err in my cafe I have a cafe but uh because of the COVID thing I closed down the cafe so she said oh I miss you uh now that uh we are open for dining already uh you are always serving me so uh can I uh buy you a dinner, can I buy you uh private dining because she wants to give me uh good food instead of me serving food to her uh uh the last time lah so she say she want to uh buy me dinner and and I mean I'm I'm


appreciative that she buy me dinner but then she's buying me private dining which is like awesome, ya ya okay, ya I have a cafe uh in lavender err but I I it's it's like


for only two years lah we did it for two years but because recently, we serve a lot of foreigners uh it's inside a budget hotel so we serve breakfast to uh to the foreigners there but because of the COVID thing now there's no no the hotel is only serving quarantine guests so we we we we we didn't continue lah so I just transfer out just uh during the uh phase one ya


no I don't think no I don't think I will go into this business again lah cause it's quite uh tiring the hours are very long


okay you must you must have you must have a passion for food, uh you must have a uh the passion to serve people cause uh I mean there are different type of


people with different taste the same cup of coffee some may say it's good some may say it's not good, you know so you must be able to you know take this kind of comment and of course there are uh very long hours you have to prepare from early you know before people wake up because they are there for breakfast and then until quite long hours lah ya the hours are quite long


ya ya, ya ya you must really have a passion for food because you have to create the food and you have to like it so that the customer will like it right


part one financial related topic


so maybe I'll start, err, #la ning# do you have a saving account


okay that's interesting actually I only have a regular POSB savings account like my dad created one for me and my brother when I was uh ten uh so I'm not sure about autosave accounts maybe you can tell me more


I have a debit card, upgraded to it at eighteen so pretty recent, I think I could apply for one but, I don't see a need to because


, you've to keep up with paying for the credit card and right now I don't actually make, like big purchases like going overseas you know where I need one, so, I think I'm pretty okay with just having a regular debit card


from my knowledge I we can't


my debit card is like the the black one and it's just like a DBS one I'm not sure if it's a special one


uh I guess I'll look into it when I'm older for now I'm like okay with having, ya just that one , okay so some may argue that banks' interest rates are unattractive whereas others may feel that their money is safe and accessible in banks so in light of this do you think you would save your money in the bank or invest it elsewhere


actually I am on the same page as you I'm a low risk person so uh ya I would still choose to save my money in the bank as for investing my money I actually decided to try out this, uh robo investor called Syfe or like S Y F E I'm not sure how you really pronounce it uh just a couple of days ago so it's like you


uh put in like a sum, a sum of money and then over the next few months it'll help you invest, but it's not like I didn't put in a ton of money so I think it's just uh, you know passive way low to earn some low risk as some low risk uh income you know


I I think there is that risk ya, but to me it's uh, err I mean it's been highly spoken about I read a ton of reviews before trying it out and ya so just to see how it goes ah in a few months if I really lose money then I'll just take it as a learning experience


uh they will help me invest it automatically, ya, uh S Y F E Syfe I am I'm just guessing that's how you pronounce


I I just saw an advertisement and then I read up and then I was like okay sounds interesting why not


okay I'm not too sure about that I just, Syfe sounds good to me lah since a lot of people tried it yup


no actually I don't have any I've never had to get a loan from a bank, but maybe in the future


so it's common like whenever someone buys a car to get, a loan and then that's how it


ah okay I learnt something new


good information to know okay do you think couples should combine their finances and


, ya uh, I only can speak from my parents' experience from what I know about joint accounts, I did read up a little but okay so what my parents do is they don't have a joint account but they have like a verbal agreement for who pays for what so for example like


okay my dad earns more so he will pay for the house but then my mum would pay for like the furniture


I've this like fear cause I did read up on like cons and uh cons and pros so, like if the couple you know uh decides to separate then separating the joint account would be messy


ya I think I think that'll be ideal actually like you know there's one joint account and then you actually have two separates for the individuals so you can maintain some independence ya


I guess I'll speak from my experience , I was given an ATM card at fourteen because I saw that all my friends had one and they told me that their parents give them their allowance, through the through transferring to their bank accounts and then they can like withdraw whatever they need so I pitched that to my parents and then so my dad was like okay let's go to the bank so that's how I got it


but I think the age the, the right age would be maybe thirteen, some ya, cause at that point of time like one is, I think old enough to understand the concept of money, and since, the ATM card still requires you to have the action of like you know inputting your PIN number I think it makes the makes the child think a bit before like purchasing at least that's what I


I felt lah like it'll make me think twice


I also dislike handling physical cash so


you've to like fly constantly for that , actually I would agree with you, , cause I don't have a credit card so I actually went to like google and then what's the differences between the three and yup I would pick cashback, err


I guess a close second could be the rewards kind of credit card, but then I don't really like to get you know gifts that I may not use like there's a lot of accumulate of lot of trash maybe so


I guess I'll just have to, , I don't I mean I'll definitely inevitably uh have to purchase in the future, uh, ya right now I'm just a bit clueless about it


I think any insurance I have would be, either like, my parents helped me to purchase or like ya they always actually purchase insurance when travelling overseas


err do you, no I'm a bit in the dark about that


maybe you can can you let me know around what age did you start like buying these plans then I can take note of that


unfortunately I really don't


three negative experiences, so question one , maybe you could you could describe the saddest scene you've ever witnessed


saddest scene would be my mum breaking down in tears at uh our church, uh it kind of happened more than once actually, but I'm thankful lah that now things have gotten better so she doesn't do that anymore but


ya back then it was just like heartbreaking lah to see because I'm, I don't know how to help her , okay next one describe a time where you feel that nothing you do is good enough


I haven't experienced that, uh something like that but the closest thing, I could think of is, I auditioned for the school musical in my secondary school and then I somehow managed to get the lead but like after awhile I could sense that I wasn't living up to the teachers' like expectations then there was even like a sit down talk


with the teacher in charge, then it confirmed my suspicions because, like they they told me they ya they felt like they were they made a mistake choosing me so back then I was like ah, okay okay I'm not just you know the feelings of not good enough


but ya, but in the end things worked out the the main teacher in charge said like he had had another talk with me and then he said I'm going to put my head on the chopping block and root, and like stand stick by you ah


so in the end I didn't get replaced and then it worked out well this , err, , describe a time where you feel that nobody cares about you


for me I could remember there was like actually a time when I was very confused about what's going on I think I was just like six or seven, and all I knew was like my parents are fighting and


I I couldn't comprehend the details until I was older but basically what happened , why why I was confused in that situation was that, err my mum, like left the house and she went to her parents' house and then didn't come back for many days and then my whenever I asked my dad about it he was just like oh you know shut up or go away he'll get angry so yeah I kind of felt like a unwanted child for that period of time


err really stupid things that I did in the past , could be something I said or like I did in then in hindsight I realise oh that was a really terrible thing to do then I I try to apologise if I can but you know intrusive thoughts sometimes it pops back in my mind


it, it's really stupid lah it could be something like, I accidentally I accidentally made a joke that actually I realised was offensive to a friend, ya, so don't start with intrusive thoughts so, I worry about those


so maybe what about you what what do you often


my parents also worry about health now


that's good advice , I can feel like when I worry too much ya it just it takes a toll on my physical body


was the saddest moment of your life


can't really pinpoint it again the one moment because, to me the event was like stretched out, but ah ya the, catalyst is basically my mum finding out that, my dad has an affair for the second time and then so it like kind of lead to


very long months like, kind of living in what I call a state of limbo, cause it's like, there'll be times when is err, everything is okay then there are other times when, everything is like you know fighting everybody's fighting so


ya that was a


err should I stop or continue talking, so is there one thing you wish you could change but will never be able to


is there one thing that you wish you could change but will never be able to


for me I kind of believed that, you know like, where you are right now , uh where am I I mean where I am right now, I couldn't get here if it weren't for all the events in the past so I wouldn't change anything but


if there really had to change something I wish I could be a better child or like maybe more self awareness when I was younger cause I did like, some dumb things ah, uh which could be prevented if I had more observational skills


have you gone through any loss in your life


in a way like you know thank god that you know ideal, I'm fortunate enough to not have experienced the loss of a close loved one I'm actually kind of scared for that to happen in the future cause right now


, I'm I I'm think I'm pretty lucky I have, my parents my family and then my two sets of, my two sets of grandparents so, I don't really have a loss that I can speak of


ya thinking about it actually makes me feel uh really worried


err thinking about the future , err should I continue sorry


I don't really have , I'm not attached with a company I graduated from, , my poly already this year earlier this year, but , ya I'm only doing able to get like freelance work, I did try to get like


I go for the work study programme but so far no companies have you know hired me so ya that really makes me stress when I think about all my other friends have, jobs already or they're moving on to the next step which is like university or something then it makes me


ya I was saying that like, I am really nervous about, my career or like kind of like what's the next step because , I'm only able to get freelance work, for now, and like seeing you know my other friends some of them have the


you know attached to a company already then I'm just like (ugh), when when is it when is it going to be cause like last time, everyone's in school so everyone's kind of like at the same level but you know now you graduated out, so everyone's going at a different pace so that kind of makes me nervous


have you witness any traumatic incident, ya me too lucky enough not to have, , maybe what's the biggest thing holding you back from your goal


actually my answer's pretty similar cause I, okay my goal in life I guess it's just to have a simple life where I'm happy and safe you know no frills but then since I don't know, what, you know the details of such a life looks like I'm like it's not really clear so I don't really have a clear goal in a way


so without that clear goal I I, I don't really have the motivation, so, maybe that's holding me back


a time when I felt, helpless , not really sure but the first thing that popped into my head was , when I had a, sort of a falling out with one of my close friends


ya I was uh I had a falling out with one of my really close friends , then it felt like, like I really couldn't do anything to save it, I mean my my group of friends did try like we actually like schedule a sit down


at a in a place and then we talk all our feelings out but it it just felt like the friendship couldn't be save because she would even though we had those kind of discussions where we you know talk all our feelings out my friend would just repeat the same


