that school had a lot of bad memories ah, think I will say ah ah (hmm)


I think one incident that also stay with me, also happened in the school you remember at madam ann yeah, so basically it's like, err I think it was preparing for the school event and then


uh my teacher ask me to submit my consent form, and then I, forgot for like one week , I didn't submit the consent form for one week, so she complained, to madam ann instead, and then I remembered it was like during the exam period


so madam ann was, she was the invigilator for my class, and then at the end of the paper she told me err meet me outside staff room want to talk to you, then I was like uh oh what's going to happen, so after the exam I went up to the staff room


and then she told me ah, where's my consent form, and then, I remember that night before I packed my consent form into my bag, because I wanted to submit it, on that day


and then I try to search my bag I did not even find it, and then, I told her !wah! I cannot find my consent form but I already signed it then the next thing that happen !wah! I still remember is like she just grabbed me by my collar


from one end of the corridor, to the other end of the corridor, like, thinking back I think that was just crazy ah, is like !wah!, , basically, being manhandled [sial] by the teacher just because I didn't submit your consent form


then she just started, shouting screaming at me, then I remember because there were many students who just finish their paper so they walking around that corridor, then I saw them walk pass and then I felt !wah! this is very humiliating and I was so angry at myself because like


where did the consent form, end up I remembers putting in my bag, and today is not here and then she screaming at me she's treating me like some, I don't know I felt very disrespected lah at that moment, yeah, so as you remember at that day


like I was just affected by it, I think for a few days ya, and the worst part was that I went home I look inside my bag it was there, but I just couldn't find it when, she ask me for the consent form


yeah so I think like that's what ten years ago , and I still remember how I felt, during that incident think like thinking back I think ya it just


some sort of grabs my sightike, how can you treat what I was only fourteen years old back then, can't imagine some teacher doing this quite crazy to me ya okay


tromso ya even though I, I went there before but I want to go again because !wah! it's just a magical place lah that time I went was when uh twenty eighteen think ya


twenty eighteen december, around there, ya winter I went with my family to europe lah, and basically we spend a few days in norway, in tromso then, the thing about tromso is, is why it's like above


I think the arctic circle or something like that, so, during the winter, the sun what it's a midnight sun is it the midnight sun, it's like when the sun is always setting is always set


the sun doesn't rise, ya the sun doesn't rise ya, !wah! and then like, reaching tromso for the first time, it's like, seeing a city blanketed in snow which was my first ever experience


then from the aeroplane I see I was like !wah!, it's like a, like a winter wonderland like that ah , and then, ya and then how, like the whole vibes of the place especially since there's no daylight


so it's pretty much the whole place was as though it's evening, for the whole twenty four hours, and obviously you get stuck in the night lah, was it it's around that


it's around christmas to new year I'm not sure, yeah and then, we went for this northern lights tour, !wah! aurora, aurora seriously very beautiful in real life, like !wah! oh yeah yeah


most lights did like they say most lights are very dim, you have to be lucky to really see the bright lights which I got to see, !wah! , do now like thinking about it seriously, makes me want to fly back there


just to see northern lights, because yeah , the northern lights are usually green in colour right, but that night I got to see pink lights, yeah and then it's like, you can see it's it's dancing


it's like, seeing a huge laser show in the air, but it's completely natural, yeah like, there's just no words to describe it lah if you see it, in real life with your own eyes, yeah yeah


it was the coldest I have experience ah, I think that time negative, low negatives ah low negative I think like negative three celsius, yeah I mean, people say it's not too bad but for me was quite cold already ah


but at that point of time when you see the northern lights and you don't feel the cold, yeah, just seeing this, yeah then very mesmerising, so that's one place I want to go, hopefully if COVID goes away


can pay a visit to tromso again ah yeah then you , any place you want to visit


it's the sakura blossoms right you talking about


kind of want to go back to australia again ah, or maybe, or maybe visit new zealand, yeah yeah and then australia


uh that time you never go with us wasted, ya but then australia we also went, june during the winter, yeah maybe it's yeah, maybe it's because I like winter ah


!wah! but then like australia is also one of the places as want to go back to, because, that trip we had the road trip, then where did we go, !wah! there was this place I think called snowy mountains


yeah, second time you seeing a places blanketed in snow, yeah !wah!, then that part was, I think already had snowfall at that time, if I remember correctly like it was snowing then


like walking in the snow like it's very thick snow, yeah, just a magical experience again lah


I mean I would enjoy sightseeing, in nature more than this kind of, I mean skiing to me it's, too extreme ah first sport for me to take that one definitely to buy travel insurance ah, yeah !wah! but what hiking


in australia we did that or I died, , !wah! I still remember is, like, this really very, steep steep, stairs not even like random terrain is stairs


yeah, very steep stairs for like very long, then I just !wah! felt like giving up ah for real, but then I don't know at the end of the trip, looking like quite funny how something


I don't know seem very difficult at that time, like we still managed to, what complete the whole trail lah at that point of time, what did I want to say ah (hmm) see there I forgot (hmm)


let's just continue talking about travel lah, yeah or you want to talk about, or you want to talk about something else, oh tenet yeah I watched it tenet


it's very hard to understand lah, to me it was very confusing and then, especially because of the, the the , for his mixing the audio mixing, like sometimes


know like the movie the movie audio in general like very hard to, listen to what's going on when they were talking, yeah because , ya they like keep on including very loud background music, then the characters


were speaking softly wearing mask how to listen to the character, then some more no subtitles, yeah ah got subtitles is it oh yeah


I think I choose the one with no subtitles


and then like the fact that, uh she like to really direct things in real life like uh, don't really rely on the, CGI, yeah that makes it like very respectable lah


like sometimes you watched the scenes in this movie and then you wonder like !wah! he accomplished this without, CGI that's, amazing lah like the dedication, to his craft yeah but , one thing I don't like about his movies sometimes like


very tiring to think about it lah like you don't understand then you get tired of it yeah, which also happen to me for tenet ah I watch, yeah, the final scene especially, the end the ending scene yeah that was when


I completely didn't understand what's going on, so I just like lost interest in the movie already, but overall yeah, it's it's a good movie lah like all christopher nolan movies, unwind and relax !wah!


definitely baking lah, but now I mean baking the, the fun thing about baking I think is like, you follow this recipe, and then


magically it appears to be like, it turns out right lah, , and then ya that's the enjoyable part of baking, it's like


ah it's like very instant gratification from seeing your, efforts pay off ya so like and then , and then you can uh wait and then you can like err enjoy what you bake, yeah


think the most recent thing I bake was err the, deep fried doughnuts is that considered baking, I don't know but, ya deep fried doughnuts, it's called bombolone also uh some italian donuts


yeah, oh but that one when I tried the first few attempts it was quite bad, because it didn't, I mean it's supposed to be fluffy, but then the first attempt I made !wah! it's like rock hard lah


and not even proper donuts, yeah (hmm) definitely lah, but now like no time to bake ah, yeah


