or recommendations so I, if the if, I feel the need to there might be a possibility in the future that I would go to see a financial adviser but I wouldn't hundred percent rely on them on them, because like I would be the one who's still looking through all the recommendations and calculating like stuff like what's the actual rates and stuff like that


so it


ya I mean it's still good to see one and like I like I get it where you say that like you feel like you don't know much about finance, but the thing is that we are all still in uni so I think that personal finance you will kind of get the hang of it or like learn more about it as you go about in life because I think that's how our


parents learn also right ya so I think it's just like as you go through life then you will kind of like roughly pick it up and you'll hear different side and stuff like that ya so


how how to what advice would you give someone to give him or her uh, to get him so I I would personally say that before they even got into the debt they would have to have thought of, certain ways that they could have they can certain on solutions that they can implement in the event like they are unable to repay their debt like for example because of COVID then like recession and stuff like that and people have outstanding debts


so I think that has to be like a backup plan so, before the person even getting to a debt I will tell the person to have a backup plan like maybe like if they before they got into a debt if they have like a fixed deposit, fixed deposit is where you put some money over the years and then it's like fixed you cannot take it out you only can break it so in like certain situations like if like you really feel like you cannot finance your debt then you can take the money out and pay so I think that they have to have like


something in place to like kind of counter it because if you, get in debt in the future that it's like very bad debt it can really affect a lot of your, it can affect your credit ratings if you get into severe debt and then it will affect your how much interest you have to pay on your loans in the future or


whether you even get a loan in the future so I think it's something very serious so if someone really got into like debt and really got into debt and they really really need to get out I think, uh from what I've heard and


know a lot of people just go around asking their, friends and family and those like ya sometimes you have no choice but to do it but at the same time you have to give assurance that you are going to pay back there has to be something that like they know that you can


due to pay back maybe it's like all your CPF cause like at least we have CPF like maybe CPF nomination in the future if you cannot pay back then some money goes to them or something like that you know, so uh there has to be some there has to be some if you're borrowing from someone if they have to there has to be some kind of assurance to show that they can pay back but in the very first place dish if they're going to get into that they should have been thinking about all the solutions or possible solutions that they can


have in the event like they lost they lose their jobs or something like that


I think it's just basically trying to do like uh trying to increase revenue through investment or through maybe getting another getting another kind of revenue stream like maybe setting up your own business or stuff like that ya ya


, part three negative experience


I'm so sorry that happened to you ya like childhood bullying is just bad it affects your self esteem and everything


ya but it still sucks


ya, for me when did I feel nobody cares about me, , I haven't had a lot of negative experiences in my life but I guess there was like it wasn't like a very long moment it was more like I felt alone and it was because


so I did like an exchange semester in norway and sometimes err because there's time difference and stuff like that with singapore, and also like ya you have friends over there but sometimes you just want to like be on your own but also not be on your own at the same time and


my room just happens to be just happens to look so sad and depressing it looks so sad though the view was nice, but it was so sad, and there are times where like it's like ten PM or something over there in singapore it's like five four AM five PM


where it's like so lonely and I didn't get like any texts from anyone or like you know my parents didn't really like message me or call me as often when I'm overseas and stuff like that so is only at, those at at that point at certain times when I'm over there that I felt like nobody really cared because nobody tried to reach out or anything


but it was like in that few hours then after that it was like fine cause I would just, brush it off go to sleep or I might just go to like the kitchen where I find like my other neighbors, it's like floor mates who probably feel the same way I think like they just come there and sit down to talk


ah oh what like everyone's life over here is still going on and then your life everyone just resuming with their life and like no one is like reaching out or, something like that ya, (mmhmm)


ya but I guess for life it had there has to be some downs to have some ups at the same, time so ya probably why it's meant to be that way sometimes , I


did not have any breakups but I did lose the it was my first time losing someone last year like someone someone that I was close to died like my aunt passed away so, it's okay but ya that was a


hard time for me because I literally grew up with her because she is, uh I'm she just more like child-like I think she's a bit mentally challenged in a way that like, she still thinks that she's a child so she's like loves to play stuff and all that and so


it work it worked out well cause like I grew up like with her so we will like, doing things together then she would stay with us, and all that so when things started getting worse for her and then when eventually like when we


it was like ya like similar to almost similar to what you said like losing someone I think that's just, heart ya, ya


ya, and like ya, though that moments will always still be with you in a way but like it will like the if it affect the effect it has on you were just like, grow like gradually grow lower


as life goes on ya, (mmhmm)


, describe a time when you hurt someone's feelings, uh, I would like to think that I , don't engage in hurting someone's feelings a lot but obviously you like ya what you said because of like agitation or something like that it does happen sometimes and so describe a time when I hurt someone's feelings


the thing is I don't outright say something mean it's just a lot of sarcasm so I use so much sarcasm that sometimes the person's just gets annoyed by my sarcasm but I guess that that is my, kind of like mechanism to handle conflicts sarcasm but I always try to stay level headed so


hurt time when I hurt someone's, feelings it's just mostly if because, mostly if like, they expect if someone expects a lot from me and I cannot give them there were instances where like with friends


like they wanted, more they wanted to spend more time with me or they wanted, they just wanted more effort on, my end and I was felt like I was so stretched out already and so I just lashed back I was like I can't I can't give you as much as you


want I mean like want I just can't do it anymore and I think that was the time where I hurt someone's feelings cause it's like the way I said it I think it might have came across to them where I didn't really care about them anymore but that wasn't the case it was just I was too tired sometimes in life you know


(mmhmm), ya, ya


(mmhmm)


it, it's the same for me so I completely understand sometimes I'm in I'm in uni and then I see all the deadlines I see all the nights that I have to put in to do stuff and I'm like, is this worth like my health, cause I feel like I lose a lot of sleep and stuff like that or is this worth not and like not enjoying or having time to relax


it's you I guess that's just uni but I'm hoping fruitful things come out from it because I think we put in hard work and so something must come out from it that will help us, ya


it's the same I think it's a I think it's a student thing when I when when you, know that there's like so many deadlines or something like that, then the more you are, like you can't you as even as you are like okay I'm done for the day my mind cannot take it but when you hit the bed you are still thinking about it and you are like oh my god and I still have this this this tomorrow I have to do that that that and that just keeps you awake just knowing how much


you have to do I think that's frustrating ya I just, exactly completely agree


I completely agree with you for me it's also centred around the same thing but I would say it's like a person I wouldn't make fun of persons insecurity like if I know some out if I know that something is leading the person to be insecure I wouldn't


like, talk I wouldn't like, keep talking about it or you know if the person is like she like he or she if like they don't want to talk about it I won't talk about it sometimes they talk about it but if they just want someone to listen then I'm just gonna listen but in no way will I ever


make a joke out of it because it's something very important is something that you don't want to like you know affect that their self esteem you don't wanna put them down, rights ya I, I think there has to be respect so we have we have to respect that they are like cause


small things to someone that might affect them or that things that they're insecure about and these are the kind of things you shouldn't talk about, ever you just has to be like more aware of it


I saw a ghost


worst nightmare that you hope will never happen, (hmm), I mean technically we I also had like ghosts kind of nightmare that I really hope doesn't happen in real life


no I think it's just really there was something in your house I think I mean there has to be like if there's god there has to be like


err, uh there have to be like a good and a bad ya, so ya, those are the kind of things I think no one wants to see in the real lives and hopefully we don't ever need to (mmhmm)


positive experience


oh so for me I think the the happiest time when I was a child was when I was swimming, ya so at a young age probably like three or four years old my parents already , made made me go for swimming lessons


but , because they just want us to learn how to swim cause it's a life skill, but, I really had fun in the waters I, I enjoyed swimming it was so calming, you and it's ya it's like ya you exercise but in a way that like it's like a more calming way because when your head goes in the water it's like


quiet and like peaceful and as you are swimming like your whole body just moving and after that you're just like you feel good about yourself and you're tired, so I remember doing it a lot when I was younger like swimming till this day I still enjoy to swim I enjoy swimming


it is, ya it it just, makes your childhood knowing that like you can swim and then when you go overseas and something like that you can also incorporate it like if you like want to go inside the ocean or something like that


especially as a child


also similar to you like ya family so like you said almost everything I wanted to say about family but there's also another aspect that I like which was like, primary school, for me because I, felt like my primary school gave me ya it was it's obviously like academic at that point of time more academic but it was like it also exposed me to like different things so when I was in primary school I was from a girls school in primary school so


when like you're with like every other girl in the school it's like almost everyone is like getting along and is like all all like sister sister those kind of stuff, and yet and then, ya it was like good bonding you learn together you chill together then also like through school like they made us learn like we had like for art classes there was like


ceramics you're playing you're doing pottery art classes or like you are learning fencing during PE or like, you know all these kind of stuff so it was very well rounded so I learned a lot I had a lot of fun trying different stuff, it was so flexible so that was like the best parts of my childhood just like trying to start


especially as a child because when you're when you're a child then like you know like trying stuff makes you happy and like when you're surrounded and all that it makes you so happy you don't really think about like more important stuff you just think about all the fun activities you are doing together