, I would I don't know how to call it maybe mistake like she would just, err, she would say she would say something mean to me ah then later she would back back track it and then say like she did not mean it so that kind of thing you know,


she even though she apologised I still felt, like the hurt from it and then it since it repeated so many times it's like I said maybe it's best if we you know part ways so that time I was feeling pretty helpless cause it's like, nothing you can do to salvage the


is there anything that disgusts you


ya I , I also feel like disgusted by this type of people and it's unfortunate like it's very common you see like in the news [orh] this really entitled person , for example like refusing to, wear the mask and then like throwing a tantrum over that


again it's another friend situation so in secondary school I


I had a group of friends and then we made sort of like a new friend, and then but over time we found that, that person , that person was like was really toxic ya so it


one of the situations ended up where that that new friend push my friend, , really hard and then scream like her head off in the school so that was just I really I got really angry and I told her off ah ya ya alright


part two positive experiences


so #la ning# what is the nicest thing someone has ever told you, oh that's a good one to hear, my , , so


I I can't I can't pinpoint it to like one sentence but I did host a small party for for my friend's birthday and then afterwards she actually texted me like a thank you paragraph, and to sum it up she said like she felt blessed to have me as a friend and she feels very happy that she sees I you know care for her so I felt very good about it


again it's hard to pick one I feel like I should live longer right and then pick but a genuine, happy moment that was


you know full of joy that I can remember would be, me and my brother we were overseas in and then we're just like hanging out in the hotel room, then, I was trying to teach him the cup song from pitch perfect if I I'm not sure if you know what that is but


it's from pitch perfect is a movie and then in one of the scenes this girl is like, playing with cups and then she made like a whole song and a routine, so, I was really obsessed with it at that point and I taught it to my brother and it was I just can remember that memory it was full of fun


so maybe what about you what's your happiest moment


I think that sounds nice like you know with your, new husband and then you settle down in your new home uh I I'm looking forward to that feeling hopefully


travelled to japan in twenty eighteen with my mum and my one of my closest friends, and that one was really special cause like first time you know with a friend and then we attended a concert actually ya so it was pretty funny it's like we're in japan but we attended a K pop


concert so it's a korean band , uh two years ago twenty eighteen like the start of the year ya


[orh] Onsen


oh my gosh but he wasn't in the water what it I think it would be fine


actually since you talk about Onsen , if actually there's some in singapore, and then Iike you know you like you talk about the people being shy they actually provide like some cover ups unlike japan, so you don't go in like completely naked


yeah, it's uh the one I go to is Yunomori Onsen and spa


ya I also didn't know until like quite recently , uh, a bit but I don't go often ah only when my mum like feels like you know having a treat


okay so, what is the oddest or maybe most unique compliment you've ever received


she is picking at the ya, my the, my compliment is not really a compliment it's also a odd one, I guess you can call it, maybe a back handed compliment there was this like, girl in secondary school you know one of the popular types then she said I can be pretty if I tried harder


ya, back then I was just kind of confused cause I wasn't sure what to feel right like is she saying I'm pretty but in a round about way or what, but then I think now when I'm older I'm just I think she was just trying to


I don't know lah make, help like somehow lower my self esteem I don't know , but it's okay I mean hopefully she's a better person now


I'm thankful for being born in a place of privilege so I was, born in singapore which is already you know pretty privileged it's a safe place to live in and I was born into a family who loves me and I never had to, worry about my next meal or having a roof over my head so I think that is all


ya I should I'm just thankful for that lah


what did you use to hate as a kid but now love as an adult


that's kind of me right now


ya but I'm trying to, break out a little bit like for example I'm doing this exercise I was uh it's kind of out of my comfort zone like maybe a a year ago or two years ago I'll be like flat out no, but, I ya I just really wanted to try something


best birthday present was actually, , a birthday party so like in primary school there was this, , I noticed this trend where like to have the best birthday party ever you have to have the condo function room you've to have games activities you know like maybe a Pinata and also have goodie bags for all the kids to take back home so I was still living in a HDB


and so I didn't have that experience and I and I kind of like lamented to my mum about it like oh I really wanted cause, I found like my birthday parties paled in comparison to my friends' then so she decided to go all out for me one year


and she asked her friend to help her book a function room at a condo, then she plan out everything goodie bags Pinata like maybe we couldn't really, buy a expensive Pinata at that point of time but she made an effort to ask like our cousin who


had a birthday party and then we recycle that Pinata, Pinata yup, so I don't know I was just really, uh thankful and I that was one of my best memories you know like !wow! my mom went all out for me to have that ultimate birthday party but


now I , I like I prefer more chiller chill parties it's too much energy too much , energy you know going into that kind of big plan


when he gives you like that kind of surprises is it does he do it on like a different day from your birthday so like you already get surprise


!wah! very good I think you you guys are couple goals


uh in secondary school like, I you know had a typical experience of getting backstabbed by friends but like I'm grateful for those experiences overall, cause, I realised that you know there's no need to try and hold on to toxic people , you know they're just making me miserable but


the quality of friends matter more than the quantity so that's my blessing in disguise having those experiences


maybe oh, what is a comfort food that you can always rely on to cheer you up


I I'm not really a foodie but, I love to drink milo, it's like always been there for me I, started like you know I I I told my mum I want milo in my milk bottle when I was like a kid then now I drink it


almost all the time like I've a stock in the fridge my friends know like I always have that stash and they know not to drink it too much , I like that I'm generally


an open person and like willing to help because I think in it makes my friends feel comfortable to share things with me and they know they're not afraid to ask me for help


okay that one I cannot relate because my chinese is horrible


I (hmm) I had to think a bit not sure about an awesome reward


right I want such friends , just now you mention like you have a you have a cafe


so in the future, would it be, could it be reopened for business or like, it's at a standstill kind , oh I just wanted to ask about that because actually one of like you know sometimes I think about


things I could do in the future then I did think of like cafe, but of course I didn't


(hmm) I don't really have a passion for food so maybe I'll just put the idea in the back burner yup okay


financial related topics


okay the first point, I feel that to invest my money and plan for my retirement, I'm thinking of like, since I'm eighteen already so I can start investing in the stock market, so


I think I'll invest like a portion in of course there will be CPF also so I'll try to max the account, and then, I'm also trying to invest in the stock market like maybe buy some ETF like I'll buy, uh the straits times index ETF maybe uh not so much of my portfolio like twenty per cent


I'll invest like probably in the US stock market because I feel that that will give you give me higher returns, and there's also this one more, insurance program


it'll give you two point five per cent return per annum for the first ten thousand, that's one of the few ways I'm planning to, and, and one more it will be my housing whatever I buy


the property prices of that would be, hopefully help my retirement in the future like the price increases in the future, ya mainly I'm going to invest in stock markets maybe some ETF and


like blue chip stocks, that's mainly about it


I've I've heard of bitcoin but, I don't know the price seems a bit volatile like, , every week you can change between ten per cent, and sometimes it can drop like I think after COVID it dropped to three K or four K USD


and now it's back to twelve K USD so it's extremely volatile more than other stock so I'm not sure about, maybe I'll put a small portion that I'm not so afraid to lose and I'm okay if I lose everything, so I'll probably invest the small portion because I also think that crypto currency the future but I'm not sure about bitcoin because


I'm not sure if the government wants us to start using bitcoin because then they cannot plan any fiscal policy in in case of a recession so it'd be harder to manage, the economy just using bitcoin because no one can can like the government can't print more bitcoin


understand it's good because it it's a deterrent like it it won't cost, it it'll like not inflate, the value won't get less in the long run but I'm not sure I mean it seems a bit volatile


to invest a large portion of my savings for me at least


so I I agree lah ah , so that's why I said like a small portion of the money which I'm not afraid to lose I'll probably invest in bitcoin, or other crypto currencies, and, mainly because I feel like if you invest in tech now like it's going be


huge in the future cause I feel like technology is continuously evolving and, tech companies are tech companies uh I feel like it's going to give you quite good returns compared to the overall economy because, especially now I feel like


at like early two thousands we broke a barrier then two thousand to like twenty, eighteen around that technology wasn't I mean it progress very fast but not like, from, I feel pre two thousand I feel but now


they're going to start accelerating much more like Apple is coming out with their LiDAR technology, to, to use I feel like augmented reality is going to be the future, a lot of companies are investing in augmented reality it's going help for like engineering and stuff


so I fit uh I feel that, another technology boom may be coming so, investing in tech mainly, would be my retirement plan like, I'll bet big on tech


not so sure about other industries, bitcoin also I feel like it does have a huge future like crypto currency, , blockchain actually like I feel has a huge potential, so


ya and I don't think I would get a financial adviser to plan my finances because like right now, you have google at you fingertips there's so many people who have information that you don't have to pay anyone to get financial information


so ya I think those are my plans


true but then I then again I feel like, if you are investing in the stock market, and if you, if you know what you're doing like you add stop losses that you don't lose everything in a day, it if that even possible because I feel stock market is not so volatile like crypto currency where


like you won't lose your life savings in a day and you can easily withdraw it quickly, ah especially you invest in like stocks which have high liquidity so, shouldn't shouldn't be a problem and, like


you will lose all your money I don't I've I don't feel like stock market is gambling, so I feel ya you have a point you should spend less and I heard that a lot of industries may have a permanent change like clothing industry there's been a lot of I I read a lot of new sources saying that


clothing industry may forever change like fast fast fashion I don't know if you've heard of that but I feel less people are going to but spend on fast fashion like, ah, it's something where you know H&M they revise their clothing lines every week right so people tried to get new clothes quickly try to stay like in


in fact they want to be fashionable but now after COVID they realised that they don't really care about having the best clothes because it doesn't really make much of a difference to their life so they're going to try to cut back on clothe clothing purchases they're not going to buy new clothes every week maybe every month


so I feel that, we are going to start saving more and we're going to realise a lot of people realise that they want to save up for rainy day