I mean last time I also bake, ah blueberry pie what else ah the, is it lava cake I think it's called lava cake, yeah I forgot what else ah like during the


semester break I bake a lot of thing, but now yeah over the summer, I pretty much took a break of baking, , then you do you bake


oh ya ya okay I understand


last few weeks I've been looking at, bicycles but, there's nowhere to keep a bicycle in my house lah, if got space definitely I would buy, seems like another , interesting thing to do ah


can become a hobby also , don't need answer this question ah, proudest moment never mind lah


, don't know this one must think too hard I don't like, I don't like things must think what thing, okay best meal you ever had


oh what do you eat, okay,


(uh huh), (mmhmm)


ah, eat it with lemon, !wow! interesting, (hmm)


I see


finance, okay ashika you want to start first


uh okay can so do you apply for HDB grant when purchasing a HDB flat as a married couple or single person so okay as what some of my friends have done


or with their experience that, they have purchased a BTO instead of a resale flat because uh BTO I find uh they found it it's a bit cheaper option as the government has given them grants to purchase a new flat, so in term of HDB uh HDB grant for a new couple purchasing a BTO flat as first timers they would get the first timer grant as a married couple but


as a single person uh I feel that above thirty five years old uh they will also give the grant but unless you're uh unless you're above thirty five, what do you think do you think they should lower down the thirty five years old single person grant or do you think that is it a must to get married in terms of getting the HDB grant what do you feel


ya but I feel the same as well uh I feel that they should lower down it to thirty because it takes about five years to build up a new flat as a BTO whereas as uh resale flat you can just move in anytime but the upfront costs


is much higher and talking about the HDB grant when you want to apply for resale flat they'll give more grants say for example proximity grant or even uh, say there's also the joint singles scheme grant and also for example if you uh if you want to get married as well there's also the the fiance uh fiance finance scheme grant so what do you think about all these grants that the government is giving


uh I think I've to stop you there because uh not many of them will also look at BTO they're also looking at EC's and also condominium and also landed properties as well so for example if they want to get a HDB loan they are, they are being forced to


to get a BTO instead but then there are there are there are also couples are looking at uh executive condominiums that's where the trend is right now I feel, and also that they are more settling to a bank loan with fixed interest rate package and because given that the current situation that no one expected this COVID to happen


uh many many new uh what do I say many new like uh many new uh procedures and uh I will say many new rules and regulations are coming up as well it to to actually fight back the COVID effect uh


say for example the government is giving up a lot of packages and budget budget packages for for businesses to actually overcome uh their to actually cushion their losses at the same time more people actually selling off their houses and downgrading


to a smaller flat where the resale market is booming that's what I feel during this time what what do you feel


uh actually the same thing lah but uh I just want to ask you right say in terms of investing in a property what what what is your take because right now you are saying about people downsizing the couple I mean downsizing their their houses from


say four room to a three room so what do you think of investing in a property or say for example where do you want to invest in a property


actually I would say that now is not a good time to invest in a property given that right now we need to take care of our own rice bowl, because even our jobs are on the line, at the same time for those who have say for example who who who want to downsize from a bungalow house to a


to say uh a jumbo flat so I've seen in an article that uh like two retired couples they were they were living in this big bungalow house and then now they want to downsize to a jumbo flat at just nearby ang mo kio


so so they did that and they bought the flat for like one point one million because it's all fully furnished and all that, but they sold their bungalow house for like three million, so so I wouldn't say that now is not a good time or a bad time to invest it's all based on what circumstances that you're put into and whether you will really need such a big house for just two of them or they want to just go to to a jumbo flat or even to a five room executive flat so it all depends on whether


like your own circumstances you want to leave with your own wife or maybe you want to live with your children together so each of them can have a room as well so it all comes under the comfort, (mmhmm)


uh not say personal preference but also circumstances of your own family say for example right now to start off it's just husband and wife, so I've seen like people going for a two room two bedroom condo or even a two room flexi


HDB flat first and then they slowly upgrade or in other cases I've seen them investing in a EC two two or three bedroom EC, and then they slowly upgrade from there so, everything is all uh based on their own comfort and what on how they want to improve or increase their their family size say for example when you first you get married so you apply for HDB flat you apply for four room or five room so the two rooms which I would say wouldn't say empty but they can make it


into a study room later on when you have kids so that that plays a part but also coming to a point where, how will you want to service that loan do you want to take a bank loan for renovation or do you want to save up money because BTO takes about five years to build


and then uh for recent flat ya you need to you need to take a loan renovation loan and depending on the interest how much you can pay back and also there's also uh the the furniture cost as well that we need to take care to take into consideration you need to buy new TV new air cons


so uh everything is taking a toll on, on yourself where if you don't secure a good job or good revenue or income that's that that is coming in will you be able to service all these loans


ya and and also uh actually speaking from experiences from my friends these five years a lot of things can happen so one bad thing is touch wood lah uh, they some some of them has broke up after after signing up for the house and putting a huge huge huge deposit


as from their CPF and it doesn't take so long for them to actually get uh get get a resale flat so I wouldn't say save up the money but I would say really create a bond between the two of them to actually align themselves in the same perspective of goal


that that both of them are looking at


yes you are being locked in for five years till they build till they build up the flats and then you need to pay the the remaining amount before you collect your keys that's what I understand as well, (mmhmm)


uh and ya some some of them might just lose a job like say for example two my friends they have already secured a flat in uh in toa payoh area but uh the husband lost her job lost his job and the wife also lost her job due to COVID


oh and ya that is set to here and then in like next in like maybe say in the next six months time they need to get the house keys so they will need to secure a good job so, fortunately uh the government has uh has released this traineeship schemes but there's reduction in salary of what they previously used to earn and all that because they were used to they were they're not say used to but they were working for private firms so I would say that working for a government firm would actually


secure your your your financial income monthly and also at the same time uh would cushion your losses as well


ya and also I understand that uh some of my friends fortunately have bought insurance and also have also invested using the CPF so in these difficult times think this insurance scheme might have kicked in, because due to unforeseen circumstances or unforeseen reasons where they cannot service their loan for more than six months insurance will be able to help them to cushion the losses and also pay the the the the the six months loan terms or tenure but there was a higher premium to pay but right now it's paying off


all the money that they have paid previously so I will suggest that insurance also plays a big part of it, uh no it comes together with the housing but they add some add ons to it uh saying that in because last time when it was due to the SARS and many of them uh lost their jobs or they got reduced in income so learning from that they they invested more in insurance


say for example monthly uh they pay about maybe six hundred to one thousand dollars of insurance, ya so, (mmhmm) we just take life for granted ya