around the same thing but for me the best thing I did of myself for myself it's just, constantly pushing myself, so is like since young I didn't want I didn't like the idea of being afraid of doing something, so when I felt that I'm afraid of something or that it gives me anxiety then the more I would want to push myself to make sure I did it and I think that really helped me a lot as a person and helped me develop myself


so like for example when I was in, like, probably secondary school and then there was this program where your an exchange with like you're going you're having like a buddy with someone from south korea they will stay in your house and you will stay their house


and that was the first time I left, like the country without my parents so, ya it's like you know when you are when you since young you're around your parents so it's like safety nets friends families it's like safe it's like they're your safety net and then


like, knowing that like if you're going to go on exchange you're going to be far away you're gonna have to depend on yourself and all these kind of things so , ya so when I went for the experience and I came back I was like okay so if you constantly pushed yourself you will like learn stuff and you will come out a better person


so, uh that is just like what I think got that's just my thought process in life and so, that is the best thing I have ever done to myself and will always be the best thing I've done I have done for myself which is to just push myself out of my comfort zone as much as I can


yes so for me the people I cherish the most in my life is my friends and family just cause, they are like my emotional support system and, they will I know that they will always be there for me no matter what, and I know that


they will love me for who I am and they will accept me for who I am and that's very important to me and so around them I, feel safe I feel comfortable, and ya like what you say I am grateful for my, parents for bringing me into this world and gave me


everything that I have and also teaching me a lot of things in life, and you know like teach like like teaching me values and like from friends you know it's like surrounding yourself with the right people, go really helped and so all my friends kind of


, tick that what you said give you a different perspective but at the same time your values aligned and you know they I feel like they my friends and family are very important for me because they, will tell me if I'm


wrong which is something not a lot of people will tell you they give you constructive criticism, and I think that's important for someone in life and at the same time it's also important that you feel safe and, , belonged to a group, cause ya it helps some


for me if I was a if I was a millionaire I would, ya like I would am, still experience life, but, this is just my perception being a millionaire in singapore is just


it it it's not it's not enough ya, it it is not enough to be a like a millionaire in singapore because technically everyone who owns a HDB in singapore they already at least have, five hundred thousand in their name, from then like their net worth


so if it was me, (mmhmm) yup you wanna say, uh so for me I would , ya I would still like travel and you know like help whoever who need but at the same time I'll be finding ways to


, I'll I'll be finding ways to try to grow my wealth so maybe I will spend a portion of it maybe I'll get some , investment adviser or something like that put my stuff in like mutual mutual funds or, hedge funds or whatever and at the same


or sometimes or I might even use that, because I have money and and, I know you said that you wouldn't spend so much on a house but I would spend on a house because just cause houses in singapore are expensive so the price would go up so I would use it even if I have to get


if I have to take some kind of loan I would take a loan together with a certain amount of money I have and buy a expensive house worth more than a million for sure, so that my net worth increases and with that it can generate more money for me I'll be finding ways to generate money for me but at the same time still enjoying life


oh ya (mmhmm),


I completely agree with you like just, for me just being like, born here, and like giving given everything that I have, like I'm already like I already feel lucky especially during this COVID times, to


be here in singapore knowing that like everyone's gonna kick like the government's doing like good things, they they have a lot of good measures they are really helping their citizens and everything so I think just where I am in life itself like I am lucky compared to like all the things that are happening around us wherever you know in any country where with or without the COVID situation


cause at the end of the day like our basic needs are already fulfilled we have water we have shelter we have food for us on top of that we have the luxury of choosing what kind of food we like we have education, we can say that we have enough for us to kind of


, start our own life and our career to support ourselves so I guess just life in general is lucky for both of us I assume you would think the same way ya


kind of similar to you so for me it was a trip to vietnam, so I went I went with my friend and then we decided to do this like hike the hike was like five hours, uh just hiking and the thing it was the thing was it was you're going to hike up so you


pass all these beautiful like nature but it's because you are also staying in a locals house at the top of the mountain so when we were I was just so shocked when I went there because, I was like when we when we when we were going was okay so it's like from like civilisation to really like in the out in like the outdoors already


ya then after you going up slowly and stuff like that then you realize how far they live from the city so they're literally on their own and they have to provide everything for themselves they live in such a simple way, and when we were joining them to eat like uh our dinner they were all so happy they didn't need anything there wasn't there prop uh I don't even remember if there was a TV I think there was a TV but everyone was just like happy the children were just happy it was a completely different lifestyle yet they were so satisfied with what they had


and it was like ya and then like the view was like amazing just there was no air con there was no fan it was just you at the top of the mountain there's wind coming in and all that it was really like like you know like the olden days


ya so it was it was so fascinating to see like how I was so at peace like I never I I didn't have internet when I was there, at all so it was I was talking to my friend and we were just like enjoying it it was so peaceful it was a totally different lifestyle and also why I was


I was shocked was because, I think that how they got the meat for our food after I ate it I kind of realised that it was probably they killed they killed like the chicken or something like that that they had cause they were growing like chicken and pig so I was quite ya (mmhmm) ya you will you're still young (mmhmm)


hi uh my name is sasha and I'm also here to have a conversation about banking, yes I do have a savings account uh in fact I have two so I have like uh every


normal everyday savings accounts for like my my daily usage and expenditures and then I also have uh a bonus plus savings account uh that's by OCBC so with this account what I do every month is


I transfer in five hundred dollars every month, to for saving so it actually gives me up to zero point five zero percent of interest of, my uh total amount every year and also if I don't make any withdrawals I get an additional zero point two two five per cent of interest as well so I find it quite good in terms of saving money how about you


that's great how about credit cards and debit cards what do you think about them do you have either or both


yup I I totally agree with you I think that uh a debit card is really , useful these days especially when there's so many things that we could use it for at when like booking for things online you know previously when you wanted to book for movie tickets or flight tickets you needed to have a credit card


and now you can just do it with your debit card itself so I think it's really great but in terms of having uh choosing to have a credit card especially in the future I I think maybe I would have just one for like emergencies


because I think there's a lot of, disadvantages to having a credit card as well like all of the interest and the annual fees and if you have like late payments there's going to be additional fees as well and it's it's quite scary because if you keep having missed


payments and it it actually , it someone actually keeps track of all these credits scores and then in future it makes it a lot difficult to get a loan if you need one because uh you don't have a good credit score and also I feel like


you're just using borrowed money cause you are using money that you don't have although you do pay it up slowly later on essentially your monthly finance is just decreasing because you are just using money that you don't have so ya I think it in


those ways I would choose not to have a credit card may be just one, for like emergencies


I think it's uh, a very personal topic it really depends on the couple themselves for me personally I think I would not want to have a joint account <B>


makes you feel like there's a loss of, financial independence because there's someone who's always going to be checking on your expenditure you don't have freedom over your finances on what you're buying and stuff like that also


I mean like if if there's an issue in the marriage that uh in in the relationship it's going to be so messy to you know separate your funds again and decide how much, each spouse gets I think that would get really complicated and


I think I made another major point is that if you are coming into the relationship with pre-existing stuff that you need to pay for like if you have a loan that you have to pay for or like


child support that you are paying for and then those expenditures are going to be coming up from your joint account I think that would, be messy as well because if, both people's money is in it so like whose money are you taking


for those expenditures so ya I think it's a bit complicated what about you what do you think


ya that's true I agree with some of what you said uh as well so it is easier if both parties put in a fixed amount of money every month and then they can just use that to you know pay all of, their bills it simplifies thing so much more compared to asking each person like oh who's going to do the water bill who's going to do the electricity bill so you know it it gets split equally if you do have a joint bank account makes


all of the financial tasks a lot easier also ya especially with what you said about having kids, so in in your opinion what at what age do you think like a child should be given an ATM card


I I agree with you I think I got my first ATM card when I was sixteen as well I think that's just the right <B>, getting secondary school done with and going on to like tertiary education it's a lot easier to understand where the money's coming from and how you need to spend it and also with like tertiary education I think they're so so


uh many occasions where you need to pay for , things in like I mean you know schoolbooks are not, bought by your parents anymore you're doing all of these things on your own and you don't need to have uh an ATM card to pay for this especially if you don't want to be walking around with so much of cash in your hand these days


and I think anything younger than that it's it's a bit scary honestly I've heard of like cases where you know like kids giving out money to their friends because they don't want to say no and you know it's a bit of a security issue if you're giving a child uh an ATM card and if they are a bit too naive and


you know they could just hand it over to someone or give, give out their pin numbers and security codes to someone so that gets a bit scary especially if the child has like uh a growing savings account where the the parent puts in money for them every, month or so so ya I think sixteen is just the right age for an ATM card


so speaking about uh, saving money in banks and all of that , what do you think do you think that you would save your money in a bank or would you invest it elsewhere


okay a I've been I I I I agree with you partially maybe it could be because I'm not that much of a risk taker so , I think it's important to have some money in the bank I'm not saying that I would never invest I would definitely invest a bit later because I think it's important to build up on the savings first so built up on whatever savings I have in the bank because it's it's


safe and secure and there's little risks to it yes my money won't grow but at least I know that I do have this sum of money in the bank whenever I need it for an emergency even if it's not like a fixed deposit even if I'm not waiting for my money to like


mature uh for the account to mature and then receive like my returns at least even if I just have a fixed amount of money that I'm saving in the bank and, it's just there for me whenever I need it and once I do have that


like a steady amount of savings I would definitely consider taking a chunk of it and then investing it in the stock markets in something of course during uh the proper research and everything first before deciding


ya especially like what you said because like the , the economic climate is so volatile now with COVID and everything so I think you definitely need to , really study your markets and your stocks before deciding to invest in something but that will definitely be an option to grow your money instead of just having it stagnant or maybe even depreciating its value in the bank I guess


