you just want to want to want to want to head back or days of work or something or you're just sitting somewhere you don't you have then suddenly out of nowhere got some random person then come up than just start trying to, uh you know get you to, to get you to purchase their their


product or whatever it is, especially insurance agent it always turns out a lot of things, you know they always actually most ah if not all of the ones they ask me they start with uh with uh you know like, like a sort of uh


random question lah or something like ya then they try to get they they say oh this is for uh this just short survey, or this is a I didn't take much of your time but this is not you know anything whatever I'm trying to sell you anything just five minute lah this kind of thing, so and then and then after that it lead it always lead to insurance so uh that's for me oh that's my experience


that's why I wouldn't want to, you know look for this in an insurance agent ah


yes, uh but not a lot but yes I do talk about all this uh topics as and when lah, but we don't really delve into the topic or dwell too much on what exactly you are doing we just ask and then okay next we we don't we don't we don't go into much detailed ah regarding this ya


but I think for, insurance uh I would, approach an agent lah I wouldn't DIY if that's answering one of the questions where they have like, uh do you wanna, they wanna ask us


uh would you you know do yourself or would you, get an agent to help plan it for you, I think I will, you know probably like just get an agent ya because, the, first thing is that we're not going to be in this field and we don't we don't know like everything about insurance will we but of course we have some basic knowledge as of now I have some basic knowledge only I wouldn't have I wouldn't say I wouldn't say I have intermediate knowledge ya so uh


I wouldn't do it myself lah and I think it's a lot of considerations there are a lot of work also to really consider you know the pros and cons of various and a myriad of, insurance policies from


in different insurance companies, so uh it's a lot lah, to also especially if you are not uh somebody who is actively going to do this, or who is, actively interested in this


so I would definitely get an agent to, to you know, assist me with getting uh the appropriate or the optimal insurance plan for me lah


I mean I, currently have insurance already active insurance but I don't uh I don't I I don't get too much involved in it because I think is more or less like settled by your parents lah or whoever, you know ah


there is settling for you already and your agent of course so ya even my parents like you know they try to get an agent, to to do it for whoever ah, so, but in terms of money I don't have an exact figure ah


to to really put it out there but, I I mean I'll definitely, I think be uh five figures, ya, maybe even ya five figures, ya is already


ya I think that's the the most I can say lah, but that's not that's not an exact like uh figure it is a value that I want to, to put it there, because like I say again and then when you, because for like example term life insurance whole life insurance all this kind of thing


for term life okay it gets more expensive especially when you get older and then your consideration should be especially you fifty or sixty then some people might also want to convert okay to whole life insurance, I think as far as I know there's that option in most policies


so ya, and then of course whether or not you want to some people even get like term life and whole life insurance depending on what like at the same time lah depending on what they they they, they want to, achieve ah what's their status lor like on all those things that we mentioned just now especially like example whole life okay is more for like let's say if you want to like


estate planning that kind of thing then it's better to get you know whole life, or where where there you know there's gonna be like uh better return on investment lah and that's why people get whole life, and then, especially if uh let's say, you are planning for your retirement something like that okay but but for term life is like different


you know it's more like, uh if you are young maybe you like about thirty years old plus minus, and your family, okay then uh you get, you really got third term life is only maybe five ten fifteen twenty years ya this fixed period and then only within this fixed period


then you can you know and it's and the payments are cheaper okay that's why people when they're young they tend to get this, so those are I mean these are just some considerations lah, uh that we tend to uh take into, your thoughts okay before you decide


on uh any sort of insurance policy


about people like us who are young,


ya like you said uh, , of course on healthcare but I think healthcare is okay it's like it's not a it's not a requirement or like a a priority I will say not requirement priority at this point I think maybe it's more like


, I mean but it's good to get one for healthcare because like like I mean I mean you never know okay this kind of stuff okay anything might happen anytime but maybe if there are certain things in place like uh I don't know maybe there's some sort of education insurances okay I don't know if they have that lah I think I think I know of some


okay where there especially when he I think I think is on a term life insurance policy, so, ya I think I I think I I've heard about it but I don't know that exact details but in certain time then


part three negative experiences, okay the question I see here okay what makes you stressed, okay not not not only what make you stressed lah let's say uh what makes you stressed maybe the most


ah ah uh, anyhow ah you


weird thing ah, no stress ah okay !wah! good lor good life lor happy life positive positive okay for me what makes me stressed ah, ah okay I would say ah forgetting things, ya I mean sometimes that maybe ya more stress than people think lah because I think cause ya because I'm very forgetful person lor


ya then uh, uh sometimes I I I mean being forgetful can be quite costly ah especially if it's something important, ya so, I mean that that I mean that still just me every now and then ah although I'm I'm working on it


you know you will make use of the the apps and all that you know they got phone what reminders all these right last time they didn't they didn't have that before mah so ya thankful that they thankful that they made that lor but I mean until now even then even that if that thing if, you know like especially like trivial matters then you will just okay ah I can remember lah but then I was I mean after like let's say I talk about it now then !wah! next moment I I really forget about it lah ya I think that's


something that uh as and when it makes it gives me some stress lor,


okay then uh maybe, maybe easier if like okay what do you often worry about, ah maybe that's easier


uh worry about ah, I think that was what you mentioned just now actually when I ask you, you, about stress so this one is the one that I worry about like about stress about it uh cause I worry about things not going to plan lor


but I'll I'll not be stress away lah but I just, worry I'll be like oh uh what if this thing goes you know south, or you know the thing just go haywire or something, ya then, because if let's say you I mean you plan for something so you want to I mean of course you you plan for something that means you want to achieve it what


okay you want to succeed already what you you want to fail right, ya this kind of thing so ya I think that's that's uh, uh, something that maybe I worry about often ya because, I mean like like ya like everything else lah you just never know ah maybe maybe everything you just !wah! you just you just plan when I you should you just or maybe you you you just you you you have already thought about everything possible that's gonna happen but


for some reason some way somehow the thing just still, you know happens lah then I mean ya lor so I mean it it has happened a few times already, actually not a few times lah more more than I can think lah so then you just


ya lah so of of course after these experiences you just you you continue worrying about it lah this kind of thing but I think this, uh you know this particular, thing can't really be, avoided I don't know because there's never a near perfect a a a perfect situation lah maybe can be near perfect but the


there's something that's you know you know like zero errors completely perfect ah that kind of thing, so ya lor I guess is there lor


saddest moment of my life ah , , okay okay thi~this this one is easy question for me lah , , ah can can can relate ah can relate to what what what you got you didn't the saddest moment is, uh the day I enlist ah


, that really the saddest of all my life ah I never I never felt so sad before, like really !wah! hands down, ya I think I think no lah because, uh, it's just something it's just it's just very very very depressing ah


, especially uh, I don't know lah but ya I'll never forget that moment ah that especially when, , uh let's say okay especially in something that you're you don't have a choice you know


like don't really have much of a choice uh not that you have a choice I mean you have a choice you don't go lah can ah after that they'll probably like do something to you lah, , not probably ah will ah so, ya I mean it it it's something that, you know let let's say if you don't have much of a choice in then you


you, ya you're you sort of sort of being being forced to do it, so I , ya, that was a moment where I really felt quite uh, you know trapped like in that sense like you just got to do it you know


so, ya saddest moment [loh] for me definitely especially for somebody like me, me, if let's say you are okay going away for a small small period cause I'm quite family oriented person so, I don't like to


I don't prefer to stay away from my family too far lah I mean ah for too long or long period so especially NS was that one time is really, is ya is quite uh I mean it it's not quite lah it's the sad


saddest lah until now , ya okay now your turn maybe same thing ah, , oh


what are the most hurtful words ah, uh, cannot really think of anything eh, hurtful words


uh, okay lah maybe ah maybe you start first lah you start first ya


uh, actually I really think of many thing lah okay lah but maybe okay one thing, the uh, okay there there was there there was one time, mean there's you let say you're explaining your


your your your hardships and all your challenges and everything that you're going through and then somebody I mean just I mean I mean that this person I ever he just he just tell you to just do it lah, then get it over at down with ah ah ya okay that that that that was something I felt


you know that can never be forgotten ah okay for me, I mean like if let's say somebody is confiding in you and telling you about his or her problem then you should address it what, right and I tried to think of something uh and especially if this person is let's say your superior


but I mean but a person like just simply don't care lor, ya then just want you to do it just do it and and and I don't care anymore, ya lor so I think is something, uh that uh will never be forgotten lah


and it's just, I don't know I don't know I don't I don't I don't even know what, what what what what what you are trying to do ah or what you are trying to achieve by doing that so, ya


, can also can say also lah but I mean those that those words that he said lah, ya he just he just ya, there there there there's something that I can think of right now lor, , in terms of exactly hurtful maybe it's not, it's not, it's not that it's not answering that that particular question ya but something that I wished to forget lah forget that he said


ya and then, and then maybe okay, I want to ask if like okay is there any is there any one thing that you, you know you you wish that you can change but you just will never be able to change it


one thing I wish I could change uh is my this one easy lah also for me the one thing that I already think of right now cause I'm already experiencing it as I speaking right now also uh as I'm looking at the screen, cause is my eyesight lah okay one thing that I wish I would change about really never be able


do in a sense of course there's there's there there's there's something called lasik lah okay that, that it can be done but, uh because my my my my eyesight now is, very very poor ah, is like is mad ah is mad because is is nine hundred degrees mad lah