I don't have a credit card now but I'm definitely considering buying because, I feel that we are going to, there's going to be less retails actual retail stores people are going to start moving online because they want to cut their rental cost


and and store person uh, like, cashier cost and then they want to save on wages that to pay employees so I feel that everyone's going to already it's happening a lot of people are moving online but I feel like because of COVID a lot of small businesses are going to go out of business and they're going to start moving heavily into online cause they still have stock


and so I feel like buying a credit card now to protect yourself from like, fraud because credit card companies you can just ask them !hey! I've been scammed can you refund me money what about you


right now I've been spending a lot of money on like, , online shopping like, ever since stay at home started I want to get some accessories for my computer like a keyboard and a new mouse so I feel I've been spending a lot but I think there's just one once in a while like I'm not going to buy a keyboard every week


so, so right now I've not been spending too much on anything I feel like, I feel food expenditure is justified, and, occasionally during like during exam days, I tried to take a cab to school


cause I can save up some sleep time I feel that it's justified like you get a better performance in exam especially taking a cab in the morning it's just much nicer than taking the MRT so, it sets like a good, mood for exam I'm I'm not sure how is the


I feel that the CPF, CPF is actually quite good because that their base is like essentially guaranteed you a two point five per cent gain, uh per annum, but, I'm not sure like


a lot of singaporeans unable to actually meet the goal, I'm not sure if, I hope I can meet the the goal so I can start receiving payouts at fifty five, so that's one I I really hope I do, and apart from that I feel that's pretty good they're giving you they they even give you an option actually apparently there's a CPF investment scheme where you can if you think that you can


beat the two point five per cent annual return rate you can invest, a portion of your CPF money into the singapore only singapore stock market, so, out I in my opinion right when when I start getting CPF money


I'm definitely going to invest in the stock market myself just to, try to beat the two point five per cent, return I feel like I can, ya I I I I would definitely do that


and, I feel is pretty it's a safety net for a lot of people for their retirement ya I think it's good


what what are your thoughts and retiring early like, do you want to start retiring early before sixty


ya I guess it depends on my future job but I also kind of want to retire early because, if I if I I feel like if you retire very late right, you can't really use the money you've earn I just want to like spend it on, fun stuff and then I'm too old like I can't really go overseas and explore the world


so that's I mean there's a few a lot of assumptions just assuming that I actually have money to travel the world, and, and actually go places so assuming that I'm financially stable, I I think I would want to retire earlier rather than continue working a few more years just just for the sake of it so ya I I don't want to travel overseas right now I can't because I don't have any income it's really expensive


but hopefully in the future ya


ya that's true I but I feel like, , in singapore, I'm going try to get some kind of property at least like, somewhere at at thirty years old, hopefully, because I think a property prices a huge part of your retirement plan like


I'm going to stay in that, buy a property at thirty of course stay in the property and then maybe at when I'm like sixty I'll sell it and, live in a smaller smaller area so that I can use some of that money cause I I don't think property prices are going to fall like in the long run it has to increase I feel like


like I'm just going to buy a HDB at thirty years old and then let's say I buy a five room or four room HDB, I'll stay there for until I'm sixty and then if I don't really need the large living space I'll just sell back the HDB


and and keep, a portion of the money for my retirement


ya I mean I plan to retire in singapore, so, hopefully one way I can retire is, I use some of the money I invested plus I use the, gain in property like for example I'll buy a HDB now and then hopefully in a few years it would be worth more so I'll sell it and buy a cheaper property


and get the difference, I don't know I feel like singapore is the best place to retire like you have, reasonably priced healthcare you have a low tax rate


stable, stable political environment, and life is kind of comfortable here, except for the weather I feel like the weather I'm really wish is colder and less humid


experience in your life


do you have any phobias


some phobias I have is I guess, I'm I'm not sure I'm just, I'm scared of like, dark places so, like one time one time I got stuck in a lift and the worst case was I didn't have a phone so I didn't have a torch light


and then the lift like just shut off, and for twenty minutes I just stuck in the lift, I don't even know why the bell wasn't ringing plus it was pretty late and it was like at eleven o'clock so nobody was there taking the lift, so I thought


like I maybe stuck there for the whole night and that was pretty bad ya, what's your greatest fear


my greatest fear, I guess would be something like paralysis from like not even death were just, paralysis from a fall or something like that, I don't know it just seems worse because you can't even do anything you can't enjoy life but you just there


it seems really scary that's why I don't think I have any other, extreme fears apart from that ya, like a serious injury would be, did did you have anything like you witness visual like terrible


the worst thing I've seen, I guess the worst thing I've seen was like, a teacher scold someone really badly but then actually the truth was he just took, took blame for his friend so


and I didn't even like he didn't want anyone to tell that it was not him but it was really bad because he like got scolded for one hour the whole lesson the teacher was just yelling at the top his top of his voice, , ya that guy I think I was only in primary three so it's pretty pretty bad the guy was getting scolded


for very long ya I mean, I couldn't do anything about it but I feel that that was one of the worst things that I witnessed because, I'm not sure why the teacher even scolded him that badly did you have any experience of teacher scolding you


did you did you ever get did you ever get very angry


like have you ever been really angry in like general apart from someone getting someone scolding you just in general like really


like that I understand how could how that could be


I wouldn't say it's something that I did intentionally, I mean I was not the only one, I was not the only one who hurt someone's feeling is just that


uh there was this teacher in secondary school, he was like super upset, with my entire class not just me, cause, he didn't get any like gift for teacher's day so he was just sad, ya I mean it was not exactly just my fault


that's that's like something I may have hurt someone's feelings I'm I'm not sure, did you, did you ever watch something in a movie that made you super upset


no I used to read when I was smaller but now I kind of stop ya I don't really read that much, did did you ever feel upset about people who like refused to wear masks right now in in the COVID pandemic


I think ya that was one thing that that's one thing that made made makes me pretty angry but I feel the thing that made me the most angry was there was this time I was in US I saw this homeless, person he just asking for some money and this group of teenagers they're extremely disrespectful they came up to him and says uh said he has hundred bucks for you to improve your life then then one second later they like just kidding LOL and then they just walk to it that made me really upset like why did someone do such a thing


and he basically taunted the homeless person like !hey! here's hundred dollars that you could really improve your life just kidding LOL, I mean that was pretty bad to see


I'm not sure where in US but I remember it was in US I was just waiting for something, and I saw this this happen, ya to this homeless guy I feel really bad for him, do you have anything that disgust you


very disgusting if someone vomit in front of me luckily no eh has not happened, very occasionally maybe when I was young, I've seen something happened but that just sounds if, look sounds disgusting, and if someone vomits near me I have like


unfortunately I have this effect of also vomiting just from the disgust, do do you do you have some similar experiences like that


uh do you feel anyone has like gravely wrong do


do you have any issues like you feel the world needs to fix, like any issues that you are very passion about


I feel that I've not really had like, uh, I didn't really feel any issue that I've very upset about maybe, uh, perhaps this climate change I feel that we should do something on it because it's going to affect us all


and, like it could really destroy our earth like if if the scientists say the temperature increases by just one degree, a lot of bad stuff would happen so I feel that we should definitely be, thinking more about climate change because it's something that affects all of us especially the youth now and the adults ya I guess they won't have to experience so much of the bad effects but


like we are the generation who has to deal with the problems of it, not sure especially since like


globally not many leaders are actually taking that ah because it that has become a political issue like a lot of, like it didn't use to be a political issue but now people, like some there's a lot there's a huge group of people who just say like let it


let climate change happen I'm pretty sure it's not as bad as the scientist say, like there's a lot of science deniers, so do you do you feel upset with any, like science deniers


that which group of people you feel, who are science deniers and you're really upset about that


do have you heard of do you have you heard of the, like anti vaccine movement, oh it's basically like a bunch of people who, think that, vaccine is like a scam by the pharmaceutical industry to give them different


issues so they just don't take vaccines and put others injuries do you think does that, make you upset like people are just not taking vaccines and, the children actually getting, polio or, whooping cough really bad condition


do you do you have like, do you do you feel that do you know anyone who's like very superb, who doesn't trust modern medicine


oh they they refuse to take medication is it


ya that's that's pretty bad, do you feel like, do you feel people should, is unrelated but do you think we as individual should do more towards fixing climate change or just


let the corporations


ya but if, frustrates me when people who were just who just random litter lah I I know a lot of people, who just litter and say ah whatever I mean if even if I pick the trash up a lot of other people are going to litter so my, littering doesn't make that much of a difference I mean that mentality frustrates me


ya, do you have do you have any like similar, people who just blatantly disregard


ya that's true, do you have is it are they in your school or your close friends or