I also know like there's some, apps these days where you can you know just put your money into the app and then they decide for you on where your money is going to go or what is getting invested in and there isn't uh uh let you I I guess you can choose the amount of interest that you want certain percentage that you can


lose in I I believe like your dad was telling us about this the other day, right ya, ya so I think that's a a good option to you know it's it's not a very risky investment it's not you can choose


the amount that you want to put in every month and you can also just choose when you want to withdraw from it and get all of your money out , so I think that's a uh, another option to consider for someone who someone like me who isn't much a risk taker and I don't want to like you know just put like like twenty thousand dollars in an


investment and you know constantly worry about, it and like check stock markets everyday worrying like you know uh am I going to lose my money am I going to gain my money or ya so I think like that app was like a a really good way to make small investments and and grow your money slowly without taking that big of a risk


oh okay


negative experiences


this is a difficult one because I feel like I've watched so many , sad movies that, it's just too many which one do I choose but okay I think I would, pick a scene from


I if I'm not wrong I think it was like a tamil language film and the scene was uh in a court house like ya it was in a court room and it was depicting the relationship between the father and his daughter so


that that was one scene that made me cry a lot because it was a very special bond between father and daughter and I could really relate to it so in in the movie , I think the dad was mentally challenged and he was losing custody of his five year old child so


there was a moment in court where father and daughter would they would just have their own , ya it was just very sad cause


it it just reminded me of uh if I was separated from my dad, uh it would make me feel, really terrible because I'm really close to my dad, ya how about for you what what was a scene that


ya I I I I've think I watched the movie and I totally understand how you feel, how about we move on to the next topic what do you dislike about the younger or older generation


oh okay so for the older generation I feel like, they are very, stuck in, the way that they think a lot of them are not open to all change they are not open to


anything that is different from what society believes is normal, I think like uh LGBT relationships is for is one of it so they are not, open to anything different or out of the norm and


I think one that I can relate to and I feel like this happens a lot in asian cultures is where uh parents they they try to, they try to lead you into the path where


where they make you think that this is what you want but it's actually not what you want it's what they want especially in when it comes to like education you know like they kind of, prime you where like one child has to be like a doctor one child has to be like a lawyer like they try to prime you in these elite pathways and they don't ever accept like any other types of profession like like the arts or you know anything else is just


it's not it's not professional it's not going to earn you good money and ya they it's very difficult for them to like break out of their shell and to see that uh there are so many other professions that, could make it big you know like even starting a business you would say they oh go get yourself a real job starting a business is not a job but


you know someone could actually be making a lot more money having their own business compared to stuck in a you know uh like a nine to five, office job so ya that's something one thing that I dislike about the older generation along with like those generic oh when are you going to get married questions and stuff like that


but ya as, for the younger generation I feel like I agree with you you touched on it a little bit on how social media is becoming too much of a deal with are the younger generation everything is related to social media it's like


if you didn't if it's not on the gram did you even do it you know that mentality, so people and people start to compare their lives with , you know all these influencers and everything they think that what they see online is what is real they they fail to understand that there's actually a separation between what you


you let people view on social media it might not actually be the reality of your life and unfortunately a lot of youngsters these days , they think that the social media world is everything you know and they they then you know they they go to the standards of


being exactly like their favourite influencers you know up buying the same products just because influencers are you know promoting it and it it has become more of like , like, they they they're just reading too much into it I I feel so ya that's one thing that I don't like about the younger generation


ya it's quite sad how about like uh what's the most traumatic incident that you've experienced I mean like


okay so I think the most traumatic incident for me is where so this happened like five years ago it it happened in gold coast australia, so I was there with my cousin and my sister and we were just at the beach you know having a fun day


if I remember correctly it was on christmas day so ya we were just at the beach uh we got into the water and we're just having fun swimming around and the next thing you know I got, pulled out by the currents and ya so


uh what worse was that it wasn't just me who got pulled out into the current it was my sister and myself so, ya it it was just , the currents were just really strong because like one minute you were like standing on the seabed the next minute we you know we were struggling to stay afloat and it was difficult because the waves were so big so even when we were like trying to tread water like another huge wave would just come and like you know like overlap us and drag us out further so


it was really really scary cause like the only thing that I was I was trying to do was not only stay afloat I was trying to, like you know inch closer towards my sister and like trying to hold on to her and like the only thing that was I thought was going to die I really thought I was going to die and the only thing that was running through my mind was that


if anything happened to my sister and I made it out alive my parents are going to kill me even more so I was like you know like god please save my sister like you know I hope nothing happens, to her but ya uh my cousin


thankfully was closer to shore and she immediately got like lifeguards out and so they they came out and like uh manage to save us and bring us back to shore so that was really really traumatic because I really, like my life like just flash in front of my eyes as cliché as that sounds but it really did


ya and since then I've just had a fear of the sea and the water and I've never been into, the sea ever since, so ya that's something that I would never forget I believe that it was the same for my sister as well which is very very traumatic


ya it's actually one of my greatest fear so like I would swim in a pool by I I've never gone back into like I've walked along the beach but I've never gone into the water ever since, ya so it is one of my greatest fear what what is one of your greatest ya


ya that makes sense, what, what are some of the like injustices in the world that makes you angry


I think along the same lines I think what asylum seekers are being put through it's really terrible as well like you know they flee their country to seek, comfort in another country but they are just being detained indefinitely uh they don't they don't ever get a status for years and it's it's just inhumane and I think something should be done about that


positive experiences, uh hi again Mitraa so uh , I guess you want to talk about the positive experiences in our life right now so let's start off by talking about


what are your hobbies or like some of the things that you've felt happiest doing as a child


hobbies and activities definitely changed over the years but what I, was felt happiest doing as a child as you said definitely going to the playground and I remember whenever I used to stay like in my grandmother's house as a


kid I would wait till the evening for my aunt to come home just so that she can take me down to the playground and I would buckle the moment she steps into the door I'm like can we go now can we go now but, ya that was really fun and


because I spend a lot of time living with my grandmother during the holidays and stuff especially another thing that was, really fun for me was like watching my grandmother cook, and I think that, that was how like my love for cooking stem as well like I was always watching my grandmother cook and asking her about the stuff she's <B>


how about the like the best parts of your childhood since we're like on this topic


I think the best part of my childhood definitely during all of the holidays that I spent staying in our cousin's house, and , ya it was it was just so fun unfortunately this was before you were born so you weren't there


but ya it was just so fun, so whenever we are planning to like go to our cousin's house my my my sister my sister was still pretty young then as well so, we'll call each other and then we would discuss like the the board games that I should bring like this week will bring like the game of life or monopoly or something and then we'll go over but we also have really like old school games like we would put


tables against the windows and then drape our blankets around to create like a tent and then you know like one cousin just acts as a as I don't know a werewolf or something trying to scare us in the tent and


uh the other thing that we used to do was we used to watch art attack a lot and then we will get so inspired by all of the artwork we'll go down to like the the supermarket below and ask them for like all of their old cartoon boxes so that we can bring it home and then try doing all of those artwork and


uh as you know like our cousin used to stay on like the fourth floor and there wasn't a lift in those blocks then so it's either uh we have to climb up those four storeys , and you will get so lazy sometimes cause like aunt will ask us to buy something and you will would want to go to the playground after that and we did not want to climb four storeys up so we have her lower a basket down


and then we'll put all the things that we had to buy into the basket and then she will like reel it back up so we didn't have to climb four storeys up, and down so ya that was really like there's just so fun for like as when we were kids


wish you could have been there but you were baby


we got creative


special event uh or coins , I I would say that usually, it's special events because I'll consider myself a bit of a, planner and I love planning like , surprise birthdays for my loved ones and I think I've done it like about two to three times and


maybe more but ya those are always like the , the most awaited event you know of that that period because like I I will be planning like such a long time I'll be planning for like a month or two and then like I can't you know like it it gets so you get so anxious when the day finally arrives I think I I did like a surprise birthday for my sister's


twenty first and ya she didn't she didn't have a clue she she did know that we are going to like just do like a simple staycay but uh ya she didn't know that was getting like full on decorations and a full on cake and all of her friends arrived and


