that time when I gave birth was like the bill I I cover everything with medisave so it's like ah it's quite it's useful if not I have to fork out cash is that oh when I look at the bills it's like oh, ya, yes that's right so is really helpful


so if let's say you are interested to buy insurance would you do it by yourself or do you will actually approach an agent to do it


that's my thought as well so if if let's say I were to do it myself I think it will take it will very time consuming there are so many companies so many policies so what do I need I don't even know so I'm not in the best position to do this so that's why I think we should I will engage a insurance agent then they will recommend me what are the things I need what


are the good products, and then they will probably have to help me to compare, uh the different policies because I I know of uh a relative he , he was in a company who represent a lot of different insurance company so he will what he will do is he will gather information from three different policies than he will give me the best recommendation and then he will just tell me what the differences and then which is the best one he will recommend me


then after that I'll just choose I think that is better because ultimately the charges is still mine I just let him do his job then after that I decide after knowing all the information ya so I think agent are really very important because they are the one who knows the best


yes well, when I when I buy an insurance, oh okay the first one is very important you must


choose the agent who serve you okay because the agent is very important because he will be with you throughout the whole thing if let's say he's someone that you feel that is


a good agent that you want then after that of course you look at the premium how whether is affordable then uh what are the coverage what kind of illnesses is being covered uh some of them is like like my premier lady it covers the female illnesses


and also it's uh covers like the pregnancy complication so I think I think that's why that's why I got for go for the premier ladies because they cover female complication uh female illnesses and then also the pregnancy because you know we as lady we will give birth


if we are married someday if we are lucky we will give birth lah so I feel that uh being covered, for uh those pregnancy complication is very important because they have those uh #spina bifida# then they have the uh stillbirth then they have the down syndrome all these covered so if let's say there is anything there will be payout


yup then, uh another thing I think is the also the policy duration how long they will cover you so these are some of the stuff that you will have to look into when you want to buy uh an insurance policy lah these these are mine, thought lah


do you feel that as uh a good advice, , ah


you do that ha


it is very true ya that's that's why the, I met an agent he was like eh help me lah this is my first deal then I was like


I pity him then I buy but after that then three months later I would said okay bye , , I just because it's not something I just buy it oh pity for him then after that I feel eh why should I buy oh I don't I don't need that you knows ah okay then I just lapse it so so I think the agent himself is very important because


ultimately he must be someone, who knows what I need and recommend something I need so I will continue to buy from the thing and not just give up half a year, okay no we are not young right, so what do you think ah some of the insurance that we should really buy


I think one more uh insurance that you can look for is the personal accident insurance because uh you know , in life, anything can happen so


uh when I first know about uh personal accident is through a friend she was telling me oh uh I always got uh accident I will sprain my ankle over this he said every year I claim from my personal accident I was like oh okay then after that I was, then I started to talk to my


when that was like oh that's that's very useful , and I bought personal accident for my son, which is really, really very useful because he when he was young he really got, he once fell from the bed and then he cut his forehead and we have to go and stitch it so after that that we claim from there and then after that he has uh


a few other accidents which is we claimed also from there so is is like the claim is just the hospital bill lah but at least you don't have to pay for it and it already cover whatever that you pay for for the accident so uh the the plan itself so I think is essential for ourselves and also if let's say we have little ones at


home, this this is something that we have to consider lah personal accident insurance, so would you buy (mmhmm), ,


eh you're very lucky then very very careful ya , yes, so would you buy from just a single provider or would you, consider, if you want to buy insurance ah would you want to go around shop shop shop or you just just one company will do


I will buy from different different company okay because even though you have a point there one one agent is good but I'll for me what I want is the plan itself, what, kind of uh I want to get the, best plan, the kind of the best plan the best feature everything so I I don't mind whichever company


it is so long as they can offer me the best deal the best, uh coverage then I will just go for it ya so I think that's the thing ya, have you ever own a car before, or anything would you do you think you want to get


ah ya I I'll I once oh uh ya, well I was on a car, so I bought first party insurance so I think I would it would okay if if you my advise is if you own a car and you feel that you're driving is of course sometimes is not up to us lah is up to those to other drivers but it's best if you can afford buy first party insurance


because if you buy third party, that means if you bang someone, you have to pay for your own fault for that


for me when I bought the car I bought first party insurance which is very lucky because, at that time my dad he drove my car and is not really partly his fault lah because the the taxi


two cars in front of him suddenly stopped, and, he bang into the car in front of him, so because of the first party insurance, uh, all the repair costs it's been covered so I don't have to worry about that and he was safe as well lah so if you have a car I think you should consider first party insurance if you have if if you can afford if not then of course third party lah


of, cause even though I've never used it before ah but is a piece of mind because like the okay this is I've never use it before but let me share an experience with you whereby someone I know


has ever use this travel insurance so he was posted overseas to work, okay, so and he had a accident at at that time when he was overseas, because he has this travel insurance they actually chartered a plane to bring him back to singapore


so it was a private plane uh with uh doctors and nurses to attend to him while he was on the plane then he then came back to singapore so that plane alone it was over, ten over thousand, so if let's say you is it ten over thousand or more than that I I can't remember but it was very expensive so if let's say we were to we we don't have this insurance to cover then we have to fork out this kind of money to charter a plane I don't think it's possible then he will probably have to stay overseas to


whatever medical thing is that he have to so it's very important to buy travel insurance is very cheap uh it's it's just it's very cheap really so it all depends on what features you want, but, just for a few you know hundred over dollars you can have


peace of mind it so it's worth it lah just just buy, okay and oh ya, , but having children right I I I have a kid right I tell you the premier lady so I think that already cover, my need for, for having children insurance part


ya okay ah by the way if you, it earn it earlier I share about insurance agent right so if let's say you are looking for a an insurance agent what would you look for


is true is true yes is because some agent they just want to make that commission right then they just push it to you so I think what you mentioned is is really uh very important, but look for someone who is trustworthy okay


negative experiences, okay , do you want to describe a time when you feel trap


, I see okay, for me there was a time when I was in a job that I really dislike


but I cannot quit because I was bonded by contract so in that job whenever I walk away with my phone, they will think that I'm going away to make a phone call so if let's say I were to go and collect some document from another department and I might stay out for awhile they will think that I'm trying to be lazy


so in this kind of environment it feels very negative I feel that !wow!, whatever I do they doubt me you know so it's it's very is really a torture because, I am not, talking on the phone I'm not trying to be lazy there I'm just walking away and it's just a habit to take my phone with me so


yeah, uh I even have my my manager even talk to me and ask me are you talking on the phone I notice that you are walking away with your phone so I have to clarify that I'm not doing that I I feel that !wow! this is really bad they they don't even have that kind of basic trust in me


while I'm in the job, so it was a very difficult time and I have to drag myself to work every day ya that was when I really feel trapped because I can't exit from that kind of situation so


, somebody told me that I'm behaving very childish and very naive so it's like oh oh come on I'm I'm already old and you feel that whatever that I do is naive I am, not that


naive I I'm already have, uh, is don't know whatever that I'm doing so ya, I I feel is hurtful that he really doubt me that kind of stuff


okay that that is very hurting, ya okay, (hmm) what what about, the, uh have you ever witnessed anything that is a a scene that is really very sad to you


yes that that can be very sad also because I also have witnessed something like that, so but that is not what I I've the saddest things I've I've actually witness is actually in a video it actually was a video on a human killing those dolphins so what they do is they will actually chase


those poor dolphins into an enclosed area and then after that they will just butcher those dolphin so the blood was the sea was all covered with blood, so I really feel that that is very sad how can humans, uh do this kind of thing to harmless creatures like that so it's really a very very sad thing


ya, those those those poor dolphins were like , crying out in pain so it's uh really, ya very very sad, I, I think it's not just in japan there was a few places also I I think japan was one of them then there was another place also whereby they will do this kind of mass killing


ever feel that uh a time whereby you feel that, uh, there is nothing that you do is good enough


like like you I also often feel that I'm not good enough, uh, sometimes in the when I was young my parents used to, , other people are doing so well they are in the top three how come you are getting this kind of result


so !wah! I feel really really like !wah! I'm really so bad I can't even compared to other people, this is like err this is a time whereby I feel that I'm not good enough and also uh sometimes there was a time whereby I was working so I have, uh


much junior, ex colleague , this is my boss was like giving her a lot more attention a lot more guidance and a lot more opportunity, so I was like eh, I'm actually much better than her I'm doing a lot more than her


how come your are paying so much attention to her giving her so much experience I mean exposure and stuff so I really feel that !wah!, I'm really must be something that I'm not doing enough and I'm not good enough itself, ya so these are the time when I feel that I'm not good enough so


well this kind of feeling do come once in a while so, , sometimes I feel that, I have certain things that I'll I wanted to, I want just want to find someone who, can, understand what I feel deep inside but I when I look at through my friend list I feel that


uh these, these are not the people that I can talk to, and


have you ever experience that


so we is is actually just our own selves that's thinking that way they do care about us a lot it's just that , somewhere inside us is a negative feeling and negative thought that tell us that !hey! they uh they don't care about you, and ya, so it's actually quite dangerous we just have to


