like customise most staff and things that would really make me happy so ya how about you


ya I relate


ya I think like as like we grow up then sometimes like we forget about stuff especially when we're stress you forgot about like the good things and those serve as like really good reminders lah cheer yourself up you know, ya so , what is the comfort food that you can always rely on to cheer you up


I look forward to trying your Saba fish and I think okay mine is, mine is different like I don't really like cream ice cream or anything but you know if you want to have ice cream they have like, healthy vegan alternatives that I've seen in NTUC so maybe you can try that out and it makes him feel less guilt free so ya but for me is definitely home cooked food by either my mom or my grandma like they're both amazing cooks and I think just any home cooked food but like in particular they're just some dishes that I


crave for that my parents or like my mom and my grandma cook very well so for my mum is more of like anything related to like fish or like salmon she just like can cook up a storm I think it's really nice and then for my grandma is like I don't know how even the simplest of egg is amazing like no one in my family like no matter how hard we have tried like


my uncle my mum me we have all tried to learn how she cooks that particular egg like we just can't pick it up like it doesn't matter what wok or pan she uses it's just I don't know what she does the way it's just amazing so ya I think like just those food would just make me very happy


ya ya it's like ya she doesn't even like, put much in it is like I don't even know how she cooks that amazingly like that time my she use a like a spoilt pan where you know like those non sticky pans right they actually are useful but the pan spoilt it like it was that kind of sticky but the eggs still turn out like really good so I don't know what sorcery she does but it's really really nice


ya right maybe like everytime we watch her cook then she liked goes to the kitchen away and like put stuff inside


no she's always like oh is very easy one then like she do right it looks easy but when I try to do uh somehow things don't really go as plan


okay chivonne actually I have a savings account under DBS, so according to my research I think I can get up to five percent interest on savings and a cashback of about like ten percent on my shopping with a wide range of online merchants and with this savings account I've also been able to use a


cashless contactless and pinless payment and I just have to wave my digibank debit card and uh tap to pay enabled terminal to pay for my transactions, and there is also no swiping or dipping required as I use my debit card as it's enabled with a Visa tap to pay with my savings account that is linked to my


debit card I'm also able to use services such like PayLah and PayNow when I go out with my friends and we happened like for example if my friends happened to pay for me first it's really easy because I don't need to have cash on me and I can just use like PayLah and PayNow to pay them


at anytime even if we're not together and it's also extremely convenient because with this savings account under DBS I also use services such as Grab to order food like for my friends and I think chivonne I


bought I ordered food for you before right we ordered Asahi and I use this platform and I think it was very convenient ya, so what about you do you have a, savings account also that you could share with me about


oh that's so interesting okay so chivonne you or have a credit card or debit card


oh actually I haven't as I mentioned before I have a debit card under DBS, and ya I think I mentioned before debit cards really eliminate the need for me to carry cash or if I just happen to not have enough cash on me I'm still able to pay for my items and I think that I chose not to have a debit card because


for my dad uh a credit card sorry because for my debit card the transaction is immediately debited from my account and I feel that, as using a debit card it helps me be more aware of, my spending because the balance gets directly debited out of my account whereas if I use the credit card I might not be very aware of my spending and only realize how much I've spend at the end of the month when I have to pay my bills


I think that I really agree with the fact that put putting money in a bank is safe and accessible so I think that personally I would save most of my money in a high interest savings account and perhaps use some of the money for investments through buying shares or


ya other investments in other areas, but I'm not very well versed in it so I haven't made any investments currently but perhaps when I more when I'm older and I'm, more aware of what investments are, word like


have a great benefits than I would invest more of my money in elsewhere rather than saving it in the bank, what about you chivonne


so chivonne do you have any experience of getting like a loan for like I don't know like for your home or to buy a car or any student loans from a bank


I agree I also don't really have experiences getting a loan or anything but as for whether couple should combine their finances to open a joint account I think that I wouldn't


I don't I mean I wouldn't advise it because if couples opened a joint account the management of the funds in a joint account can breed conflict between them unnecessary conflict and also in the event of like a divorce or a break up between the couples the allocation of the funds to each party from the joint account might be also quite


tough to settle and resolve so chivonne do you what age do you think a child should be given an ATM to manage their own bank account


I agree I also think it's eighteen and I think that at this age children or young adults at at this age will be more financially literate at this age and they are also more responsible and mature enough to manage their own finances, so that they as opposed to a child at a younger age who might not know or be unaware of his spending or


ya so chivonne do you also happen !oops! sorry uh do you, happen to know anything about cashback or points ah or using your points or miles and what type of credit cards do you think people should be using


yes I agree I also think it varies from person to person depending on their interests and how they spend most of their money too for me I think cashback might be the most useful because, I think that this is very convenient and I can get cashback at almost, or if I can get get cashback at almost all the stores that I spend money at whether it's shopping or for my when I buy food at different restaurants I think that cashback will be the most relevant and meaningful for me ya


uh I'm not very sure because I haven't really had any prior experience what about you you could share with me


I'm not very sure but I do not think so I haven't really found the time to look through like what the, might, my bank account offers me like the services that are offers


yes, I would because I think that investment is really a very lucrative form of like is a form of passive income and perhaps it will help me to earn additional income without me having to do very much what about you chivonne


okay do you think it's important for, or do you think that we have in schools we have a like enough education as like to make students in general financially literate


I agree I don't think that the schools have exposed or in my experience I feel that schools haven't really given us the opportunity to learn more about financial literacy despite like some one off workshops I feel that they can be


more there is more that can be done to help students in general become financially literate perhaps at, uh at the LJC level and poly level perhaps at this age where the students are, more mature and uh more uh


transitioning towards a period where they will be have to they will have to start measuring their own finances I think more can be done and I think that as of now like many people only start learning or many people around me have only started learning about


investments and other things relation related to finance when they start university where the university's offer different like clubs or like CCA were they really didn't exposure as to what, investments or unit trusts are like and how to use them both personally and perhaps if they happen to work in the financial sector in the future