ya it was really great , I did the same for like my dad's sixtieth birthday and ya all of you guys were there and he was really pleasantly surprised so I think , I guess why I can't wait for the events actually happen is because I'm I'm so excited to see like the reaction of my loved one and to see like their if if they're pleasantly surprised and happy with what I've tried to do for them


so ya


that's sounds ya that sounds really fun , so, maybe we should talk about like our travel experiences next because I know that we we both love travelling and you've travelled like a fair bit what what was like a travel experience that left you you know in awe like the best experience you had


so nice I will definitely love to visit switzerland someday hopefully soon but I think for me like my best travel experience was when I went to new zealand with, two of my friends and we did like we did a sixteen day road trip and that was


totally out of my comfort zone cause I'm I, never like travelled backpacking before so it was my first time and uh it it was it was great, uh I stayed like in the dodgiest of hostels and backpacking motels


but we also had like our fair share of like really pretty Airbnbs what ya the the the experiences that I gained from like staying in like really gross motels and stuff , actually taught me a very big life lesson of like tolerance of like you know how


how we are always we're not always the, luckiest like I mean sorry like what we have is, we are considered to be so lucky and what other people have like you know people are living in conditions that are ten times worse than us , so ya it taught me to be a lot more


tolerant but also the the trip was just amazing cause we were just driving around new zealand both the north and south island for like sixteen days we slept in a car one night I had like two near-death experiences on the road


which I never told my parents about cause I nearly died twice so ya it it was and ya I mean on top of all of that like the amazing sights like the mountains and stuff like I, I never thought I would experience such beauty like the only thing that I could I was thinking was


what did I do right to be so blessed to like you know view all of this, beauty like, I I must have done something right to be so gifted to you know be experiencing all of this, so ya <B>


ya, so I will consider that as like also my biggest blessing in disguise I guess, so like your biggest blessing in disguise


I think that was my like my biggest blessing in disguise it was like being able to, travel to places, and gaining so much of learning experiences from it


!wow! that is really difficult I think I would definitely save money, , I would definitely give a huge portion of it to charity I


would get myself for house I think those are like the two things that I would definitely do


this I agree with you to a certain degree because I feel like , being a millionaire, isn't worth as much as we think anymore like they are people who have so much more money and considering it to just one million like they actually isn't much you can do with just one million dollars anymore I mean like a house would cost you just one million dollars


these days so, I think it requires a lot of planning to have a million dollars it isn't as easy as it it's sounds as easy as you make it out to be because it could be just it could be gone in just a flash like you know


you it could be gone just shopping, let alone like you know doing all of the other things that we talk about so I think that's a lot of planning that is involved, in gaining a million dollars and and in how we want to spend that million dollars


this has been fun


hi my name is Mitraa, today I'm going to speak about banking with you


let's start off by speaking about if you have a savings account


for me I do have a savings account I have two savings account too one of it will be OCBC and PO another one is POSB so what I do is I keep one account to save like save for my long term


savings for a long term and I don't touch the money and another want to save to use it for you know going for a nice dinner or something like that so for me what I do is I, get five hundred dollars every month so I save a uh of about two hundred and fifty hours of it into my account so like I split it I split it and see how it works


so actually it's important to have a savings account because I feel like we can't just live like hand to mouth, it's quite scary to you know do that so ya it's like uh it makes me feel more secure and safe to have a savings account so


ya I I really enjoy it and I've been doing this for like the past few years so seeing the money grow really helps I mean though the interest rate is not a lot it really helps


I don't have a credit card but I definitely do have a debit card I feel like a debit card is really useful because when we in like in the past there used be an ATM and a debit card now it's combined together so it helps like you know people like me who are teenagers


so we go out we can just use our Visa or master but it's not under credit card so going out for lunch or dinner and because of COVID there's a lot of places now that want cashless payments , so I feel like you know it's really helpful to have a debit card, and ya it's it's it's to me it's


a credit card is not really needed until a certain age because uh debit card helps you save your money and use your own money it minus off minuses off the money from your savings account unlike your debit unlike like your credit card it was


minus off the money from the bank and then you have to pay back the bank so I feel like it's really good to help you like manage your money in the way ya


ya I definitely agree with that because using a credit card is not really , using your own money it's I think a loan for a month and then you're going to pay back the loan when you get your salary so ya I definitely agree with that because when we don't have the money we tend to we tend to think that oh we can just spend it and we can pay back when the bill comes then we're like oh no


we actually got to you know fix this like sell this amount and ya I definitely agree with you I feel like having a debit card has more benefits compared to credit card I mean if when I when I come to the age where I need to get a credit card I would do the same I'll get a credit card


and use it for emergency purposes if there's really something that I need to use it for than ya see I agree with you, what do you, what do you think about couples combining their finances and opening a joint account


actually I I agree with some some of the things you said but I feel like, when like a like a couple come together let's say they get they get married or they have children or whatever that the case is I feel like they should take aside some of their money and put it into a joint account so that they can use that money for like groceries


or you know when if they have a child and to use it for the child and so on so I feel like they don't use put in all their finances like combine all their money but I feel like they can put in, a certain amount of money like for example both of them putting some certain amount of money and they help I feel like that will help in family planning I don't know because I feel like like I usually said like you know ask someone we love to shop and all and like I feel like there's there's always should be a certain amount of money that


should be kept away for the family if if they have a child honestly if they don't I don't think it's necessary to have a joint account in my opinion like I I agree with what you said because then it gets so messy, like you know but I'm spending on this you're spending on that there's so much of questions asked and you rather just have your own own account to spend your money


cause I do feel that when it comes to when you have a child or a family that will help having a joint account because it like you know child's school fees or , you know going to buy things for the kid grocery shopping or anything to help the household ya so in that that in my opinion I agree with what you said definitely because it can get a bit complicating like you know


in my opinion I feel like a child uh more of like a ya a child a teenager should be given a card when they're like sixteen fifteen to sixteen I feel like anything lesser than that is a bit too young because they still don't know like what


finances are there yet or like how to manage their finances and I feel like if you give a, thirteen year old kid an ATM card they're just going to go and spend it and you know do something crazy with it like I don't know go to timezone and play or something it's a bit you know not


not quite safe but I feel like from fifteen to sixteen should be an age where they are more they understand their finances more and it will help them to like you know if they go out to eat or anything keeping like it helped them with their saving skills I guess like for me I got my card when I was sixteen


so before that it was all just cash and, I mean we are moving on moving like towards such a technological world like you know filled with technology and having a piggy bank now really doesn't do any good because like you know what you don't get anything you just put your money in the piggy bank and it doesn't grow okay I'm not saying the bank's interest grows like it were not like the money in the bank grows a lot too but


I feel it's somewhere more secure so like if I lose my if I lose my wallet my cash is gone I don't have the money whereas I can just call the bank and say you know I lost my card could you like please change it or uh cancel my card and it it's


safer in a way according to me and I also feel that it will help children understand and start to get like the exposure of how to deal with my finances how do I like what do I use what can I put in my account to save I feel like if you expose them too early they would


be completely lost they wouldn't know what it's for and also if we expose them too late, they will be they will not be very, confident with planning their finances like till today I have some friends who oh like who still don't have their ATM cards


you know they still using cash and I'm like you got to learn how to you know use a card like go to the bank withdraw money put in money save the money or when you go out so I feel like it will impact them in coming years through time because, they don't, even know how the basic function of like uh you know a savings account or a debit card or even like an ATM card so ya I I think the appropriate age would be fifteen to sixteen


I feel like when I, when I uh start earning money I will definitely invest it somewhere else because the bank I don't think the bank's interest rates are attractive like you really don't get like a good amount of money after saving it for years like for a long term savings whereas I feel like if you put it in


investment like uh you buy like stocks or you know you can you will earn more money in the long term like way more so I know like if you don't invest in a bank and you invest invest it somewhere else there's a risk factor


because it's not sure that your money's going to keep growing like in it's it's there might be times when the bank you know uh like now COVID is so bad so you know, stock markets are low and all that so I feel like it's depends on individual if they want to take the risk but I feel like I'm someone that will take the risk


because saving in the bank it's, almost as good as saving it as cash amount in my opinion


ya I definitely agree with that I mean I won't I will never uh invest all my money but like what you said I will save I would come up with a good savings amount and maybe take partially , one quarter of it or you know half of it and invest it but I definitely need an amount there ready for me even though it doesn't grow I need to know that I am secured with that amount first


so ya I agree with what what what what with what you said definitely and ya you have to research so much about like stock market and all before you put your investments and put your money in there because it's so , it's so scary because your money can grow it can also drop and so that you lose money or you gain money so like what you say I feel like it's it's exactly like what you said


ya ya I think he was ya


you know if you're not like a very good if you're not good at financial things you don't want to put your money then be so lost about it like you said it probably will cause anxiety everyday waking up and say the stock how's the stock market going and


it's quite stressful too I I I agree with that definitely and ya like what you said my dad's always talking about stocks and finances and investing and, ya it takes, it takes a great amount of risk I also heard there is this app where you can like fake it's like uh it's not like you are really investing your money but using fake money to invest to see how you can invest so like like uh I don't know how you call it like a fake thing just to see how it go with it that's that's quite cool


negative experiences hello , hi so today we'll be, now we're going to talk about negative experiences okay so


recall a scene from a movie that made you cry or like you know you're really so upset about