, so nine hundred degree is like basically you are practically almost, blind ah without your glasses, your specs so is ya is uh is one thing that I wish I could could change lah, well okay let's say down the road if I decide to go for lasik all that


I mean this kind of thing ya lah you but, you, I mean if I I'm be I'm be able to I don't know, is even hundred percent because I know of people who have done it, and some reason, so their eyesight is there's there's some side effects that they get, uh I mean not everyone is uh


uh, is you know like perfect, ya in that sense where they go already then after that !wah! every, thing you know nice nice smooth sailing there's no issues ya so ya lor that's the thing that I will wish I could change ah,


going you know going back I say, , oh your spine okay


okay one time I feel nothing I do is good enough ah, uh, ya there there is there is and there's couple of instances, when i'm kind of, then uh let's say


okay when I was uh, working ya like having uh internship ya and then, I mean I just felt that I don't know lah maybe to to the eyes of other viewers other other observers around they they just feel is is is normal lah but for me is that


uh, I feel that I I really that was one of the hardest working and most industrious moments of my life ah period lah, when I when I really, work, almost harder than I have ever had then you just


you just people don't don't, they don't don't they don't feel is anything, you know good or what it's just normal ya, and, ya this is just okay SOP ya you should do this or you shouldn't do this or whatever ya they just ya then you just there's just no there's just zero appreciation lah


for everything, I think maybe especially uh depends on your what kind of position you're in also lah, , let's say of course being an intern you know and then you will be here for a short period also so people don't really take notice of this kind of things


you know is come and go, like in the blink of an eye so ya lor I think there was some there was a, a time lah where, whatever I did was just never going up lor, and then it's just ya lor okay how about yourself


paper two positive experiences


okay what was my best birthday present ah, actually I can't think of anything at the top of my head right now best birthday present maybe maybe nobody give me present lah, so so so so that's why that's why ah why no gift ah like !wah! sad ah no lah I mean


ya there's there isn't really anything eh let me think ah best birthday present, okay lah just at the top of my head lah maybe, okay just at the top what twenty two, you know what what talk what talking you okay okay wait wait wait, uh I think is uh okay just at the top of my head lah maybe uh


okay ah jersey jersey, like football jersey because I I I support arsenal lah the football club so I think my my friends know, ya my close friends then they just got it for me okay that was one of my better gifts I don't I don't I don't if that the best gift, gift, can't remember anything ah like really best best gift


so I think that was one of my one of my best lah one of my best gift ya


what did you hate as a child ah, uh hate as a child, okay maybe maybe maybe maybe like cane lah I always cane as a child cause I don't know lah maybe your your your !wah! you naughty already then your parents come and whack you and stuff with a cane I think that was my most hated one ya I I went I I I I had like a lot of memorable war with me and my and my and my mum ya


ya so ya, ya lah ya lah I mean now I love it lah cause cause ya we love it now because it's like, is is is when you when you when you see it outside then you like eh this thing is something that I used to it then it's like !wow! okay I didn't I didn't I used to hate this thing this thick you know just this thick with some


hook and then the hook can come up from the stick ah anyway by the way so ya, then like easy to break ah that kind of thing then I see already like !wah! how come this thing like I wack until damn pain one eh then got like you know marks on your skin ya something like that lah I I think that was something that I ya hated as a child ah how about yourself


okay maybe, okay like let's say , what is your comfort food ah like always ya that that when you you know you, sad and then it will cheer you up confirm will help you one you know that kind of stuff, like you always look for this thing lah


#ban mian# okay


my comfort food ah uh, for me actual actually don't really have a comfort food lah for me because I like everything ah, , I like I like eating all foods eh really except except certain food lah uh ya but almost everything like I like to eat ah as long as I can eat is like considered comforting already ah


to to, to to you know like cheer up my day or something, so ya, ya don't really have a comfort food


travel experiences ah most memorable ah, , okay okay okay most memorable, uh, ya ya ya I mean like okay let's talk about something positive, okay like memorable travel experience


, uh I would say is, , I think was my trip to, uh where was it, uh uh, shit suddenly I forget


okay I think is it was Genting Genting, ya Genting highlands ya correct I almost I almost said like something else ya Genting , uh because it's a place where I used to uh frequent a lot lah when I was a child


ya so you know on off uh, it's like you know sometime you go there then is always doing the same thing over and over again but I think uh, like one of one of the times that we suddenly when when there like one of our routine trips ah


and then , what happened was uh, uh, uh I think I went up like cause if you know Genting right there's this like you have to go in turns ah like turn keep turning turning turning turning turning all the way until you reach up ah so until you reach up ah so by the time you reach up you feel like !wah! you want to like


cannot already ah especially you as a child so I think ya then it's always been the same lah, I uh going , uh like is doing the same journey then suddenly I don't know why that's up there I remember is always like uh on your way up then your then you will just take some sweet or take something that will make you like focus oh then you suck


a bit you know eat a bit like then after that you won't you won't you won't think of like all those giddiness dizziness that you want to you know have nausea and all that lah but unfortunately ya lah I don't know why that so many times I've being there then suddenly it hit me then after that once at the moment I, like I reached there then the moment I step out of the vehicle then start walking into the hotel the moment I step into the hotel la then I just vomit lah all over the entrance


ya so okay maybe ya then after that like but it was quite, I mean fortunately it was in the in the in the in the hotel lah I would say luck luck lucky lucky that not my own car lah or whole vehicle because you travel using your own your own car then ya lor ya lor then after that they cleaned up ya so so but I mean quite sad lah for them


for the travel stuff lah I was very young then so that was one one one memorable moment but it's not only that lah because that that entire trip this was a start but then the the end of the trip or last time there was this game ah there was this game also there was this game ah that we play in Genting highland is is card game ah


is is is is I don't know is like is like OG one you know original ah is it you know it's like uh Mushiking I don't know you got you got play before or not Mushiking, that beetle ah beetle ah !wah! then after that I I I I oh that same trip you got uh you you got right the beetle what what what what hercules what what what what what step beetle ah


ya, ya ya ya so that was then after that that same trip ya I got my, favourite uh like I think Mushiking card lah ya one of the nice nice beetle lah I think I remember the beetle is called like uh


GR stacked ah GR stacked beetle ya then after that very nice lah then suddenly then ya lor I mean that one capped off my trip mah so I started with with like throwing up and then by ended up we getting my best card [loh] so ya that was quite memorable for me


that's then then ah


maybe maybe you never get before ah so so so ya lah


ya I mean ya okay a time you got appreciated okay one time, uh trying to think or something ah uh okay I think it was in part time part time okay my part time work, think that was the one time where I I felt like


uh a bit more appreciated lah although it's a very simple gesture but it I mean it goes long way ah because okay what happen was come I was in part time work, uh uh in uh, uh you know helping to


uh in this uh the company, the ecco ecco E C C O is a shoe brand are a tennis shoe brand, so I was there as a part timer and then uh ya I mean like after doing how many months in total I think six months ah in total, like it wasn't straight lah it wasn't consecutive six months but I think was split up into three so two months two months two months each something like that ya across uh different times my


in my earlier years lah ya then uh, it just throughout this whole six months it just didn't, there wasn't really anything that stood out for much for me especially after serving, don't know how many customers already ya


okay cause my job was being uh you know uh, front line sales associate lah so that's why we need, that was what I did and then there was this one time where it was a I think was a family, ya family of three so two kids with their mum and then


ya they just come in and you know see some things and then I just do uh I mean serve customers like the way I always do ah okay there's nothing special that I did, you know particularly but I just always try to give my, best lor in providing the, you know the optimal customer service so


ya then after everything you know usually when you go after everything's done okay they decide what to get already okay let's go and make payment or these then I don't know why she suddenly as I were as we were going to the counter then she, the the the parent ah the mum she was like she just started asking about my name and


uh she wanted to write like feedback form for me ah, so, ya to the to the to the company, to, uh commend me for my hard work lor so I think ya lor that was something like out of nowhere after that oh, like


!wow! okay somebody actually, I don't know see see sees more than, more than what everybody else sees I don't know, ya then, she just ya lor then I feel a sense of appreciation lah then afterwards sense of also that at least


for all these uh work that I have been doing, all along somebody actually saw something, and decided to commend me about it lah, and, and you know point it out to, the management so I think ya that was something that, that was a that was


then I felt appreciated you know, because especially and then it was the the only time, that I ever had that in my six months there, and is ya, ya lor so I think that was something special so I remember that, that person lor ya


then you eh


I think, no oh for, ya actually I wanted to ask you that also ya okay so uh


uh okay who okay I mean I already have in mind lah I okay this one simple question for me ah I got straight away I decide I can only I straight away will think of my my father ah okay somebody that I really look up to oh, like no doubt ah


I I don't think they'll be anybody else lah ya because okay this one okay a lot people say of course is your father one !aiya! then I mean I not really lah, like okay that that that's that's why and then probably because you you see the person every day but it's not only that because some things especially


uh at home, where you know that uh, you know uh that he does that that you know people will just be like okay usually usually okay i'm saying usually lah usually, the, uh your dad is the one


providing the, and but I mean maybe your maybe mums will provide also, ya but uh, but that is really my father has really given me, uh everything that I think you you really need ah


not want [lah] you really need already, so and it's not something that is easy to do, so that's why I feel ya and every, (mm), so [ah] ya that's what I feel [lor]


prompt one out of four, would you like you can start first rose when just now I start already