I think as of now because, I haven't really worked and I don't really have as many same as much savings as my parents do and also with the fact that I'm not very aware of how investment investments work or which are like the best stocks and shares to invest in I think right now perhaps


I'm not very comfortable with doing it but perhaps maybe in the future when, I am, more aware of how the stock market works or how which investments what investments are good to make then perhaps I'll be more willing to


okay sorry can you repeat your question I didn't really hear what you said


the only thing that I would I don't think I would separate it based on like work or school but perhaps I will have, one savings account and another account where it is linked to my like debit card for my spending because as of now I only have one account and I think that like because of the amount in the savings account I think that sometimes I might not be very aware of how much


I actually am spending so perhaps by separating it into a savings account where I allocate a certain amount of my like pay or salary to the account whereas like the rest of it goes to the account where I can use, to, to spend on a monthly basis or


on a ya on a like regular basis then I could be more aware of how much I'm spending and at least if I happen to spend all of that in the account where is where the money is allocated for my spending I will still have savings in the other account ya so what about you chivonne


oh I haven't really what what do you think are the benefits that make credit cards much better than debit cards could you share with me first before I make a decision


as of right now perhaps it is not as relevant to me because I merely just use my credit card or like whatever money I have to spend on things like food and shopping but perhaps in the future when I travel and I can actually reap the


benefits of this cards like the KrisFlyer miles or the different other benefits that credit cards have that debit cards do not then I will I will probably end up using a credit card in the end but as of now I don't think it's necessary for me


I think if I were in that position I would also give my child at like similar to what I have now I would just give them a debit card because debit, card really it helps them be more aware of whatever they are spending and, ya I think that it really is important at that age especially if they are not very I think I mean sometimes if it depends on what age okay if I happen to give my child a card at the age of sixteen because they happen to need the card and I am unable to


for certain like due to certain circumstances and they are not very aware of their spending or the especially like they're not very thrifty and they like to spend a lot and with this new found like, avenue to spend money without my knowledge unless I go and check it I think really a debit card would be good because at least they


would be able to check the remaining balance and track how much they use rather than only, receiving the bill at the end of the month and then realizing that they've spent all that money and irresponsibly and really there is nothing to do about it other than pay the bill


I think it always is a good I mean, it it always is good if the parent has some form of control over the child's expenditure and their finances so personally if I happen to


sorry sorry sorry , if I happen to, give my child a card like a card in the future I would definitely want to have a joint savings account with them so that I'm able to keep track regularly on the expenditure and perhaps


if they are also if they have to make big purchases of about which require like a few hundred dollars I think that with the joint savings account it needs it will require me to, like acknowledged the payment before it goes through so it can prevent this way I will also be able to prevent my child from spending unnecessarily or spending too much without my knowledge


so try restart because it's been recording for like one and a half minute


negative experiences


I think one time that I felt very trap and helpless was when I was in primary school


so what happened was I had this group of friends and then we noticed that there was one girl who didn't really have friends and I'm not sure why she didn't have friends but we felt like me one me and one of the other girls in the group felt like she was lonely and we wanted to befriend her and perhaps include her into our group


so we went ahead like to invite her despite, not seeking consent from the other girls in the group and so over time like it was a good lah and she like, blended in well with us and we could talk and we were all quite happy but then suddenly she decided that she disliked me and I was and then she slowly but surely like bad mouth me to like the rest of the group and she just decided like oh okay let me just try and turn everyone against her so she


did and then they like kind of kicked me out of the group and I think I was just so like I felt so betrayed because firstly I was the one who was, one of the people who like got her into our group so that she wouldn't be lonely and she would have us to like spend recess with or just spend time with or befriends with lah and then like for her to like just suddenly like me


for no good reason at all and then just like I mean if you don't like me it's fine but you don't just like like kicked me out of the group that I, like welcome you in cause I saw that you needed like like that you could, have, like you wanted friends and perhaps maybe you are struggling to find friends so I was one of the people who welcome you in and for you to keep me out of the group


and then for like the rest of my friends to actually believe whatever she said I'm not sure what she said until this day but ya I just felt very helpless and, I didn't know what to do and it was very tough for me at that point in time, ya


I think we just let it be because in the end my friend group like the whole group fell apart in the end and I think they went their separate ways but then after awhile I think we reconciled and the original friend group came back together but then


think the girl who had kicked that kind of led the whole, kicking me out thing didn't come with us so I didn't really want to bring it up and ask them why like and what happened like what she told when she told them so that they would all disliked me also because we weren't in good place at that point in time after that so I just didn't bring it up


I think at the beginning I did spend time alone but then I found other friends but then how to say I mean it's quite bad but I did it for like


I found other friends and they were really nice and they welcomed me and I think they kind of sense like what was happening with me and my other friend group so they were really nice and then they welcomed me but then we just didn't really clicked very well so when I notice that, like, my previous friend group was falling apart I went to like


asks the girl's individually like oh like do you all want to hang out again so we just started hanging, out again and I like I I told like the group of girls that I was hanging out with temporarily because they have been very nice and welcomed me that like whatever happen lah and I just told them and they were very understanding and they are very nice about it so ya I kind of went back to


my old group of friends, ya, what about you is there anytime where where was bad for you


I'm so sorry you had to go through that think at that age I think primary school primary school like people can be as in is a nice time where everything can be fun and stuff but then like people very immature and they really don't know what they're doing so , skip both did not have very good experiences in primary school I guess