I guess for me it will be this movie, those are tamil language film, okay it's called, in english it's literally the number three, and it was uh, about this guy who fell in love with this girl, and he he became he had like


schizophrenia, plus bipolar, and he was so in love with the girl and they got married but, it was so upsetting because, after all that they've been through, his mental health was deteriorating so badly and they all were trying their best to help him the wife the friends the family and


it was just so upsetting to see the way he just took his life in the end, like, he didn't want to hurt his wife, didn't want to hurt anyone around him, he just felt so like, helpless


because he feels like if he was going to continue to live he's going to held them and, in his mind he can see he can hear people talking to him they're not real , and it just make me feel so sad because it's not just something that happens in movies, it's you know


something that happens in , something that, happens in real life too, and, like the tears in his eyes, was just so it was so real and it was


honestly I was depressed for like, three days after watching that movie , that it was super super


let me talk about what I dislike about the older generation first, I definitely dislike their, some of their, traditions and ideologies that, doesn't really apply to us anymore, and, for one of the instance that


like, for us indians we always have this , you know things that, our older generation always say like you know when you, it's how how do I put it they always, they always put men higher than women


and they always feel like as women we need to, succumb to men and what they say and we've to cook for them and this, are things that I really disagree with, because it doesn't work, in twenty twenty anymore


it might have worked for you and your older generation time I just still don't understand why it's fair, but, they got to learn how to move along with, the time and understand that that things just like, sexism is so prevalent you know like


they need to learn how to understand that, know men and women should be treated equally, or even like certain traditions that indian people say like, oh you know when, when you get your period every month you're not allowed to sleep


on the bed you're not supposed to wash your <B>, things like that made sense in the past because you know <B>, have toilets nearby, or in the house so they have to always sleep outside of the house so they could access the toilet easier


but they don't apply to us now we live in, homes with which always have, washrooms you know, and, ya these are the things that I really dislike about the older generation, they they are so , they are so adamant in being in their <B>


ya and that really makes me so, angry and frustrated like, why and for younger generation I feel , I don't know how to put it I feel like


I feel like we are doing fine I mean of, course it's our generation so I'm saying that, but, I definitely also feel that there are people younger generation who, are <B>


try to want to be normal to uh, to get society to accept them or view them a certain way , because of apps like social media, and you know Instagram Facebook their, exterior image start to become so important to them that they forget


what's actually important which is on the inside so I guess, ya then that, that are other like negative things about both of know you know both elderly


ya I definitely agree with you you know whatever you just said , especially with the older generation thinking about how <B>, but they they refuse to understand that you all are


moving forward you know and, they they refuse to understand that we each have our own <B>, or if someone is not good in the arts they can be really good, you know in the academic side but I feel like the


mindset many of them have is oh my child has to be good in these good in that good in that like they want their child to be all-rounder, it's o, you become like trophies, instead of like, a person with emotions, and ya and I also really agree with you when when you said about younger generation how you know


what, what you show outside is not really sometimes your reality


most traumatic <B>, the most traumatic incident was, I don't know if this is considered traumatic but I do know when I was young I went with my grandmother


to the market and we were just buying our things early in the morning and, there's uh this old lady there she was walking in and she suddenly just collapsed, like and, the fact that I'm eighteen and I probably saw it when I was three


three and it's still in my mind, like I still can recall the incident so, clearly it, I don't know if it's traumatic but, it makes me feel really upset like I don't like seeing , old people that are alone it made me feel like I'm


I feel, so helpless and they're also so they look so helpless , and it just broke my heart because, and the ambulance came and I think she, passed on she probably got like cardiac arrest or something, but , it was just so traumatic for me as a kid because you're walking in a market it's supposedly a happy thing


and then we walk and there's this, lady just collapse and everyone's crowding around her and, it really made me feel like so, literally so, sad and like if you're talking about recent times, another traumatic incident was when I was travelling


and I got into the train and my parents didn't, and I, freaked because, I I already have anxiety and I do not have a phone with me and oh it uh it, that that moment really really scared me until today it makes me feel


so anxious because in a foreign country, they don't even speak english and, I feel so intimidated because I was so I wasn't even I mean uh ya I was probably fourteen, uh ya that so scares me so ya what what, kind of traumatic incidents do you have


okay !wow! that is really so scary, if I was in the situation, I wouldn't even dare go back into the sea again did you have like troubles like , going back, into like swimming or anything of that sort do you feel that, the fear like oh my god something will


also same thing oceans, I am, extremely afraid of , do you know the feeling where you're on roller coasters and there's that that sinki, feeling it it like it's, for a lot of us are adrenalin but for me it's literal anxiety


like, it makes me so <B>, I have this like phobia of, a big fear of , being in an environment where it's, filled with nature, so let's say like I mean like looking at the sea


and it's just, like you you don't know where the water ends, or I'm looking I'm standing on top of the mountain and it's just white, like it makes me so fearful, the, I guess the power of nature is what like makes me so scared the most because it's something I cannot control


if the mountains crashed on me they're going to crash on me if there's a tsunami I'm going to die, so that's like one of my I guess, irrational fear, because like it's it's, it but if I don't see an ending to something I get


super fearful, it made me just so afraid I don't know why it makes me afraid but, the the anxiety is real when I see literally, when like there's no end or even when I, when I think about like space it's


there's no ending to its also a galaxy and the thought of not having an ending scares me so I guess ya, the that's like one of like my greatest fears is, being in an area where I don't know what's going to happen I don't have a definite answer


so ya that's always been like my fear and anything I guess I always need an answer to something


so a lot of injustices in the world and firstly it will be billionaire, because I don't understand why billionaires need so much of money, if you have like, you've so much of money you could


like if all the billionaires came together they could solve world hunger world starvation, and yet you don't I'm sure there's a way, we live in a world where we have billionaires and we have people , literally dying in like in yemen the children are dying and


every time I go on social media and I see see that it just breaks my heart, because it's, they do not ask for their life, they're just born and, every single day they have no food to, eat and


uh you just think of like you know, if you you're a billionaire you could help, but then again I guess, it's their own money they earn it's up to them but I just, don't understand what is the need for people to harm others, like in yemen bombings


attacks, no food starvation, they it's so, painful to see it because, like it's a, kind of lifestyle that we will never experience, and it just we


it's just so upsetting because I don't understand why, like why ya so ya I guess


positive experience in your life


okay honestly people have asked me about my hobbies so many times and I've have no idea what are my hobbies but as a child what I really enjoy doing


was going to the playground playing with my cousins and friends it's just a good time like you know uh it's four PM and okay it's playground time we all go down with our fake bike you know and and our motor cars like it was it's it's so fun and then


another thing I really enjoyed as a kid was my dad used to get DVDs of like Spongebob dora and mister bean oh I just loved watching and sitting down at home and watching it , and like these are the things that made me made me feel so happy as a child doing because it felt so good and I remember was this place at downtown east it's called kids explorer don't know if you know about it


it's like it's just one of those bouncy castle things to get entire place filled with it I had a membership that I probably went there like three times every month when I was a kid it's just super fun, so I was very I was very very active kid I really love to do all this running jumping all that kind of things so ya like those are the things that I really enjoy doing as a child what about you


!wow! the best part of my childhood okay I think the best part of my childhood was when my dad surprised me and brought me to hong kong Disneyland on my birthday so honestly I had no idea I was even traveling


so I just came back home from school one day and I'm like I had a a helper at that time she was showering me I could see like my mom in the background packing my suitcase and I was like I don't know what's happening I was a kid so at six and uh I wasn't that, frightened as a six year old kid


like what's happening and then we went to the airport and my mom told me that oh we're going to go and fetch your dad I was like why do I have to bring a luggage then , so it ended up we actually found out that oh my god I'm traveling so I went to hong kong where my dad there and we seek happy happy thing because like it was so unexpected and as like a six year old Disneyland is like !wow! I mean even now Disneyland is a !wow! to us so


like from a six year's point of view it's like oh my god I'm in Disneyland and that's the age when you're old you know so in love with the cartoons and the princesses I remember going and working into Disneyland and there's uh cinderella belle ariel, mermaid all of those the princesses just literally standing there and it was just so fun like taking pictures with them and in hong kong Disneyland is the Disneyland most their rides are like for kids not really like the other Disneylands they are really like for kids so I had a good time because I could


go on the rides I will also like you know take pictures with my princesses and of course to a six year old to me like they are the real princesses you know they're the one that I seen acting on TV and all that so ya it's just I think that's like one of one of my best parts of my childhood, and ya I think


that that is one incident there's many other things but ya that's that that's one of it what about you


ya that sounds really fun like what put a basket and bring it down that looks like some I don't know seventies kind of thing, that's really cool what, yup really creative you know oh this okay since we are talking about you know childhood and all let's go to like where we are now so what do you think is uh like tell me a time where you couldn't wait to attend like a special event or a concert


there's, for me uh , !wow! I'm not a planner I though I love to do it but I feel like actually I like to do it but it really depend depends on the theme