I , I have three savings account, , uh, I have my first, savings account when I started with my parents right they they decided to like okay I need a saving account then when I started working I didn't have debit card to start buying things online


and then after then when I went to australia I have one savings account that I never close it's still running because I always go there mah so I always go there so it's like, it's easier for me to have money there and I don't have to think of changing money


so


ya, ya


ya it it kind of makes sense ya and he had and he has been there because I went there to study and then that's why I have that account there and I do agree on you saying that, , you need to have two savings account cause there are this, one is for saving and then one is for like you can spend until you have no money and then you cannot touch one


the other one , , ya like this month I spent a bit too much this month so now I am poor for the next week before august comes , ya I eat too much


okay what what else let's see do you have a high yield bank account or fixed deposit, you can't I don't have,


no I don't think I have I don't think I have a fixed deposit I think I, have one but but that is not my account lah that's just my name in the account and my, my mother so so but no but it's it's mainly her money I can't touch her money mah so so so I think I think that's a fixed deposit or like some high yield bank uh that one I'm not too sure so


ya , okay I think this one we both don't have do you have credit card or debit card, do you have a credit card


oh oh oh you have, which, it's not for debit like if you have money then you will spend that kind of thing right ya


(hmm), emergencies ya,


ya that's true that's true then at least it will help then you don't have to like pay all of it I mean like you don't you you you pay all at one go I mean with the credit card with the at !wah! ya that's why ,


oh is it the OCBC is it the OCBC plus no ah ya


but how much do you how much was that groceries then, but how long how long did you get to get to forty plus like with the points, that's true that's true


ya that's true


!wah! that that's actually quite good eh that's, ya ya like my mother also my mother also has the same card


yes because you are auntie and my mother is an auntie so both of you are the same category, ya, I don't have a credit card, but I have a debit card so


I think because I use my mother's credit card if I need to , no but I'll pay my mother back you you get what I mean cause she she has the card already and I, personally cannot own a not personally cannot own a credit card I don't have the financial ability to own a credit card


, ya cause I do freelance work and then there is a lot of times where I don't have money and then I'd rather not have that credit card so at least if I use my mother's credit card so there's one credit card that , we all use so we have supplement cards from her


ya ya so it helps then like certain things like, if I buy air tickets and all that I can use that then she can earn her points and then I can , just pay her back slowly that kind of thing, so it's not too bad ya okay the next one


cashback points or miles, what type of credit cards do you think people should be using, ya


no but some points you can convert to miles so it really depends on what you are looking at like you said lah


, theirs, cause you auntie , no also cause you do a lot of you do groceries for the whole family so that that makes more sense cause there's a lot of credit cards that has


very good cashback value like you know at that time my cousin she just sign one credit card right I think it was citibank or something right then , for that three months when I went out with her right she just keep she said okay I pay I pay I pay !wah! you so nice ah you pay everything then do I have to give you back she's like like


ya you still have to pay me back cause I just want to earn my points cause I think citibank had this promo right last year where within three months if you spend a certain amount you get like a ten percent oh that's what she told me then I was like !wah! that's like ten percent cashback of whatever you spend so like if you spend like


I think thousand plus you get hundred dollars cashback within that three months, ya it's very good then I was like !wah!, but I think it is good when you you know that you are gonna spend a lot on in terms of like groceries and bills


ya that is true she is quite disciplined so uh I trust her on that, dines


dine out right yes, okay can I will take note of that if I ever want to , get a credit card okay, uh are we


what is your experience or purchasing insurance product products from bank and if you have such experience share the details names and features of the products, of the insurance product that you bought from your bank


ya ya, ya


oh like ya, ya that's true you don't know whether, ya,


, yup, ya that's right


yup but so that means you did


do you so what insurance were they trying to sell you, oh ya ya ya


ya ya


for the accident cover really, I though oh, I didn't know that I only know medical insurance you need to you can only have one medical insurance but ya medical insurance accident I'm not too sure but I need to I need to check with my friend also, ya


ya , I, I think the only insurance thing that I bought from a bank was travel insurance cause they are cause uh travel insurance you don't really need to,


face to face talk to somebody or get to know the product a bit more cause travel insurance is quite straightforward it's just to cover you when you are overseas so I think I bought it because they have, very good deal like DBS had a very good deal with MSIG insurance I think so it was like so much cheaper than the insurance I used to buy which was NTUC income then I just went to buy for that year


sorted for that year I think I travelled a lot that year


, oh ya


model, !wow!


ya, I think it depends on the person that you get


oh that is good, ya that's good that's good to know right ya how come we suddenly talk about insurance isn't this like finance , , is it I don't know


, she's like , okay what's the next investment products have you purchase any investment products from banks no I've never purchased don't have enough to buy


uh I can't remember


yup, yup, yup , okay so let's go getting a loan have you gotten a loan from a bank


no I neither, oh ya but then that one you have to pay back right ya that's the only loan right you have,


nope that's good that,


you take longer to pay off, oh, ah ah


oh that's not too bad ya, ya


ya that's true cause the hundred over dollars is quite a bit for a uni graduate, , okay do you think couples should combine their finances and open a joint account yes


, no I feel they just need a joint account to pay bills and buy groceries that's all but you have your own personal savings that's that's that's my that's my thinking


but you don't have to share how much you earn right you can just


yup ya, ya, ya


or like just put in like at least you know maybe each person put in like I don't know six eight hundred dollars every month I mean depending on how much you all spend , ya so so like maybe six eight hundred dollars each month and then you just spend until there is no more then you top it up again that's what I think that's what my parents and my brother and sister in law do


they just top it up to an equal amount (ppb) every time when they need to (ppb) for like groceries and bills


prompt three out of four, have you


I know pebbles just now you talk about it happiest and the saddest, oh


ya


ya oh god


, oh my god


no cannot hear already, uh, fate she had a fate ya, oh


ya ya ya


ya ya


it's not like it's just it's not it's not like it's not having a fate it it's having a fate but oh gosh, ya, oh gosh


oh


ya,


ya, oh dear, do you have tissue


ya, the loss that


how then how did you, ya , breathe, drink some water


then you wash your face


what, oh I wanted to ask you something ya uh so how did you dealt with the loss , this is uh I know is a very big I know I mean I know for sure because pebbles was your life and I was there so ya


ya [ho] ya


ya, , yup


, that's good that that is good that's uh , at least you manage to find comfort in all this


, I mean you don't know whether is it a coincidence or is it something else so in uh, I would like I would like to think of it ya I said I would like to think it happen for a purpose to bring you comfort and all that


oh, , we never really talk in depth about this before so that's why I was like very I was, yup, ya


ya cause I never see you cry before I think I have never see you cry before but like, ya ya


what are, what are the hurtful words , I don't have any particular hurtful words, that I think because I am the sort of person who if you say something hurtful to me I will be angry in that moment


and I'll be like F you in that moment and then after that I'll be like okay what's next what's next that kind of thing so to me is I will never forget like I don't I I easily forget, what I said like


what people say to me I'm, I'm like like do you have anybody who said hurtful words to you because for me is I , I tend to try not to to harp on it too much


like I try to forget about it as much as I can like I can remember experiences that made me upset made me feel , uh stressed and all that but whatever you say to me I won't I would never remember it ya do you have anybody who said hurtful words to you


oh I know where this story is going


ya, yes and


that's rude, ya exactly


, it,


ya, , ya ya


ya ya ya so, I think that was very


ya that was really ya I remember when you had your first child there were a lot of hurtful words that were said to you, and it was not nice at all


ya, ya


ya that's true that's true it's all about what you want and not, and after all it doesn't affect them right they're not going to they're not marrying him so


, that is good, let's see , what's, uh, describe maybe I can


I can describe a time when things are not meeting my expectations I think that was uh I think, I can combine it with uh not meeting expectations I'm feeling trapped and useless I think it was during two thousand eighteen


when I was simply overworked, to the point where, I think there was one time I was just sewing things and I just started tearing because I was so stressed, and it was just simple sowing like I just set there sew and sew and then my and I just like


waterworks in , in a corner in a room trying to like get my work done trying to finish I think that was the year where I felt like I I'd overworked myself so much to the point where


uh, where I felt helpless the reason why I overwork myself is because I keep, saying yes to things and like not saying no to things, so that became like you know work when it keeps piling up and then like you're not meeting expectations and all that it becomes like you feel like you're not good enough at all so that was


one of my toughest year that I had even though I showed like I never showed that I had that's my toughest year but it was one of my toughest year yet but , ya I never told anyone about this because it's it's very personal I feel like it's my own personal goal


that I want to strive to do my best and then like I didn't get it and , why why do I need to bother someone else with it that kind of thing, like why do I need to tell someone else, because it's my own fault for doing it, to myself like


no lah I mean I did tell I did talk to my other work friends about it because it it it's more relatable than because they know how demanding how demanding the industry is so that's why , it's easier to talk to them then talk to you about it because if I talk to you you'll be like like it's like if you tell me about your works I'll be like ya okay like what can what else


ya like like it it's harder like if I need help how can you help that kind of thing it was a bit hard to, express, I already have I have like three sewing machines already oh is it time yes


prompt two out of four, uh what is the first question


you what is the best birthday present and why ah why you cannot read properly , you are not far off from me okay uh what is your best birthday present and why oh my goodness


right you can start first I'm still thinking , oh ya I miss her


, ah


she probably chose you, oh


yes I remember oh my goodness and then some but but you were still holding pebbles right when you fainted yes I remember that