(mmhmm) yes it also benefit you and people around you as well especially your family and also ya uh definitely it will be a cushion for your losses where insurance, it's it's a place where uh it's actually a avenue to fall on when


when uh when something bad happens lah but and also it also gives you the the not say the hassle but it takes off the burden of your shoulders saying that okay I have something to rely on in future but that's just a backup plan if all else fails you see


so okay so uh so right now if you want to say for example if you want to get a house or, or say for example insurance plan would you go for a bank loan or would you would you like save up money over the five years for BTO


okay interesting, , okay for me uh similarly like you I don't want to be on a burden of the banks where I have to service their loans every month on top of say example you want to get a car , or even my renovation loan or even uh say for example my study loan and also et cetera et cetera other loans that I might foresee


say for example if I want to go say for example my my parents have to go through a operation so I will need to take a loan for that as well apart from the grants the government is giving as well so bearing bearing in I in unforeseen circumstances I would rather save up the money right now and


actually reduce my spending and actually increase on my savings, I've to start early where I don't think that it's never too late to start from tomorrow


anything else you want to add on, uh I would prefer a HDB loan because the interest rate is lower and it's fixed, so it's about two point six percent on interest rate


uh but for bank loan it might be higher but then uh there's also plus there's also pros and cons where you can also choose the floating rate package but as for me I will just stick to BTO uh HDB loan because


negative experiences, okay describe a time


no okay you can describe first


so so that's why you felt that nobody cares about you


okay as for me the time where I felt nobody cared about me was when , uh was when my long haul flight to london where I had to travel alone and then, I just felt like oh my god none of my friends are traveling with me no one really cares about me not even my family as in I expected some my friends actually travel with me but they just like they said they would they would book the train tickets but


all of us didn't align our tickets together because of uh not enough seats in the airplane and all that , so I felt that they didn't put enough effort or probably we didn't even plan anything but turns out to be I travel alone and all that, so during that time where uh my long haul flight to london it was about thirteen hours I felt all alone I felt all uh I felt that uh we could have planned better in terms of uh booking the flights and our accommodation and everything


but uh but then I had some of my friends who are living in london where they came to pick me up from the airport they were also quite late and they made me wait like for like one hour or two hours, uh so I felt that oh my god like why didn't even I just like make pre-arrangements before even uh or confirming all the arrangement before even getting onto the flight so I felt that that that was the moment where I felt that no one really care about me and


uh they don't want to took the effort to actually come up with something, where where they will like okay guys I'll be there early or don't worry we'll be there picking you up I don't feel the excitement or I don't feel their excitement on how excited I was to meet them


on the same level lah , apart from that uh mostly where whenever I feel lonely or whenever I feel that whenever I'm alone I feel like some sometimes this thought comes out to me saying that I might think that no one really cares about me and uh that I might


I might just be alone or something like that , because when you're lonely I feel that your mind tend tends to wonder and think about uh, think about stuff which really would question your own uh integrity or people around you how they behave and all that because that's the time that you start thinking a lot and sometimes overthinking as well which puts you in panic mode


ya, (mmhmm), so how so how about you uh actually I don't like to talk about negative stuff but uh sometimes you know certain things are really hard to share and uh if you are comfortable you can actually share about what is your saddest moment in your life


the saddest moment of my life is when , it's, I would say uh, actually I have two but I will just share one the one of it is when my


on my graduation day where I felt that I thought I would get a distinction but I actually didn't get a distinction, so that was that was taken a toll on myself because I really studied very hard, actually not not on my graduation day but on my results day when it was released online


so I was really expecting to get a distinction or to actually graduate with distinction but actually graduate with second class honours, second class upper so I'd I knew that I put in a lot of effort I got all the correct marks even for assignments and


uh the the, the exams but, sometimes you know life, life you need to take a setback or take a toll where, where you know everything that you aim for you might not be able to get it so in my saddest moment is when my results were released and I got second class upper I was really disheartened because some of my friends they got distinction even though they never study


so I started to compare and all that but, you see sometimes , life is such you see you need to accept whatever which is being destined so that's my saddest moment of my life, where uh I expected something and I didn't attain it


(mmhmm) (mmhmm), okay so I know that I've hurt many people's feelings because I'm not pizza


I cannot satisfy everyone and, also , sometimes you will not you might not know whether you hurt the person's feelings are not uh unless the person opened up to you and tell you that you hurt their feeling you hurt


their feelings or his feelings or her feelings because sometimes they'll they will just be numb and keep quiet because, uh or if not sometimes they will just cry because we know that they are being hurt, but, sometimes you just need to get your point across saying that even if you cry you not get your stuff because you're not baby


(mmhmm), so uh, I I have I have an incident where recently it happened where, where I forgot to buy uh certain stuff, for a friend, and that friend started to cry and started to say that uh I'm not uh I'm not spending enough time or enough uh things


on that person because the person did a lot of things, for for me or uh for, my family and also dedicated time and all that so I had to be blunt and say that you see sometimes not not everyone are having the same uh blessing or the same circumstances that they're in you need to understand the the person's situation as well uh we not we might not be in the same


uh circumstances when at that point of time where you supported me or my family or by giving stuff uh it made me happy or it it might it might actually uh, boost my feelings or whatever so I know that I was really harsh and I didn't pay enough attention to what the main motive was but I know that


that I hurt the person's feeling because eventually both of us tried uh teared and we tried to fix things together and , okay it was a heart to heart talk as well uh after that we came to a compromise saying that we'll not do it again and things might happen again then how are we going to better handle it


so okay thank you for sharing really appreciate it and also what what is the one thing that , that actually uh, wait ah what's the thing , okay what's the one thing we should never joke about, you must be really stern or strict about it where you cannot joke about this


for me it's uh you cannot joke about, telling lies or even something where we will hurt someone's feelings, so you cannot you cannot joke about something in in uh in the uh as in you cannot use someone as a joke


so you cannot be always making fun of people or in the presence of the person, or if not even behind the person as well you cannot you cannot be doing that that is something which I will never like, to be, to to to like to to joke about lah because one thing is we need to give respect


no matter what circumstances they are in or they might not be as perfect as as you or as us, because you are joking about the person means you must be really better than them or or in whatever way you shouldn't be comparing in in any circumstances, so I feel that everyone should be respected equally as well no matter what you cannot be discriminating the person or not be joking about the person even though you want to be like oh I just told I just said this person as a joke or something ya but no cannot be accepted in that way


(mmhmm) all right, anything else you want to add on on the negative experience, (mmhmm)


oh okay ah popular trend, okay


ya that's why some of the countries they've banned tiktok because many of the couples have separated because of tiktok and also it's taking a toll on on personal lives and many of them are just doing stupid things on the app as well


ya it's that's quite true uh another popular trend I disliked is children having phones or bringing expensive phones to school and showing off to their, younger classmates or to their classmates so I think as early as primary school I think all these children are having most expensive phones


where their parents buy for them and then they bring to school some of them some children might be not as gifted or as blessed as others so they might, take a chance to actually steal the phone or something where I don't feel is a good habit I feel that there must be a limit on


uh on on, the children's age to have a phone where I feel that okay after this age you are mature enough you know what you're doing and then okay you can have a phone otherwise you don't need a phone


it it's either it it's it's either uh uh so so sorry to cut you in but it's either whether it's either our parents are very strict or they cannot afford or they want us to be under the close supervision of them or sometimes it's just like you don't need the phone you just go and enjoy yourself with your friends


you speak to them in person you don't have to call them or whatever so once you spend your time in in school with them you come home you spend your time with us there's no such thing as calling your friend and all that


yes I would absolutely agree with you, okay, oh !wow! this is really quite tough to answer