, shut the voice down and just go on, so what do you often worry about


for me I also have similar worry because you know I have a young little one so and I'm not that young okay so if there's sometimes when I have a little pain here and there, I'll feel very worried am I healthy is something happening to me am I having a heart attack so I will


worry about this kind of tiny tiny things that, uh, might not really be something to worry about and I often worry that if, I if I passed away what will happen to my little one who will take care of him ya, do I have enough to live for him


because I will feel that nobody will love him as much as I love him, ya, so that's why I will worry about


this, saddest moment was when my grandma passed away so I was the one who discover that ya so it was really really sad


oh, okay I I can understand that yes


, the thing that I wish that I I wish that I actually, when my grandma was alive I I wish that if I could go back to change I wish that


I would have I've spend, more time with her to get to know what her life is how, , what kind of person she really is what are her likes and dislike what she has gone through and stuff so, even though I did spend time with her but I feel that is really not enough so these are the thing that I really wish I will have the chance to change but it's not possible anymore


yes yes I understand that


so uh about I'm I'm sure we have lost people in our life so, the the the saddest point is also my grandma because that was when my grandma passed away I was the one who discover it so I was on my way to work I woke up very early in the morning because we have this three days training again so when I is is a routine everyday I will walk into my


my, grandma's room I will look at her, make sure she is breathing you know that's that's what I always do I will look at her, and, so this then this morning when I went in I find that she is very still there is no sound, no nothing so I shout oh my


so I shook her her leg, still nothing I shook harder and still nothing then that's when I were I I just called my mom and I really cannot believe that she has passed away just my mind just went blank and, I was like !huh!, I just run in from one room to another and I I really don't know what to do at that time


ya so at that point of time, uh I pretend that I'm, very strong and, okay with everything so I just look like I'm very calm there's nothing wrong but every time when I'm showering I will hide inside I will just cry, yeah so there was a time when


how I deal with the losses I just cried to myself because I I don't want there was this saying that you don't cry in front of, uh, the person who passed away because they will not be able to go away in peace so that's, why, I always hide in the shower to cry silently


so is there a time when uh you uh have a, loss in your life and how do you deal with it


because I always also remember my grandma , and, but most of the time is about good things ah I always remember her, a, her smile and her stuff ya, so what are the things that make you stress what what do you feel stressful about


I can't see anything is all black, , so what do you feel stressed about, true okay


for me will be uh relationship with my, family members then, uh of course money is always an issue, then uh housing ya, so uh I'm also always


worried about, the COVID nineteen whether because we are my son is still going to school we will have to worry about whether, we are uh at, at a danger of that because we have meeting all the other kids and stuff so these are some of the things that is very stressful


, we always have to make sure that we are very clean and stuff ya, the most traumatic experience that incident that I ever experience is


, when I discovered that my retina detached, okay uh, uh at first initially I was like, uh reading then I feel that, how, come the words are like wavy so I went for a check up


and uh, I just went to those normal optical shop and they just checked and say oh this is ah then I feel that okay let's go for another uh more professional kind of, uh you know check so I asked to go for a


professional check then after that, they came back and say that oh you're retina detached you have to be warded today tomorrow must go for operation I was like !whoa!, what, today I have to be warded I was like oh shit why why why why , what is happening what is happening am I going to become blind there was really a


very traumatic kind of experience it was really very very scary, ya what about yourself


that's so scary oh my god you must, , okay, I I will never forget if also if let's say that happened to me, okay, so uh what do you think is the biggest thing that is holding you back from your goal


(mmhmm)


, true I also agree I think the biggest thing that's holding me back is myself because I, , because of my fear maybe a few of fail I'm afraid of is I fear failure okay if let's say there is any setback


I will, find excuses to I'll say okay this is not working this is not right I'm I'm just this not suitable for me so these are actually what is holding is myself that's holding back I don't have this, confidence I uh feel that I don't have the experience I'm not good enough and stuff ya so is is actually myself okay


yes I think is my marriage because uh when I got married I might before when was dating my husband was very nice to me


and , so he will always, ask for my advice, and he will listen to what I say and stuff so I felt that eh okay this man is not that bad at least we can communicate and he understand what I say so is, I've probably have met the person the right person to marry so after marriage I discovered that is not the case uh he is


not what he seemed when he was dating, so when when ask he will say !hey! when we're dating whenever I say something you will say oh yes yes yes you will say that's correct, then he said oh that's because I do not understand what you were saying then I just, agree without knowing what you are talking about


I was like, oh my god so that means, oh, this totally what, I'm, this is not what I expect you know so I, chosen probably chosen the wrong, man to marry ya so this is really when, not what I expect lah marriage


(mm) (mm)


positive experiences, okay what , okay let me just share with you uh


one one moment whereby the things turned out to be better than expected uh I have a boyfriend of seven years okay so he suddenly went missing and he just dump me so I I thought that I would be


really really sad that I can't go on with life but, then, I I was wrong so after he left me it of course it took awhile for me to get up but, after that, I find that life without him is so much happier, because I don't have to worry about I don't have to care about his, temper his tantrum his mood all this kind of stuff and


and ya so, really being dump is not the worst thing in life


!wow!


really good !wow! next time must bring me okay ,


very lucky ya so what what is the nicest thing that someone's ever told you before, okay the nicest thing I think one of the most memorable thing ah of course I have a lot of memorable thing but this one I think I really like it as said to me by my ex manager so that happens when I tender my resignation so he told me how can I work efficiently now that you have


tender, so I I was like !wah! I'm so touched that means whatever that I work I do for him all the my hard work, is really being appreciated just from this sentence I feel that okay it's really, very very very touching I I know that he really appreciate what I did because whenever he


we are like a two man show not really two man because we have different department so he is in charge of a new project he will always fly overseas then I'll always handle the local stuff for him so he whenever he fly he can have, no worries he just know that he has to handle whatever is overseas then locally I will handle for him so he can just fly and just handle whatever and he don't have to worry about the local


so when I tender he was like !wah! like that how I you are you are no longer here with me then I have to train somebody again and I can't really uh you know flies without any worry ya so I really really very appreciate whatever he said lah that's all ah ya


!wah! that's very nice ya it is good to meet nice people sometimes it really warms your heart, yeah, ya , oh the happiest moment was when I deliver my my baby


uh , yes yes yes yes because uh I was uh when advanced maternal, age so it was a advanced maternal age pregnancy I was, really really old when I got married uh marriage uh


then, after that I was very lucky to be pregnant the following year so, I was really really lucky to have a healthy baby and it took twenty seven hours to give birth to him, so yes, it was reward but I was I was very happy when he came out healthy and


ya and I see him was like !ow! that was the happiest moment in my life


that's good yes when little ones really can change your life when they come into you yes


ya, so I believe you have you have also travel right, so, ya doesn't matter every travel will bring us some memories what are your most memorable experiences when you travel


oh can you next week , ah is so it's such a coincidence my most memorable travels, experience also in hong kong so uh what happens was after uh my grandma passed away so the following new year we can't go relative visiting right so we decided to go for a travel whole family travel so we travelled during chinese new year


we went to hong kong then uh on chinese new year eve they have this street parade so we went to see was like uh never see what is the chinese new year eve is like in other countries so we talk okay let's go and take a look


so we didn't expect that it will be so crowded the whole street this side and opposite side is so crowded then when we walk into the crowd, out, we find that oh my god we are being sandwich we can't move forward we can't move backward and the people behind is pushing and the people in front is not moving so we're really really being squashed until I can I'm almost sticking to the person in front of me and that at the bad moment


I was really really very scared because I was like oh shit what if we, one of us fainted, you know we can't move out we can't move forward we can't move backward we can't move anywhere if someone, is one of us fainted we will drop onto the floor and the person behind is keep pushing because they are far far far behind me and they keep pushing so that means we will be stampede oh my god I was like so scared leh I tell my mom eh mummy this is terrible you know uh if let's say we one of us really fainted


then we can't get out you know so they they feel that eh is right you know you're right you're right so we try to squeeze our way towards the side and then when we have the next exit we just get out and we just say okay luckily nothing happen so this is really really very scary because when we never expect the crowd to be that terrible


so it's a very memorable one we just stand outside and watch instead of being involved in the crowd, ya so there was uh there was a lucky thing lah we have no nobody is hurt, that was my most memorable travel, ha


so I'm sure that we have uh always received compliment from people right, so what are the one that is that you feel is the oddest, or the most unique


that's very nice yes ya, somebody told me that you are child at heart even at this age so I would like to think that