I mean they're my I I I don't like to be friends with like, people who like that but, it's just in my class there's a few people but luckily it is just the minority, so ya I mean otherwise I'll be pretty frustrated with someone just purposely litter when they can easily pick it up and throw


uh do you have any time where you hurt someone's feelings


I mean I'm not I'm not sure of any opportunity where I gravely hurt someone's feelings, so ya that's that's good, do do you have any or like anytime where you just got extremely unlucky and it was just a snowball effect of unluckiness


do do you have any experience where everything just went went wrong all at once


uh it was just one day where like, everything was just terrible in in when I was coming in school bus I I left my phone in the bus, so that was I was pretty frightened that will got lost, and then I was scolded by my teachers cause I didn't bring my


any of my homework, and then later I got scolded by my mum for forgetting my phone but luckily in the end I still got my phone, , and I did my homework in the end so hopefully, I mean it was fine in the end but


positive experience in your life


what's what's your best travel experience


I also my one of my favourite travel experience was also when I went to US I went as part of a school trip like a robotic trip and, my my favorite part was like the weather the weather was super nice it was I think nineteen degrees it was not too cold not too hot so you could wear a jacket or you can just not wear it was like the perfect you can wear whatever you wanted


plus you know it didn't make you sweat it was not humid, so I feel the weather was, because I have not experienced like such a nice weather, ever in my life except for that one time plus, , there was one more there was one fun experience where we went to this go-kart area and


I'm not sure why but the organisers there they didn't really mind if we drove recklessly and crashed the go-kart like as long as we just return back, we could just drive, as recklessly we could crash into each other and just, go as fast as possible there was no rules so that was really fun cause there's a lot of my classmates


one of the most positive experience, uh


I feel like one of the most positive experience was when I was in P five we had, we went to this uh we went to science centre and then we had to set up a booth, as part of my CCA to raise some funds for charity, so you have to sell some uh anything we made or any


any games you organise like , throw a cup, throw a ball to hit some cups like carnival games so we set up some carnival game we sold some items, and we raised like I think two thousand five hundred dollars so that was pretty nice it was pretty positive like cause


when especially I was P five I was pretty young and that was like, my first time actually donated that much money, uh I'm not sure where but, we donated it to some charity this was part of a science centre competition not a competition you just a fundraiser where you just sell items


two thousand five hundred dollars ya so that that's why I was really happy, what about you what's your most positive moment


ya I mean winning winning something as part of your CCA, is extremely satisfying I also agree with you, I've had a few experiences with my CCA actually I went to the robotics trip because we want this local robotics competition which qualified us for this US tournament we did quite well in US also so


that was like, overall it was a very nice experience, uh we didn't go to like california anything we went to this, uh we went to kentucky there's a small town in kentucky it's called louisville


ya it to be honest is in the middle of nowhere there's not much to do there, uh it was just nice because, like, compared to singapore singapore is everything is so close together like the buildings are huge everything is closed together but kentucky there's so much space everything was far apart


we went we went to this walmart, it was in the middle of nowhere there was so much space around walmart but even inside walmart it was like it was basically another shopping mall by itself


wait what CCA did you were you in when you went fourth grade, and this was in secondary school or


how how do you relax when you like get home from school or anything


I like to sleep to relax it's nice I try to make it as cold as possible and then sleep, I feel relaxed one more way to relax I feel like I just watch some movies, and some TV shows, ya


it's nice watch I I always being watch TV show I just keep fast forwarding ten seconds try to finish the entire, series in a day I don't like to wait until, a month to finish the series


do do you watch any TV shows


like what else what TV shows do I watch, uh I watch this show called prison break, is basically this guy, ya you you heard of it


uh it's it's basically this guy his brother gets uh locked up in jail for some a crime he didn't commit, and his brother is really smart so he tries to figure a way to, get him out of jail, and it's interesting because


like the the way he tries because not easy breaking out of the prison right so, the strategy strategies he does to break out of prison is interesting


kept adding onto the plot it is five seasons I think over a span of fifteen years ya


so ya that was nice, what makes you want to be alive, oh wait what's in your bucket list


oh nice


also I'm excited to finish university so that we can finally start, like living an living, living an adult life I guess, so you can start earning money and then


I mean hopefully hopefully I won't be broke, and ya just want to I'm I'm just excited for the future, I'm usually like kind of optimistic, like in general so


ya I mean unless there's a there's another, another disease or something, I'm just, I'm just excited about the future


oh uh one thing I really want to try to do is I wanted to try to get a driver driver licence and actually drive, because I don't know I I have no idea why but ever since I was young, I, I'll I'll always like driving like in the arcade I I know it's not the same as actually driving but in the arcade and then


when I when I whenever I do go-kart or the luge in singapore I I don't know it just, feels really fun to drive, so do you do you like driving or do you want to, drive in the future or do you just prefer sitting in a cab


I'm I'm I'm not, very sure, like I'm not, I don't know I don't know what I don't know what to say


my best surprise let me think, I mean is kind of generic like my best surprise was, in primary three where I got surprise with a birthday party I I did not see that coming at all


and because I was just coming home from a normal day at school, so, ya I did not expected at all


no it it says that due to low low bandwidth or local computer conditions, uh video I think his video is not available cause it is his computer conditions and things or something like that


lots of skill that you are very proud of having secretly proud of having


!wow! nice do you do you play cards with your family or friend


uh special secret skills, I guess I I know how to beatbox, I also learnt it in similarly in primary school there's a beat boxing course, and I just found it very interesting because previously I really didn't know how to play any instruments like in music lesson I didn't know how to learn the flute


but then beatboxing was something I could actually do I was pretty decent at it, but then I haven't practiced it, for very long time so


I was in primary six, so I just learned it then it was just a three week course, but I just found it really interesting, I I kept practising on my own until secondary school, but then I kind of stop now


uh no I I mean I don't know I, I I have not even gone much into like, people other people will beatbox I just knew how to beatbox and that was it, ya do you have, like did you do any music program in primary school


no it was just a three week introductory course, just basic sounds how to beatbox, and that's about it I mean it was just three lessons cause music lesson you just want to be


so ya, it's it's very short, but I don't know I I enjoyed it because it was the first time I could play any musical instrument do you know how to play any musical instruments


no I I don't know how ah, like I tried playing the piano but I just, I'm like seems very hard, did you have a private instructor or did you go to like the school


oh wait what school did you oh, never mind nice that was that's pretty cool, uh do you have any like do you do you feel


and there's like what do you look forward to in the future like despite this COVID pandemic


uh do you do you want to do anything like, like you know there's a break between A levels and NS, do you want to do anything, like after A levels like what goals do you have


you know like just before there's a one month break


(mm) I'm [ah] I'm also gone they haven't told me the date, but probably I mean definitely next year, hopefully I still have a few months before I leave I'm not really sure


financial related


I mean for me it's kind of, different as in, I'm still not earning yet, so, but I guess whatever pocket money I have, I, would like to invest into bitcoin, uh I feel that bitcoin has a


quite a good leverage in, gaining a profit in the coming years moreover with, COVID so I think that, crypto currency would be a, pretty much major player in the coming years, with cashless payment becoming a rather prevalent part of our society so on that aspect I feel that


planning for retirement will be a rather long shot but, accumulating wealth I think, investing properly would, be a pretty much of a, useful gesture to ensure that I have money for


whatever I whatever I'm required to do


you said that you thought trades a lot but, things that usually people play the, profit part so in a way ya it does, it does, fluctuate by example you, want to make a quick buck


I'd say that crypto currency would as in like, if you invest in like, long term stocks such as maybe SIA singapore airlines or like, may be Shell it's going to take quite a bit of time to for you to


forget the amount of money to buy your stocks first and now it's exactly that, cheap so, but for crypto currency example you buy like, you buy those, unknown one or maybe you play forex, I'd say that no way is easier I feel it's more


you don't need to invest so much and you can just be started about a hundred or two hundred, you can make about pretty much in maybe a year or so but to think about it is that very risky to, in my opinion but


like whatever you're talking about those, stocks I think they are more, stable, as in they're more less riskier but, in a way it's more I think


in a way it's more safer to use


smart to play in that way, I mean you have Google and, kind of most of everything is in a way, available to most information, but I think like, I think it was spending our saving habits should all be


tweak, in a way you can't still go about, spending so much, we're just going to have a lot of, problems in the future, especially resolve is running out, if if, people already having losses or going bankrupt already


due to COVID, so maybe investment now would not be a very


do you own a credit card


no I don't I don't own a credit card but I think I mean we all happy now so, it's usually done with a mobile number so, I guess after when you get your


once you get a credit card you


I think it was reasonable ah, to you I mean spend money, what's your thoughts on CPF contributions in


but for me I feel, for like example those singaporeans who don't want to stay in singapore I feel that


even though you are not in the country or you are working, overseas, so in a way I see that it's very, it gets very, if you are practically losing a lot of your money and then


it's you are, you're going to have a percentage interest on it so


I highly doubt I'm going to be working, until sixty five I mean I'd say , hopefully I get a job that I really love, and in a way it's like I would say that in this job I would


if I hopefully still love it then yes I will I'm not going to retire at sixty five but, if I manage to get enough money reserved for retire then I will just go live somewhere else