I guess to me it's like depending on the theme I feel like sometimes I enjoy you know a certain theme better, and like like for me for myself I enjoyed planning my eighteenth birthday you also got aloha theme and it was so fun planning it and uh going on to so many places to find decoration because it's so difficult to find


good deco in singapore it's like either so expensive or it's not even not even existing and one time I really couldn't wait to go for a concert was harry styles concert it was two zero one seven I remember, and I remember


it was so unlucky because on the day that the concert was it's also the same day I had a school camp, so I was like no there's no way in hell that I'm staying for you know the school camp I'm so going to go for this concert, so I told my teacher I'm so sorry I booked concert tickets so a while everyone else was in camp and it's not like a fun camp it's like NPCC camp so they're doing marching drill putting up there you know tend and I was like bye bye so it was so fun like you know going and watching my <B>


really really really had a good time doing it so it made me so happy because I I really love the songs


okay !wow! this is a difficult question, okay uh let me name a few like on my favourite countries so I really really love , portugal I really love prague and I really love switzerland


so I guess my favourite memory of or like one of these places will definitely be switzerland, because we went there with my with our cousins uh rebecca and all and, it was so hilarious and fun and it was during winter so the snow and the I forgot the mountain name if I'm not wrong it's


mount titlis, something like that ya and they have like this sledge so like you know like you know you there's a steep hill and then you use a sledge and go down, it was so excited for that and so happy and turns out we went up there it was like it was like literally there was heavy snow so they said oh you can't go on the snatch uh uh on the sledge


but we were like it's okay find let's we battle on the snow and we played and it was so fun like we literally making snowballs throwing it at each other and building snowman and it was such a good time because like for like during that time you don't feel like you uh you are thinking of anything just really


embracing the moment and living there because like we recognise that this is like a blessing for going on such a trip let alone like, being able to sit in the top of a mountain playing with snow and it's like you know nature's gift and something that we can never experience here in singapore so it was it was so fun because like the beauty of switzerland the beauty of all the mountains it's just got me in like !wow! like I was you <B>


is one place that you see it on the pictures it's exactly what it is or ten times it's better in person and I remember when I went when I was in switzerland tour we went to this mountain


you know the uh the mountain on the Toblerone chocolate ya so ya that that, there was a mountain on it I was like !wow! like it's in front of me and I never knew that mountain you know was an actual mountain I thought they just draw a random mountain and you're like okay ya that I really love switzerland


the whole country and the trip left me in like awe


this sorry I missed you


my biggest blessing in disguise !wow! I guess like my biggest blessing in disguise is


oh my god I actually okay how about you answer it first I ask you first, honestly


honestly it's the same for me because not everyone is blessed to travel the world and especially at our age like a lot of people only start their travelling when they are in their, forties and it's such a big blessing that we get to do it now if we get to see the world and it makes me so happy and like you said it's if sometimes it feels like a norm but to recognise that it's


it's like one of the greatest blessings to be able to move around and like actually, view view, what like literally what what is earth it's just it's so amazing so, what do you okay talking about travelling what will you do if you're a billionaire or a millionaire


uh I guess for me will be the cliché answer go and get a super pretty house you know like a gorgeous view probably like a beach house and then renovate it you know like you know like those Netflix shows where they have those like super rich people and their house are like rich so late


ya that that will I will do then probably get a car that I really really like I will live in a country that I really like and I would, buy like I'll probably go shopping almost everyday because I have like so much of money and there's one thing I'll definitely do is give money to the less fortunate I will giveaway a huge sum of money because I


honestly in my opinion of billionaire a millionaire you have you have like so much of money you won't even need you know, you don't it's impossible to finish up all that money on yourself really like in my opinion so like !wow! being a millionaire will be, so good like I will just enjoy my life


with travelling uh you just travelling and travelling and there's no there's no one to stop you you have all the money in the world what is going to stop you literally nothing you don't have to work for anyone and you're not going to get fired from your job it's there you living the life you want so I guess that's all I'll do if I if I was a millionaire or a billionaire


definitely like one million yes one million is probably like you can't even live uh you can't live a luxury life with a million it's it's really nothing in this in like in our times you know it's like you said a house cost one million ya I guess


well I was talking about like multi-millionaires or like multi-billionaires, really like you know but one million I agree with you it's basically like it's a bit scary if you think about it right because it's one million because a lot of planning ya I agree with <B>


ya it's been so fun


part one finance, eh hello ah eh okay, number one do you have personal insurance if so share the details name of the provider and name okay you go first


okay myself I have uh personal insurance with uh prudential uh all my policies are under prudential and then uh, uh one is for the personal in uh personal injury another one is the hospitalisation yeah and also got travel insurance ah


yeah yeah okay your next question


okay I got one uh savings plan, okay uh I think every month uh got to pay about hundred, plus hundred and ten I think that after when you oh when you turn seventy then they will pay you back all this sum of money lah with prudential


yeah so it's like more uh savings plan lah, yeah yeah yourself, okay


okay okay


okay I think I spent about five percent of my uh income on insurance, as I have uh, about three eh I think I eh sorry I got about insurance policies lah so I uh I think it's about yeah five per cent ah I spend on uh pay on insurance yes and my coverage are all full ah hundred percent


understand yeah yeah my company also got uh uh got buy insurance for us also in case of accident or work related incidents uh yeah then can


okay for myself is I just get one lah all from prudential cause easier for me to work with my agent so if anything I can just find her lah so better yeah for company one is I think AIA


yeah company one should be yeah I need the accident plan or something right yeah correct


yeah correct correct yeah they will every year I think they will advise also uh you want to get this we've got new plans right that's the one right, ah okay yeah okay can okay the next one do you can you get insurance then buy your car


okay for myself right uh definitely getting a property you, you have to buy those ah in case of fire or anything happens ah you need that kind of insurance ah, your rent your rent uh this travelling overseas yes definitely I I have to get it because uh


I I what do you call it whenever I travel I try to you know uh to do uh maybe hiking and all that so quite dangerous activity so all these I definitely need uh insurance so in case if anything happen my, uh I can be you know like warded in overseas hospital and all that yeah covered lah okay yes and


uh no children no domestic helper commercial activities uh , no lah don't have lah so I only got it from my property, my and uh travelling overseas only yeah


depend on, I think CPF is actually


good lah but I don't think so like for example lah medisave I don't think so you are able to claim hundred, percent for any surgeries or anything so you definitely need your your personal insurance to be, there to assist you hello yeah yeah oh sorry sorry ah yeah so uh should have


so your medisave is definitely not hundred percent and uh if for example if you want to do MRI all that you can't use, uh your, medisave you have to use your own cash so with this uh your insurance at this part this part of time will come in handy lah to help you because MRI is not cheap easily about six uh thousand bucks if you go to a hospital so if you cannot use your medisave then you have to you know you forgot your own cash if you got insurance then you can claim lah


yes yes dependent protection scheme I I every month got this letter but actually I also don't know down is for what, yeah okay this my thoughts lah how about yourself


oh yeah yeah for dental right I don't think can use that I think but for surgery dental maybe can use a certain percentage I don't think so it's hundred percent also right the rest all maybe can use your insurance, right yeah yeah yeah


correct so pay first so it's so those people who don't have enough cash then it'll be very difficult for them lah especially when this point of time ah COVID and all that okay lah


(uh huh), uh okay okay okay, okay so the next one only approach an agent on when it comes to insurance planning, okay uh normally I don't need to approach my agent uh what happens is my agent will maybe every six months she just call us and just update us what are the plans they're offering


then uh once in a while also if uh at okay if I'm looking for something in as if I'm looking for something then maybe I'll call him up also I'll just asking eh uh I have I am going okay for example if I'm want to go diving right then I will just let him know eh bro I want to go for diving so these are any suitable insurance or not so he will advise me based on


what what is my uh my needs lah okay, so he he will plan something out for me with whatever I I told I I explain to him he'll keep in view all my expectations then you will tailor for me a a a plan with suits me


uh it so it's like quite often lah so every two three months or six months he will just call me up say uh I got this this plan are you interested you know all this so, uh regular updates lah so that's how I actually uh get my insurance


yeah


yes wait, uh insurance is more of a need that and a want lah if you ask me so definitely uh there will be hidden clause in the insurance policy so you have to really read through your policy before you sign for you buy