I would I would think that you what you trying to say is that uh even though I'm not young I always I'm always a child at heart whereby I'm always curious about the things that is happening in this world and I always have a love for learning because that's what kids are all about ya so I feel I feel I feel it's a really really nice


, so, what are you thankful for,


I'm also thankful to have a mom she is always here to help me if let's say uh I need to go anywhere she can help me when little one and , there was once when I always rely on her for for advice about, how to bring up my kids how to take care of them or if there's anything that happen to my kid like then she will be able to advise me so I'm very thankful for her she's very supportive she has a lot of advice she's very wise so I'm very thankful to have a good mom and a very supportive family


, when when, I was a kid I I hate to bathe you see then I will I will always pretend to bathe in the in the bathroom I would like take the water I will just splash and play around with the water when I was in the bathroom so after that now that I grew up uh


I love to bathe you know I can once sometimes I need I will bathe two three times a day because the day is so hot right, I everyday fall in love with bathing I I need I can't stand when I'm very sticky ya


I see I see, this this at least not that bad I guess , , you get to taste more stuff ya, , the best birthday present that I


have ever receive was the result of a blood test, okay that was when I was, uh pregnant, okay uh because I I mention that I was of uh advanced maternal age and, I am at a high risk for having down syndrome kids so they do this blood test to determine the risk of uh my whether my child is a down syndrome kid or not so I was really worry for a few months then I was like after that uh when the blood test came back which is


around my birthday the, test came out is that the risk is very low so I don't have to go and do the MU test, so I was like !wow! this is the best present a healthy baby, ya so that that were my


that's right that's the best birthday present


okay


, uh this very good tell when are you going to cook some for me , , , okay I will wait for it


thank you so what do you think is your biggest blessing in disguise


okay there is a lot of blessing in disguise but I think my the biggest is really the when


, my boyfriend of seven years he went missing because he was having an affair you know I I wasn't aware aware of it just like after seven years then he is having an affair so , that was when the best when he went missing because if I were to marry him I think it'll be a tragedy so I'll I think I'm really grateful that he ditched me instead of I left him because I couldn't make myself to leave him at that time


so it's it's a good thing that he is the one, who go ya chocolate whenever, I feel down


yes, because chocolate they have something in them that will make you feel happy, so so I think I think this is the best food it will make you feel happy I don't know what is it I I, forgot but, they have something in there that whenever you feel down you just, eat chocolate and you will feel happy


what is the most trendy drink now, , [orh] bubble tea, bubble tea will get fat


I think it's the sugar the sugar makes you feel happy, ya, it could be as the sugar is like it makes you feel happy, when you have sweet stuff okay, so you should you should cut down


, no no no because sugar will make you have wrinkles, so what do you love most about yourself


err I would say I love my personality the best uh because I am very uh, , bubbly very friendly and very positive so a lot of times I can talk to, people even though I don't know them I can, go up to them and talk to them


uh even for a few sentences so I think uh this is what I like I am a very, friendly person who can be you throw me at anywhere I can still survive that kind of person so I think ya, this is what I like my by myself


so I'm sure in life you will have, uh we will meet a lot of people right so who is the one that you look up to the most, yes I can understand that


for me I will uh the person I look up to most is still is my mom, she is not highly educated, uh so she also, has a very very tough uh, childhood, okay so but then she did of course she although even though she's not highly educated she did her best to bring us up she teach us how to be a good person so I think uh her teaching is very important in actually prevent me from going astray and to become what I am today


yes ah of course, okay uh one thing that came to mind is err cause I used to be in the training industry so we will always conduct training so there is this


uh we we once conducted a three days life training so it's very tiring because we have to be in the office about seven then we end, quite late uh the session end at six then after that sometimes they will drag a bit then we will always go home about seven plus eight plus so that is like a


twelve hours count day job work so after three days of such day uh such work my boss is like he knows that we are very tired so he gave us one day off he said okay uh stay home and rest well so I feel that !wow! even though we work so hard he really appreciate our hard work so he give us that kind of


of so I'm really appreciative of that, ya what about, yourself


!wow! that's nice very nice, yes okay, how would you describe your perfect day what do you think will will be a perfect day to you


okay


do you want me to stop now


financial related topic


ah


okay, for now because I'm still a student so uh actually after I graduated from secondary school I went to open like uh OCBC on FRANK account which is like a credit or debit card


, so that I can at least like keep my money there and there is some interest so that it can at least help me increase, , my money a little bit , ya but after uh, a few months I realize that I'm spending too much money then I actually went to open another OCBC account but it's the monthly saving account so that I can put more money inside tried and tried to avoid


getting money out of there so that I can try to save more money how about you selez


ya so do you actually own the OCBC FRANK card also like actually


is it like considered a credit card, oh, for mine I can act as a credit card also


so, ya I I was thinking if like you think that we should own a credit card or not like actually


to ya I agree to the part that because we might not be able to manage like, , our finance well but I mean because I own a ah credit card or debit card which is, which I understand because I very I'm actually spending quite a lot of money but at the same time I feel like, it's a lot more convenient because now since the technology is like very


like advanced and like everywhere can just use like credit card or like, and it ya that that's why it's very convenient and, which is why I feel like if you can manage your finance then you should just go for it and just get a credit card, ya


ya be more conscious of it right, , so


oh actually other than these I actually sign up for uh Prudential Flexicash , long term savings plan, , last year, and it was like, I think I stop myself to actually sign for that but then uh


because the person actually what the person said was quite true because, , when the money is in our bank we just keep spending it but then if okay so the plan works whereby it's like it deduct, via GIRO from my account, from my account, every month which is about hundred dollars so


I feel like I have very less money in my bank but actually that money is like used to save up, , for future use and it I have to keep in there for fifteen years but definitely throughout I can if I have like if I need to pay for school or like any like, , so valid reason


then I think the person I think the scheme allows me to draw some money out so I think it's also not a bad plan because, , it helps me to be more cautious of saving money like from young a younger age


ya but because we're not really working much now that's why I think


ya, I think CPF contribution it has good and bad because, I know a part of your the money like it'll be used for like MediSave so if you don't touch the money eventually you can't use it but I feel like it's also a good platform for people who don't really save money that much to it because it's like a compulsory thing that you have to


, you know like provide like once you start working so, is like, the government helps you to , save money that you need to use for your housing or like, , any other use like the you the more you like the one that you will need


in singapore so that they can have you deduct housing money and it's not so, I mean it it can deduct like I think it's monthly like every month right, ya and then like, uh, ya so I think it's a good platform for people who don't really save up because it this is a thing that forces them to like keep money aside


ya then since we're on this topic also have you heard of the FIRE uh financial independence retire early, plan


if I'm not wrong I think it's a another additional scheme that, , save up to seventy percent of your annual income so that, people can retire earlier than the retirement age but I feel like this scheme is only suitable if the thirty percent of your annual income can


allow you to like pay for your like essentials or your service that you need because once you go for this you can't really, get the money uh because I think there will be some consequences, if you take it out so you might lose money


ya but in case of emergency I think it might be really hard because they don't really have like money with them currently right, ya


ya, uh I would say firstly you must know how much you owe the debt and then you plan how long you want to be paying to the debt so like for example you owe like ten thousand dollars then you want to pay within two years then you just divide and I feel like maybe they should try paying on a monthly basis and they must keep track of how much they need to pay and like really just put aside the money so that they can get out of the debt eventually after two years so that they must really work hard for the two years to commit to like how much they must pay monthly under the concept that I feel that it will help them like just really planning wisely in order to get out of your debt like at a specific time period that you want


ya actually I actually agreed to that because actually when I first started having my own bank account I there was once that my bank account only left ten dollars and I wanted to transfer more than ten dollars then that was when I realised that like, there was not like I spend so much money because like last time we always use cash back in secondary school right then suddenly now we change to like online banking ya then it it doesn't feel like there's a sense of like


money ya ya then oh I was I then did realize that oh my god you should really like I should, , plan, instead of like just keep spending I must always keep track of how much I'm spending, ya


ya, OCBC also has this ya has this thing actually but I don't really like see it but I think it's a good thing to do to start looking at it ya


I would say I'm not someone who is very obsessive in like branded goods but I spent a lot more like daily essentials but one part that I feel like I'm spending too much I'm spending too much on it's actually when I go out with my friends like when we go cafes and easily you can just spend like forty dollars per session then then imagine if we actually like go cafe hopping for a


quite a few times in a month then you add up to actually quite a huge amount and I realize that I'm spending too much money just on that maybe I can try to cut down on it, how about you


ya, get it


avoid, ya especially now like in this COVID period because previously during circuit breaker like my dad is actually like a sub contractor so he wasn't under the essential services then they couldn't they couldn't operate and most of his workers are actually foreign workers and they're actually like quarantined in the dormitory as you have heard right ya and and uh because of that then we didn't have income for like the past few months and due to that I didn't really ask also for allowance than there was when I realized that I cannot really spend as much as the previous months before like COVID nineteen and yeah I did I did tried to like reduce uh my spending a little bit just to like I save my bank in some ways because to prevents my money from dropping too much on because I'm not getting any allowance and I'm also not