I guess so so what what are, can you describe the saddest scene you have ever witnessed


I think for me was also the funeral or a relative I think a couple years back actually when I was very young like one of my grand aunties had passed away and I think it was very, sudden because like nobody really expected it and and then I remember this it being very sudden because my mom received a call and she immediately dropped


like my sister and I off at my cousin's house and then at that point in time my cousins and I will just like so happy because we were like !yay! we can like have a sleep over or something you know so we were very happy but little that we know that what was happening because and I think that we didn't really want us to like be worried and stuff because they themselves were already like


so the stress so when we finally found out like I only found like I think I found out like on the phone like they told us on the phone cause they were all at the hospital and I didn't get to see her because I think we were very young


and they didn't want us to go to the hospital I think cause many people were there already so I didn't get to see her but I think at like the had to wait and at the funeral to see all of my family members the people that I love all grieving and crying nonstop and really struggling to just get through the day


and, ya I think that was just really tough and especially at the funeral where you find it you know that she's gone or she is gone forever I think that was really tough and it was one of the saddest scenes that I witness to see like all my all my family members


grieving and me too lah and I felt really sad because she was very joyful and she brought so much joy to our family and and to see her like pass away it really was very tough for all of us, okay so like maybe could you share with me a time where you felt like nothing you did was enough


ya I can totally I think at the beginning of like JC two I was very swarmed with a lot of extra curricular activity so I started to not do well because I wasn't I couldn't keep up with the class, and then after that right I just okay for one particular subject I was doing especially badly so then I told myself okay I have to put in more effort for this subject especially because


I really had done badly and I didn't want it to keep up this way so I put in like a lot of effort for this one and then I kind of neglected like my other subjects because I knew I had to buck up in this area but then when the exam came right I just felt like


like my mind blanked and then I was just like oh my goodness like how is it like how can my mind blank now like I've literally been doing this so much, and , and like to think that oh I sacrificed like I I possibly have sacrificed my other grades


to make this grade decent and to blank now and then to like do badly like like why and then so when my results came out after that, it wasn't very it wasn't that great but it was okay it wasn't great so it was quite bad but it was an improvement but I still felt like oh like I still felt like at the bottom of my class so I just felt like oh


like how is it that I sacrifice so much and I try so hard and, it's still is so hard for me to just do as well as my peers or even like like you know you expect like some I mean deep down I was like okay as much as like I think that I can't jump but a lot that I really want to jump a lot and I hope that ya so I was just hoping that I had done better but then


I didn't and I just felt like okay whatever I'm doing is not good enough so ya that was pretty tough for me


so chivonne what is something that you worry about often


I think similarly the thing that I worry about is like my loved ones well being especially like because of COVID and like how some like susceptible we are to the disease and how, like, contagious it is I think is very worrying especially the thought of like


especially the thought of how easy it, can be transmitted to especially to the elderly and my grandparents and to, see all videos online of how people struggle and struggle even to breathe I think it is very worrying so, I mean with the cases going down it has been more


like comforting I guess but I still worry about my loved ones well being, well beings and ya but I also at clearly I really agree with you I think my studies too I think in this point of our life studying is our priority and if you don't fare well it really just


I don't know it's a very like, there's a lot of pressure to perform especially in singapore with the rigorous like education system and I think that, now that as we, are going into uni I think it is really really scary and I just am worried about the new environment and how I will fare as similarly like like when I'm compared with my peers and stuff and I think that that is something that really worries me


can you give me a while to think I think I have to think about it what about you,


I'm not very sure I don't, know as in I think that if I had when when this comes when you ask me this question I think it does like stuff like procrastination or like something that I can change will come to mind but as for like


okay maybe I mean it's very superficial but one thing I wish I could change is my poor eyesight, like it really is such a big inconvenience sometimes and I wish I had taken care of my eyes earlier but


ya it is kind of bad, okay, it sorry I couldn't hear you


not to meet my expectations I think it is similar to that previous, like previous story that I share I think it was really about me putting in effort and thinking that okay I put in so much effort and I think I will be rewarded for my effort because


it my effort will like shine through and it will pay off and I think that too, not meet that expectations that I set up for myself because, thinking that okay I'm working this hard for this goal and I should minimally made this expectation I think ya there was a time where I really


felt very helpless and ya it didn't meet my expectations what about you


hi chivonne do you happen to have any moment in your life where you thought things were bad right but then they actually turned out to be better than you were expected


I think that when I think about something that turned out better than I expected like the first thing that comes to mind would probably be my A levels I think that during when I was in JC I struggled a lot and it was a very


very tough time, and with so much content and like from transitioning from like secondary school to JC was really a big jump and I struggled a lot but I think after a lot of hard work and despite a lot of uncertainty even until the end, I think in the end


my A level results turn out to be better than I expected and, it was something that I felt very thankful for and thankful for like all the support that my family and friends had given me despite me not feeling very confident about myself and that really helps me to work hard and really it I was rewarded for my hard work at the end of the day


ya, so , ya thank you chivonne okay, what do you think it's something the nicest thing that someone has ever told you


I think maybe the nicest thing that someone has ever told me is like perhaps an in depth like description of why they love me I think it was from my family members and from my friends I guess I think when, someone really tells you why they love you and why they cherish you as a person I think it was really very touching to know that you are loved by others for who you are


ya , I think of it, one of the


happiest moments in my life was probably on my sixteenth birthday I think that like on my sixteen birthday I was really able to spend a lot of time with my family and friends and I really enjoyed the day itself because I really just felt so blessed to have the people around me like celebrating my birthday and