, yup , and then you faint


yup ya


no , did you drop I remember you said you dropped pebbles on the floor or something that's why her face is so flat , oh because I thought I thought you told me she dropped on the front you dropped her on the front end


if you make her face flatter ,


ya oh gosh I miss that dog, , ya


!aww! oh yup, yup


or maybe it's coming back with your daughter so maybe your daughter


characteristics must be like , describing children with animals ,


, , !aww!, that's that's I would say that is definitely your best birthday present cause she's so chill I love I love pebbles so much as well


ya oh gosh that good dog I hate that dog but I still love her hate her but I love her a lot of love ya uh


uh I I don't have any best birthday present I think cause , uh, ya I never received any best birthday presents, like, to me ah as long as my friends are there and my family are there and that, that's all that matters to me ya so


oh ya lor ya, what, oh we should do the third point before we running out time what is the comfort food that you can always rely on to cheer you up that is me #bak chor mee#


#bak chor mee# is the best food that you could ever eat because you can have different types of, you can have soup you can have dry you can have different noodles and then every day you can eat it differently


ya that's my comfort food like when I when I'm very like when I'm very stressed, or upset or like really angry or just sick right I will just eat it and I will feel better so that's that's my comfort food , ya


oh I never knew that oh


so you eat it when you're sad, so you are sad every day ,


ya, ya, that's nice I never knew you like #masala thosai# I don't know why I always think of you have something else like liking like I don't know, I don't I really don't like maybe chicken rice or something but not like #masala thosai#


ya , cannot afford #masala thosai# is it, ya that's true, rice ya we had, that is true


ya, no stress , and then that is another another story to tell


okay what what do you love most about yourself, how about you tell me what you love most about me and I tell you what I love most about you


an ass


(mmhmm), did I say that


, I always thought I'm nice I'm a nice person, what I love about myself I'm a nice person what I love about you or this is tough man and there's nothing I love


about you no just kidding I think the one I think, the thing is you are always there right I can count the fact that you are always there even if like we don't talk for like six months


and we can just pick up from where we left off so and I can count like if I have any problems or what I can always talk to you about it and you will also tell me I think you learn your crudeness from me so you, you will also tell me ya like like you also tell me off so but the


the fact that you're always there even if, we are not in constant communication is a nice feeling to know like you know that somebody is there for you all the time, ya like like, you are always there for all your friends that one I know like


and uh, I am glad to be part of that friends , I don't want , I don't want anymore I want to end this friendship


okay uh I want, what is, the happiest moment of your in your life, when you were pregnant


ya, ya, I think so


ya


!aww!, I think , I think face


no I think I just had extra cash and I was like why not surprise rosemary at the same time , it's like no I think that was that that year that year was the year that I I got a scholarship right and then I will have extra money I was like okay why don't I just fly back and then surprise you


you almost fell in the drain I will never forget that I was trying to hold back my laughter


ya , , ya


it was so


before that ya, ya ya then third third happiest, is there any third no don't have, third babies third baby comes out


uh no I'm not really , the happiest moment in my life, , I think the happiest moment


was when I managed to get, into, uh, get into australia and study there for three years the first when I got the results that I could go in that was the happiest moment of my life because I always wanted to


experience like an overseas experience, apart from being in singapore that's, that was one of my happiest moment that I actually !wow! I could actually study something that I like and


and and not pay for it cause I got a scholarship so that's a great thing , so that is the one of the happiest and proudest moment of my life so that is ya, no actually there's another there's another one when my nephew was born when lochlan was born ya when he was born that was


ya before ariel ariel was the lochlan then ariel, ya that was the, happiest moment cause we were waiting this baby was , very hard to come by so they I know they were trying for like a good I don't know a long time before he was born before he I mean before everything she was pregnant and all that ya so


he was a really he was a big joy to all of us in the family so that was one of my happiest moment like I remember I couldn't see him for four months because he had some uh, uh, ya he was in a he was in a hospital for like four months and then he couldn't come back then when I managed to see him I was like !wah! so happy lah I never seen him maybe before I mean I've seen a lot of babies but this baby I've never


I was like !wow! you actually bring so much joy and annoyance to my life now , ya that was my happiest moment , (hmm), when I became an auntie


ya , okay you can choose another question I choose all the questions already so you can choose another question, you better read faster your eyes you need to change you need to wear glasses already


oh no wonder , you choose a question


no eh, I love to sleep when I hold the kid and I love to sleep now too


to sleep, ya I know look at your eyebags


oh


ya, ya


, ya


that's true cause you have kids lah so it's a bit harder


, do you know what do you know what we need a three day weekend that's what we need, no I don't want I'm dealing with kids every day now I'm like nope I'm done


I'm working in the preschool now so ya, it brings me joy to a certain extent they are and annoying


ya that's true, , one time or others


no eh everyone keep saying oh uh, I've never gotten a oddest or unique compliment I think they always, say oh you have very nice hair cause I used to have very colourful hair and then the rainbow hair and then they will be like


uh, no I've never received any odd they always say nice hair that's it done, is time


prompt one out of four


so melissa , do you have a savings account, yes I do have a savings account melissa, why do you have three


okay


so it's still running, okay I only have two savings account okay one is the one that I use for every other things the other one is just purely to save money for the girls


for your for your girls as ya so it is really I think it's very good to have two different savings account, one is because uh one you know that this money is free for you to use you can go and splurge on this money but the other account is very important to know that this money is saved


for uh like for a very important reasons and you cannot touch these money you've to be very disciplined with not touching this money , ya so I'm quite surprised that you have three but now that you have explained that you have an australia I'm surprised that okay ya since you go to australia quite often yes it's good to have another ya


ya then you have to be poor for the rest of like maybe the one more week right , ya, self indulgence is it uh yup


so next uh what, we are very poor, does that does that count ya fixed deposit no I don't have a fixed deposit do you


oh so your mum did for you lah


okay , , okay ya yes


uh my debit card has changed into a credit card because uh, this bank that I'm with they have uh I think they have stopped following mastercard or something like that so they have all changed our mastercards into visa cards


ya so that is my debit card ya that's my debit card so like ya I still use it as a debit and a credit not really credit lah it's more of a debit card lah , ya so, yes yes and I do have a credit card that is really for a very important like just in case I need to buy something and to also get uh emergencies ya just in case because you will never know with children


in the event of emergencies you just need like additional money that you don't want to touch the savings so you just use this credit card, ya , ya correct


ya you but you don't have to pay everything up front ya correct ya but it, also also this credit card is good because uh I have, it is under uh NTUC, so I get to collect points yes OCBC ya so uh it's good because I quite auntie lah ha I always go NTUC marketing so I also collect points


ya so good in a way there was once I didn't know how much points I had so one day I just ask the auntie auntie how much points do I have, and auntie said uh enough to clear your these marketing things so, I had free marketing that day


uh it was about forty forty plus ya forty dollar plus, , uh honestly I cannot remember I think it was about a year, a year because there's a an expiry date for the points which I am not uh I I don't really know how long is the expiry so usually the auntie will ask lah if it's going to expire auntie say girl you want to clear your points or not so I


then there was once I ask auntie !huh! like, usually I will say no don't want don't want clear so one day I was curious because my marketing was over forty dollars already so I ask aunty aunty how actually how many points do I have left say can click can your this marketing can be free lor


uh so ya so I was so happy and it's like cheap thrills for for an auntie like me lah really cheap thrills ya, did you just compare me with ,


did you just compare with your mum , thank you ah


is there a reason why you uh is it a personal choice that you don't want, ya ya


oh ya because you are doing freelancing as well, , you


oh ya okay okay if, uh, okay all right, sounds good let's move


I think it depends on, the person because if you are going to collect miles if you are a traveller yes you should get a miles like uh to collect miles but


uh, cashback and points points also depends because, so so in a way points maybe points if points can go in if it has a flexibility of going into cashback or miles


maybe that's the best , ya, but personally I prefer cashback , ya because I auntie I very practical one I don't really travel much so I will use cashback, ya ya


(mmhmm), oh , (mmhmm), that's not bad


ya and it's good ya but it's also good that you are disciplined enough to use a credit card, ya or if you want to get a credit card I think the best credit card for you is a diners card


ya diners I think they have a lot of uh cashback when you dine, ya ya when you dine out so that's the best for you, okay, ya


what is your ya let's go to point five what is the what what is your experience sorry old lah my eyes, oh


you know I okay I have this phone calls that has been happening for quite some time uh okay am I allowed to name banks, okay uh because my my savings account is with OCBC okay I I am like


pro OCBC so my girls both their, uh, uh accounts are also in OCBC, so what happen is I keep getting phone calls okay it has been four months and every, uh over these four no this year how many months are we at right now seven months so over this year I have already received two phone calls from OCBC


asking me to purchase an insurance uh through OCBC and it was it uh what I did not like is this person , whoever who calls me their intention is not to find out more about the customer it's just to hard sell their insurance which and then I keep telling them oh uh I'm not very comfortable buying insurance through phone call


so they say oh but why and then they were like try to they are very persistent which pisses me off ya it's like, uh, I already told you that I'm not comfortable buying insurance through phone call if you want to sell me an insurance meet me face to face tell me exactly what is happened and I don't know if like you wouldn't know whether this person is a scam as well because there is so many scams happening right now right