I want someone go along same route as you, been hopefully in the future you just go down, when I was settled, I mean the cost of living in singapore pretty high but, it's a very stable, it's a very stable economy, and I mean


that's a plus point but, there are still a lot of stuff to do out there so maybe, after many years, can settle down back here


but what do you mean property prices like where


wait so your plans are in settling in singapore with your job or


but you have no plan of settling outside singapore


it's just the weather honestly


negative experiences in your life


I used to have a phobia of, deep water but, I kind of got over that phobia when


when my instructor dumped me, in the pool, while I was screaming so, for me I got and I managed to get through it pretty I mean it was pretty hilarious and that time I wasn't but, after when I look back it was kind of helpful for me


my greatest, fear, I don't know I really never felt, fear for anything until now I mean I have never had the experience of feeling fear


I really haven't experience, such stuff yet, I mean hopefully and this can introduce me to something that I really damn scared of I feel, fearful of what about you


I think one of the incidents was in, india where, my grandparents live so I was, passing by in india where, there's a high rate of, , beggars on the street so there was this one incident


brothers sitting on the sidewalk and they were, trying to


beg for alms and each time they were getting turned away and one of the brothers was like, one of the brothers had didn't have a leg he was he was amputated so I felt that, I was around like, a terrible sad thing that I saw


like, something that's happening in, supposedly a developing country but still, there are so many, cases like that and such a


I've had a lots of experiences of teacher scolding me but I never really been in a situation where like, another person takes the blame I think that's really, honourable of that person


no as in usually when I get scolded I usually very scared so I wouldn't say it's more of angry but let's say if I get scolded for something that I really didn't do then, yes I would be pretty pissed off


uh as in in general, I think there was one incident where


I got blame by my brother for something I didn't do so, he caught me out for a fault that, it was very small thing where I also where he said I accidentally spilt water, but I actually didn't


I got very angry over the fact that he, didn't have any proof or evidence yet he blame me whereas in the end I found that it was actually him who spilt it


so what what describe a time when you hurt someone's feelings


anything in the world yes in I don't really, like movies get me in such a manner


ya I mean I would say it is very stupid as in you're putting other people's lives in, you are like playing with another person's life and I would say it's very risky yet, people do not seem to listen to that


and they don't want to, listen to like advice who is, I would say is pretty annoying on


it's really rude where they just


disgust me I think one of the things that disgust me is worms, I really really hate worms, it disgusts me, like utmost I really don't like creepy-crawlies or insects I think, that disgusts me, and especially in like countries like thailand and thing where there's fever delicacies such as


worms and stuff, I mean I find it personally quite crud, what about you do you find anything disgusting


vomiting uh, not really I wouldn't say so


I used to have a friend who, who bad with me and told me to, to a teacher on something that I never did so I would feel that, you, fall under that category


the world needs to fix poverty, I think that's the first thing that we really need, to address and retrospect as in, we have the resources we have the money but, we have, billionaires living but we also have


but do you think that it can be solved in the


powering winning know about that


not really what is that


vaccines available for everyone it's not very expensive you can be obtained for free or at the very large, discount so, I wouldn't say it's thing but I feel a lot of superstition is evolved around medicine, usually people who don't take it do not have knowledge or like


understanding on, the problem as to why they need to take all these


my old relatives, how some people, ya they refuse to take medication feel that their bodies can heal but, I mean you're ninety years old you're going to die like a few years


so I mean if you, want to prolong your life yes medicines will help use you


I think cooperations could fix it easier compared to like individually, cooperation is larger entity but what's your opinion on that


I have quite a few friends who don't really listen to advice and like disregard people and, feel that it's very hard to deal with this kind of people but in life you're going to meet a lot of them


I would say is more of close friends so, so it's more of a


when I hurt someone's feelings I felt that, I kind of hurt my mum's feelings when, in secondary school I wasn't performing very well due to my, school having very hard exam papers so how much have I studied it was very hard for


I felt that my mum was very disappointed, so, I kind of let her down in that aspect


there are certain situations where everything went wrong like example, in sec three where I there was a day when, she was very bad I was scolded by my teachers scolded by my mum, grades not very good I wasn't performing


very well in CCA so it was kind of a period where a lot of stuff


uh I would say that my best travel experience was when I went to US I went to, san francisco I think, it was one positive experience


I see you what what's one of the most positive experiences


where do you donate it again


I see I see how much do you donate


I'm I got fourth place in my CCA, competition it was the nationals so like, it was then that I, was I mean I got fourth place in the singapore so I would say that it was one of the most I mean whatever I work hard for it kind of


!wow! this is really really nice, I did I got fourth place and


in sec four ya I mean but, it was it was a very mixed experience because in a way, like, I did a very stupid mistake that would have fondly got me third place but


I ended up getting fourth so like that one second of, simple mistake could I also cost it but it was also, I mean it was only time the wear hat


I don't do any nothing much to


uh no I don't really watch TV, very much, as in but I mean usually I mean, you are usual shows like lucifer or something I usually watch those Netflix series to wind down layover, that's about it what else do you watch in Netflix ya


oh I see I see, ya I've heard of it what what does it what does it consist of, like I've never really watched nearby seen it there


!wow! so how long is it show


bucket list would make me want to be alive, a lot of plans to do after, and done with maybe NS and, , like done in singapore as in like


I have like bucket list or maybe learning how to skydive, or climbing mount everest I mean like, doing some exciting things lah I mean all those stuff can't be done in singapore


so as in like what exactly I have plans for the future like what you want to do like what I aspiration


I don't know I've never plan the future yes, hopefully I see, what's your perspective on that


what's what was your best surprise in like your life


but to get but have it were welcome is onto


ya battery life is perfect my connection is also perfect


one skill I would say is that, I mean it's a not a very well known skill but it's, consisting of


like I, it's uh it's like sleight of hand so I learned it when I was young to like learn how to play with cards, and and it's more of like, you learn how to manipulate using different tricks so it's more of a magic kind but you also learn how to play with cards so this


really improves your sleight of hand so you're able to, like deal card very well and, able to manipulate cards or do magic trick very efficiently so it helps you in, employing, a magic trick pretty well and it's like


I, I mean I used to practice it and my secondary school they, taught me all these and they, give me an introductory lesson but I kind of fell in love with it and, I continue use it to, recently which I just stopped but I've


but the skill is still with, uh no I don't ever say I don't play cards it's just I learn how to manipulate them is like, is like you learn how to, secretly deal with it or deal with yourself another


ya what about you do you have like any special skill


I see as in beatboxing when do you start learning it like


as in is it is do you have any like beatboxing idol or something


uh ya I mean primary school and, or like indian classical music, and stuff so all those, in stuff, I just, learnt it but it was not very deep, did you learn it to to a very deep extent


oh I see what did you learn in the three introductory course


I did learn guitar until grade three but after that it was, had to , study so I have, I had to stop but it was very fun though, what about you do you know how to learn do you know how to play a guitar


uh I just went to a school


as in I'm having A levels right now so I just hope to get it done and over with, and, that's that's about it for I as in like COVID really has in, effective measures in schools are still going on and stuff I mean other than the wearing of masks


and, stuff it's not really that much of a, problem per se


as in after A levels I as in I went NS starting with, so after NS , as in really depends on your enlistment dates, so if you enlist,


and maybe finalist next year then I have about two to three months but if I don't then I have a very short period of time, you not going to enlist ya when are you going to enlist from NS I see I see


financial-related topic


yeah I I I do have, some investment I don't have a lot, I generally don't do it on a daily weekly basis but uh yes I do have, some investment uh


uh do you do you have any, I I look only at a few areas for investment I don't have a very wide range I only focus on some things on on the things that I can that are available to me and the things that I can understand and kind of manage


err so , I I have a few areas, uh one is uh property , then maybe some insurance


then some stocks, and some uh unit trust, maybe, err I can talk a bit about the, liquid and non-liquid, type


where property is concerned I consider it as non-liquid, and then those that are cash or easily converted to cash are the liquid type so generally I won't put everything into one area you kind of want to diversify some here and some there


and that's generally the principle for investment so for me, property during our time when we graduated uh was kind of affordable