, because sometimes when I go to when I go to bed I will just close my eyes and I am able to fall asleep because of the long tiring day I have apart from that to keep me awake at night it's sometimes, uh if I don't attain whatever I will in in I don't attain whatever I want to


I might not be able to sleep at night it might be, quite hurtful or quite stressed about some things say for example recently I was actually quite stressed at work and there was this worker who , fall ill so actually quite worried whether he might catch the recent COVID


but, fortunately he didn't but he was under close supervision for fourteen days stay home notice and all that because he was having very close symptoms of COVID , so that was really a worrying moment for me where because I spend quite a close time with him and I might have catch the COVID as well or I might have the close symptoms but fortunately my body was able to fight back


and I was actually I didn't have anything lah I was quite fortunate, (mmhmm), so I was I wasn't able to sleep that few days because I was keep thinking about it lah


alright that's very nice of you to share all these and I think we are done (mmhmm) alright


positive experience, I think I'm a child still but, that's besides that uh doing a hobby okay during


my time as a child we used to play uh okay lah but I don't know what age you say as a child but my child age was say from from five to maybe seven or nine so usually after our primary school days or after our kindergarten days we will go back home


and then uh, I used to collect uh seashells at the beach previously and then uh block catching with my friends and we'll last time we always to play football below the block and or if not we just cycle or kick scooter


or roller blade so these are the small small activities that we do together as a child and makes me really happy and actually during during a child we used to eat a lot also lah, carefree days


no eat a lot with my parents or maybe sometimes friends as well sometimes they bring their own food to my house or sometimes their mum cook something and then they come and give or sometimes when my mum cook something we go and give to them, ya


so I I wanna ask you what is your best surprise, uh no now maybe anything you want to share


uh my best surprise is when I was born because it was very surprising to my family and my, it was surprising for them that was my best surprise because when when because this this stories are being shared


uh because I am a premature baby so everyone was quite surprised that I came out in the seventh month sixth or seventh month, so uh so so ya so that was very surprising for them so I will just take it as my best surprise as well because I was still a eager to come out to the world and show myself show the world my talent as well


, ya I was actually quite I was actually scouted for I was actually scouted uh manchester manchester united but sadly I don't support them you see so I just rejected the offer lah


, no no but anyway okay my biggest surprise is actually my biggest surprise is when I was was given the opportunity to travel to overseas to complete my my uh degree


so my biggest surprise came when I applied for overseas university in glasgow I just tried my luck and I was actually quite surprised to get the opportunity, or get the email from the school saying that I'm shortlisted, for the course and in glasgow so


uh in that in that in that university where only two singaporeans every year will be selected to go to, so I was being very lucky to be one of them, so that that I would regard as my best surprise and my biggest blessing in disguise as well


so, it's very hard to get in and also its rank uh number one of the top field for naval architecture, so that's where I started to pursue my degree and now I'm still in the same field of uh work where I just have passion for ships and marine equipments


!aww! , oh yes okay so the time I spend there I


always have weekend trips where, there was a short trip I made to switzerland uh interlaken, I was actually quite surprised and very or uh I felt uh like I was in a fantasy world because everything is just so beautiful with blue water


lakes and you can even swim in them but it was very cold lah apart from that !wow! it's really nice and also another place where I went to hallstatt in austria where uh I've only dreamt of seeing


seeing the place in pictures but I also went there and also experienced the the atmosphere and the the time spent there was very different and I was there with my friends and all of us were like virgin traveler so we didn't know what to do what to expect and a lot of things we learn along the way as well


how about yourself which which travel experience that left you in awe


all right so, all right so I remember when the first time where where I met this girl uh where I brought her to a concert it's called ed sheeran concert


and ya I had I had I had a good time and, it was actually a pretty good a pretty good date as well I would say because there's so many nice songs that ed sheeran has sang and it also extended to uh to uh to uh to also extend his stay to one more day


so we got the first day tickets and it was standing one so it was very nice


that's nice anyway moderator uh anyway moderator we were at the same concert because I brought and then she was very happy , okay uh continue, a first virgin concert experience


oh !wow! many things would have changed I would actually because I'm a very thrifty person I am actually careful in my spending and if I were to be a millionaire I would still behave the same as how I am now I would not show off that I have a lot of money and I would


actually being humble and not forget my roots from where I came from , so it will not change my it will not it will not change my my lifestyle but if I were to be a millionaire I would definitely donate a lot for charity and help others whom are more in need


of financial things or , maybe they're not so blessed to have certain things where maybe god has given me the signal or the the blessing to actually pass it upon to them I would I would feel it in that way


okay, actually who are the people I most cherish in my life I I first of all I would cherish myself, apart from myself I cherish my mum my brother my family and actually everyone and


why because because they're family and they're blood and they have actually supported me throughout, my entire life in terms of every stages where because we have a close knitted family where uh all my uncle aunties are all very


uh closely bonded with the guidance or with the, with the how to say under the surveillance or close surveillance of my grandparents so so everything they do or they they want to do they will actually come and tell my grandparents so my grandparents with are living with me


or rather I live with my grandparents (ppc), so uh I cherish everyone because we we have weekly uh family meetings sometimes on saturday or sometimes on, friday or sometimes on sunday where we usually speak about stuff that we do for the week or even what we want to do for the following week or even sometimes that we share


uh certain plans that we might want to have for our house or or whatever say for example you want to buy a new car or probably buy a new furniture we will come down to the meeting and then we'll we'll try to to source out for cheap


alternatives or options or sometimes you will just like lavishly spend on some uh some sale which is is which which might be going on over the weekends, or roadshows, but I think with this given COVID situation it has taken a toll on many of us where


uh we can't meet even close family members and just have to be in your own and I think most of them are suffering from depression or loneliness where you're just stuck in your house and not doing anything and just becoming fat, or probably some of them were just exercising as well but it just makes us very lazy so when now when when things are starting to open up


some I think some of the drivers have forgotten to how forgotten to know how to drive because a lot of accidents happening on the road apart from that I would say that , it must be uh in in in it must be uh how to say


you must seem you must take care of your ownself and you must also you must also give uh respect and also take the responsibility when when something some like something like this happens like COVID happens and then, you're not supposed to spread the disease to others and then you just need take care of yourself and wear the mask and be a bit more socially responsible and just stay at home


alright that's nice thank you for sharing


, that's nice so anyway uh coming up to the next one where describe a time when you helps by someone in need in your time of need


that's nice so how about when someone you when you helped, uh okay sure okay when , uh it was something similar but, for me uh I left my uh wallet in the grab because you know when you go onto the grab


you just open the door and then you sit down you put your things on your right hand side so ya I was actually carrying a lot of things a plastic bag so I just put the plastic bag at the boot, and I went on to the passenger seat behind sit down just left my wallet and my handphone in the grab just on the seat and then just took a nap so the