I was like okay so you're asking me first you okay you know my name okay but you can get my name off like I don't know maybe black market has already sold my name and my contact number to uh to everybody I wouldn't know so of course you will know my name


and then you will know my contact number and then you ask me to buy something online, and, and you'll be asking me personal information so why should I give it to you, right so it's like why that's the thing that makes me very uncomfortable lah just buying insurance online all my insurance are bought


through an agent which is the best ya, uh, yourself ya go, uh it's a accident plans I told them I will I'm ya


I don't I'm very well covered already they say oh it's okay I I can even repeat what they say eh it's okay you can still claim from us then I was, are you trying to ask me do have an accident or what because I am already well covered my girls are covered with accident plans so it's like why are you trying to sell me accident plan and why uh it's like okay uh


uh but, I'm not sure whether uh if an accident, happens and you want to claim you can only claim from one, insurance, I think I think that was what my insurance agent to me the last time, , uh accident coverage ya


oh is it medical okay, uh !aiya! I need to check ya ya because that uh that was what he was trying to sell me lah


ya , uh ya


is quite ya straightforward,


okay I can share uh I cannot remember the insurance the travel insurance that I bought once but I have to check back if I ever travel again I will buy from them because uh I travelled to malaysia the last time and my luggage got uh destroyed


only to malaysia ya ya so I managed to, uh they asked me they told me that my luggage they ask me for every model of the the model every detail of the luggage and they said uh I'm so sorry your luggage is not in production anymore so can we give you cash


to cover for your luggage cost or would you still want a luggage, so I told them I don't want cash I want a I want a luggage because at that point of time a luggage was very important to me, so what they did was they found the exact size luggage exact exact colour not model exact color and uh size of the luggage and it looks almost similar to the one that got destroyed


ya so I thought it was very good and the way they went through like extra steps just to get the luggage to me and then one of my colleague she bought also an insurance a travel insurance because she travelled uh uh two weeks after me so same thing happen to her her luggage got destroyed


but, she was not able to make the claims because they try to make things very difficult for her they give her a lot of steps so the claim process was so difficult that to the point where she said it's okay I'm just going to forfeit the luggage like that so I think


it it could be but I think the one that I had the, claim process was very straightforward very simple they just ask okay take a picture take your flight number uh your flight details and uh tell us what happened


ya so I thought uh that that was all I needed to do and I immediately almost immediately somebody got back to me , ya so uh let me find that insurance that travel insurance I will introduce it to you as well, ya


oh it's also part of insurance mah right sarah , okay what's next


not banks, but uh okay I I have a I bought investment plan through insurance, ya so my my my investment plan is tagged to


my life plan as well, ya but recently uh I met another nice insurance agent uh he's not exactly insurance agent uh your friend what's his name , okay so anyway he was sharing like for him if if he was given a chance he wouldn't tag


uh life insurance with investment, ya so, for me because I have had this uh investment and life insurance for the longest time so I decided that it's not worth it to just cancel it so I just continue with it lah ya


no, I got a student uh not exactly a loan I got a loan CPF loan from my parents to pay off my my theatre school fees lah ya that's the only ya but the good thing is like you have to pay back only after a year of graduating so in a way that it gives you that one year period to work


and to earn and then every month you have to pay back uh an amount that is comfortable so they depending on how much is your, uh your total fee then they will like give you a certain percentage to pay off every month so if you're not if you're still not comfortable with that amount you can actually reduce the amount but reducing the amount means that you have to pay longer and more you are paying more interest


ya because the interest is based on how much you owe, so if you take longer right that interest is actually higher so it's good to like just follow their recommended ah, uh, I still remember it was hundred and forty seven which was pretty affordable per month as a new graduate ya so it's not so bad uh so it was good lah so it took me like


, I think almost three years to pay back and then my father just step in say never mind let me clear off the entire thing for you I was like (oo) okay, that was like the that was the best the best thing so it actually takes of the student loan thing off your hands then you can okay now I can really concentrate on what I really want to pay off like I can push this budget to somewhere else


ya for a new graduate correct, okay they need a joint account yes he


yes , correct , I think also uh having a joint account is very good, but uh I don't for me I feel that many couples including myself we are not comfortable with sharing how much we are earning with each other


uh ya because if you have ya if you have an a combined like uh okay okay I read the question wrongly okay ya joint account is, very good because it helps you to also


ya it helps you it helps you to know that okay this one is really either our savings account together or this one we can spend anything on the household , you can give like a percentage of uh like for example like how much you earn a percentage of what you earn in there but you don't have to give equal amount just a percentage of how much you're earning in there I think it's a very good practice I need to


depending on how much they earn ya


prompt three out of four, okay have you gone through any loss in your life


ya pebbles is the a, ya uh okay when I lost pebbles I did not expect to lose her so soon, because she the day before she passed away she was uh she was still the jumpy hyper uh hyper little pebbles that I know


so I know age was catching on she was already eleven and a half years old at that point of time so she was still very happy go lucky so I remember the next day uh I went, I went out to to babysit somebody else's dog


and when I my mum called me, and she said, uh I think you better rush home, then I ask her what happened and she said pebbles is not eating and pebbles food is life


she she did not, eat at all so when I came home I was wondering eh why why isn't she eating so when I hand fed her and this was uh the day before she also didn't eat I thought she was just like maybe full from the previous day so I I hand fed her and she refused she was waiting at the door for me to come home


she refused to uh, eat from anyone else but when I hand fed her that was the only time she ate and she only ate one piece of the wet food that I bought her, and water she refused to drink and at that point of time I could see that her tongue was already pale and uh at that time when I reach home there was no no like


uh veterinary clinic that was open so I thought maybe it's not that serious maybe she's not feeling comfortable let me wait till tomorrow morning then I'll bring her so tomorrow morning came, usually she can jump off she sleeps on my bed so usually she can jump off the bed on her own but that morning she could not jump off the bed so I was thinking okay this is bad so I carried her down


and she just lay flat on the floor she refused to walk so at the point of time I called june june my other friend and uh she said okay let her get ready and she'll drive over to bring us to the the veterinarian near #jalan kayu# so


okay uh but while I was waiting for june to get ready pebbles suddenly had a fits fit at that, so she was shaking and she because she did not sorry there's can you hear background noise


ya ya, okay can you still hear the noise no right okay where was I okay , so she had a she had this fit attack okay then because she did not pee the entire day previously everything just came out


uh faeces and pee everything just came out together and that was when I panic and there was a first time I screamed for my mum I actually screamed I'm quite chill and I don't scream even if I'm scared but that was the first time I actually screamed


for my mum to come and help and my mum screamed as well when she saw pebbles because she was just shaking, and I I I didn't know why because I scared she might bite her tongue so I put my fingers in her mouth so that she can like bite my hand and my because my hands were full


my mum called june and june she was about to shower she stopped she stopped everything and she drove by and although I had pee and faeces on my my clothes we just went I I'm quite I'm I'm glad that june did not mind we just went in her car and we went to the veterinarian


so the clinic what I I felt this okay it was very sad that uh the vet, although seeing the state that pebbles was in she refused to see us until the clinic was opened and it was just two minutes before the clinic opened she just say uh the clinic is not open yet you wait there


but the nurse she was like uh but doctor the the dog is having fits right now, say ya ask them to wait it's fine, ya that was the thing that made me are you serious this dog is not just it is not a furniture it's a living thing you know


ya she was having fits and then uh okay then she stopped for a while then she did a very deep breath, and then she shaked again and this time pee came out again


and that was when the vet was she was more okay she wasn't panicky but she was more annoyed that there was pee on the floor, which pissed me off so much okay then okay we went uh the nurse quickly the nurse in fact the nurse was very nice and the nurse like usher me quickly into the room and she even offered to carry pebbles but I said no I will carry her and uh I put her on the table


and uh the they started shaving her fur off to put the drips on so while the while the nurse was doing that the doctor with her very uh , uh resting bitch face she said I'm so sorry to say that but uh that is the only way to describe her face okay she


she said oh okay so we're now we're going to put her on drips because she's having a very high fever and the drip itself it would cost fifty dollars are you okay with that I say just do it just do it, and then and then they put a monitor on her chest


and they realised that her heartbeat was dropping, so , uh !wah!, that was no it's fine , that was , that was when uh the doctor said okay


we are going to bring her into the other room to do an X ray, and the nurses was like she didn't okay the this was the part where the nurse just pushed the the doctor aside and she just went into the other room then when they put her on


uh they put they wired her up and everything and the doctor just said to me okay and the doctor just said it this way she was so heartless when she said that she said okay so her heart stopped, what would you do when you the doctor tell you that your loved one your heart just stopped you'll feel very pissed off right and then she say we are going to bring her back we're going to start her heart again