I mean it's expensive but it's still affordable and err if most of us had taken the opportunity to jump in those days, we would have kind of, almost a no-brainer make some money


uh unlike now where you, know it's like kind of difficult, to make err, say double the amount or even one and a half times the amount of property, so , so for for property


which is very non-liquid, uh you don't want to put too much cash into it, you want to stay liquid, maybe half and half, I mean depends on your, on what you need to have on hand and what you can actually sink


oh I think uh ya very good question firstly, if you buy a property to stay in and if you want to buy a property to invest and gets a


rental income uh you look you kind of have to look at these two areas, differently, so if you want to stay in then err you don't need to look at properties in like orchard road you don't have to look at district nine ten eleven that kind of thing uh where you feel comfortable in your own little comfort


near your your parents or near your in-laws or near support, uh from another family uh, it is good right but if you want to buy for investment then you have to look at properties in areas which would fetch


uh good rental which would fetch good appreciation, I err and uh, maybe not so much as I like this house but it is in sembawang and uh the


the, time to develop Sembawang would be twenty years down the road to do you have, that long to wait, right so I think mostly for properties, usually location location and location


yeah yeah that's true, yeah you have a good point so uh in all your, financial calculations, you have to , kinda look at what loan you can afford and how that loan


can be serviced either by you and your spouse or you and your CPF, or even uh the the rental income that you kind of expect to get so if you , yeah so I I mean you uh if you if that is not your going to be your stay in home but your investment home it is likely that it will be rented out


to a tenant and err that's how you collect some kind of, income passive income if you, can call it and try and service the mortgage that you would have taken out for this property right


so , yeah then you have to look at how much you have to repay in terms of the mortgage versus what do you think you can get in terms of rental, so obviously the same size apartment in some remote area like Sembawang will not fetch as good a rental as downtown in orchard road


or uh shenton way that kind of area lah, so in a uh, with that in mind you have to moderate the amount of loan and, ultimately what you can, afford to pay for the property uh what do you think uh yeah


yeah because those times when we just finish school


most of us would have if you work hard enough and you have a, steady enough job you would be able to afford something I mean if you get married or even if you don't get married you would, be able to afford something


unlike now where, I see my kids you know they can't even buy their own flat, uh yeah they can't even buy a car not to mention a flat so yeah, it's different now and uh to hope that you invest in property


err I think it's a very hefty amount that you put into, but, I don't know if the returns are just as good as before is probably not, yeah


so that's for property it becomes very hard to move, property, if you are trying to catch the upswing of property and all of that that's it's not so easy now I think err


a lot of hype regarding property but actually when there is this ninety-nine year leasehold, err tax on that property, actually ya ya that's right that's right you just


uh after about like twenty years, you you either find it's very hard to you probably find it's hard to, sell it off yeah correct yeah and uh would it appreciate a bit ya maybe but think of the risk


oh ya the HDB problem right, err at first if they you uh for the past what twenty thirty years it's like an asset that will definitely appreciate now we are told that at what ninety-nine years the thing just goes down to zero and where did all your CPF go into the property


so I think uh over your whole life you can't be working


somehow or the other you will have to stop working, at some point in time and you still need to have some income, while CPF pays out something it's not enough really if you want to try and retain some of


the, lifestyle that you are used to while you are working so the only way is to have this very long term, uh planning twenty years twenty-five years, buy into some kind of insurance plan


different, kinds of plans lah right some of them !huh! sorry, oh really great what what kind do you have


how how how how long does it stretch for like maybe after ten five or ten years you can start withdrawing the coupon correct


actually my first insurance plan that I bought err was really a mistake, uh I were I I real I I tell you and I found out, this only like maybe


in five years into the plan, so, yeah it's about time that, I really look at something else, uh that is err that like you mention cashback at after a certain period of time


ya it was like a bit, maybe endowment or what uh what have you yeah but uh uh, ya I think I made a mistake with the first one, so, do you have uh do you have a few types that you bought or just


sell put options


oh I see


that sounds very good


actually it's quite good ya the course, after, it's like after sales service after you attend the course, they still handhold you for a year and the best of it all is that there is this community which uh which uh you can can uh turn to for support for consultation for discussion and uh because you all started off uh from a course about the same time


so you kinda kind of uh help each other to get onto this very strange thing to me it's called this options trading yeah but what about unit trust I think uh uh, sort is a lot simpler than uh this very complicated options that you just explained


the red button you press stop


negative experiences, I remember was it, twenty one five, twenty one five twenty one six, it's january ninth was it it's a very


it's a date that will forever err, be marked in my memory, I know it started off with a very simple ride to a very nice and quiet reservoir


uh I planned out the route and err, we would met we would meet at our my place because we are going up north, if we were going down south then we will meet meet at the block one two eight but we are going up north so we met at my place we went up north through #ang mo kio# Nanyang


polytechnic right, then err, apple NCS area, and then we cut across to lentor, we had to we had to ride on this, it's a very big road


oh yes it was so dark you can barely see, the pavement that you are riding on and I remember one time I almost rolled into the drain, there was no there was no barrier, and


and it was just by fluke that I saw it at the very last minute and turn the wheel immediately and or else I would be in the drain okay never mind it was such a frightening experience uh, so we went down this lentor road, I think we


were fortunate enough to find the underpass, to springleaf was it springleaf park connector, is along the waterway


where Seletar, upper Seletar reservoir drains the water, into lower Seletar reservoir, cause you know there is this dam on upper Seletar reservoir when the the dam uh overflows the water has to go somewhere it goes to lower Seletar reservoir and the waterway is this springleaf nature park


so after that springleaf nature park we rode up to old upper thomson road


yeah you know it was by by fate by chance, maybe by the grace of god cause most of the time I would, be leading and I wouldn't know what's, happening behind me, but it so happen I stopped at that intersection and I asked you do you want to go up upper pierce or what and I was fiddling around with my GPS on the phone


right and I say just go ahead because it's a straight road in and a straight road out there's, no need for navigation you won't get lost so you went ahead first


uh yeah right


it's it's a very skillful surgeon that did all of these internally and, left your your your your your front the face the skin all untouched except for that, upper lip that you know there was a laceration there


you're not too sensitive about that


take from the left uh take from the left err on the profile uh


I understand how was how how was your eye I think you had some uh trouble seeing after the


!wow! and that can


can can the insurance pay for it


yeah you have a very good plan


yeah nowadays ya, actually during the time you were in the evacuated in, into the uh to to the hospital, I looked after the other two bicycles


and my own, and, actually I did wonder, how one person me could could evacuate all these three bicycles, err back


uh doesn't matter where as long as it's one of our houses, so fortunately, your bike and bruce bike were foldies, and could be folded, so


thankfully my son could drive err, our MPV and uh evacuate those bikes, I was on the verge of saying look if uh there is not enough space for three bikes to get into the car


and who would have thought that the car could take three bicycles, so I would say look just just take the two bikes home, and I will ride my own bicycle home, although I actually wanted to go to the hospital with you, but anyway uh


all the three bicycles got into the car, uh so my son drove the car home with the three bicycles and drop and of course before he did that, he dropped me off at the hospital, so that uh yeah ruth was already there


and err , fortunately, your colleague, was my ex-colleague , well they kept asking me who's your next-of-kin you know and how would we know right


so uh derrick, being such a nice guy he always kept in touch, once in a few years once, here there when he's back from china you know he kept in touch and so we always had each other's telephone numbers


so that morning I text him and I called him and guess what everything had to come to, ahead I, left my battery on the bike at the bike is at home right because my son took a bike home my phone was on low bat I couldn't really call derrick


too many times before the phone Kaput, and so uh I text him and, finally he he he really ran around to try to get, the HR, to get his boss and HR to release


your next-of-kin details, and then I could give it to the hospital, yeah but you know I had to, yeah I know I remember that but you know the the hospital kept asking so I had to produce something


oh I see so which which brother is that, oh I see and, which one is the one that lives with your mum


oh I see I see what you mean


yeah that's good I think she kind of like , resigned to the fact that you will ride, and uh, you will ride safely now , and uh uh, the best she could hope for is that uh nothing happened


and, yeah and so far it's been good right I mean we all have our small little trips and falls uh in including myself uh when you can't see the stone and when you yeah, you kind of like slip a bit but I don't think we have major accident since then


yeah I agree I agree (uh) we have ended the session


positive experiences


so #wai see# I saw that list that uh was sent out and uh among the very many, topics that were given was this thing about err, travelling


err describe one of your most memorable travel experience, !huh! you saw that, yeah so so I, remember this trip that uh we took to melbourne


that was last september, err think was it like maybe twenty days, and we actually before this we plan this very long drive to adelaide, but somehow or the other we thought it was a little bit too strenuous and then we


I think we recalibrated the journey and turn back halfway do you remember that trip


yeah that was for me also I uh, had it was it's been some time since, I took a long road trip uh in fact all my holidays, is about this mode uh road trip type I like to be on the road I like to be in a car uh driving to wherever I want to go instead of being in a bus with twenty other tourists


and everytime you need to go somewhere you have to wait for like nineteen other people to get into the bus


oh I see, but I thought uh we we did pretty good planning, covered about


we covered about just about uh one thousand two hundred kilometres point to point and that does not include uh when you get to that point the the the roaming around that, particular area doesn't include that so I think if you uh just add that in it might end up to be about a thousand five thousand eight uh


thousand five perhaps kilometres of driving, oh I see you know there was this, uh drive along the great ocean road but you know coming out of melbourne we had to drive down south first to geelong and then uh join the great ocean road


after geelong uh the first stop was this, apollo bay err, there was this wonderful, uh mariners lookout


uh this uh high point that we climbed up the uh a hill, it it's the mariners lookout on a hill so we climbed up all the way to the top and when we look down at the beach it was an amazing sight it was so peaceful


the waves were coming in so nicely fresh air in the morning and uh, after that we went to this uh farmers' market right, and for the first time