, working right now, how about you


ya I realize that there's a difference like during circuit breaker and post circuit breaker because during circuit breaker I feel like we tend to spend more money online and we do online shopping because we don't go out right, but once we go out then it's like we start spending spending money like with our friends when we go out and


ya,


ya I I agree, oh, so


actually now I'm still not getting allowance because like right now they just started working then I also didn't go and ask lah like my parents and then because now because due to circuit breaker our our school also it's like home based learning so actually I think I can still sustain for awhile and maybe I'll try to find part time jobs during semester break


to like you know counter, ya, so, do you know much about income tax do you have any like advice you want to like give someone in order to reduce their income tax


oh actually, , uh oh I, I actually I heard of this but I'm not very sure so basically if you make donations to drives such as Food from the Heart I think my my dad did a donation previously and if you donate more than fifty dollars I think they will help you reduce


, like your ya income tax but I think is two point five like, times the amount that you donate so that you can pay lesser so at the same time I felt is like, you benefits ah because you at the same time you're doing like a good deed but, , at the same time you also can like reduce your income tax I think that was quite interesting


like addition ya, ya donations, but, , I think the supplementary retire scheme can help to reduce but it's only advisable for people who spent ah who's earned more than forty thousand annually because it will be seven per cent of the income tax but if they put their money there then can they can reduce I think up to fifty percent of their income tax if they actually put their money there and only take out when they retire so it'll help them like you know reduce their income tax because if you earn more than forty thousand your


, your income, like your you have to pay like seven percent of income tax which is quite a huge amount I would say


ya, it really depends on what you want [ah] what do you plan to want in life, ya


negative experiences, so, , okay


, I would, I would say that, I, there was this time that okay because like my my mum actually like constantly want me to go like this certain, , event, ya event thing ya like it's related to ya some things then but because like


I didn't want to disappoint her then I just keep going for the like event but, I know that I don't really want to go and I feel very trapped by it because like, , at first it was supposed to be like all of our family like members like go to that


, uh that, event thing that is actually constantly that would occur and have a lot in in like in in life I guess like it's just like a religious thing but ya but because slowly like my my dad and my brother like just straight up like


say that they do not want, to like go like this, thing then I feel like I feel bad because like there's only my mom that's going and she definitely want us to go so I kind of just keep forcing myself to like go to the like religious thing but I know I don't want but I feel very like stuck in between and I don't know what to do and I'm currently still


like this now but, but I don't know how I can actually really get out of this, situation because it's not what I what I want but at the same time I don't want to disappoint so that's what I feel like very trapped and then I feel like it's something that I I can only help myself because I must be more decisive and just say no but at the same time I feel bad that's why I feel that I'm very stuck in between so how about you selez do you have any instances like this


ya we're both


ya I guess we both just are are just going for the sake of going because we need to but we just can't do anything about it because we don't want to but we have to go ya that kind of instances


ya, ya, it is it's still ongoing


ya I guess I did, try to tell her previously but because of the COVID thing lah everything is paused right but before COVID I actually told her but, but then it was like, actual actually they don't really understand my stand but I really took it took me so long to actually like open up and just tell her even though I feel bad because I feel like it was really suffocating but I guess everything is on a pause now due to COVID nineteen so I guess it's


uh it's just it's constantly still there but at least not so serious like at this period of time but I think you I'll feel this way again when like after COVID ends and I have to resume going to the like religious events or those, ya, so, other than this like are there other things that make you stressed


ya, ya


ya I really agreed before you say actually like, , it because I feel like everywhere we go is just very competitive so you always feel like you're not good enough, , like, because there are so much more people that are actually better than you then you feel like you cannot really reach what you want to reach and it's just very stressful especially now that you know we as youngsters always browse through social media it's like


two ways it's good that you can see that uh people like, how are people living but sometime because of how good they are living you it makes you feel stressed because like, , it makes me feel stressed actually because, they are living so well and maybe at the younger age compared to me they're actually really so successful with their lives and I feel I just it just make me feel stressed and I should like really improve on myself likes it's a reminder but


at the same time you also like keep telling I have a lot of negative thoughts of like oh I'm not good enough and I should like you know just really try my best to be better but at the same time that what you said it's like sometimes no matter how hard you try if I'm not really good at it as this aspect you will not be as good but maybe they might be improvements but it might not be as good as what you see like how other people is achieving like the things that people achieved


right, ya


ya, I guess is all the expectations like from for ourselves and from other people that make us like make us really stress, from all this like external factors ya


I, to me it was quite, the most traumatic incident because, it was when I was younger so when I was younger actually I was out with my uh aunt and her family and I still remember it quite clearly right now because I was because last time durings at in some clothing store there will be some play area for kids and I think because they were quite busy like shopping for their clothes and and I was just playing there because I was still like I think about three to four years old


and I think, after a while I think they left the shop without me because I I don't know for what reason but after that I realise that I I was lost and I was just wondering around and I really thought like I I'm gonna get lost and like you know like I because last time when we were younger like our the adults always ask if you were get lost like must be careful lah if not like some people adopt adopt you like kidnap you or something like that then and I was I was like it was very traumatic because like it lasted for like the entire day and until


night, at night then they actually manage to find me and it was actually quite scary because at that time point of time I was so young so I really didn't know what to do and I was really just like in the mall and I think there was just ya there was this lady that was kind enough to like bring me to the control station in oh like you know to broadcast about like


like the missing child so that my family can actually find me ya do you have any traumatic incident


, ya give you attention is it


just leave it


, ya


, what was the saddest moment of your life


my saddest moment I also would say secondary school but it's more towards actually it it was more towards like upper sec because, yes I was really stressed about volleyball because like you know our school is like very competitive in terms of the sports because we are known to be like a school that would redo that will like always win in competitions that's why I was really lacking behind them and I was really stressed about it but I was I'm there was a period of time in upper sec that was actually very sad because


I didn't really I didn't get to the team that can like go to B B division which is the competition and at the same time I was very sad because I'm I was very self conscious I guess at that age we are just like, put more prone to be like very cautious about yourself and I really had like really bad acne outbreaks as you know actually like it was all over my cheeks and my forehead and to it was bad to that extent that there was a way that I've done that everytime I go to school people will actually like ask me or teacher would then teach then that there was this teacher that like asked in front of the whole class which made me felt like real bad about myself because I was I was already so cautious about it and they like emphasized the fact that you know I have really bad acne and I I cannot control it because like acne it's just like it just it just happens so like suddenly and uh I was already so sad like by by so many things in my life that was happening at the time like everything all like hit me hard at once so to me that was like really like my saddest moment because I also had to deal with like


O levels at that period of time and I really couldn't focus then I feel like very sad and stress and very depressed at that time like, I remember like because there was the peak period when my acne was super bad like it was really all red and all over my face that and because of this it actually prevents me from wanting to go to school actually because everytime


at night I will I will just like you know maybe suddenly cry like I just feel so sad about it that I can't do anything else and on top of it like I'm not doing well in terms of my academic at that period of time and school, and like like really just like, like I cannot expect anyone to help me because it's like my own problem and at the same time it just like occur at the same time as I said previously than it's like


it's like everything one shot will be like you will feel so like negative I I felt so negative actually at that period of time because, I I just don't know what to do also like I did try a lot of methods to help myself and I keep telling myself like oh it's gonna be okay but, at the back of my head I know I'm very very sad over it and


I and at that period of time I I just I really couldn't up till now I also cannot look back to my photos back then because the I remember that we took graduation like photo like the last year of school like our classmate want to took photo with us like so I I just have no choice although I really didn't want to take but I feel like I might regret not taking but at the same time I regret taking because like


Once I look back I feel so bad about it because like legit my acne was like really affecting me too much because there's people who didn't like have this problem might not understand but once you go through any you will realize that it's actually something that would really affect you a lot if you actually really care a lot about it and if you don't like because it's so visible as on your face so


I guess like when you like especially when I like contact with my friends like come to contact I I I just have the pressure and like I just feel very like scared because I feel like, they are, they are actually , but, staring at my face instead of like you know looking to my eyes and at that period of time I was just really sad


ya, so, it was okay


ya it was, ya, , yes, ya


positive experiences, so , is there a moment when things turn out better than expected for you selez


ya, ya, I also have something similar but is actually a piano ABRSM like grade eight exam that I took I think one to two years ago because, , previously I was quite busy with school so I didn't really focus much on piano and I only left like with two months actually before the exam so I decided to go for a find another