grab driver said okay your destination have arrived and I was like okay thank you sir uh and during that time was you can pay grab using your card so I so I was like okay it's all paid I can leave now I said all right thank you sir for the ride, I just got of the door I left my wallet and my uh handphone on the passenger seat as well I left I closed the door open up the boot take my things and he also left


so after going home and uh putting my things all in the on the kitchen , and then I realise that oh my wallet and my phone is missing so I don't know what to do so I went to contact grab uh through I went to google use my laptop google grab's number call them up using my house phone


tell them that okay I lost this this this so they contacted the driver the driver came back again contacted my house and I went down and he was really very nice and you give me back my wallet and my handphone, then I was okay I was I was to to actually paid to to to pay back the same gratitude and respect


luckily I had fifty dollars in my wallet I took it off and give it to him as a token of appreciation for his integrity honesty and also troubling him to come back again to my place and, giving him giving me back my wallet and my handphone at first he was in denial and he didn't want to accept it and all that then I told him like everyone is fighting for a rice bowl and no one is really nice these days but it was really nice of you to come back and give me the my handphone and wallet


some of them might just take out some money from your wallet and then give you back but he didn't do anything of that he just give me back whatever it is, ya and it was very nice of him, so ya that's all thank you alright


finance


okay I think you start first then I'll reply


I feel like this putting a lot of strain on couples like for those who are around thirty-ish , uh thirty five they are single and then they are really like kind of looking to get married fast just to get the the grant and the discounts for the HDB so I feel like lowering the age


from thirty five to maybe like a lower limit would put off the strain and pressure on those people out there who wants to get their own flat and not a resale


I think it this kind of grants are very helpful for like very young couples , to apply a house and also in terms of affordability because when you are young they won't really have much savings and CPF contribution but with this kind of grants that's given to us by the government will help to offset uh offset the amount of money that


these young couples have to uh to buy a new flats and especially so now the trend is to get a BTO a lot of people are interested in a BTO because it's brand new and, and the price of a BTO is somewhat similar to a resale so more couples especially the younger ones


they are more interested to go for a BTO then a resale so but then one of the cons about a BTO is that you have to wait for five years this which is a long period of time compared to a resale which you can get immediately , but I think many couples nowadays are willing to wait for that amount of years just to get that BTO with the amount of grants that are available


ya I feel like this COVID nineteen situation is very unexpected and has put a lot of people on the spot in terms of , uh their jobs and properties and one way that they can actually help is by selling their property which for example like selling off their HDB four room flat and maybe downsizing to a three room flat at least in that way they're able to have some profit and use that money for their daily expenses and coverage


so now talking about like the bank loan the fixed interest versus the, the fixed interests and floating rate , I think both of it has it's pros and cons like for example fixed rate at least if you are able to fix right now a certain interest


years down the road we're not really sure what is going to happen is the economic going to have a downturn or any unexpected situation so in terms of that a fixed loan would be more suitable but there is also, I mean the pros of floating rate is that we might expect the economy to recover and then the interest rate might


might increase so that's the pros and cons, uh according to what I feel what about you


okay I'm not so well versed in terms of investing a property but from what I've heard, from what I've heard , okay let's say before this COVID situation and all that if a person is already invested in a property they are actually putting a bit of money onto that property so when this kind of uh situation arises they at least have like


something to back up or fall on like for example if they lose their jobs they at least have their property to rely on so they can just sell the property and then use that money from there to you know continue carrying on with their lives however there's also a bit of a challenge to that because like


they can sell the property but is there any buyers are there anyone willing to buy that property in these challenging times so I feel like it's a bit of it's really hard to say whether it's good or bad it's all about whether you're able you're lucky enough to have a buyer who's able to buy that property and for you to get that money


what's your take on this okay


yes I understand where you're coming from so in the end it depends on the personal preference of the individual is it


okay


ya,


okay, so I think I think for these it's


like for example a resale flat if a couple is gonna buy a resale flat it will really depend on how financially secure they both are like for example resale flat you are able to get it readily right so that means you must have the money , to you know to give the down payment and also for the renovation loan but however compared to a BTO the couple can wait five years so my take on that is that


during that five years they can save money for their down payment while also saving for the renovation costs especially so for younger couples, they can use this time to you know save up and ya this will be a good time for them to save up and use the money later on the future what about you


I think this one has to be already established before they apply their HDB they have to see their interests and do they have the same goals towards their future and all this has to be talked about first , before they start applying for BTO and only if they both parties meet eye to eye or uh uh settle their differences between themselves I feel it'll be more confident to say that okay you know we can start applying for BTO you know putting all the money inside


from the CPF and all that because if I'm not wrong uh once you apply for the BTO and put in the deposit in and if you want to withdraw you're not able to get back any of the money so,


ya so if any anything were to happen to the couple during that period of time they'll also be facing a lot of financial loss cause it's really a huge amount of money that uh that's being spent so like what you said uh yes that's one of the downsides for waiting for five years


okay ,


correct I mean like I mentioned just now this COVID is like really unforeseen no one could have prepared you for this but I think it also teaches us and other younger couples that to expect this kind of unforeseen circumstances and to also have some money back up in case of


you know these kind of situations that might arise in the future


so by insurance you mean they bought a separate insurance just for the housing,


ah I see, okay so I think many of them like I mean many of us we think that nothing might happen and all that so they won't really invest


ya invest much uh or they won't even want to have an insurance, but I think because of this situation and and what might come in the future moving forward young couples will be more diligent in trying to get insurance plan that's what I feel and personally for me also I would want to take some insurance in case something happens down the line


ya that's true


okay let's say right now I applied for a BTO and I'm going to wait five or six years for whatever flat I'm applying for since right now I still young I would personally I would like to just save up first, and then what I did was to actually have like an excel template or how much I'll be saving up for the house how much of CPF I will have by the end of


the five years so after calculating all these then I'll weigh my risk and my benefits and for me I would feel personally I would just pay off myself I wouldn't want to be on a bank loan , cause I understand that bank loan will carry high interest and and ya so I would just want to save up myself using the money that I get and and pay off using my own


yes correct I mean right now I think what we the major lesson is with her is to have some money for the rainy days, and I think this COVID situation has taught a lot of us to you know just save money in case of unexpected circumstances but you know for young people like us I mean I'm talking about myself I would want to just you know spend money on things that I like but moving


ahead I think I have to start thinking, more about my future in terms of you know housing or what I want to do in the future and start to save more money so that I don't have to rely on bank loans and uh you know all of these that would eventually accumulate the interest


okay yup, uh what about yourself are you interested in HDB loan or a bank loan


negative experience, okay so describe a time where you felt like nobody cares about you


okay would you like to go first, oh okay so I describe first okay sure I think uh for for this I would say during my internship time, when I was studying uh I felt like uh because during internship time I spent a lot of hours outside of house so I have to go to work early and I have to come back home late


so by that time you know how family means a lot to me and by the time I come back home late and everything it was they've already slept so an internship was for a long period of time so I felt like during that, time I was unable to interact with my family and I I mean of course they also were tired and we did not have much communication going on felt like that was a period where I felt like nobody really care about me and I was actually quite alone in this