I saw wool being spun, from raw, raw wool, shorn from the sheep I mean they probably treated it with some chemicals first before they tried to weave it so remember this guy he was he was uh using this


hand this wheel that uh and he was spinning the wheel, uh with uh raw wool and it spins into a yarn, and, and and then you get wool out of it and then his wife was taking this wool the yarn of wool and knitting it into a sweater


err this, how they did it in the old days and by golly you never get to see this kind of !huh! would you would you ever ever imagine how the wool got, spun from sheep


into a sweater, right, yeah and I think uh it's very good it it was such a simple exhibit and yet it was so educational, yeah it'll uh I think it was, it was quite amazing I mean we must looked quite Suaku to these people we do this every day uh you you mean you foreigners don't know


so then uh that was the beginning of, that was the beginning part of that wonderful drive called this, great ocean road right it's uh actually a more war memorial uh


from the world war two soldiers that came back they built this road as uh in memory of all those people who fought in world war two and uh they became known as the great ocean road it's, next to it's literally literally next to the ocean


the southern ocean and, the sights that you see along this, incredible road it actually the road itself is just a nice asphalt paved road, but the sights along the beach uh the natural wonders of rocks from ancient eroded by the very strong waves from the southern ocean [orh] the


ah right yeah that's it that's it yup that's one ya , yeah it is uh I mean every time you look at the waves hitting against those rocks and uh some parts are beach I mean there's very little beach but most parts


were rocks right ya and the I mean if you look at the power of the waves, coming in from the ocean and hitting against those rocks, you wonder how long they will stay there


it's like yeah it's like this this thunderous roar, yes is it's it's quite amazing you you you you you look you know you feel as if you can stay there the whole day just watching the waves coming in


ya and there are so many rock formations that are so interesting over there err, oh yeah


and it's out in the wild, it's, yeah it's out in the wild yeah, yes yes oh jeez uh I'll never forget that one ya I had to climb over those rocks


yup it's it's for free


yeah we couldn't go out but then that's to protect and conserve that area for the birds yeah, but it's an amazing coastline the coastline is so rugged it's so beautiful and uh, I guess that's


uh it because it's so rugged I, think uh in what the last century there were so many ship, that couldn't, yeah they they couldn't navigate that very treacherous waters and then they crashed into the rocks and they sank so they call that the shipwreck coast


so it's uh quite amazing


oh yeah those cute creatures


oh yeah they they have a expensive appetite


I think nowhere else you would see possums it's only native to australia, err and yeah it it's quite amazing thing to just go there in the middle of the night and find that they are, so many people there feeding possums in the middle of the night


it's so uh yeah it's err it's all natural I mean it's not one of those man-made, attractions in the zoos scripted with all this kind of uh uh shows yeah it's not they so natural yeah, yeah yeah


yeah and and you know after we finish with the coast, and we were going to turn inland uh what happened was that we met up with uh we went to this visitor centre and then they uh told us about this mount schank


mount schank along the way to blue lake holiday park that we wanted to go to and, it wasn't on our itinerary but be somehow the other found it on the, so we made an unscheduled


unplanned detour, and we found some more holes right the one in the middle of the road , then we found this uh mount schank, which was a volcano I think it was an extinct volcano


ya and then we climbed up that volcano my gosh, uh it I mean it was never on our it itinerary but the folks at the visitors, uh centre, actually told us about it and then we made the detour


uh just to climb, yeah that's right they tell you things that are very much err how would you say uh on the ground uh very much localised and err not in the tourist brochure so you are going to places and visiting places that uh uh


quite quite unusual like uh [orh], that one's so beautiful right


the first day we climbed up that place


oh yeah all the heights


I remember that sorry I remember that place is called the pinnacle the first day when we climb over the rocks and uh, the grand canyon and all of that and to get to the peak ya it's quite it's quite some view up there


but the waterfalls are nice


there was the mackenzie falls the most uh glamorous the most uh the biggest, uh water uh mackenzie and then that was the broken, falls remember and then you have to hike in, somewhere to see the silverband falls


err then we climb up uh we we drove up to this vantage point where we could, see lake bellfield, that lake that's down in the valley yeah so I I think uh


yeah yes there's a zoo there, wildlife yeah wildlife in it's uh natural form


habit ya correct right, then we also went to this , brand book visitor centre and the lady told us there was this mountain err that we could walk up


and the the word is walk because you don't really have to uh dashed through jungle to get up there there was a, err steep, no I thought uh pinnacle was very steep and the I mean you really had to clamour over rocks but this mount william we parked half


ya she can't stop the momentum


it is painful for the hips and the knees, but it was some climb uh it was almost the highest point in that


that area, err there was an air navigation system right on, top of the mountain and uh, associated, communications tower there I think, but still the view was uh very nice and as you walk up the colors changed because the sun


came from different angles, as you climb so it was quite, refreshing to see a different kind of scenery compared to, compared to the concrete jungle in singapore


oh ya the alpaca, our friend what's his name john was it or daniel he had forty alpacas on the farm


miniature donkey oh yeah


yup that's right they, ya I don't want to be too close to those animals although


actually they are not ferocious they are quite they look quite, harmless they look quite tame they look quite cuddly actually


ya it was very good accommodation


we should plan some more , ya the all the national parks


just about yeah we've just about hit the time, can we press the button okay


done, financial-related topic


okay cynthia hi just wondering do you have any investment and what kind of uh investment do you do


so so when you buy property how do you know which one to buy ah


yeah but you know how do you pay for expensive property like there I mean of course you like to have uh buy property for rental at a good location but it's going to be very expensive right


yeah I think that's my problem lah ya because I I I don't like to err be in debt ya so I never got any property maybe my greatest regret


it's not worth it anymore right , sell it all much much like HDB lor


ya goes back to the government I think I'm not sure about that but yeah


(mmhmm) (mmhmm) yeah me too yeah I also have insurance plans yes yeah


uh those uh one-time kind uh once off you pay the the the full cash amount and then four plus ten plus fifteen kind of thing and then and so you will have a cash-flow back


in the later years


do you have uh cash err cash value uh but you don't want to cash out then you just leave it leave it to compound the interest don't don't you you you don't you didn't get that kind of uh insurance


err a few types lah but I'm generally a low risk taker and therefore uh I buy insurance that are capital guaranteed and yet it gives me I mean they


promise ah but but no no hard promises but so far so good, err you know the interest is much better than the banks so so that is insurance policy these kind of uh policies and I think I also have couple endowment but


but now nowadays I start uh started tr! uh trading uh in options , and that is because I attended a course, and uh actually I attended several course on investment because because I


I I realize that keeping money in the bank is not a very, good idea because the interest is really so miserable alright so uh so I started looked err attending some courses so I did courses like I like uh stock trading with adam Khoo yeah and then I also


did err, forex trading yeah, I I don't know why I did that but but I realise that, err I dare not really trade and I do not feel confident and then I chance upon this


so-called uh, options trading and , intro so I went for the intro and uh after I listened to it I find that eh it makes a lot of sense and and this course actually allows me to uh not not only after the course they give you one year of mentorship


by the trainer so they sounded uh so so so I I went for the course and after the course, uh because of the one year mentorship you know I was uh eh the trainer actually handhold us


into err issuing trades using the option strategy that he teach, and looking at the and so that's how I started my options trading and because of the mentorship I gained confidence and there's also err


a graduates community that will help you that you can ask questions and then you know if they know the answer they will uh, they will reply you know so the strategy that I normally uh there are many many option strategy but the one that I use uh is basically call put spread uh put options okay sell put options


yeah, ya so basically is actually a very simple concept so let's say the stock price of the stock that you are interested is at forty dollars okay and and you have a


a sell put op a sell put option trader generally buy err, the the option at a lower strike price lower price okay so so sorry not buy sell at a lower price so let's say I sell at I think thirty-eight dollars is a safe err safe price err to to sell


and I get a premium somewhat the buyer will pay me say ten cents or twenty cents whatever, and and to protect myself you know if if the price falls below uh thirty-eight alright I want to have like what if the stock


err community will talk about uh stock lost so I will buy back uh I'll buy a strike price which is like thirty-seven dollars so my maximum lost is thirty uh one dollar thirty-one dollar


okay so that would give me some kind of protection and then at the end of it at I still get a net credit okay for a expiry period say one week, alright so if I'm happy with that alright so I don't have to monitor it everyday that's the best part but towards the end of the expiry alright may be one or two days before eh uh uh one day before the expiry and on the expiry day


I look at the stock market you know for my that particular stock if the stock price is above my sell price okay then I'm not obligated err to do anything because the buyer will not exercise their option


ya so I get to keep the premium I get to keep the ten cent for example uh okay but if the stock price goes uh in-between thirty-seven and thirty-eight and thirty-seven say thirty-seven point five then I need


to make a decision and the decision is very simple I either close close off this trade alright with some kind of pay pay to close it, and then I will, I will look for err


options okay at a later date for the same stock and at a price, at err that I'm happy with and at a premium that will help me to compensate my my loss so


and then I I I place a trade and so if the next week for example you know uh for the next week and , if the next week the stock went go up again you know and doesn't come in err come any lower than my strike uh sell uh put strike


then the option will expire worthless and uh I get to keep all the premium so imagine uh imagine if, at the end of the expiry okay the stock price is above my sell price okay my sell put our uh price then I'll get to keep the the profit and it the ROI is really very good compared to


compared to , putting money in the bank which is very like zero point zero five or zero point zero one or two per cent I get you know uh double digit ROI per annum so yeah


so and the best part is I can sleep at night you know I don't have to, watch the the the stock market and stare at it you know , to to decide whether should I do anything or not so so that it gives me that peace of mind and I don't have to be so Kanchiong


right I I don't have to be so uh panicky right and and if I I have a problem okay I can actually ask the mentor or ask the graduates you know for help and then they will give you some advice what to do yeah so so that's


my option strategy, yes yeah


yeah, oh my goodness, yeah I had I had


one unit trust and only one and I really got burnt, it was from someone that I uh a friends uh introduce me to this person and what I don't like about it is that uh there's a huge management fee the management fee is you know whether you earn uh whether


the the it it it how did what what what's the term for it whether the err, let's say you you you pay ten thousand for it ya okay and then every month or something like that they will show you you know how how how the basket of stock


yup, negative experiences


twenty nineteen yup twenty sixteen


very narrow pavement, that is a bit undulating yeah it gives me the creeps really because err in fact in fact I actually hit against, the what do you call that the bus-stop ya and because it's also upslope so it was really difficult to to start the bike


when it's a upslope and in uh because it's also very dark very early in the morning