I was like oh my god where did you get your doctorate from I was like oh what are you trying to tell me, and then I I just left and told june I I cannot I cannot stand here can you please tell me the updates I'm just going outside to get a breather so I went outside the the door the clinic room and the door it was just like about fifteen steps away so I just stepped out


and I was like oh my gosh if I don't beat up the doctor today I'll be in trouble I just had that mentality and then june just came out she's like rose, pebbles left, and that was when I just like the anger turned into sadness and ya


so I went into the room , and the nurse the nurse was nice enough I think the nurse uh the doctor wasn't there so the doctor told june and the nurse she told me okay I I know you need some time alone let I will close this room for you and that was the only X ray room in the entire


veterinary because there was only two room one was the observation room and the other was the X ray where they do the emergencies where they just check whether the dog is okay so she left me in that room I, I, I think I did a very bad thing I just locked the door I was just inside and I saw everything like the I could see the the chaos that was in the room I just hugged I just hugged on to pebbles although there were needles sticking out of her she looks so different because she her tongue was out


her eyes were open they did not even close her eyes for me so I had to close her eyes I hugged her and she was still very warm at that point of time, and uh I think june called my parents and uh, my parents came down and I don't I don't know how long I was in the room but it wasn't could one hour I have a feeling was at least an hour because her body turned cold I hugged her till her body turned cold so


ya that was the that's the, the loss of a ya is the saddest moment ya, ya sorry I'm breaking up sorry okay ya okay okay yes I'm okay okay I'm good no I'm good I'm good I'm good ya no need no need


okay , okay I'm okay, yes your question , you you wanted ask me something ya


uh, okay how I dealt with it I mean uh I was so upset that I couldn't go to work for


uh I took I took leave from work urgently leave from work , because that was a sunday and uh next day was monday so I just told my uh my manager that I'm sorry I don't think I can come in for the next two days can you please just let grant me this uh leave


and he was nice enough to ask what happened so I told him like my dog died I mean it is as good as telling people I felt that I was telling people eh my dog ate my homework but, it was I think I really needed that rest so I how I cope with it was just to cry you know just lie down cry I was pretty depressed at the moment I couldn't eat


ya but uh after a while that day after she passed on uh I had a few uh experiences where I saw a butterfly , coming uh it's very weird for butterfly to come and touch your nose and then just go off it's just like how pebbles like she would come and smell my nose and go off


so it gave it brought me some comfort and uh I I'm not sure whether it was my it was me being emotional but I actually saw like like in the middle of the night when I need to go to the toilet after she passed on that day


I actually saw a white like a like a white furry like not furry like a white, thing , lying down on the sofa that was like pebbles favourite spot and uh it jumped off it not jumped off it kind of floated off and go to the floor and then went to the kitchen which is exactly what pebble does pebbles she does that all the time she always runs to the kitchen to look for food


so uh I feel that uh I I don't know that really brought me comfort like it it kinds of okay at least I know she's okay because when I brought her in she was in pain, so I didn't know whether she was still feeling pain but when I when the butterfly happened and when I saw the the the figure it brought me comfort to know that okay at least I see that she is doing well


ya, yup , ya


ya but I would like to think of it as it happened ya, correct, ya , okay next (uh huh) ya


because I think I was not prepared to share like a lot of things because it's just very is a very emotional you see I don't like to show people that I will cry as well I think it's so embarrassing but , ya I mean I try to be as tough as I can but you know certain things


I I just break I'll I'll just break ya, okay what are some of the hurtful words someone said to you that you wish you'd forget ah I think that is an interesting thing okay you want to share yours


whatever, , okay


, , uh to me I think yes uh the last time when I was pregnant with ariel my firstborn


ya right ya so uh there is a relative that said, you should abort her, you should abort your baby, but uh did not say directly to me in fact told told my parents that I should be that I should just uh forego this pregnancy and his reason


was because uh your husband is black, ya and he was afraid okay he was afraid that the baby will come out, black as well then in my mind I'm thinking if


this was an issue why would I be with my husband then, and what hurt me the most was he was a favourite relative of mine and for him to said something like that to my parents and I was happy in a way I was sad yet I was happy that my what my parents did next was


something that maybe very proud of what they did they actually chased him out of the house and said this is our daughter, this is our grandchild if you are not gonna respect them you don't come into this house you don't step into this house which is something that I feel very glad that they said but also very sad so


uh in fact because of ariel uh because I was pregnant with ariel there are a lot of relatives that we lost contact with because they were just not approving of our union like my husband and I they're just not happy with us getting married or they're not even happy with us having


like, any offsprings and it's like why why do why does this, matter is like it's going to be my life why why does what does it concern you that I'm going to be with this person and I'm going to have these children or this child what does it concern you with


so I felt that it's very upsetting but right now the relative who has asked uh asked me to abort ariel, is in fact, the person who adores ariel the most, but there is still sadly there is still one relative who refuses to acknowledge the marriage and also the ariel and iris he just refuses to acknowledge that


I'm I exist and he's also a very close relative of mine so he refuses to acknowledge that I am married to uh, a a black man and also I have offsprings with him so I feel that it's very sad but I have gone past to


like whatever you want to think go ahead and think this is going to be my life I am happy with my life so whatever you're going to do is like you can continue being the angry person that you are it doesn't affect me anymore, ya so yes


ya


ya but I'm glad I'm glad that I have gone past that and I have people around me that are very supportive , I think having the love and support at that point of time was very important because I did go through depression at that point of time to know that why why all these relatives that are so close to me are are like turning their backs on me right now


just because of just because I want my own happiness and then they're turning their backs on me so it's like, it made me very upset that is this the kind of , uh people that I that that I've grown up with, like why are they doing this to me and to this point I do not know what was in their minds when they made that comment but I am glad that there are other relatives as well even their own children were the ones who told them that to get them get them back into reality as it looked


it is not about what you want it is about what she wants, ya, ya, ya it is like I'm not going to be living with you for the rest of my life I'm going to live with my husband and my children for the rest of my life so whatever you you said it it is okay I've I have come to the point where


right now I have let go of this anger if you want to be angry it is your own anger that you uh that you have brought upon yourself so let you let you be angry and let me be happy so that is my mantra right now ya , (mmhmm)


uh, maybe you pick something ya you pick something


you did not tell me about this, , (mmhmm)


, talk to me next time just talk to me please


they know what you are going through


it's something that's not relatable lah, I will pass you my sewing machine yes


prompt two out of four


what was your biggest birthday present and why oh sorry my eyes is like you know I'm getting old


you want to start, okay the best birthday present I got was uh my dog ha her name is pebbles so ya I got her ya I got her on a christmas day ah


uh when I was I cannot remember how old I was but I still I remember we got her on christmas so we went to farm mart and I were I had the intention of getting a cocker spaniel but when I reach when I arrived the area I saw pebbles she's a #shih tzu#


so when I saw her I drop the thought of having a cocker spaniel and I took I took pebbles instead why why I picked her was because out of the whole uh out of all her siblings she was the only one jumping at me when she saw me


so I don't know whether I chose her or she chose me so , ya ya so when I uh ya quite true ah so when I actually chose her, it was a good thing that I I did not go in ten seconds later because somebody else wanted to buy her after I chose her


so uh in a way it's also very memorable because that was the day I fainted as well, because ya ya, yes I was holding pebbles because I had uh I have low blood pressure so when it I already felt like I was going to faint because I couldn't breathe properly so I saw black rain and


rebecca my older sister rebecca she was standing beside me I wanted to pass pebbles to her, but before I could do it I just said the one word Jie, and then I just the next thing I knew it my nose was burning and people was rubbing me


and like uh uh this auntie was like so it's okay it's okay she's waking up she's waking up already so, what happened was I fainted because my blood pressure just dropped and my oxygen level wasn't high enough so the uncle I still remember seeing I was thinking of pebbles because the last thing I knew was I was trying to pass her to my sister


then the uncle say it's okay the dog is okay but every hit but his wife was like why you want to see the dog when this girl just fainted, so in a way uh the uncle was worried that he couldn't sell the dog so my dad had to say don't worry we want this dog already this dog already we we are taking this dog don't worry because you know if you damaged a product you need to buy it right


so uh, ya , no uh it's just the way #shih tzus# are their face are just naturally flat ya because I ya because uh what I remembered was uh my hand just went limp and she went she fell face first


so ya I felt very guilty that is it because of me that her face is so flat and then I realised okay actually #shih tzus'# face are just naturally flat, and they always have this breathing problem that is natural, ya so she ya she has been the she is the best birthday present I've ever had and it she passed away back in twenty fifteen


and I still miss her and just the other day last year before I had my youngest daughter iris I dreamt of her, but it's very it was a very upsetting dream because I recognised her and I called out to her


but she just looked at me and she jumped off and went off, so I don't know whether this is for me to to let go of my past or is it to show me eh this dog has already moved on lah you also should just move on okay so ya


did you just , you have this habit of just like you ya but I I don't, no because it's it was very sad uh yet it was also very heartwarming to know that okay maybe she has already moved on


she's enjoying herself on rainbow bridge and all ya, ya,


ya she farts in your face too, you hate her yet you love her ya eh !wah! that tooks five minutes okay next