I remember that birthday was especially special because , my parents had taken the time to support me I mean not support me to celebrate it with me and like to surprise me in school, which was totally unexpected and I think that it was so nice of them and I really didn't expect it and ya I think I was just really happy to know that I have my friends and I could spend this time with my loved ones and they were happy for me and like


they were there to celebrate my birthday with me so ya what about you chivonne what was the happiest moment in your life


!wow! wait what giveaways did you win was it like a lucky draw or what


well it sounds like you have a lot of free things coming your way recently , okay, so could you share with me like I I know pre COVID we were able to like travel and go overseas and I really miss that so maybe what what's one of the most memorable travel experiences that you had


I think recently okay it wasn't very recent but I think a few years ago we my family and I we visited the grand canyon and arizona and I think it was so breathtaking and is one of the world's natural natural wonders so we were perched at like the edge of the towering cliffs and it was really so scary


but the beautiful like colorful rock layers which record billions of years of history were really just such a magnificent sight to see, but then like when we were at the grand canyon it was really also quite memorable because there are certain to prevent people from falling off like the cliffs right there are certain barriers


but then there are people that actually climb over those barriers and and those like I feel like they are some professional photographers who like want to get better angle so they purposely climb over the barriers and then they just stand at the edge of the cliffs, that are that looked like some of the cliffs or like the rock structures are very like I think cause of erosion and stuff then it looks very like it doesn't look like it will support their weight but then they still try and climb there to get like a good angle or because they are like stunt men or something and they want to like feel that


exhilaration from from like going to the edges of the cliffs and stuff, so that was really scary for me as in I was already so scared to go to the edge of like the part where it wasn't even, okay basically the parts that my family and I took photos I wasn't really scary and we didn't really go near that edge but then to see all these people like just going to the edges of the cliff and even climbing over the security barriers


I think it was really scary for me and I was just feared for their safety while watching them but then they seemed like they weren't really scared so I guess it's just different because I don't find exhilaration in a this kind of thing


yes it was pretty high up and there are people that have died there so like, I think I think, I think the worst security like patrolling the area but you know the grand canyon itself is so big it's actually like from the for the route that we walk there's actually just like one big circle around the whole grand canyon so I think it wasn't very possible


for the security to like always be aware of what the people were doing and ya, because it it really is quite big, yes you should


okay I think this is pretty weird but someone told me that I have nice feet I think cause I have a very high arch which is very painful sometimes but someone said oh your feet are so nice and they'll be good for dance because I think it helps you with your


ya so it was like because I think if you have a high arched it helps with your like when you point your feet or your turn out or something like that so, so someone told me that I have nice feet and then I just felt really awkward and I was like okay thanks


what about you


have you have you tried holding an almond next to your eye to see how similar it is in terms of the shape, , , I think I'm most thankful for my family and my friends and the people around me who love me and I think that I really am thankful for them because like as I said before like when I'm going through the all this trials and challenges there are really the people that support me


whether it is through like the smallest of things like like sending me like notes and asking me if I am okay or whether if it's through helping me and I think for my family is like I think for, my mom to always like, cook stuff and like cook my favourite food when I'm feeling down or cooked extra food when she thinks I'm feeling stress I think these things that family and friends really do to go the extra mile to like support you and to show you that you are loved is something that I'm really thankful for what about you


okay so what do you think it's something you used to hate as a kid but now that we are kind of young adults are adults now something that you love


oh my goodness same I think with like, age catching up with us


okay we're not that old but like as we have grown older we really treasure, sleep and every waking every minute every second especially when I have when I started school like as a kid I also like really enjoyed staying up late at night and like doing absolutely, like I don't even know what I was doing but I just didn't like sleeping and I would like maximise my time by playing or spending time with my family or playing with my sister but now with like work and


with school starting like secondary school up and like JC starting at, seven AM really I think in the mornings it it really is very tough for me and ask my mum for five more minutes five minutes five more minutes and really every minute does count


and it does made the the day feel so much more bearable with an extra minute of sleep, but ya something else I used to hate as a kid was broccoli I used to hate broccoli so much I don't even know why like it just tasted so bad, and then my and my sister I would just always give each other the broccoli and then like we will use it as a way to bully each other like we were not happy for each other then we just give broccoli to one another because we hated it so much


and then but then now it it is quite nice I like it it's very nice and crunchy and it taste better than, what I had thought it did when I was a kid


so chivonne what was your best birthday present that you received and why was it the best birthday present


I think mine is also quite similar or like I think the most memorable or, the best birthday present that I can I still have with me is a scrapbook with that my friend made with pictures and memories that she had written down that we shared together


and I think it was really very, like I could see the effort as she put into it because she printed out like pictures of all of us then she would cut them all out such that they would all then she cut out I think on the cover page a headlight more than thirty photos on the cover page of us and she I think it really takes a lot of effort for her to have


done that and to read and recalled because she gave it to me quite a while back I think for me to like from time to time I still do like take the book out and I read all the memories that she had written down and, not every night but like ya I recently like when I take it out it really like brings me back to the different memories that I also have forgotten and it just reminds me of the time that we


spend together and how happy I was, when we were still like in the same class


I think it would be home cooked food especially my mum especially Saba fish


I don't know why like recently I started learning how to cook from my mom and then I learned how to cook Saba fish because from my mum because it really is quite simple but it's some it's a meal that like my family like I always look forward to because it's so simple yet is so yummy and it just reminds me of home


and I think, that it really is something that can cheer me up mah because I know that is cooked by my mom and it is cooked with lots of love but I think something else that really cheers me up despite the calories it won't be ice cream I mean if ice cream had no calories I think I'll be eating it much on


more often and I'd be really happy but oh well it is very fattening so maybe not very often but ya what's a comfort food for you chivonne


, is it like a plain egg or like an egg with like


maybe she has like a secret ingredient that you don't know of like Soya sauce or something I don't know


it ya maybe you never know, well that sounds nice maybe you should try and like watch her closely and make sure she doesn't leave your side and then you just try and replicate whatever she does