I remember there, we stop right ah the old upper thomson road is like really a winding one, and err, and then we I then we stop at the corner then I remember you ask, uh #wai see# do you want to go to the upper peirce reservoir or the lower peirce reservoir if you go to the upper peirce reservoir road we will still have time to do the lower peirce


you know and I said okay let's do the upper pierce and then I just rode off so I was the first, I was the first one and then, bruce and then after that it was you right so you were there last ya , at and


and and usually I never go ahead right I am always the one who just follow I am never the bike leader, and and and and, and so so this thing happen and all I could remember was that I stop at old upper thomson road and ask you this and then the next moment


I woke up, the next moment I was in the hospital, I really don't know what happen, I have no memory at whatsoever about what happen and then I was told that I had a bicycle accident and I had a operation


and I have uh I've become suddenly bionic, uh with err how many ah, uh one five ya one on the eyebrow, on my nose my nose area err there's a L shape thing L shape one so there's two pieces so three pieces and then two on the


jawbone , ya two two pieces on the jawbone, yeah and then my my eyes was like bloodshot, and double vision, yeah just the left eye, and err so


and I had to stay in the hospital for, quite a long time I cannot remember how long, ya but at least more than fourteen days or something like that until I got really uh tired of uh, staying in hospital and uh


doing nothing because my phone was like, completely locked, I cannot remember what's the password and so in the in the ward that I was put in, although is air-conditioned it was like supposed to be a temporary B two right B two ward right cynthia


ya so there was no TV at all you know so the only TV is in the common corridor out somewhere you know I have to walk out with, you know so, yeah so there's, absolutely nothing nothing to do there, I can't read anything you know because


I just can't see, you know , yeah with with with with this double vision thing you know and and and the thought of you know, !wow! I could have actually died, you know and I was told I had two blood clots


on my brain in my brain, and they didn't do anything to it and I think I'm glad they didn't do anything ya I can't I can't imagine err you know operating on my brain you know , and and I'm I'm really very very thankful


that , apart from from those , metal pieces on my face, right and err uh it was very uncomfortable because err I think, the


the surgeon the the oral maxillary surgeon actually did all the things ya, inside through my mouth you know, and it was very uncomfortable because err I could feel the stitches you know err inside


but outside you don't see any scars you know so it's quite quite amazing how they do it you know


yeah and and that that that is that is really painful really painful because err yeah you becomes a, from what do you call that a keloid, yeah I never had I never had keloid in my life you know so I have like


err two, twenty cents coins on my legs and then one very very small one on the other side, and then the lips one it was the worst yeah the lips one was the worst and , and after you got healed it has this keloid and then I went for


err steroid jab to , try to reduce reduce it, well it help for my knees, so the knee uh was err much much flatter and and you know the two twenty cents coin


uh one of it become really flat, and err and pale right, yeah err at and uh quite thankful that you know , the lips part you know keloid was not as dark


as my legs, err the keloids on my legs the keloid my leg was really so horrible-looking, and uh, I think now I I don't even want to wear dress anymore, you know but not that I'm conscious about it lah but I I do you know wear bermudas out you know and I I don't heck care about it anymore


uh but, it's it's like !wow! really horrible horrible keloid, and so so this this keloid and the lips yeah I came to a point I went it was really painful when they they inject, uh the the


the doctor say oh I think it's a bit too thin now err, I can't do anything about it so, ya so I just left it as that lah but uh, yeah and it , actually pulled my lips up


ya so so my lips now is a bit distorted , ya but I don't heck care anymore lah yeah at this age err, ya no one to, not too sensitive about it yeah but of course I I don't


I I don't enjoy taking photos anymore these days, of of myself you know, err because, I don't smile as as as what I used to anymore and you can


I think no matter how you'll still, see the lips uh quite unbalanced so, so it's quite err , ya I think I think if if I'm really young and err you know, uh marriageable age uh I think I'll be really very very uh sensitive about it


ya so the did I lasted, you know about eight months, ya eight months and and and err I almost gave up and so I asked I went back to the doctor and uh ask the


optometrist you know uh doctor that uh when I went for the last review to write me err a letter, so that I can go and get a prescription, a prescriptive uh glass prism yeah


and uh because, I I almost gave up because it's the the that guy told me oh I think you are more or less stable and , yeah the doctor say, probably there's nothing I can do for you you know or what what what else can I do for you so


I ask him to write a letter so that I can err get a, prescription lens uh glasses which cost me like, maybe close to four hundred dollars, yeah


I think so I think so because because, err I went to the my my optometrist uh my optician that uh a friend a church friend that I know , and so he he assess he says I think you need , a good frame ah sturdy frame and light because the glasses would be heavy


so I got a titanium frame first time I I got a titanium , err frame you know, which is also quite expensive and the frame itself is expensive and, and also because I'm progressive right so it's a progressive lens, and I thought you know since err


my normal glasses is uh blue ray progressive, err transition lens, you know so therefore, what I I'm gonna get, should also be, of the same specifications right


I shouldn't be anything less right, ya and then can I ya ya I managed to claim from the insurance yeah so I'm also very thankful, that, you know when I left my last job, and the IT job with this company I


yeah and uh, uh this this this insurance err, adrian a friend or uh ex-colleague of mine told me maybe you should, get a a good uh hospitalisation plan and, and and that was what I did ya so so despite the traumatic experience in the hospital yeah I


I not only able to claim all the, expenses, including the glasses, but everyday that I stay in the hospital I get money, ya it's very good ya so yeah makes it worth it to


to to pay ah , to pay for the insurance and get some something back, ya so I think hospitalisation insurance is is so important


yeah oh I heard about that oh goodness


and my mom got a real rude shock, oh my goodness


yeah I after that after that I when I went back to work I change it to my brothers err, number and not my my mom's home number, yeah, yeah I did I did yeah I don't want to give her another shock


if something happens, my eldest brother


so I can't give my second brother err, number because they live together yeah, so so has to be my eldest brother yeah, and and, and arising from that I'm I'm was like banned from cycling you know err yeah I used to enjoy cycling


home, to my mum's place you know err and as part of the exercise as well as uh save on the, the bus fare you know , until this COVID nineteen happens, and and then err phase two started and


uh so I give the excuse that I don't want to take, the bus and then uh cycled, to my mom's place to visit her, and and have a err , a meal together and just to catch up with her


just spend time with her and and, and amazingly she didn't say anything, you know and, but when I leave you know and cycle back she says, please call back call back and you know err


and she just wants to ensure and and she keep telling me oh, don't cycle so fast don't cycle so fast you know, but I know she's worried lah, but , but at least she's not giving me uh


err what do you call that ah, she's not nagging and you know nonstop you know, and if she if she she gets very upset she'll nonstop nag at you you know, uh but at least she she wasn't doing that lah so so now and then I will cycle


to, you know weather permitting ah


so this this this bike accident I I I, I took, a few months right before I started riding again and and, you know even starting from my my place, down the park connector is already a slope already


uh uh ya is is is is is not steep but the bicycle will go really fast, and I I cannot imagine actually we think about it ah my fall was so bad right, had surgery and all


but my bicycle, was like unscathed, only uh only a little bit you know err of it was chipped you know so is quite amazing really you know I am and I'm really thankful that, I


generally don't, I generally don't we generally don't err carry anything on our back right when we cycle, and and it that, that day was really an exceptional day , where I wanted to, go for bible study go to church you all drop me off at church then I


with that with the back, pack you know uh have change of clothes you know, yeah and, I think I think god was really good lah god is really good you know, and like, ruth always say you know to the angel there you know


yeah so so that's my, most traumatic experience, you know and uh first time I spend such a long time in uh hospital but you know , something good came out of it lah


in the sense that, during that time when I had nothing to do, I could only pray, and thank god you know with a real grateful heart, yeah, ya so is a revival a spiritual revival for me lah, yeah okay


yup yup we're and then extended long time okay


yeah, positive experiences


oh yes (mmhmm)


ya oh yes is to is my first very very long road trip overseas, maybe not not the first but yeah but it's a really long one and uh was really quite quite nice


yeah but that's never my my style of uh travelling because I don't drive so I'd won't dare to drive, yeah on my own and so I normally solo travel on my own and not not even not even take tours I mean not not not as in tour from singapore


ya usually I just go there and book local tours if I want to or I just bang around myself you know ya make my way to to different places on the bus or that kind of thing yeah


we sure did and are you the master planner or


so so what's yeah yeah so what's the highlight for you, ah yes


oh yes yes, cabin


oh yes yes yes I remember that (mmhmm) raw wool yup


yup


, yeah what else