(ppc) another teacher about it, uh like to like check on my skills if I'm ready for the exam or not and I personally can tell that I'm not very ready but with what she said it really hit me because I realize that , it I really need to like practice hard for last two months in order to like just pass the exam so I think I did try to


practice hard but maybe not to the extent that super hard enough but after I take the exam and I got my results I was I actually quite shocked because I thought I was just passed but actually got like the merit grade even though it wasn't like a distinction I feel like it was already better than pass and I was quite okay with the grade actually so it was actually better than what I expected


ya, uh, I would say, the happiest moment, it's not of the happiest moment but it's just like a bit of time that I was actually quite happy with my life because


, my life was quite going quite smoothly like I wasn't really facing with any like problems and school was doing okay and and then I also have like uh, it was just like a period of time that you know I I was just really having a very balanced life like have time with for my friends and family and at the same time I can manage what


I want to to me that's happiness because, I don't really have much worries like at above my mind at that period of time so yah it's quite big but that's how I felt at that point of time how about you, ya nauseous


ya I also really really miss , secondary school days actually ya


ya, school based


ya, I also feel like there's a more sense of belonging back in secondary school day, actually what is one happy like I mean one comfort food that, you can rely to always on because we might not always be happy all the time right so what is the food that made you like it's like comfort food actually


sweet treats


, I really really liked sweet treats as you know and but I think one would be chocolate because chocolates really quite sweet so and it's like it's just convenient because like you can just


get it from the fridge if you have like at home so it's not like you have to, like purposely go some shop and buy and it's just very accessible I guess to get the food and it's like I guess the sugar rush would kind of help you have to kind of, feel better like or maybe if you were feeling like very depressed like


like, because of certain things that happen like at a previous moment it will like help you, like you know you just feel better at least better than just now ya


ya, I would say I don't know if this is counted but I actually really hate being likes young like at that period of time when I was a kid actually because I feel like when we are young we cannot really do a lot of things we can't really like go out like like are more more restricted because our parents like limit us to things and you feel like studying is like ya so bored of studying and you want I want to work like like actually during that period of time but now that I'm I mean I'm not like like I'm already eighteen now and it's not too old yet but I I can feel like


old now I really I'm starting to feel old now and I feel like, I actually want to go back being a kid because as a kid we have like lesser worries like we worry about like things that are not so serious but I think as we age like like what you always tell me like, as we age we will have like a lot more problems and like life might not always be easy but we just have to like deal with it and that's why I miss like


that's why like, I like be like I that's why I like, like to be a kid now like actually but I can't really go back to those days lah, yeah, ya


yeah, so like do you have any like big what's your bag uh biggest blessing in disguise do you have any


uh, actually mine is not uh uh to me it make a big difference okay so actually like


previously I was I joined volleyball in secondary school right and actually when I was in primary school I was actually like really super quiet and I feel like after joining volleyball although I didn't didn't really achieve much like in terms of like, the skills and like you know like contributing to the team like in terms of the sports but I really learned a lot I bet I I learned a lot through the hardships that I face in volleyball because


like I guess I be I can I learned to be like you know have more perseverance with like and pulled through hard times better and also because of volleyball like as I said I was like quite quiet like I I feel like I open up to people like way more than how I was in primary school which I was I'm really really happy to join volleyball because I I guess it really changed how my secondary school life it's because I believe without volleyball


I will still be just that quiet girl and I I don't like myself being like that and I guess C my CCA like volleyball actually really helped me a lot in terms of this aspect which I think is a like blessing in disguise,


ya, ya


(mmhmm)


ya harry said that like you are much happier like once, you joined student council right like actually because of the experience you have in there, ya


, so, like, okay, oh I think I ya I actually have one quite memorable travelling experiences I it was also back in secondary school again actually the overseas ya overseas service learning trips like ya so my class went to cambodia #siem reap# ya if I'm not wrong like how to pronounce that word but ya so


like that place was actually less developed as compared to singapore so it was like quite wide uh eye opening for me because that was my first time actually was my first time travelling like out of singapore except other than malaysia actually and, being my first trip and I I can I see the differences of a more developed and a less developed countries and the way cambodians live there's so different from us like their schools actually just have like one level and it's like not as good as us let me feel realize that how privileged we are and I feel like it's very memorable because


I because there they can still like you know live but then we here we are always like complaining about things and it it just makes me feel like to like reflect on myself and I find it very memorable also because like, of the things that we did together as a class like teaching the


the kids there and also like creating like very like fond memories and it's something that we're actually really look back, and it was really a enjoyable trip, like ya


ya


, the difference, ya same same


ya I


ya like to them like big spiders like they even keep lizard as pet actually like I did I was quite shocked with their culture, a norm right, ya , ya and the first night I also I couldn't sleep [loh] because like the like we was living like on some floor and there was like mosquito net but then because the mosquito mosquito net you can see through it then you can see like maybe baby beetle the next day you wake up but you don't know it was inside the mosquito net of where you are sleeping or like out actually outside of it so you feel very scared to actually sleep and the ya ya ya


, ya


but it was a really interesting, ya, so do you have like


uh like what is the nicest thing someone has ever told you,


ya, ya, ya


, can feel it


ya like the I feel I also have the same thought as you like, like when once they tell me things like this I'll feel like I actually mean more than what I think like I mean to them like you you get what I mean like like I mean more than what I expect myself to actually mean to them ya


ya that's really nice


oh oh okay okay, ya start already


so so like, someone ask and then, we just ask, do we have to answer all the questions


oh, oh okay so uh maybe I'll ask #wei ern# first so how do you, plan to invest your money to accumulate wealth, or for retirement


for me I would uh, yeah, I think I would, do uh similar steps to you because for me right I also not very like sure about what are the difference like a car or different like is


err, scheme that I can choose for so, I would probably like ask my mom for advice because usually she's the one that helps me to like , uh like do my stuff for now as in like, putting the money in the bank and all but I think in the future I would also open like a separate account like probably for me I would use like POSB or like DBS so that because these are the like the account that


that is the bank account that I'm using for now so, I probably put in money over there and like, uh invest, my money inside like a bank account that has high interest rate, so that ya I can get more money


back ya in the future, uh no I owned the, I owned the POSB one is like a similar is a similar


I think it does similar thing to the OCBC FRANK card I guess, uh no mine is a debit card is like uh it can be used like currently the one I have can be used for like NETS and payWave


how about yours is that the same, oh so oh okay I see, to me at, at our age right now and like eighteen I don't think it's necessary to own a credit card because like we also not working yet so


credit card is I mean as what my mom said lah it's like kind of dangerous because credit card is like you pay pre pre like you before, like you pay upfront even if you like don't have the money it's like you pay it first right after that then you settle the money so I think that's kind of like dangerous for us because we are still quite young so we might not know how to like


plan or like save money property ah properly so if we have a credit card I think, it's quite dangerous because, a lot of times like youngsters like us we tend to like spend a lot of money without thinking then if we have a credit card right then it will result in like that so like


uh money like spending a lot of excessive money then like uh we need to like ask our parents only find our own ways to like, uh return the money back which is like causing more problems for us oh so I feel that credit card should only be like


uh used ah like in the future like when we have a job and like we know how to control our spendings how about you


ya I guess also one of the ways is that if you have a credit card now you like force yourself to like, a plan and like try to like save money because you know that oh It's a credit card so like you have to, like be more mindful of your spending


oh I think that is is similar to like the CPF scheme just that we cannot really have like the CPF because like CPF also works the similar way like take out the money from like a certain like amount then put inside somewhere right, then, ya


ya so I think this like works for you now at least like you got a like a safe safe bank money, to like in case like you need you you really need money to use for education or something you can use the money, so like uh since you are like on the topic of like CPF right what are your thoughts of like CPF contribution


ya I also I also agree with you like most people would think like it's good but I think, , uh like some time ago I think I see on some forum like people were like saying like some people like do not really like CPF I guess because like, like it really like force them to take out like uh like like an amount of money ah so that they cannot use the amount of money so some people think that like


they want to use that money but like they cannot because like they can only use it for certain thing so I guess, some people like as what I read ah like they say they feel like, which cheated because like, , they actually have more amount of money but just that a bit like


some of the amount some of the money have to be like put in CPF which is like, restrict them oh so that they cannot really use, like all the money but I guess it's also good lah because like, is good for them especially in the future when they want to retire or what this CPF money is like


can really help them, ya in the future, I'm heard I heard of it but like I don't really know


uh the details of it so uh do you do you know the details of it


uh ya okay I think this scheme is quite good but I think ya as what you said it's kind of risk risky because like they take out seventy percent which is really quite a huge huge amount, so like you only left with thirty percent so like for those that for those people who are like working and their income or salary is not very high I think this will not be very good for them because


uh they can only take out thirty per cent of like their salary or something then like if they they do not have enough money within the thirty percent to like, feed their family or spend on basic necessities I think, this is quite like a scary or like a risky thing to do but I mean like for those that are already like