(ppl), (ppl) ya cooking is tough, (ppl)


correct that's what my experience is uh most of the time our uh I mean, saving account is a minimum that we will open even for my children, and their current car previously we actually we we have check right the check will say uh draw directly from our saving but lately I think many many of us will already go onto uh digital pay play ah for our expenses so current account is is quite inactive now ya


the, ya ya correct the their their come uh bank uh bank, that uh have certain promotion uh period for their fixed D ah certain time their fixed D is pretty high and then this fixed Ds also come along with certain string attached ah so is depends on


uh whether at that moment uh whether you you have that amount of cash with you just now uh, lily they they actually saving is more like more than uh twenty K previously wasn't, ah ah yes


I have been gone on one or two before, yes yes, yes yes, ya ya so it's just a lookout lah if you really kind of uh be more alert ah then you you can have a lookout on whatever promotion that are on for these investment ah they have roadshow also ah


oh , oh okay okay


ah business is it more for business use, personal also have


!wow! okay under !wow! it's good for you , !wow!


correct yes, updated information


ya this is prestige lah your status is different , ,


ya understand understand, study loan I think


oh yes oh yes oh yes credit card yes, ya they got various type of credit cards that attach to the bank until I really so confused


so many type of , oh ya they have a reward point ya where you can redeem ah uh so that that that's why uh depends uh some of them may have many cards with them but for myself is I will try to focus on one or two so that at least uh the reward points can be accumulative and then again uh I do enjoy this


reward before I had it uh so it's quite uh quite good lah this is a as a bonus ah to to sign up with this card, eh I heard I heard people really play along no their this card because credit card payment has you know it's always uh a month grace period right so there are people there there are those who are I I think they're smarter with figures lah not me ah I heard lah they say !wah! they can convert this


uh change this card to pay by the other card and then !wow! so many many thing going on ya ,


ah correct and and if if you talking about this just just side track a bit did because during during the travel fair this certain cards has certain promotion , that's what we're trying to tap on it uh basically we are the end user so we are the client so any benefit that they they are trying to promote then is is for us to to grab it lah see see whichever


ah oh yes ah correct, oh yes yes ya, correct correct correct they allowed ya


correct ya it, ya you can just portion yourself lah see wherever wealth that you have can portion out and then do your , uh get the better gain from from it, ya ah the the the study loan what I what I know about the study loan is uh the the person the student ah can after completing their some programme ah some some bank allowed them to be able to so called defer their payment after they came out to uh graduate and then they they came out for a while then they start


to pay up the loan which is sound sound uh better (hmm), ah ya ya uh, depends on the programme depends on the programme but at least it's not straight away after you graduate ah then you need to pay up then it's so tensed right you need to go and get a job so there is a grace period for them to hold up with the loan


ah yes, yes ah ya


definitely ya, uh ya for uh for insurance they come to be uh okay there is this personal, uh that endowment where is really you do your saving endowment that you save for uh certain years number of years then


when it matures you can get a big lump sum of it ah then this one will be kind of uh the the, the banking in that means the saving is is pretty much more than uh the next one I'm talking about is life insurance so life insurance is something that is quite minimum but it's stretched a longer time and again for life insurance is uh I has he says ah until certain time until end of almost end of your life then you can get it lah


ah, correct correct ya, ya and also the other one will be quite a quite a well to known is the uh the health insurance where is actually a term insurance the health insurance is really kind of every year you just pay if you have anything on ah


can claim but of course depends on the condition lah depends on the package that you you go on and then if fulfilled for the claim ah then you just submit uh then for the uh, then there is this kind of uh there's a, travel insurance where very popular right where we travel then you whether you click uh for individual ya oh ya now COVID cannot uh some uh these travel


insurance some of them may be uh buying for annual uh for my case uh I I only ad-hoc you know has and when or you can buy purchase a a travel insurance for yourself alone if you are travelling alone or there is a family package also ah, so so this is uh more on the insurance side and also for insurance there is this uh so called break uh surrender value okay there are insurance where you they they ask you to to pay a certain time


and then you can stop paying where it served the rest of the uh years to come I just run , I think they run on dividends ah nah ah then some of them may will where some of my programme lah like that then they will say uh uh you must be watch out for these whether they charge you extra rate at an interest rate of upon this


so called bonus ah but uh I don't uh some of them don't don't have so it's depends on various company that you you got your insurance from , and uh and then some of it I do heard someone saying that insurance is true that it's better to wait for it to matured but again until certain point of time if you need to surrender uh


is is better they say the the the break off is I think after fifteen years ah then you will not be Rugi ah, ah, ah yes yes, yes yes yes, ya


correct correct and again uh uh uh again, for insurance wise is uh it's not like just banking banking most of the time is you approach the bank insurance is, they come to you


either your relatives come to you or or once you graduate you know your your batch of friends will come to you ah, oh yes oh yes uh yes there recently there is uh they tie on that's a bit confusing lah sometimes they say is insurance but it's actually investment


so uh they they only they only link up with your the the death ah that, that portion with you that means it they don't link with illnesses and other conditions ah so so