ya and and also because I was very tired and was very stressful and having nobody to talk to when I come home and also going home uh go leaving home early it kind of put uh it did put a toll on me, yup


that's for me, ya I felt like nobody care about me because I I didn't I couldn't talk to any of my family members for really long period of time I was also constantly very tired because the work demanded a lot from my side also not forgetting that they're also working and they also have their life going on


and they also have to carry on doing whatever they have to do so in terms of this timing scheduling mismatch , ya I felt like nobody kind of care about me during that time


yup I understand hear your concerns, alright


saddest moment of my life, well to me I would say a saddest moment of my life is my grandmother actually passed away, and it was also during that period of time I was having my very major examinations so I felt like when I was a kid and having going through that exams and my favourite person in the world passed away it was really something that I it was a lot uh took a toll on me I was very sad I didn't know how to process my emotions because I was young


and also because my grandmother was someone I really shared my childhood with I really enjoyed spending time with her most of my time I just spend time with her we just chill together we watch dramas together we go to NTUC and do her marketing together, and ya we just do a lot of things and having someone who I really have put


uh who some someone super close to my heart having her you know passing away and not being there to support me for my exams it was really quite tough and it took me some time to get over it and for me to come into terms of the reality but at that point at that moment in time of course it was very hard for me


yup so what about yourself


alright thank you for sharing, okay so let's move on to the next question, so describe a time when you hurt someone's feelings


(mmhmm)


okay I'm glad that ended well for you, okay so for me I would say the time that I hurt someone's feeling would be actually for my parents I think for me when I'm very stressed or going through very tough period of time I'm very tired I tend to actually put my emotions onto someone else's and take it out on them


and you know I see my parents everyday so you know when, and and in that process some of like very not nice things have been exchanged which I would like to take it back but during at that point of time it was very hard and I had to I actually learned from that


and try to not actually not talk to them when I'm tired or going through something or you know just simply just tell them that I'm not in the right space right now to talk I'll just talk to you better when I'm in the mood so that's the kind of approach I'm taking right now so as to not actually hurt anyone


oh uh I would say to me straight cut will be someone's death, it will be an absolute no go to joke about even if, I mean in no circumstance is uh anything funny so if someone's, death is taken shouldn't be taken lightly ah and it shouldn't be joked in any any any kind of manner even it's supposed to be really funny in their headline thing it's just not it's just a matter that it's not supposed to be touched just leave it like that


no opinions that's all that that's that something that I would never joke about or wouldn't want people to joke about it


yup I totally agree with you as well I share the same opinion about that, okay, nope so let's move on to the next question what is a popular trend that you dislike


, okay maybe I'll go first, so you know recently you know with the circuit breaker and everything and was not able to go home there's this new app called tiktok, so people just start making a lot of videos on it and I and and I found those videos about the dancing very very cringey I don't know maybe it's just me but I really found those that that videos really cringey you know just dancing and and


ya I think it's just more of my personal take on it not sure about you, (mmhmm)


ya and I also feel like it's very dangerous cause some people will be doing like this dance or like these challenges and because of that recording that, they actually put their life and their health in risk which I find it really pointless I mean


these are actually young people who are on this app young as in like primary school or even even younger than that they are their phones they are just you know blindly copying challenges and stuff on internet, and without any adult to actually assess if it's safe or suitable so ya


that's something that I feel very cringey I don't really feel that good about


that's true I think right now , I mean during my, age when I was in primary school secondary school there was no such thing I don't think they and I didn't see anyone of us bringing expensive phones or items to school we were just you know playing and then just chilling


correct ya but I think also in these day and age like students they need their own phone because a lot of, resources when it come to online and they need to use a lot of online platforms so things like phones or laptops they are more


uh in possession of it and they have to use it frequently so I think in this era it's very hard to actually run away from not I mean not not using those phones and those gadgets but at the same time I feel like there should be a limit on the amount of screen time they have cause


you know like similar like tiktok they'll will be more exposed to this kind of challenges and if the child is very young they are unable to screen out for themselves what is right and what is wrong, and what is safe and not it can actually go in the wrong way if there isn't any adult that can actually see or monitor them and offer them the suitable advise correctly for them to be able to be good users of this online gadgets


okay let's move on to the next question so what are the problems or issues that will keep you awake at night


okay that's nice, okay, alright so for myself I would say that the main problem or the only problem would be stuff related to my studies


who I would be constantly worried uh as to think about like if I have a project or any any research proposal that is going to come up I'll be constantly thinking about that like wondering if I'm doing enough, because I feel like there's so many things that has to be done and with the limited amount of time I feel like that's what keeps me up at night because I feel like there's uh more things that I can actually contribute but because of circumstances I'm unable to so I'm constantly thinking of oh what can I do why can't I do what can be done differently


or what should I be doing right now so and and also with the deadlines and submissions and the timeline to meet, I'll be thinking about it and , ya and those are the problems that will make me not sleep even though I'm really very tired but thinking about oh what can I do next how can I break make this project better how can I score a higher marks for this project so that I can know that at end of the day I really gave it my best because I understand that I can be quite hard on myself so thinking about all these just


ya it does (uh) keep me up at night, okay


positive experience, okay so, so how you what's your hobby or activity that you felt happiest doing as a child


eat a lot as in eat along with your friends, oh okay


ah okay all right so similar like you I also used to do a lot of block catching when I was young so after I ended my primary school or you know kindergarten go home wash up so I'll just come down and then ah my group of friends and neighbours playing block catching as well it was actually really fun because at that time I didn't have any phone or you know


that ya I didn't have any phone or computer that time so it was really quite fun to be out there and playing and then come home really perspired and then you just you know wash up and watch cartoons at the end of the day so that was my childhood so I think it's similar like yours lah if I'm not wrong


best surprise when I was young, oh, ya sure uh for me I really like surprises but, you know the best surprises are the ones that you never you least expect so I would say during my twenty first birthday my whole family actually threw a surprise party so it was my my immediate family members my grandparents and my cousins so my cousin actually asked me to come out for awhile cause she wanted to buy something so


I went out with her so once I came back home I found that my entire family were at home with a cake and the house fully decorated so I was really quite surprised because I did not expect it and, it ya I did not expect everyone to be there it was very very nice and heartwarming to have them there


how about uh you how about yourself, so were you surprised or was it surprising for them


I don't think it works that way but okay , oh ya maybe okay ya that is quite surprising for them