I think it's it's very important especially in singapore uh overseas wise definitely you need insurance lah you need to be insured because you will never know you see you were in overseas you might end up getting sick and now with COVIT all around lah I think it's more important


to be covered especially if you are admitted in overseas is going to cost you a bomb so so I'd rather have this insurance, uh so when I go there at least I know that okay I I don't need to spend money if I'm sick or you know in case anything happens to me lah


yeah yeah yeah so uh you must really read trough the clause before you buy you need to know uh , because there are certain things that could happen then you cannot claim based on the reasons so you need to know what are the reason in case if anything happens and you cannot claim that one is very important lah I find it lah so you should be very very uh well versed in your policy be


yeah yeah okay yourself


yes and uh, okay another thing is I think uh when buying insurance also you should see when ah it should be within your budget lah you know you don't buy things that's over your budget than in the end you cannot when ah end up paying on time and all that so


you really need to be you really need to, buy your insurance uh within your budget lah yeah, because I realised a lot of people like to overspend and then later on they have a lot of issues keeping up the policy payment on time yeah after that suspended it's a waste of money


yeah okay yes okay uh, do you prefer to use cash or go cashless when paying for goods and services if you prefer question okay uh basically I prefer to go cashless using, uh paywave okay so easier for me I don't need to get cash and uh worry at my I know I have money so I'll just use my paywave uh I try to spend within my budget


okay uh most of the places lah I go I use cashless uh method lah platform okay yes cash I seldom use cash cause I don't want to be carrying around money around


I understand okay yeah yeah okay yes, yes oh yeah hawker centre yes definitely you have to use cash lah because I don't think uh eh


affordable yes expensive yes very true yeah okay


okay do you have the habit of saving how do you, uh yes I have this habit of saving, hello


yeah yeah okay yeah sorry uh have this habit of saving every month at least try to save fifty dollars uh , uh just be discipline lah you know uh maybe you can just set, up uh uh, a a a bank I mean a a separate savings account in your


in in in the bank so every month maybe you know uh request for a fifty dollars to be deducted from your main account to this savings account lah okay yeah I've been doing just started actually, uh


okay uh one fine okay how about yourself how do you meet a


yes uh okay, yes yes and another method which I trying also is the piggy bank lah just everyday tried to put one dollar yeah ah


!wah! okay okay that's cool that's cool


okay okay okay so uh want okay want is that okay uh financial advice if you ask me I think you should spend on the need rather than the want ah


like a there's a difference between the need and want so I I'm a type of person I rather spend on the need if it's yeah I don't go for the want you see you because for me I think one is more towards the luxury side, need is what you need lah to you know to to survive or for your daily needs lah yes yes how about yourself


yes, yeah, okay how do you manage your financial commitments before and after marriage uh this question is I think uh you have to spend wisely lah I mean if it's important then you you get it if not then don't don't go and get it lah I mean


uh, it's a one off tingy lah so uh, try not to spend try not uh okay plan a budget so it try not to exceed the budget lah


okay in a post COVID world what changes are you making in terms of saving uh post COVID world ah okay uh I think I like what I mentioned earlier I spend more on the need than the want


so uh I try not to go out much so and then uh buy uh those uh luxury goods or luxury items all ah or, spend on uh unnecessary stuff yes so in this way I also try uh can save money ah for example uh another way is uh what you call that if ah if


instead of going to the shop expanding hundred dollars the same products can be bought online for maybe twenty or thirty dollars so try to shop online, this can uh save money just you just need to search lah just be disciplined and just wait for the right time online uh and you can get a perfect deal lah yeah


okay


part three negative experience, what pet peeve or what annoys you most, oh okay what annoys me is uh disrespect ah towards uh elders


don't really like uh youngsters uh you know uh especially uh when when the elder start talking to them these youngsters will use their phone like they they never pay attention to what the elders uh actually telling them to do


so I find this this part of hello disrespectful uh annoys me the most lah, yeah yourself (uh huh) ah yeah okay


okay more like emotional bully


understand understand okay okay recall a scene from a movie that made you cry in sadness okay recall a, movie okay if for me means uh that that movie ah the


law abiding citizen where gerard butler's wife would be raped in front of him and his kids I mean it's his daughter that was really very sad cause ah that yeah it's it's yeah because gerard butler was in tears and crying and it was very sad lah at that moment lah like he he's there but he can't do anything to salvage the situation


to help his wife or anything so yeah that made me cry lah that that scene, yes yes,


to be okay uh okay next question describe what you did


okay you uh currently right like what you mentioned earlier I don't really uh like these younger generation people to be always on their phone, you see eh, especially when you know when dinner time and all that they are still on the phone and uh especially when elders talking to them they are still on the phone I don't know actually what they are doing with the phone so I think they should pay start to learn pay pay attention especially when there are crossing the road also they are using the phone


which is very dangerous, there could be knocked down by the car because of uh there's no attention you see so anything can happen so they are not aware of all these potential dangers okay so I think that if they really need to use the phone please move to aside and just stand still and use your phone then after you can start walking


yeah and it's the thing that I really don't like about the younger generation always in their phone yeah


(uh huh), uh <B>


ah understand


yeah, okay okay yeah quite agree yes uh although they see their mindset is always speaks lah cannot cannot do anything to help uh advice them also later they take it very negatively


yeah okay your next uh okay, ah was in india uh food poisoning, yes uh thank god it was just the last day so just imagine


my the that that the whole day india was having diarrhea morning it started so night was flying back to singapore so all the way in the flight also was having diarrhea then when I came back singapore still continue then I went to hospital


yeah and uh severe food, poisoning ah yes


I went to try some exotic dish lah so end up that, !wah! I never forget that that experience in my life because thank god lah it was just the last day but the !wah! I was like in toilet most of the time it's terrible dehydrated I while I I my uh you know I was like when I land in singapore first thing I just rushed hospital then I was there observation ward and uh after that was discharged lah


severe food poisoning yes yes how about yourself


yeah oh my god, !whoa!


okay


understand understand okay uh, uh okay this time I feel that nothing, uh this one is in my office ah yeah standard lah you know when


your your boss, prediction might be different and he does not, want to understand under what circumstances is the he's, er am I doing my job so I'm with a like a lot of restriction and then he expect me to do a good job but without his support and management support and how to how I mean how to do how to produce a good result


so I was like this period of time whatever I do is like nothing good enough they always think that they are better uh you know like uh it can be improve it can be improve but they are not they are not like sharing uh telling us what can be improved and how can you be improved, you you get that get you get the picture yeah so I just felt at that moment of time is like okay lah whatever I do is not good enough for you all then then you all try to help me lah me give me some constructive feedback and all that they all


they just they will just tell you no it's not good enough then when ask and I asked them for reasons they said uh you should know it by yourself and you will be like, my team also very like you know ah no solution you will just making things worse we should we should be helping each other what, yeah so at that moment I I felt lah nothing whatever I do is not is not good enough lah


(mmhmm),


I understand I understand !wah! that's bad that's bad that's sad, okay, describe embarrassing moment


embarrassing moments is yeah I have a few but the one that is most memorable is uh, where you know uh, I supposed to have a I I mean I had a presentation uh supposed to present a deck of slide


it's uh but uh on the day of the representation right uh, when it's my turn to present actually uh a wrong set of uh, slides were actually, uh


was there lah okay so it's the wrong set so yeah, not I already prepared I already prepared and submit to the person who is coordinating this meeting but I don't know what happened in between it the it was a different deck of slides there, so


yeah so I I I also don't know how to present this slides so when I , it then the person who who actually uh, how to say like the person who's actually coordinating everything right he keep saying that no it's uh I'm the one who you know sending the wrong slides and all that so it was a bit of you know hoo ha there it was a bit embarrassing lah the moment instead of finding solution to settle this issue they were like uh


blaming, me and all that so it's very embarrassing ah you know in front of your bosses when you're shouting, they're shouting at you and all that so in front of bosses that maybe very embarrassed ah so there wasn't like uh


no one was trying to you know like uh try to come out with proper yeah they just at oh it's your fault your fault keep blaming and whereas at very embarrassing ah yeah, I felt yeah yeah yeah yeah yes


okay go to the next question there's more lah, traumatic incident okay for myself uh traumatic incident is going for operation on my knee, I was very traumatized cause the next four five next four months uh I was learning how to walk


without clutches so just imagine for four months I was with clutches or some clutches and uh it was very difficult, uh can't do anything or, can't do anything like uh for example even if I want to go toilet also my mum got to help me out


yeah and especially when I see my my friends are playing soccer and it was it was very traumatic for me lah cause I cannot play soccer I'm I was still on clutches and expects and need someone to help me out, yeah so I was very traumatized by by that that uh incident that happen mah the surgery on my knee


yeah, changed my life yourself,


I understand, it's like a phobia lah


okay lost in life is uh losing my pet, puppy due to sickness lah


yeah so, very uh sad because the puppy you was just here for a short time and suddenly sick and yeah the vet says uh you know cannot be saved was very sad for all of us


then uh the the thing passed away lah actually yeah died lah so uh, it was very painful lah at that moment of time but as I always say time heals all wounds so until now we we're not keeping any puppy


yeah so, that that's how we are dealing lah but we don't want it to be replaced lah, yeah yeah yeah how about yourself


understand okay next question understand oh hope with you you have deal that uh the loss


yeah yeah recovered lah I mean yeah you have recovered lah from the last yeah, yeah so yeah so, the next one how uh I feel with uh ostracized, yes when we were in australia uh where the where the white uh man the you know those australians they actually uh