, okay, that's about it's just


oh of course the yes correct, correct correct, oh yes and then motor where vehicle ah when you uh uh ya the vehicle is a yes


ah, so that is what wherever you cover your third party or something like that , that one also uh considered has one form of insurance ya, okay uh, !wow! okay possibly


ah, uh yes but I think it's also your your luck no the the the time of where you have that bulk of money and the market really has that kind, of supply where you can really grab it because this really kind of , is is really your your your luck coming in uh buy buy a property is not uh ya many a times uh especially property ten ten years ago ah it was very hotcake where many people buy property right ya ya because it's a is a form of investment but again ya


ya that's right so it's a market study ah ya


yes yes uh well that is, a a lot of studies there ya definitely


ya ya, ya ah ah


ya what what I heard was uh previously the condo was just under so called they, they haven't build up so they they they buy one unit right they purchase this unit and then they sell sell it so so uh uh that mean they they I think they sold it then then that's why uh the thing was I heard people actually getting richer because of this the way they they do the transaction between the the


property yes , correct correct correct


ya ya


correct I'm ya, ya this this thing I think uh uh should say we are we are great to be here, our policies a lot of rules they realise the market they observe the market and in fact is these policies come up in fact uh as protecting protecting those that who are uh at the lower lower at I mean I'll risk lah I would think it's it's good lah it's


good otherwise is everybody like no everyone, got the got the share of the market and then so happy with their earning and the other part the other big bulk of citizen I mean people will suffer because this is so expensive to buy a, buy a unit right ah so uh ya so should be we are we're we're we're we are lucky to have something ya safeguard yes


, yes, ya ya in singapore yes ya for us uh ya this is a small country so lands are limited uh again if lands are limited every inch actually counts so if uh the that's why it's come along with !aiya! I think you'll really kind of uh get get a lot of blessing for your uh ancestor


you do a do a good deed you know , that I helped you to to gain so much, well the where you are where you are here where you are now ah but again uh ya this is a small of


ya lah ya ya uh these are small portion of people lah I think uh it cannot generalise yeah, , ah yes yes ya yes


it's very attractive yes it's very attractive ah that ya it's so attractive that, uh but again this is uh kind of uh you have no choice ah I mean it's you cannot opt out so it's a it's


it's a form of a it's a form of financial management uh for uh for retirement lah in a way that long is for a long run and uh again uh the CPF portion has been equally so called being studied and then portioned out to cater for different needs for uh for an individual


so uh ya so it's worth uh in a way to to see lah I mean it's it's not a silly thing to put in lah , ya ya and and and actually only lately they come out this retirement fund right the retirement uh account where earn much interest


(ppl) then people still think that okay [lah] in that case I put my money back (ppl)


negative experiences, negative experiences


entrepreneur you mean you're on entrepreneurship, oh oh okay, oh I see I see, ya ya yes


, okay ah, correct correct yes


correct ah understand yes correct correct , the worry lah yes, yes yes


(oo) okay okay, okay oh I see, ya ya ya ya but yes yes yes


oh yes enrichment classes ah and therefore don't forget you need to uh other than the house loan you still need to feed a to to buy a car a vehicle the vehicle costs so much ah


yes yes yes yes yes


but ah, talking about the something that not so good due because uh I'm I'm always uh uh so far uh I'm a employee so the the experiences with a employer that made me very sad was uh when we were young ah we're energetic right so we go and help ah anything they ask me to do


I do ah but then ah the boss ah will take for granted know they will say uh uh they I mean the bosses I were I mean I were I know that they they also like like what I mean when you run a business you worry about your future where your market and uh whether things can work out well


but has a has for us who are newly step it step into the the industries, they just want us to do this and do that until really kind of a time where where I uh I cannot take it know I go and I I when I see go and go and see doctor know then doctor, really uh I tears I tears in front of doctor then the doctor say what is going on I I I I know then I ya I told her I told him uh I just don't feel good but I don't think you are my counsellor but I don't know why I tears so then when I ya


correct yes yes yes yes yes yes yes


yes yes ya , ya ya ya, correct and and ah, correct yes yes yes yes yes yes


and and then I mean uh with my character I'm actually very outgoing and then uh quite quite a cheerful kind but then there was incident where I I actually quarreled with my , colleague you know I also cannot imagine myself quarrel with other people ya but then that was really kind to very stressful and you just


couldn't get support from from them so so uh and then ah ya that kind of they just accuse you of doing things that you are not doing so it's it's kind of a really something that uh it it it as to have a good, a good employer does the the superior that you could support you ah that that's really a bad time during during my work life ya for my work life yes


!wow! !wow! oh, y yes, ah ah ah ah ah ah ah ah it's


yes yes yes, ya ya ya oh, ya, !wow! !wow! !wow!


oh dear , , okay yes yes,


correct yes yes, oh my god oh my god ya !wow!


correct correct correct yes yes, ya is it ah that that that's that's the thing ya


oh indonesia okay, yes yes


ah ah ah ah ah, ah ah


ya ya like that backdated lah it's really backdated yes yes ya, (oo) oh okay ya yes


yes ah ah ah ah, ya for myself is uh I was once posted to china uh Hainan Dao then they check in to a not a I'm going to I'm going to say it's not a five star hotel but reasonable you know the outlook of the hotel is decent is good but then when I go into the room ah


I feel very eerie leh really I feel very eerie I say, something is not right this was the first time that I I experience in this hotel in in the it admit in checking into a hotel so I I get them to , uh I think I did stay one night ya ya ya I I I think I did stay one night and then but it was not a good thing so I told them uh the next day I say I I I wanted to change room change hotel if we cannot change room I change hotel so ever so uh


travelling abroad is is kind of uh that time I'm I'm like you lah alone [loh] don't uh but I have their locals to to bring me around so I will I luckily I have someone to guide me so I will ask I told them ya I I don't think I want to stay in this hotel and then another bad experience with staying in the hotel is I brought my mum


we were travelling to guilin I mean it's only recently uh two years back or so okay when we book hotel we will say uh low floor because my mom uh you know senior mah then who knows who knows these their in in guilin many of they their hotel they so called hotel ah motel ah