, oh , yes tell me


(mmhmm)


that is your comfort food ya is that all ,


my comfort food is #masala thosai#, , I tell you #masala thosai#, it just eh ya I just love #masala thosai# so whenever I eat #masala thosai# I don't know whether it brings me back to my roots but you when you eat it with your hand ah is like additional flavour to it you know


you just have uh actually most of the time, ya, uh you know most of the time when I'm when I'm upset I just I would just have this I just have to order #thosai masala thosai#


even my husband knows that so the last time when uh I was feeling quite down, he asked do you want #masala thosai# I was like yes so he just came back with a hot just a hot piece of #masala thosai# for me and then you pour you just pour the gravy the curry the chutney and then you just rip it out and eat it's just like a full meal on its own


it just uh uh it just brings makes me very happy, to have that swimming in my tummy ya


chicken rice , !aiya! you know last time when we were like students we uh cannot afford uh #masala thosai# can but you need to be full right so you have to eat rice so we always had like chicken rice or like uh mixed mixed rice


so whatever just to fill your tummy is fine but yes my comfort food maybe those days in theatre school maybe I was happier then, so I didn't need much ya the only stress came from the drama in class lah but , ya correct


!wah! that's a difficult question, I love that you are very straightforward and you are not afraid to tell me when I am like going off course ya when I'm in an okay I I don't know whether we are allowed to said eh no vulgarities


ya so I like it that you are very straightforward and you there was one point of time I always remember there was one point of time that I was going off course in life, and you actually like, you told me quite rudely actually it's like eh I I wouldn't get into details because I cannot remember exactly what you said but you were like snap out of it


and get it get back into reality, that was you didn't say that I'm just summarising okay ya but it took me I was actually quite angry that you said that but it got me thinking actually it really worked it got me thinking and I don't know how how it happened but within a week


I was like three hundred and sixty degree turn and I got back you know onto track onto what I actually wanted to do, ya so that is what I like about you you are very straightforward and you are very crude, ya


oh please , ya I know


ya eh snap out of it ah ,


but you always hold you always hold a very special place in my heart okay four there's only four of you who hold a very special place in my heart, too late too late you are now the godparents of the two girls so it it's too late to to turn back you cannot cannot retract your contract


, , oh I can tell you this, uh that was one that was one uh okay there are a few things that uh is like the top


uh happiest things of my life is the day where uh the day I got married, uh I was hoping to have all my close friends with me I think melissa you know where I'm coming, where I'm going into so uh uh the thing that made me the happiest was when you you went to make all the arrangement with my other friends to actually surprise me on the wedding day you actually flew back just to be with me on my wedding day


and you made me run in that dress just to hug you and and nothing else in the world mattered at that point of time is the time when you came back , oh you make me want to cry now ya, so that was one hit ya I don't know why you did it but I thought it was a very important thing that actually carved a very deep impression in my life as well ya


can you just take credit and shut up ya , (mmhmm)


ya but I thought it was a very nice gesture lah ya I felt !wah! that night I could sleep very well because of you ya


ya you were annoying ya the other thing that uh was happiest because okay I tried very hard for baby number two, in fact I had two miscarriages before I had baby number two and the moment where I found out that


iris my baby number two was there on the sonographer's screen , although the sonographer was very monotonous like she was like uh you can you see the flickering thing in the screen I said yes that is your baby's heartbeat


although she was very monotonous I was like oh my gosh I was so emotional and eccentric she must be wondering why is this woman so emotional but she did not know what I went through to actually have, to actually have iris so that was the second happiest moment of my life I mean according to life stage life stages ya


, third happiest ah I will let you know when it happens lah uh if you are willing to support yes okay can , okay what about you


(mmhmm)


I'm very proud of you too at that moment , lochlan before ariel, ya


I still remember he was in a hospital with the


uh okay


ya I left my glasses in the office lah, uh travel experience what's the oddest, what are you doing, ah what did you used to hate as a kid but now love as an adult very simple sleep


what, serious I hated sleeping it's like okay even now I see it in a ariel ah she doesn't like to sleep and then I will I'll keep telling her wait until you go into adulthood then you will appreciate what sleep is now I tell you if I could give anything in the world


just just take the kids and let me sleep for half a day I'll be the happiest person on earth just take them for half a day just give me half a day to just let me sleep because I think I'm very very deprived of sleep, ya ya so it is it is very ya is very bad I think also because it it's not just motherhood that has deprived me of sleep I think is also


uh work, like you will keep thinking okay about work what is going to happen tomorrow is that thing can I complete my work tomorrow so if instead of me getting a good night's sleep I am constantly disturbed throughout the night


and then in turn I wake up, because right now we work from home, so I wake up instead of me waking up earlier so that I can like okay let me get to the task earlier I, in I


wake up later so I take more time to sleep I get the girls ready I send ariel off to school and then i I start my laptop, on time so that I don't have it then in a way it's a good thing to start your work on time and end on time but because I I have so much work to do and there's so much distraction working from home


ya so it's it's more difficult for me to finish on time and just like get straight to the point and get it done early so I sometimes wish that I had I I just like just let go of all this worry have a good night's, sleep wake up a bit earlier then start off the day earlier you know so I have feel that time is not enough twenty four hours a day is not enough they should just have uh twenty four hours plus eight hours of sleep already to call it one day


will you want to take the girls for three three days , ya


and what are you doing with clara, does it make you happy to see kids every day running around it brings you joy right you have to agree it brings you joy, and then you get annoyed it happens with kids but then you just love them they are annoying yet lovable


eh, what is the oddest and most unique compliment you have ever received I would like to hear that from you, like have you ever had a a very odd yet unique compliment


the rainbow hair, ya you are always known for your hair so my husband calls you the rainbow hair girl, okay yes that took twenty minutes


okay aloysius how do you spend your money and which expenditure is justified and what have you been spending too much on


, okay lah but I think your expenditure is justified right, uh so do you feel that you have been spending too much


like on on, uh things like food all these, okay can


okay uh I think I spend too much money uh similar to yours on food on public transport as well but I don't usually grab also, like, for me actually public transport is still quite affordable because I'm not in the army yet so uh one trip cost about sixty cents as for food uh it really depends on whether I'm eating alone or whether I'm eating with friends so if I'm eating alone usually I will budget around uh three fifty but when I'm going out with friends


usually it's about forty dollars ya and uh I think that, uh it's justified because , uh, uh actually is actually helping in the economy now lah because of COVID situation and also like help like businesses also ya


and ya that's what I think lor , okay so moving on to question two aloysius so what strategies would you recommend to someone planning for their uh big ticket expenditure for example like starting a family buying a car or maybe even buying a house


okay actually I agree to a certain extent lah like like maybe if you are working and then if you are saving you are able to save ten K up to now but, I don't think like most singaporean actually uh have the habit of saving I don't think most singaporean actually work part time so I think that


uh by twenty a few thousand should be sufficient and, uh I think uh like what you say lor is like actually uh starting from young because uh if you think about it when you are going to university actually you will be, uh in quite a huge amount of debt because university fees are actually not very cheap so what I would suggest is actually a similar to yours is actually saving


and, uh and actually if you have the money you have around ten thousand uh putting into uh a fixed deposit is actually quite a good idea because the interest rate is about uh one percent for high savings account,


ya correct so uh so I think if uh let's say uh you start saving at twenty one I think is uh easy easily uh able, to save uh more than uh ten thousand by the age you are thirty which is, sufficient for uh


uh which is sufficient lah so , what I would suggest is if you are working right actually save fifty percent of your income and the rest uh is uh allow you for you to spend on necessity so that uh actually you have more than sufficient to start uh a family uh buying a car and buying a house


because actually uh the standard of living in singapore is not very cheap in the and actually, sorry,


ya agree ya, ya actually I agree with you lah and actually another uh strategy is investing but actually investing uh have risk also uh


ya, so it depends on which company you are investing something like uh tesla which fluctuate a lot have high volatility usually I don't think it's a good idea uh for people to invest in but rather invest in stable companies that will be one of the suggestion for somebody planning lor


okay so moving on to question three how do you manage your financial commitment before and after marriage


, okay


ya okay so I think for me I think uh before marriage try to spend less lor like try to have a joint account to like save money to actually BTO to actually buy a house, ya and actually uh after marriage I think uh it needs to be a joint effort to like save money to buy uh necessities


ya that's what I think lor to buy necessities such as baby powder and actually your utilities bill, which amounts to about one hundred per month so uh actually I think that planning is very important lah


ya so actually now now we are in the post-COVID world so actually what changes are you making in terms of your spending and saving habits


actually uh, I think now uh in the post-COVID world then I agree with you with most of the point lor like actually to save more to really upgrade yourself to have uh to make use of the government's plan in in training uh et cetera all these I think it's a good that


that we actually uh save up I think that is also important for us to spend to actually build the economy also because like many businesses are now are actually getting out of business and uh if you don't spend then who will actually support these businesses


like those hawker centre all these so I think, you can spend but spend on things that are necessary for example uh products that you actually need food food public transport uh all these that, are are necessary for your everyday living I think these are spendings that can be uh actually being uh justified


ya that's what I think lor actually, , ya I think so too, then, !wah! question five what do you think of


uh FIRE financial independence and retire early and how can one achieve financial independence


okay so uh, okay, you got any things to add on


okay actually uh I I think that saving uh wouldn't actually, uh help you in financial independence actually the best way is to have multiple streams of income uh there's something called active income which is something that you are actually working and then there's something called passive income income that you are not doing anything but then you still get income


so uh one uh other way is investing , such as dividend income where you actually get dividends uh from company every ya actually singapore most of the stocks actually have dividend income lah and , uh interest income income where you put inside your bank so actually having multiple income will actually help you in in saving uh money and


uh help you in terms of your financial independence so actually what I'll do is every month I'll set aside about, that is in the future when I'm working I'll set aside about fifty percent of my income and the remaining fifty percent about twenty five percent would goes into stocks


uh ya and the remaining twenty five percent for me to save so actually , what this does is actually uh building multiple streams of income to get money from different ways and I'm sure that uh through this you'll be able to achieve financial independence