doing quite well financially I think they can go for this leh because it also like, forces or like in a way help them to save money or like, ya or like to prevent them from spending too much money


oh ya in in that kind of way than yes ya like emergency if they need like cash or something at the point of time, okay so like example like they emergency and then like, they like owe people money so what advice would you give to someone to like get the person out of debt


ya sure I think like uh like planning wisely is really very important because like, after a lot of times because my mom works in a bank so like she always like complain or like tell me like youngsters or like our generation right or maybe slightly older like they would like open an account lah I think then they will like


uh tend to like that that money that they open right it's like the the bank that they open I think they can like, just take out as much money as they want so like a lot of times they like, over overspent or like something along those line I'm not very sure but it's something like


they stay they spend or take out more than necessary so like end up they're they're like in debt then like the parents have to like pay for them or like go to the bank to pay for them so, I guess really a lot boils down to like planning


their financial like more wisely oh, ya


digital, ah, because you can't see the physical cash


ya for me I guess if I like really want to like keep track right you know like I not sure for uh OCBC but for my POSB app right there's this like uh like area of segment where like we can see how much we spend per month and then we can also see like how much like what we spend on like it's like in a circle format then you can see like how much you spend also like I can compare with my previous months to see like oh like did I spent a lot of money like along those lines so that I know that uh if like example this month I exit like one K of spending then like okay I'll tell myself okay next next month cannot spend ya think ya that is one way to like


keep track, of financial, yes, okay then , so how do you usually spend your money do then like


ya how do you usually spend your money


ya I think I think maybe most like younger generation like us like spend around like for the same thing lah because I also spend like on cafe and like I think mainly I would say I spend on food, because like, I mean food is like something like a basic necessity like everytime I would go out I'll eat but just that at certain times when I go out with my friends or what I will like spend more money on food because like maybe the food is like more towards a higher end like cafe or like maybe like restaurants and bars so that would like


caused like me to spend more money than usual and this is like the part that I am, uh pretty bad at like usually when I go out to eat right like I would I would still spend the money because is food so like I cannot really restrict the part you know to like not spend a lot of money on there because like if I go out with my friend they want to eat that then I also have to go eat that what then


uh if they spend that amount of money I also had to spend that amount of money so like it's very hard to like, uh control on that part like especially food, of spending like excessive amount of money, ya


ya ya same I mean okay for me is a bit different like uh my parents okay my mum I ask you ah still working during the circuit breaker period because like she's part of the essential service but just that uh same like you ah like I don't get allowance but I mean that's fine because during circuit breaker I didn't go out at all so it's it's okay not to get allowance but like uh ever since the circuit breaker is lifted I think like


I try to spend lesser in terms of like material material wise like I don't spend a lot and like, shopping anymore like clothing and all like especially on in retail stores because usually retail stores are more expensive so if I really want to shop for clothes or like ya anything material or wise related I would I think like go for another alternatives such as like online such as Shopee and ezbuy because like the stuff there are cheaper so I think if I really want to spend on something along those lines I will like go for a cheaper option to like save more money


ya, ya


there are like food and all ya, just that uh for me is that my like shopping online still remains the same like I still shop on Shopee and ezbuy right now even though like retail shops are open but just that is adding on like, all the food and some that are still my friend which is like definitely I will spend more


after circuit breaker which is like now ah but I'll still try my best like, uh reduce in any possible ways oh because I I do get allowance now but it's not as like, it's not as much as like previous like before like the COVID thing happen


ya, how about you like like do you still get the same amount of like allowance, oh, oh


same same same I also uh plan to find like part time jobs ya same, I'm not quite sure


what is income tax, maybe you can answer this question first


income tax, ya


oh so is it like, donation and, along those lines, that can help them to reduce income tax is there any other ways though besides like doing donations


oh I see I see okay I think all these schemes are like not bad but I think it varies from individual to individual so like certain like things only like applicable for like those with higher end incomes and those those with like lower ends I guess so, I think it varies for individuals so like


I mean like it means that not everyone can like apply for like example the supplementary retirement scheme and like not everyone, , will like go for the FIRA thing I guess, ya


(mm) this one must plan ahead, yeah, ya, okay


okay so uh okay let me ask you the question first okay, so, is there anytime that like you felt trapped or helpless


please ah


, , ya for me I have but I mean for you is like still ongoing right but for me like gladly is over already ah so like for me is like so like in poly right there was this thing called like team so like team team is like


how to say it's like, a group of like fifteen people or like eighteen people get together, and like, basically we have we have to plan for like a lot of events and also like, there will be a lot of time spent together like it's a high commitment team kind of thing


so like uh there will, there'll be a lot of time that we have to spend our time together also, like how to say like bond like other other than doing like other things like uh doing for like official matters we also have to like, spend time to bond with each other


and like somehow, I think personally for me I don't really feel very close to my team members it's not that they are like not good or what but just that you know certain people you can't you cannot really click with so like everytime I go for like team, team event or like team preparation right I feel like very you know like I don't feel very good like I just feel like I want to go home everytime but this like team thing like I cannot just say I quit means I want to quit you know like


how to say it's like a nine month journey and I no matter what I have to go through the nine months journey and like, I would say it was honestly really tough for me like because, uh not only that is high commitment but because I don't really enjoy my time being spent in a team because like uh as I said


I wasn't like really close to them or like uh any any level like either emotionally or something that's why like that made me feel that a lot of time that I want to go that I have to go for a team, preparation or team event I'll feel like very, like very Sian in a way like as in like very tired and I I don't feel like I don't feel like going for it


and then there're during that point of time I really felt I'm very trapped or helpless because, like, I can only like vent my like not to say anger lah but like vent my sadness or something to like my friends outside of my team I cannot tell anyone in my team that like !wah! I feel like this because you know it's kind of it's kind of bad a a as you said lah as a similar thing like because


like how how to tell them that I I feel like oh I don't feel like coming for team stuff you know, and then like, like is is not say I can just say quit I I can just quit and like just disappear for like and not come for the preparation and all because after it's a commitment and like I feel a sense of responsibility to go


so, no choice oh so like I managed to like go through the whole nine months process, but like ya that period of time was really tough for me because I have to manage it, uh with my schoolwork also, ya


ya that that that's why we felt trapped or helpless because we really cannot do anything about it you know, ya, if you know like for me ah like I tried to like, try to open up more I try to like talk more to my team mate but so hopefully it'll change my mind of like not being like not wanting to go for like


uh preparation and stuff but I don't know eh at somehow it didn't work for me because, , I guess I just cannot really like get close to them like like even though I tried my best but I like I cannot force like a friendship will happen you know that kind of thing, so


ya lor eventually I still, felt like kind of like helpless all the way but for me I'm glad it's over, but ya for you uh my I can only tell you to like ya you just, have to be decisive I guess and like think of what you want and like if you really don't want to go for it just like


one day the future just like tell your mom or something


, stress ah, oh honestly a lot a lot of thing makes me stress I guess like for me is like, uh I think I think that's what everyone is feeling nowadays ah like definitely I stressed about my studies


then I also stressed about like social skills like social, about how to say relating about talking to people and like my friends and all, ya and I also stressed about like my character wise and personality like a lot of times, uh it's like maybe I scared that


that like how to say like my personality or what like isn't very good ya like I portray like a bad impressions to like my friends or like people knew, and then these are like these are okay maybe, I mean I have a lot of things to share about but I guess like these are like my current main three things that I like often think about because like right now it's just that since since you are still young right so like


uh mainly I just like stressed about like studies oh and also like my uh social skills I guess because like, I think this this like two like two things right play like a very big part in like my current life right now because


definitely study stress because like, like everyone wants to wants to do well lah in their life so that everyone wants to like study hard and get good good grade but like that's not like we, I mean I'm not sure for everyone but for me it's like, even though certain times I tried to like study for like a certain test but like


I still don't do as well as like, what I expected or I don't do as well as as others like sometime I see other people like, they don't really study as much as me but like somehow they are able to get like better grades, and that's kind of like stressing you know like because like


you see them like doing so well but like you still no matter what like, as hard as you try like you cannot really you know be like their standard or like even like better, and like how like I always stay back you know there are always people better than you out there


and like that that's kind of like the one thing that like stressed out me it's like not that I want to compare but it's like it's just out there lor you know, like uh a lot of times you want to be like good at this but like you see other people and like you know that they are like, for sure people out there that are better than you


ya, so


ya I agree that social media is like a very like, okay in a sense that it's kind of toxic ah you know even though that there might be like positive and good things about social media but like certain times like social media is is also rather toxic like because they like, you really change the minds of like youngsters like us because we always use social media so like then a lot of times also like when we go on social media and we see people better than us we also feel like inferior about ourselves


you know ya and then like we feel inferior like it's also the same like you feel insecure then like I guess that's, what's also like add source to the stress you know like you feel I mean once you feel bad about certain things like it's also stresses you to like


wanting to be better even though like, you know like it's hard because like you see people up there already and then like you are still here ya that kind of feeling