ostracize us ah they call us names and all that yeah but yeah racism so we just uh avoided lah, we just avoid and uh we don't give them the attention we just walked away


even in the classes also we were there for an attachment so some of them also like they uh ostracized us lah never really uh talk to us and uh you know they really unapproachable also


always calling us names from the back and all that so we just uh avoid that we pretend we never hear yeah that's the part I felt ostracized lah, together with my friends yeah they will call us all kind of funny names, yeah yeah yeah


and because we are from singapore and multiracial so yeah, so it's very different getting call names and all that, yeah yeah you


okay, okay yeah okay then okay lah ah that one you lah


okay uh myself is uh discuss me is a someone who's hungry and uh they need food, then they approach you then they see whether can help them buy food uh then you damn rejecting this group of people lah


eh you get it so this uh like a old man he's uh poor and you know just just he just needs to eat then he asked up uh passerby can you help me buy food I'm not you know I mean yeah, so if the person by yes very good lah but if the person never buy and give then instead insult him right


is he insult him or insult him or yeah, so that one that attitude actually disgust me yeah yeah very disgusting yes okay ah next


greatest fear is definitely death lah, yes because you have so much to achieve and suddenly you know, uh god has other plans so yeah so I that's one of my fear lah death and losing your your loved ones also


part two positive experience, okay for myself I always enjoy uh seeing a kid I mean as uh uh a


a kid smiling so whenever I see a kids smile I will automatically smile lah cause it's like very genuine very, yeah it's a it's just very cute lah


uh, uh, eh okay which


okay uh the next one, okay the sacrifices you meet that move everything okay for myself is uh uh sacrificed means is definitely my when I did my degree program it was a lot of sacrifice because I was doing it on a part time scale while I was working fulltime so


I for four four years I like cannot couldn't meet my friends uh have to always prepare time for my exams, so sometimes work uh you know it will take uh requires me to work overtime but I got no choice


I after my overtime I still go back to school and uh even I come back home tired at night also I got to study if I never study then I I got to submit projects and all that so all this takes time so I think uh one of the sacrifices that really meet was uh time and another one was money because uh


wasn't cheap, degree program isn't cheap so you have to pay your monthly fees and all that so that also you know money is another part that sacrificed a lot also, yeah


understand, okay the next question describe the best movie TV show okay for myself the best movie I ever watch is the law abiding citizen, uh yes uh I love that movie because it's about the how uh uh father took revenge a father husband who took revenge on uh those uh robbers who robbed him and you know raped his uh wife in front of him


and also yeah it's very sick scene but uh I was very, touched by the things that uh gerard butler will do lah to keep uh yeah he's a very nice guy and all these thing made him a bad ah uh a person who


was seeking revenge so after that he actually he he had he made a lot of uh good plans in the movie no one will actually suspect the he's the one who is committing all the murders, yeah yeah is is fantastic movie lah that's the thing I like ah yeah okay yourself what's the


okay okay interesting okay next, it's okay lah you go first ah


(mmhmm)


okay for myself the three things common with your best friend is uh I think we listen to each other, and uh we will not advise each other uh, immediately


we listen first then when when your when the other person is in a mood to listen to advice then that's where we will come in and we will advise the, the the friend and uh another thing is uh, we both like to go for cycling


yeah so cycling and yeah obvious and then uh the last thing will be uh we both do a lot of charity works yeah yeah so uh we always go to homes and all help out the elders yeah these are the three common things that I have with my best friend lah


you go first lah


that's it okay for myself I always want to go nepal uh mount everest, uh it's it's I uh, just want to just want to uh, I just love the place yeah the climate that that that you know that snow when uh the environment there look so majestic so I really wanna be in nepal it's a place that I really want to visit everet lah so I'm still waiting for the COVID to end once the COVID


ends then maybe vaccine is found then maybe I'll I will try to visit uh nepal hopefully by next year lah, yeah yup yeah thanks man okay next, what are two things


okay I go first ah this one, you go first lah okay okay what are the three things that you are most greatful in life uh okay three things that I'm most grateful in life, first is uh my teacher think uh she never give up on me so


oh you give me a lot of chances which I'm still grateful for if she never give me the chances then I think I won't be here today, uh it's because of those chances that's why I'm here okay and then uh I am also very grateful to my uh uncle because he's the one who brought me up


okay so I always have it uh it's just gratitude lah you know towards him and then the last thing was greatful


helping people when uh helping needy people lah cause when last time when I was very needy I mean I needed money and all that so people also helped me so I'm very grateful yeah like for example my tuition all that uh


my tutor actually give me subsidized price yeah my tutor must be very grateful to my tutor because she she gave us a subsidized spice, so uh at that point of time if she never give that subsidized price and uh, I wouldn't have money to actually pay for the tuition so I also cannot and I uh tuition was also very crucial for my studies ah I really needed tuition yeah so I'm still grateful to her if an and then that's what to now today I am prepaying back lah so it's uh if I have any I mean I also don't charge much


for those students who actually I know they are from uh poor I mean, uh, poor background ah less fortunate yes less fortunate lah yeah subsidized price yes that's why I grateful for yeah yourself


(hmm) (mmhmm)


(mmhmm) <B>


okay okay so


what are three things that you admire about your best friend or partner okay lah I go first lah this one my three things okay uh my the three things ah okay my best friend is always very positive so whenever I give him a a negative I mean negative uh problem ah he will always give me uh positive uh comments


okay he's never negative he's someone who I know is very very very positive and whenever you are with him beside you right you will be a very positive aura, okay I have never see him like negative or you know it's always being positive he will tell you the right things uh he will he will teach you how to look at things from a positive


uh aspect ah okay yeah so his his vision that I I really like okay uh admire lah so another thing is he's very hardworking no matter how tired also he will still uh give hundred percent his work


okay I've never seen him like uh slept, or you know or, the standard is always there lah, yes and the last thing is he's a very handy person you give him any uh anything right he will just repair and he will just create something new he's uh very


creative ah he's very creative person yeah these are the three thing I like yeah you


(mmhmm)


good good describe your favorite activity to unwind and relax, okay uh for myself is I will go to the beach just take a look I mean just enjoy the sea breeze maybe get a beer just sit down there and just relax lah I don't want to think about anything is it yeah you just look at that sea the waves and all that this is very


calm it make you calm and then especially when it sunset, yeah so it will be a nice with your beer and just enjoying the sunset lah sitting down the windy uh seaside yeah yourself


(mmhmm) , yeah yeah correct okay okay


so the next what do you love most about yourself okay you go ahead lah this one tell first ah


(hmm)


ah okay uh what do I love okay I love okay something that I like by myself I mean love of myself is pushing myself uh beyond limits


sometimes where you know you are you know that you are tired and you are you can't even take the next step then I will just mentally motivate myself you have to do it you have to do it you have to do it keep keep reminding my brain, so yeah I like I always like to start whatever I finish eh finish whatever I start okay so I'm motivated lah to finish it at all cost or any cost yeah that's the thing okay uh the next one you go first lah state the time


I uh laugh too hard no I I can't recall also, yeah anything laugh too hard yes okay never mind we go to the next one lah yeah okay


proudest moment okay I go first lah proudest moment in my life definitely getting my degree, yes uh because it's worth every ah all my efforts and sacrifices which I have to make, it was yeah proudest moment and uh especially when your family comes and


you know uh and witness your, your you know your graduating ceremony yeah so that was a really a proud moment for me lah in my life how about yourself


, (mmhmm)


okay good hopefully you will have more proudest moment in the life coming up yeah a;ways you okay what was the


okay lah for me I think uh the best meal I ever had was in KL particularly indian restaurant where at uh you know the full uh indian indian meal lah, you shellout and all that so that's the best till now I cannot find I mean I I have tried various shellout and uh it didn't wasted uh I mean indian meals but never never come to a place where I can compete can compared to these uh placed in KL lah


so yeah so that's the best meal I've ever had spicy and it's just very traditional lah indian dish indian meal lah which I'll never forget in my life yeah how about yourself


(uh huh) just okay, ha, yeah when you do a your housework then your mum come and tell you did a good job ah there there's you had appriciated from my hard work lah


oh, okay


part one finance, hello hi okay yeah


okay yeah uh I do have a personal uh insurance uh insured under great eastern, yeah so yeah as in like he's been uh family, insurers for very long so I I just follow up with him lah he's doing most of my insurance


it's uh stuff and all that so I just let him handle lah yeah how about yourself


oh okay okay, okay okay okay, uh do you have an endowment plan if you if you have share the details and your experience with the policy if not why do you choose not to have any endowment plan okay you go ahead


(uh huh)


oh okay okay okay for myself I don't have yet but I'm intending to have one for my kid, so we are still working out the sum with my wife and just see how it how how much to invest for just just for only for my kid yeah that's all yeah so let's move on the third one what percentage of your income do you


spend on insurance and how much coverage you are getting from your insurance okay


okay okay okay I get it, okay cool cool cool yeah for myself yeah I I have uh two I mean uh can say yeah five percent also but there are two insurance I just remembered my company is also