they they was actually from uh like our our uh three story that kind of mass uh the the bungalow kind of thing know they they actually convert into a a motel then they of course they don't have lift but then I I it never crossed my mind, so ya low floor three floor I say ya mom it's only three floor not high who knows when we were there my mom had to climb up the stairs know ya so then like


told her like uh ya ya we we says because ground floor there's uh there there's no room so it the the at least uh the second floor so we asked for a change of room so the thing is uh ya sometimes travelling may not be a good experiences if you uh if if you did not go into this kind of details ah ya


ya it make it very bad ,


oh ya ah ah ah ah yes yes, correct yes yes


oh reroute lah you reroute to another destination oh I see, (uh huh) (uh huh) (uh huh) ya


yes, ya more cautious ah, , ah, ah and modified


ah ya ya


ah ah, correct ya ya, correct correct correct yes


yes yes yes, , correct correct ah ya the old time ya yes ya yeah I ya this, this may not be it may not it it it sounds


bad experience for for us when that time we will feel ourselves like not so rich or not so well-to-do or not uh quite lousy but uh yeah but sometimes we look look back uh for the uh I would rather say, these bad experiences for the younger generation also uh like being well fed you know spoon feeding they just they were just they they wanted to know uh the the end the end product ah they are very they they are exposed to only the end product they do not know the processes so they take thing very lightly ah


so this kind of experiences is ya is a worry lah is a worry that uh whether or not


, oh I see I see ya so that means for yourself is the your your health any uh ya are you on your three high I mean your cholesterol or whatever no okay good okay


, ah ya ya ah , ya ya


ya because uh, , , ah ah, deteriorating lah in the sense but uh ya no what what what I want to I want say is that some bad experiences where you go to see uh consult a doctor


where they they actually they actually let you wait waited for so long and they only see you five minutes ah , ah ya


(oo) so painful, ya (oo) oh okay, ya the nerve already sense all yes yes


uh uh, ah ah ah ya ya


(oo) okay, yes ya sometimes ah part of it they they want you to be alert in a way ah so they do the locals anesthetic ya ya uh, oh oh oh oh


oh my mine is ah actually after a surgery they need you to go and revisit them right so it's often a time that a long hours of wait and then they see you five minutes and then they just tell they just look a take a look and that's it you know kind of uh uh then they charge you


and nothing much to say ah I then I was, thinking whether is it necessary because they said you didn't complain pain everything goes well uh ya then you can go home already then in my heart I mean logically if you can see ah if it really, there is a pain or something happened right I mean for example inflammation or or something that uh


ya like kind of uh allergies came out we would firstly go to the doctor right so then we I mean if we don't need to waste this time to say okay I I I set a time for you to see me but I see you are fine, rather than I would rather say that okay I give you open uh open dated uh three uh three three visits so anytime that when you feel not well then you come to me then that that would be good what so


unless ah or else you have any questions to ask then you come because otherwise you really ah ha oh hello hi good then go I feel that is really, terrible eh ya so it's really a waste of time, ah waste money waste time ya and and again I would rather think is also wasting their their their time also so


why not they just save it now and then do something more better for others so there's this is really kind of , not not uh ya not pleasant at all lah though that is looking after our health I mean uh trying to be concerned but it it never give you uh they didn't ask you for that say oh after this surgery how you feel uh no they haven't given you that kind of positive uh tips at all have you tried this actually you can do this don't worry that ah


uh you you you you are incapability mean sometimes after surgery you feel that we are very weak right uh we always say that we are uh we can't do much of this and that, thing so as a doctor probably you can you know give us something like that at least we see meeting you ah is still better or probably they are not they are not counsellor lah


that's why they cannot ya ya so it's very very bad


(oo) that's why ya ya


ya ya my mum is very impatient to sit and see doctor but we say that no choice ah because uh it's scheduled so got to go then uh again with senior around of course I mean we will accompany her so it's wasting two of uh our time also


so uh that that is really not not not a good thing ah ya


ya ya, ya, ya ya, that that is some uh that is uh my husband sometimes, will will do that he he knows he he he he also don't want to waste his time so he will call cancel some of he postpone some of his appointment but when it come to my mummy I will uh still still there lah I think because it's a senior ya


, ya so but uh something like that uh we would uh what else to of worry about that uh ya what to worry about


worry about what to cook ah what to eat that's the worry that is the daily worry we always worry about what to what to cook uh uh


no their married status uh marital status because now it's already critical yes that's right


okay, positive experiences, not yet


yes correct ya, okay so the nicest thing that someone told me ya, about myself is uh my family they says that uh is I'm lucky you know to have a you know it uh one girl and one boy kind of thing and now my children I have two children ya so uh ya then uh again uh we have a


our family is uh not well-to-do but able to manage and then we do have occasionally go out for holidays and then uh, ya we we enjoy uh the moment together so and uh probably that's how ah others can see us when we out for dinner we'll we're together then they they they say it's a happy family so it's this is the best thing that uh uh


I mean ya I heard from others okay so what is the best moment in my life is of course uh, uh then is this is at at at the moment now is uh ah my mum is still with me so that's why I think uh uh I still uh enjoy the relationship uh with being a a mummy and being a daughter


you know ah so this is the best moment uh uh currently ya I'm I'm uh happy moment in my life,


oh yes and mummy will cook the home cooked food , long for for the home cooked food yes yes ah, ah and and talking about that also uh previously when we were young oh my mom don't really involve us in cooking


but now she will says okay now is the you all take over the kitchen , so it's it's good that we we really kind of uh learning there and then eh how do how do you cook this and how how come you make, in such a taste and then she will demonstrate lah so so is a really a good a good time interacting yes yes and


oh the younger generation !huh! ya they they they stay on to their handphone ah , but but when come to taste bud they are better than mine ya they are so


good but uh then uh of course uh they all appreciate my mum's cooking so so they they also looking forward for the signature dish ah , we are learning how to cook the signature dish ya, uh frankly speaking cooking is not my my skill ah I would sit and and eat lah I'm fine


and and uh I, quite impressed because my my my daughter she is very keen in cooking and and really want to learn ah really want to learn from the from my mummy so uh ya what I did now is uh sometime schedule moment uh days that they are able to meet up and uh get all the ingredients lah then I was just just be the translator yeah


the young children now they don't really know the our some dialects, so it it it uh we're middleman to do the translation for them ya so very interesting , ya ya ya, yes yes