, then like , do you okay so do you have like a most traumatic incident that you happened in your life, if you have any


, ya for me I also have and mine also like happen in like when I was like younger like back in like when I was like I think, like in primary school or something so like uh back in those days right like uh my uncle, okay not my uncle like my grand uncle which is my grandmother's brother right like he he lived with us so like my family of four like me my brother then my father and my mother and like him


but like , I think I guess like how to say like there was this one incident like one period of time where like, my great uncle and like my mum like keep quarrelling or something like I think they have like different opinions or something but like, during that time it was like really scary for me because I was really young and like they were legit like really probably like they will outright like screaming at at each other and some more it was it happened like at my own house ah then like a lot of times like


I mean they really quarrel until like it's very you know like very it gets very like angered, for for both for both of them ya can feel the tension and I I really don't know what to do because I was really young so I don't know what am am I supposed to like stop it or like am I supposed to like, uh like I go to my mom and like say something or what so like I can only like sit one side and like hear them quarreling from like


inside like the inside the room but gladly I remember got one period like got one time and like my grandpa was there ah so like he tried to like stop the quarrel quarreling, and like honestly, uh even now I I mean I really don't know who whose fault was it back in those days


and like they really quarrel so much until like I think they quarrel a few times some more it's like not only once it's like a few it's like it lasted over like a week or so, and then like they always quarrel until like it gets very heated and like my mum would cry so like during that time I really like


you know I really don't know what to do ah like I felt I felt lost at but at the same time it was also a really scary for me because both of them are like my relative like one is my mother one is my uncle lah in a sense, then like, and I was really young so I really don't know what to do I can only sit I can only sit there and like


hear them quarreling which is which is very scary because, you know when we hear people quarreling very loudly it's like it's quite scary ah, so ya I guess that was one of the traumatic experience in my life because like one of them is my mother which is very close to me, and like


ya lor like seeing them like, like sad and angry is also like not very good for me because, like , they are as as I said they are like, one of my closest kin so like obviously I don't want them to like quarrel quarrel, or like you know get sad and angry with each other ya


then , saddest moment of my life oh I would say like it was during you know just now I mentioned that like after volleyball like I thought like I will feel very left out right because of the sport class thing I guess uh that would be like my saddest moment in my life because that was like a period in sec two so you know because I quit volleyball in sec one but like our sports class was like uh sec one and sec two thing so like in sec two right I like is oh it lasted for a really long period of time because


in sec two, like everyone already had their own clique like you know volleyball basketball and also like uh track and field then like people like our classmate was already very divided you know according to like their sports they're in so like a lot of times like I don't know who to hang out with like you know in recess or like something so I felt like


very left out then when I see like you you all like all the other sports people like they are having fun like you know I cannot bring myself to have fun also because I know like, in a sense I not included inside and I don't feel very like I belong inside also you know so then during that period of time really felt very like


sad [loh] because, as as what I say oh like I felt like very left out and lonely, then like a after a lot of times like I don't feel like coming to school because, it it's not very fun for me and like I don't really have any like one that I can talk to about this


ya that would be like one of my saddest moment in my life but I mean as I said lah like I glad that, student council came in along the way so like it kind of help me to like overcome that stage in my life, how about you


ya I mean I guess like, how to say ah like secondary school was like bittersweet for us like even though like, okay ah maybe for me ah like even though I have sad moments but I feel like overall, uh secondary school was still a very like a memorable thing that I will look back on like it's very comforting if I think about secondary school you know


ya even though ya it was less like sad moments lah like for you is like about maybe like insecurity, that along those lines right and for me it's like about like, uh friendship and like being left out like like social skills, ya, but then like I think that


even though like we all had our sad moment in secondary school I still feel like, [oh] like our secondary school time was like still quite enjoyable right like overall [ah] like overall it's still quite enjoyable


yeah


uh yeah I mean like okay my my moments are quite like general but I guess that uh one moment that, uh I feel that thing turns out uh turn out better than expected would be like , the point like there's there's this one situation I I remember where like


so okay I study pretty hard for like a particular exam but then when I do the paper like I feel that I didn't do very well (ppc) like a lot of times, after I do like a certain paper in exam I can roughly know like whether I do it well or like badly so like uh for that particular paper I think it was in secondary school I'm pretty sure it was three or sec four for like one of the math paper I guess then like when I do the paper right I feel like


a lot of questions I was unsure like I know how to do but I was unsure so that so after I, uh passed the, paper to my teacher and the whole exam ended I thought like, oh I would do like very very badly because I'm unsure of my answers and like the whole


process of like me doing the paper wasn't like very good, but then like uh eventually when I got back my paper for that uh particular math exam I actually did like better than expected and I think that like that feeling was like, very you you know it's very nice feeling it's like you thought you will do worse but then when you when you see your paper and turns out like your grade like


it's like better than expected you feel like a sense of relief and also you feel like eh like actually I do quite good ya I kind of ya I think that is one of the moment, ya how about you though


okay so , what would what what would you like describe your happiest moment in life


ya it's like no stress right for you, okay uh for me is like uh there's there's this specific time lah so for me it was during like uh sec four, like before so you know right before O level right there's this like one period of time where like


we we didn't really had lessons because we like uh the teacher teach finished the lesson already so like basically we go school is to like revise, and like uh maybe like consult so like I don't know why but during that during that point of time I really bonded with like, my classmates and also like I really form


a really really close friendships with like uh, with my friends in sec four which I am still friends with them now, and then during that period of time I really made a lot of like fond memories, especially in sec four lor so like , I guess that would be like the happiest moment in my life because


like it was like very unexpected like it it happened during a time where like everyone should be stress for O levels but instead like there was a time where like , I felt super happy like everytime I go to school during that period of time I felt I'm very happy like, because when I go to school I look forward to like meeting my friends and like hanging out with them and also study with them


like during that period of time really made me feel that like, even though that was O levels stress like but the happiness somehow like you know like lifted or like overcome my mindset of like the O level stress so like ya like, it helped me a lot [loh] like during that period because


it helped me to like, combat or like overcome my stress for O levels because of like my friends and stuff then like uh I found out that that was the happiest moment of my life is like because once I came to poly I find that I find myself missing a lot of those times like secondary school especially sec four ah then uh that was the time when I realize oh I like really miss secondary school and like my friends and like how the environment is


so I guess I would describe like especially sec four like that would be my happiest moment of my life, ya, secondary school, I guess like secondary school and poly is like really different because secondary school environment is like we have a class a classroom okay even though now you still have but it's like you know it's different right secondary school classroom is like more


how to say ah ya school based it's like more like bonded as a class because like you spend time with them like literally almost like for every single lesson but in poly is like you different lesson you maybe go to different places or like got different module so like more people come in or like some people go out


then like you cannot really bond, ya, ya


honestly I don't really have fun but I guess I would say like uh desserts in general like probably like ice cream or like bubble tea like along those line of like cold drinks or cold, uh sweet uh sweet food like ya


this kind of food because I guess , how to say ah like, they give me like a refreshing feel because it's like cold and like , ya sweet also sweet and cold then also like , it makes me feel like more refreshed I guess and it's like not a very heavy food like in a way that it's not like a full meal you know


so like I can like just eat it and like, I mean it will be like I think I can eat it in a very fast so like because they just like very lighthearted food in a way how about you what would your comfort food be


ya true I think mine mine is the stages that maybe you like bubble tea ah like ice cream because like okay for me for me is like a bit hard because I have to like go out and like find the food but like, uh when I crave for bubble tea and like when I'm feeling down I would crave for bubble tea so like the moment like I buy bubble tea drink like I'll feel better like I do it's like a magic food or something but like ya it's that kind of feeling oh like you feel like happy happy a bit you know because of the


food, okay then, , so , what do you hate as a kid but you love as an adult now


okay ya I like I mean I share the exact same thoughts as you because we always talk about this, , but like but like ya [loh] like I just, I think as a kid everyone like wants to like grow up and like quickly become a adult because like we think like back in those days like damn cool like adult can have more control and more power


but then like little did we know like once we like as we grew older we like, like rather be a kid instead because like as you said lah like adult really has like more problems and more, things to deal with, which is like, adding onto the stress oh that we have


ya, yes,


I don't really have, okay I can't really think of a biggest though how how about you, because


oh okay after yesterday I can't remember about my okay so my it's like slightly different from you because uh we were both in volleyball but like uh I quit volleyball in like the end of sec one and then instead I joined student council, ya and then I feel that like student council really like


helped me a lot lor like at first, I was actually quite depressed okay like I wanted to quit volleyball but like I was, quite sad when I quit volleyball because like as you know we were in a sports sports class so like sport class means like people like our classmate was already divided to like a certain kind of sport then I wasn't in any at the point of time so like I feel kind of left out