, ya probably you wanted to play the premier league right that's why


okay thanks for sharing


ah that's nice so that university from what I understand it's very hard to get in is it, (mmhmm)


ah I see all right how about you describe a travel experience that left you in awe, like you said you cause you you you went overseas or glasgow and all that right so


okay that's very nice to hear, okay so for me I had to do uh overseas exchange as part of my university program a few years ago, so I had to go and I had to go to dublin for a few weeks


so it was very nice because it was my first time traveling alone and very far from singapore, so it's a very different experience because like I needed to be more independent in terms of planning the whole trip and also it's a very different experience cause the weather is totally different from what's in singapore it was very cold over there


and then we had to also find our own accommodation and we also needed to cook ourself and I'm not a person who actually cook you know so being cooking for myself not only for myself but also my friends was a very unique experience and over there in dublin everywhere I turn around it was very very nice scenery


so I felt like the entire experience left me in !wow! so I really liked it and I didn't only travel to dublin I also travelled to other parts of europe like for example within ireland so I went to see a lot of mountains a lot of very nice sceneries


and I also went to london I went to you know see a lot of the tourist attractions so I feel like the whole europe experience to me like left me in awe, yup yup, so describe a time when you can't wait to attend a special event or a concert


actually I was going to say the similar experience as well so I went it with this best friend of mine it was during my uh birthday and so this best friend said like !hey! why not go for a concert and I did not know what concert it was


and turn out to be ed sheeran and I vaguely remember mentioning about ed sheeran to this friend so it was very nice because it was my very first time going to a concert I've not been to a concert ever and, being in that atmosphere and surrounded by a lot of people and also very nice songs


I truly really enjoyed that time and it was very nice something that I will not forget, seems like you and I were in the same concert, , ,


okay ya okay ya that was my concert experience , yup okay so moving on to the next question how would you think your life would be if you were a millionaire


okay so if I were a millionaire I would definitely love to travel around cause I really really love to travel so I would really travel to every single place that I'm interested in like for example entire europe I'll go to the US canada switzerland and many other countries that are on my bucket list


so since millionaire I got a lot of money right so I can spend the money traveling and also probably bring my loved ones along with me, and ya that will be one of the things that I would do but also I would love to help the needy because I would love to give back to the community


more in terms of like people who are going through hunger poverty and maybe also for those kids who are struggling to pay off their tuition loan cause I understand that , uh I feel like education is something that people should have access to but a lot of people in the third world countries especially they are being limited of this


opportunity because of money constraints so what I would actually like to do is to you know set up like a uh maybe call it a sponsorship organisation or something like that to actually you know just help them and so that they're they don't have to worry about the financial aspects so this is just a charity part of it


yup that's what I would do, okay so next question who are the people you most cherish in in your life and why


alright thank you for sharing, so for myself I would say that, people I cherish cherish in my life would be my family as well, so to me I feel like family really is a top priority in my life because they've been there since you know day one till now and they've supported me throughout every single decision be it they agree with it or not they at the end of the day


they always say that if that's what makes me happy they're going to support me fully , so like for example in terms of choosing what kind of course I want to take for my diploma or my degree, I've consulted them for advice and they've given me really valuable feedback and what are the pros and cons of the certain courses that I want to take and so I have also have voiced out what I would like to take and even though they might not be fully on board with it I believe that


whatever I choose or I've currently chosen they've always stick through by it and also when I was going to really stressful period sometimes my studies , they are the people that I actually turn to you know for comfort for for just a bit of a laugh you know and all that kind of like little little bit of joy so these are people I really actually would keep them really close to my heart


and, ya they really mean a lot to me, but yes and I believe that like you know having a strong family support to myself is really a very good foundation


like in a sense that it gives you a bit of a moral support in whatever decisions you're going to take in the future because I believe that it really, ya I feel like this really actually helped me in terms of, my life until right now, yup


so I wait do you mean like I helped someone or someone helped me, okay I would say (ppc) okay I will talk about how someone helped me so when I was really young I think I was primary school or something so I was on the bus to


from school to home and I was carrying my wallet in my hand so my wallet had my ez-link card my money and all that, so I think kind of unknowingly I misplaced that wallet in the bus, so you know when I was young I'm not really sure how to go back home I didn't have much money so I was very lost and then there was this really nice lady who came up to me and then I think she saw me I was really like quite scared


and I was almost on the verge of crying so she helped me out you know she she asked me what's my parents numbers so she can contact them so I gave it to her, and I spoke to my mum and she come and got me at the bus interchange and I think that was very very nice at the moment because like you know when you're really young everything seems very scary cause they're just people walking uh around you and super busy and your don't not really sure how to go back home without your ez-link card and your money inside


so having someone like that help you it really meant a lot to me during that period of time, ya ya and it's something that I'll actually remember forever, how about you share with me yours about yours first


(mmhmm)


(mmhmm), (mmhmm)


, okay


wait the one on the zoom right, oh okay, part one finance


uh Zain you start first lah


okay as for me, uh investing my money I would invest on, I would say doing a business, basically or maybe food because it's something that a lot of people, go for ah or maybe as what Razin said


on property because it's also one of the important things in , in the economy now, so uh ya so how do I invest is that, , I will there are also a few of my friends that are


that are well known in this industry investment industry so like, ya they could be a uh, a key person to this uh investment project for me ah, yup so that's all


ah okay so the strategies that I would do is like , as for now like currently we're just student so the thing that we could do most is just part time jobs lah because that is the most easiest thing to find so I would say that, uh monthly I will save a certain amount so that uh a certain amount so that


the amount eventually eventually after like one year or two years it would , be a reasonable amount lah so for me to like, uh start on after , after I got a proper job


so like example , uh what I would do is I will plan to save up, uh for as long as like, three or five years as a part timer then, the sixth year would be


the time where I save, as a full timer, so like ya that's how I plan things ah


okay so , I spend my money , the way I spend money is quite balanced ah uh basically I spend money my money on every part, which, uh to be specific is like uh transport


uh transport which is, concession then uh food, not too much and also accessories ah, but in this case uh what I've been spending on too much I would say is all my accessories ah something such as like clothes


uh and outfits ah ya I've spent a lot on those things ah yup


uh for me in this case, uh I would do it myself until I've reached a certain amount of, of my finance eh or my savings in this case, once it reaches a huge amount then I would maybe perhaps get a financial advisor ah to plan my finances


what uh, I've never been in this situation before but what I would say is , they should, plan out the things that they are they are spending on and, also


use most of their money to pay their debt ah once they have gotten their salary or something, yup


okay uh so how do I how do I manage my cash flow is that , I would say like, I put around one fifth of my uh salary, per month, uh monthly income ah


into my savings and for expenses, eh for expenses I don't, for now I don't really have I don't really put aside insurance but for expenses, , I would say , three fifth of my salary would be on expenses ah


then the other one fifth would be on, money if uh I have any emergencies or not, during that month yup


uh so uh about CPF contribution uh for now I would say that, I find it a bit uh annoying whenever , there's a CPF, cut on my salary but, to think ahead