!whoa! ya !whoa! relax, ah but putting on weight leh ,


, , oh I see I see, okay okay you join them for exercise that that is a good suggestion yeah uh then because of this uh the moment with my my mummy so I've been uh planning or we have done some a few trips with


our uh the sibling that means three girls with my mum we went off for last year a few trips we went to even to, to alaska and taking a long-haul flight and then my mum, really great she she can take oh yes yes yes yes yes and even we extend our stay in


vancouver and of course uh ah that there's there's further then we also brought her down to tasmania, ah tasmania is with my brother plus my sisters because my brother has a timesharing with at tasmania ah then we also at that point of time my mum will sit back and relax lah then my sister will prepare the food because uh when you do the uh timesharing you have the kitchen for yourself ah then then we'll do the cooking


though that we are overseas we are still eating local our own so so funny yes


ah ya, ya ya, okay yes, those museum lah I are also not my kind oh museum is yours


so at least you are good uh I would, skip temple museum uh but uh, oh that is mine ah I love but you look at my background my I love beaches ya yeah I I I won't mind spend whole day


like laze around you know at the at the beach and then you know have just just the wind with me then my mum enjoy that my mum uh love uh waterfall too so if any place that is with waterfall she is she's she's she feel very refreshed


ah ah oh no , she will always say !aiya! !aiya! how come the floor so slippery I say mum you asked for waterfall I don't of course the place is, definitely wet uh but again she liked uh, you know the the magnificent kind of the the the whole thing's coming down the water and also the sound of it when you are staying away know that it won't ah so this is this is something that is uh the nature lah that that's the nature wonder uh that yes


yes ya definitely definitely ya ya definitely


ya ya, ah ah ah, yes exactly uh but the the thing is you know now now we travel not so much as in the past where we travel in a tour group right so many a times we plan and the youngsters will plan and I were really amazed my my my mum really can adapt know


she , we we we actually get our luggages and walk and walk this east eh no no no you know that wasn't this east direction then we walk the other side ah she's so funny she say ah you all know the place, or not but then again we just tell let her know lah it's to explore


and then uh so it's so much different from the way that she used to travel in the past where everything is catered for I mean where you eat lah where do you shop lah and what how many what are the dishes available so so for us when we we get her on ah she really uh open up and then accept


now she my mum like pizza and spaghetti she can even ask it if when even when she asks she's like, salmon when we were in new zealand !whoa! she loves salmon so much then we also got to pack to the uh hotel and then let her so


I I think it's it's pretty kind of uh quite uh addressed with uh this this openness uh within her and uh and and the most interesting, part when we talk about currency uh the when we talk about currency, she will I mean uh by I mean usually lah ha mummy would say how much ah how !oi! how much you all spend how much is this so that's why that's why uh there are a lot of good times where the children even uh when overseas how they interact with my mummy to count money how much is this #ah mah# this is ya ya so fun


ya uh uh , so so that is really a good interesting part that uh topic on interaction lah because uh when they are in at home and we are hometown I mean come back to singapore


I mean children are busy with friends busy with their studies ah so so they even they say go back to uh go back for dinner with my mom, ah the the things was not I mean the the duration was not long and there are so many younger one with her so uh interaction part was not that great it's only through travel ya through travelling that is a


there is a time where where she really enjoy ya, uh my mum speak mandarin ah then uh my my my son surprisingly uh because I don't speak english uh uh mandarin with them when they were young but my son uh because of uh coming out to work so he picked up uh mandarin it's only my daughter not so fluent uh


she she's now actually taking korean so sometimes she will tell me mum I use my korean uh thinking ah , that chinese phrasing I say ha ha okay uh then of course ,


uh yes, uh that is this block language block uh barrier between my children with my mother-in-law uh the thing is you know when aged uh the seniors can't really hear hear


well and then ah ah so so but then so that's why uh I will do the translation, ah I also pick I told my children also I'm picking up dialect from my from the grandma , uh ya that's that's that's the interesting part with it okay


ya ya, oh oh, I tell you what I I really got a good time recently because one of my uh, secondary school ya she's from secondary school she she quit from her job


I told her please don't just stay on in the office okay it's time for you to come out and relax but she she's she's really a outdoor person so she she love hiking and she cycle, then she's can cycle for a long way you know round the okay uh so that part is uh she she she cycle and she uh go up go around I mean locally lah because now we cannot go out right so she uh hiking so she brought me along then the other time we went to we climb up the


#bukit timah# hill and then we went down to the railway walk and then we went to the Kranji ah, ah, uh we walked for the whole morning eh four hours at least leh, ya ya ya


and we explore the nature and also we uh we had our plan lah because you know we have this park connector so amazed right I think I think we are already we are we are living in this heaven okay yes, uh park connector is all around singapore so is is depends on ya it depends on where ah ya ya so we exploring the


ah ya yes, yes yes yes yes, yes yes uh I can't uh the really uh , such a shame to say I can't cycle but I I I don't mind walking and my friend also will uh she she she don't mind leading me around and then uh there is this new thing coming up it's coast-to-coast uh that means round you know round our coast uh I think they takes thirty six hours ah then we are going to break up into different portion to walk