and then I guess like, council like joining the student council someone help me to like, like how to say like carry on or like, uh be more positive in life because like student council was a way for me to like you know hang out with friends from other classes and also like students council really give me a lot of opportunities to same as you like uh stand up uh stand up for myself and also like speak up and be more vocal because like uh student council we have like a lot of camps


uh uh we have a lot of camps and then these camps are like, training us to like, have like our own opinions and also like to think under stress, like we have to, like when the teacher or like our our senior ask us a question we have to like answer immediately on the spot under like the stress of like many eyes


and other than that I also have a lot of, other opportunities to like speak out in like uh ways such as MCing, like uh my teacher gave me like a chance to like MC for certain events in school, and I guess, all these like things really like made my secondary school life more fulfilling even though at the start I really thought that like after volleyball I just like


would like live my lives like very sadly or like more lonely because like uh I didn't really have any friends like in like lower sec days because of those sport class thing but then ya lor turns out that the student council really helped me to get through that stage at the end like from then on like I also make more friends and then like


my upper sec life became better yes, ya, there are also that and like a friends and like also like building on my character and like making like allowing myself to be more confident


okay let me ask you okay do you have any of a memorable travel experiences


is it OSL trip, , okay


okay I guess I would say like the same thing but just that uh maybe I'll add on like those part that like uh slightly different from you so like uh I also went on the O OSL trip which is the overseas learning trip but I went to vietnam instead, and okay like the living conditions was quite the same but I guess like the memories we made are like different so like for me right is like we get to for the girls we get to sleep with like


we get to sleep in the room of four but like I think that like the living condition there was like uh quite dirty so like I remember the first night there was like a huge spider in our room that it was so big that like some more it's like all it's like all girls over there so like I mean as you know girls ah we quite scared lah so we just scream you know but then uh I remember that spider was like just right behind like one of my friend like because we are sitting like in our own bed so there's like four beds then like the spider was like just like very near one of my one of my friend so the moment we see it we just scream ah and then the the spider was so big then we didn't know what to do so luckily like the person like the owner of that whole entire like


okay I don't know is it a village or like a what but like uh he came and helped us to like chase the spider way, so I guess that was one of like the most ah one of the experiences and like uh other other than that it's like quite the same as you like we did a lot of activities that we can bond together as a class and also like it was memorable because like we went like on a four days three night so like the first two days we stay at the village which is like the rundown and not very like


like uh it's not the best like living condition place to sleep lah then the last day we went to hotel I remember the moment I went to hotel right like I really feel like !wah!, it's like suddenly damn good you know because like the the living conditions really like uh very different and then like the food we eat also like slightly upgraded to like restaurant kind of food


you know then like that that day that I slept at the hotel !wah! I really sleep really really well because like I guess the past two days sleeping at the village and like doing activities was like very tiring for me so like like the transition was very huge and I can really feel the transition like from like a very


rundown like dirty place like a better environment which will makes me like think that oh like really like, people people can actually live in those environment and like I feel the difference like I can like physically feel the difference that they have like ya the different environment really makes a lot of different


so ya that also one would one will be one of my, most memorable travel experience, ya I think to them is like all these thing is like common they like live together with them or something you know


oh okay okay I get what you mean ya my one my one also like the first time I also scared to sleep but it's because like , like my bed was like facing a window and then window like cannot really close you know so I just scared outside got something ya


there are that that made me feel like kind of like scared to sleep I guess but, I mean that that all this experience are like what made it as uh interesting oh as what you say and and what made it like more memorable and for us like appreciate more like what we have in singapore


I guess mine is like not like exactly the nicest but like in general like, when people say that they are like thankful for me or like you know like during like birthday right then like people would or like my friends will send like long birthday texts and like say how like


they appreciate their okay ya thankful for me and like uh they like say about like the memories and the small little things I did for them I think all these are like what made me feel like oh like I feel nice ah and I feel comforted when people feel that way like


, like usually people don't usually express this kind of thing you know on a daily basis but once they like uh say that is like, it just felt very very nice oh even though it's just like, a word of thank you you know but like, when you know that you when you know that they are the they are the ones that appreciate you right like you feel


that , like you feel that, like you are being appreciated oh which is a very nice feeling, ya


ya, ya so I guess that's what is nice yes


part one financial related topic


ya <P2>vivian</P2> you want to start first about the , at the moment I I don't have any personal insurance from for my own coverage I only have the medishield ya and also the DBS uh insurance that I bought you know for major illness


over the bank ya only this uh uh this insurance, how about you, ah okay so you you bought from uh from young is it or you know when you start working or what


okay do you have personal accident uh insurance like personal accident insurance, [orh] (mmhmm)


I I also bought the personal uh accident insurance plan when I'm am doing my own business like uh like ten years ago you know because as a self employee ~yer I thought that I don't have major insurance you know in hand so


personal accident insurance is quite important to me ah, ya so that's the minimum insurance I thought I should have you know and, I bought from uh AIA


ya AIA, ya then the other insurance that I always buy is when I travel is a must to have is uh NTUC uh travel insurance that coverage uh cover my per trip ya if I don't travel more than twice uh three times


a year I will buy per trip lah then if I travel more than four times and one of the trip will go outside of asia then I buy a one year you know one year uh coverage you know which is more uh saving ah ya


ya how about you , ya true


I I actually start with endowment plan my earlier younger years lah you know ya ya when I started to work but unfortunately uh I also surrounded with uh insurance agency uh and personnel but uh a very close friend of ours a few of us uh got


the money uh taken away by the agent ya that means we pay the agent the agent did not service our policy so it became a very bad experience uh that was like twenty odd years ago lah you know so so


ya ya we we paid for a few months or you know for long long while but uh, is a personal friend so a few of us are affected ya so unfortunately you know it happens and then after that I of this bad experience actually one or two of my friends including myself


uh did not follow up with buying more insurance which is quite useful lah you know it you know you know when uh we need it ya you know ya now especially I'm facing some critical illness ya it's good to have a insurance lor


in hand ya but the importance lah of having a insurance ya, ya so that's why I start buying from the bank itself it's a very low you know they offered insurance plan that cover major major illnesses lah you know ya at a very low rate so I started it uh only recently ya actually


(mmhmm) so I have pre-medical condition so like including my , travel insurance it's not a full coverage it's always like a fifty percent coverage you know or uh on if it occurs on like my my existing condition


ya it does cover for like luggage loss you know and uh accident that happen ya uh the the normal coverage for travel insurance lah but if something to do with my uh existing ya condition then it will be like fifty percent coverage if uh there's medical expenses involved lor


ya ya , for both lah right ya I I also heard I was talking to some friends I also heard that they nowadays they have this cancer


you know cancer specialised insurance that target cancer you know where you can buy uh when when when you have a, actually's a sign of cancer then they will start pay out to to to the policyholder ya I was talking to a friend uh prudential uh she say that uh she say that she bought it from prudential but it's


prudential is not the only one who provide this insurance uh and it's not the lowest but uh somehow she has like a connection with, the prudential agency that serve her you know so she she bought this one and she thought that this is very good for women lah especially we have more conditions you know


and the premium is not that uh high I understand from her per month she only pay fifty dollars, she actually also considering to buy for her children children at a young age buying it uh she told me uh


uh annual fee is only about hundred plus which cover quite a lot if she say that her family has a few history of cancer so, she thought that is good that you know with that amount to cover it cover


two children you know her her two children and her family lor ya have you heard of it, I think it's good to to find out more you know this this uh ya specific insurance lor ya lor


sorry, no I don't I don't ya do you have,


so you have a few insurance that uh also endowment plan right you say that, [orh] okay ya


okay ya , yes ya , yes the medishield is it the medishield ya ya


I I do have that one ya (mmhmm), no I don't have those ya I don't have those so ya have to just


just hope that nothing ya nothing major will happen lor ya (mmhmm) ya , true (mmhmm)


true ya (hmm) ya , there are also other kind of insurance right like do you drive auto insurance like, auto insurance you don't drive right or do you have


[orh] so you will compare across the board lah between a few ya same here same here ya, ya


ya


ya I also have one experience about claim I bought from NTUC because of the the coverage of my uh existing illness not all insurance do do such uh policy you know so I I most of my insurance is from uh NTUC lah for travelling


so while I went uh travel to japan Fukuoka before my plane uh my plane landed before the earthquake ya so so immediately after that I have to fly out


of Fukuoka that is to say that uh I have to find airline, you know I have to get accommodation in Tokyo so actually the insurance that I bought cover all the expenses all the expenses that I need to you know to to do a emergency purchase ya then uh the


the the the hotel hotel stay ya and uh it helps it helps a lot lah and the claim is quite uh, smooth all the documents you know just have to print all the documents and submit lah and