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


so actually do you like invest your money like I don't know buy stocks or buy bonds, ah


ya I agree that it's risky lah but uh high risk high return mah no meh


okay can actually uh similar to you ah actually uh right now I'm actually trying to invest uh into companies that I believe in right now and actually uh trying to uh start with the passive income rolling with uh dividends ya


so uh sort of planning for retirement really haven't think that far because I'm only like twenty this year uh retirement usually is sixty five years old ya so as of now never really think that much about retirement


ya, okay so for question seven what advice would you give to someone to get him or her out of debt


ya that means the person is already in debt


, okay so for me I think that uh if, the person is in debt already what I'll try to do is actually find out how he's spending his money right what is is he spending on which led him to being in debt


ya so uh maybe he's spending too much on materialistic items such as clothes maybe try to cut down on spending it and actually uh try to uh see what what type of debt he is actually in whether is it like uh I don't know loan shark or bank loans and what is the interest rate actually help him


to plan out in repaying the debt that is what, I will try to do ya and, whether uh I have the ability and trust in him in returning the money because if I don't really trust him that he have the ability to pay back uh my money I actually won't like lend lend him money to actually help him get


came out of that lah ya, and I think, uh it's a bit stupid for people to like lend money from another bank just to pay back from another bank because I actually read news that like people actually borrow from other other people just to pay off their current debt which is something that is not very wise lor


okay so question eight do you think one should have should own a credit card


actually I don't agree with you eh actually I think that one should own a credit card to like build up his credits for actually credit card have its benefits uh , because you are you are spending future money so if you have the ability to pay back the money is actually good because credit card have like like features such as cashback so maybe you spend ten dollar actually you are saving one dollar


ya so actually owning a credit card is not uh it's actually quite a good thing as long as you can , can be financially uh, independent in ensuring that you are able to pay back the debts on time ya so if actually actually if you have the ability I'll actually will suggest people in owning a credit card to actually build up the credit score because it's actually


beneficial for you when you (uh) actually lend money from the banks because banks actually look at your credit score, ya


okay so I can, I I ask you a question ah, negative experience the uh what makes you want to be alive wait what


oh


[orh] okay uh, okay so you got experience any loss


okay lah I think for me like, I think losing like, of a very close friend in a sense because like used to be somebody you can every day talk to then suddenly the person


, is gone then after it you really create a lot a sense of loss a sense of, or emptiness when you do when you used to talk to the person so often and suddenly the person is, gone I think that that something like uh is a loss to me lor ya


, so actually your grandfather like, create a quite a huge impact into your life, okay, okay so we have uh another question is what are injustices of the world that makes you angry


I would assume so


okay I think for me is like you know the NUS saga that has been going on like how how, so so many NUS student actually like commit uh sexual crime and actually get away with it so easily like, uh


ya and serving community service which actually does not have any impact on your, crime lists actually it really makes me very mad lor like why why should result determine uh uh get free from jail card like if I'm pretty sure if somebody like let's say uh a a teenager of uh


uh a teenager doing it and getting away with it so easily then it actually set a bad example for like future future kids also like uh having the mentality that they can get away with it, ya so actually it really makes me quite quite unhappy that this NUS student actually get away with it so easily and recently the guy actually like press his finger into the person's into the girl's eye which is quite insane to me


like like, ya he only have to serve like community service which is a a bit appalling to me lor like like why should he get away with it, so easily and actually other than that there actually got uh quite a number of injustice lah like for example black lives matter like the police actually actually uh use his knee to like kneel onto the person's


neck like, like don't they have like proper training, in in , arresting somebody like I don't think that's the way lor like that so many injustice in the world, that makes me quite angry ah ya


, so I think moving onto the next question, , what is your most embarrassing moment


so, so when your, when y'all cook is on a campfire or something is it like a mini stove


!huh!, !huh! really meh when you cook, [orh] okay I don't know about it, okay so for me embarrassing ah I think when in primary school like I think Pfour or Pfive lah I actually peed in my pants and like the the whole class knows knows about it and then spreads to the whole whole like primary three or primary four level lah so actually it's quite embarrassing for me because like


like, uh people know me for for doing such an embarrassing act lor, ya so you don't really have, ya so young lah but I still remember it lah so to me I feel very embarrassed about it because I could have just gone to a toilet


ya so that is, [orh], then then


so actually you got quite a number of embarrassing moments lah okay can, okay next question describe a moment when you felt that you were treated unfairly


so actually it treat, he is being biased lor is that what you are trying to say, but why eh why why like he like the the other person more is it


okay understand, okay, okay for me I think it's actually like kind of like a college drama cause like okay I don't know how to explain to you but


where this guy who likes this girl but the girl don't like the guy so like the guy will always like like like vent his anger onto me because like he will tell me about, oh he did so much for this girl et cetera et cetera but the girl like giving him a cold shoulder so actually I'm friend with friends with both of them and to me it is uh quite unreasonable because like uh that because he's now in army lah and then


actually we have a like mini hangout with the clique cause we are in the same clique also so like, uh that time I wanted to go uh go out with the girl and the group of clique lor then but then he like stop me from going because he say it will make him jealous et cetera et cetera


so at that point of time I'm like thinking why why is he being like so unreasonable why is he why is he like controlling my life just because uh, he felt jealous so I felt very unfair that I'm being treated like there even though I'm I'm being such a good friend to him to really listen to his problem ya


uh, ya like as in like I treat him as a friend lor but I think like uh he will only find me when he got problem with the girl so like in that sense like make use like control me


ya ya lor so I find it quite unfair lor


dream ah actually, uh like what I said before lor like every day I wake up is a brand new day like motivates me to see what's in store for me the next day so I really never think about this kind of like questions about


what's dies a little but I think that , I feel humans lor humans makes me die a little with the things that they do ya like, actually the world now is actually quite crazy in a sense because china and US actually having a trade war


and, we are talking about human right issue uh, ya I don't think because of political agendas by these politicians then people in the country actually have to suffer because of them uh increasing taxes all these


ya so just, ya lah, so like I feel like like just because, they have a certain goal like reaching a certain GDP or et cetera et cetera then they have to force it onto the citizens which makes me gives up


a little about on humans lor like so many things have been going on the NUS saga et cetera ya, makes me like , give up on the human like the compassion and empathy to love


ya what about you what makes you dies a little every passing day


freedom ah


but you you love army is it, but you still got one year no meh


sick, [orh] okay can, then you got consider signing on because seven months then you still got quite a number of time before going to university


but, you ORD in february is it


february then august then start mah, [orh] okay can, okay the next question is describe a time when you feel awful about after helping someone


but actually what was he busy with, [orh] so he was busy at the moment lah so when he finish already and uh rarely like come to help you or anything which makes you feel


so actually he's not busy lah so in a sense that he he made use of you to actually help


[orh], so so in the end you got confront him or anything or not


oh okay, !wah! ten second left eh I need to speak or not


no need [ah] okay [lor]


okay okay uh okay so the oh oh okay can can can, can, what makes me want to be alive ah actually quite a deep question never really thought about what makes me want to be alive uh I think motivation lor like motivation to


see what tomorrow have in store for me uh what what I can actually do uh !wah! this question will be hard what makes you want to be alive uh , actually like just living day by day to race you what life amazes me actually what about you eh maybe you say some points then I can like


like think


okay actually I agree with most of your points lah ya, nothing to add on, okay, ah okay actually I'm quite proud of having like good memory lah actually I can remember from


things that are uh since young so actually it's a good thing uh and I'm proud of having actually it really helps me my studies as well such as memorising things uh actually apply things and also being able to understand faster than most of my peers so actually this is something that


I'm proud of ya and it's actually quite useful lor, ya, no not like photographic is just able to understand faster better than my peers then ya lor then ya ya cause I think the brain capacity quite quite big ah so can memorise more ya you eh


oh


so so, ah okay so what is the skill that you are proud of eh


no so actually so actually you are quite athletic lah in a sense, sense because like uh and then you are able to play better than others so you are actually proud of it is that is it


okay, father yup !wah! when did I blush the most, blush ah I don't think I blush before eh okay lah maybe maybe when it like somebody like uh uh


I don't know like compliment me like say [orh] you did such a good job maybe I'll I'll blush and ya !wah!


so so actually uh awkward experience then you'll blush so so what is like some of the awkward experience that you face that actually make you blush


okay understand, for me ah I think like when people like say I I did a good job [orh] then actually I think like it was just a normal thing to do like for example, uh I don't know like uh


ya ya, ya, I think that it will make me blush lor like a bit Paiseh also, okay lah that


okay I think my favourite activity's actually watching drama, like I think uh it really helps me to like forget about the scenario right now and actually go into another world to really like see somebody's life in another sense I don't know whether you can relate to me or not but like when you watch drama you are actually like somewhat