I would say that it's very useful lah because, we will need CPF for certain things when we are at at adult stage, or maybe when we are even married like, for what I know if you want to buy a house or whatever, uh we need CPF ah so


for it's kind of uh a advantage for us that are earning CPF contribution at this young age


yup so for to earn extra income, I've, uh I've so called been in this situation and I found a few ways lah but it's inconvenient ah because it burns me out


so like, I've been in situations where I have three jobs, which is quite inconvenient lah because it's really tiring, but to have to be, to find a, to find extra income, uh while being convenient I would say maybe uh if you have a bike


uh you could do dispatch because, that is like own time own target, or maybe you can do a side business ah or on food or clothes, cause currently now, teenagers like us uh like to do this kind of, uh side business which


gives them quite a lot ah of money


uh ya for credit card uh for now at my age now I would say it's not reasonable and not required ah but, also if I'm an adult I would avoid uh having a credit card because it, gives you the temptation of uh spending it unwisely at


certain situations or times, which will, put you put you in a situation, where you have debts, and also situation where you can't pay your debts, so I would say, for now my point of view is I would say I would not own a credit card ah


okay uh I would say that , they should choose uh I I would say that, they should plan out their uh retirement, by meeting someone that is specialised in


in this so that, the money they have the CPF would be well organised when they retire


same goes for me ah I I don't look much on in it, but I would say that it's , something good because it's it's really well uh well organised for those that are going


to retire soon which will not give them a hard time ah, in terms of their finance when they retire


for me in my opinion , my financial my financial plan would be , maybe each of the family members would can make uh their own uh savings account so that, each of us can save a certain amount of money


uh every month, so that uh, each of us have our own, backup money if we are in uh we've if we are if we have emergencies or whatsoever, yup


uh yes I have a habit of saving I've, I could have started early but because of personal reasons I've just started it, early of this year, and to me my goals are is that if I ever need if I if I ever have a emergency to use my money in my savings account


I will use it but uh I will also repay back, myself, by using my uh next month's salary money to, be put in into my savings account ah, yup


uh yup so uh one financial advice I would give myself is that, is that, I will tell , myself that to start saving


despite the circumstances that , whatever I I mean because like, it will be useful for the future ah


okay uh so basically , how I would say, , financial commitments before marriage is that, I would, I would want both me and my partner to be saving a certain amount as


for my beliefs is that me as a guy I would need to save, more while my partner, uh I wouldn't ask her to save a lot but I would at least want her to reach a certain uh value ah, so that , the amount


that we total saved on [eh] save on (um) could be used for our marriage and also after our marriage yup


part, three negative experience


uh, yup same goes to me ah it's when I was with my ex , to describe it briefly I would say , she didn't she didn't give me the freedom uh to even meet my friends and such things uh


or even do the things I love so yup that's what makes me feel that I was trapped and helpless ah oh and also in terms of helpless I would say that, sometimes like I want to give time to my family or even like give a helping hand, like she would


she would feel that it's against her and in the end like I couldn't do anything to help my family or whatsoever, yep, okay


as for me one thing, that brings tears to my sorrow would be when I see , my family members or relatives or aunties or whoever, uh pass away


uh in just like in situations where we do not expect which also, I've experienced this before where, uh my where two year ago my grandmother pass away, and after a month


her my grandmother's uh younger sister pass away also, uh it was a very it was an unexpected situation but, we couldn't do what all of us couldn't do anything about it but just have to live with it lah so like those moments are the moments where like I feel that it's a really sad moment ah in my life


uh yup so, , what something that I would want to change is uh, the way I


uh, some thing I want change I guess, would be, the way I, look at people


uh, like perhaps like for, maybe perhaps like I feel that I'm, too I'm too safe like, uh I don't take risk, but, I mean it I can I could change that but I guess uh it's something that I couldn't change ah about myself


because I'm not that kind of person so like ya


uh ya as for me I would say that uh, the workmates ah my workmates like, uh ya some of them I would say most of them that uh the the the adults


, they look they look down on me, but, not only me like some of my friends too like, they keep saying that we can't do this we can't do that but and also because I'm quiet they think that uh I don't have the guts to do


things but, uh the fact that, no like I can do just that , I I'm a chill guy ah so like I take work, easily ah yup


uh yup so, the pet that I loved and lost is like, a fish yup uh, I uh


ya I lost the fish because it went to the sea so like, I couldn't do anything about it ya


uh yup so a food that I dislike, I would say, , fusion food like such as when you mix ice cream and, uh uh french fries ya that's something that I don't like eating ah


uh okay like


I would say, when I, didn't went for training just uh just to meet her, but then she


whenever we were, when we out she didn't even talk to me whatsoever, so like that was not a nice feeling lah because, , that training was important because the day after was match day so like I really need to be there but I


didn't went there just to be with her but in the end, my efforts were not appreciated so like ya wasn't good feeling ah,


what I often worry a lot is, my future, but to be specific I would say the family that I'm going to have with my partner, because like


it's the time where you have to be independent and have to build up everything by yourself and with your wife but partly like, the husband needs to be the leader of the family so like, that's the part that I'm often worried about because like


I find that, currently I'm not responsible not that responsible enough to be a leader of a family yet so like ya, and also financial wise, that often worries me, a lot too


so, the thing that I believe in when I was younger was that , I thought money was more important at all, because like when you were young you don't really need to spend on a lot of things


just live your happy life, play with your toys and stuff so like I thought money is nothing, but, at this age at this part of my life, which is adulting soon


find that money is, is really important, and the way how you get the money is also really important cause like, if you don't , like in singapore if you don't have education you can't go anywhere or even like in this case money


yup your salary won't be big and stuff so like ya I find that, you have to work hard for for it ah


, yup so , ya same goes to me ah it was relationship with my ex


because like she was controlling me too much and at the same time she was doing , shit behind my back, uh, and also she was being unfair in the relationship so I feel that is really toxic and is not healthy for my well being and for my future so ya


that's it


yup I've wanted to get revenge on this one guy that has ruined my relationship with my girlfriend lah eh with my ex, uh what make me feel this way is the way he seemed as a, person ah and what he stands for which is delusional and


unreasonable that makes me really angry and triggered lah because like , I'll find I find him a person that, uh really delusional and, ya the way he the the things that he


does he did was, really unacceptable so ya that's that's what make me feel that I want to get, revenge for


uh yup uh same goes to me ah for my O level results wasn't what I expected it to be, so like, uh ya it was really heartbroken, but I still have to move on with life, and continue with my, fortunately the good thing is that I got into a poly so that is one good thing about it ah ya


alright


okay


part two positive experience


uh


some some memorable moments in my younger days it would be , would be when I , won the national ship in my primary school ah okay that's all


uh yup so uh one form memories of a pet I would say is a, , a dog lah I would say a dog


uh ya I had memories memories with him, oh, with the dog so , like , uh ya every time I'm, go


I always look forward to, , race home and see the dog ah, ya


okay , what my dreams so basically, my first


the common, one of like my most obvious one would be uh I would like to have the experience to play at europe at one of the big, clubs lah uh also, another dream that I would like to have which is as K so basically I'm taking


engineering so one of the dreams is would be I would, wish I could be one of the engineers in, uh in a F one team yup


uh one thing I love about life is that there's a bittersweet in everything, and one thing that keeps me going is that keeps me wanting to look forward in life is that of, the unexpected stuff, or maybe the things that your your you have worked hard for and you finally achieve it


so those are the things that uh that keeps me going in life ah


yup so, an experience that I've, come across is that uh, uh I saw this old uncle, uh which was in need of help at uh the pedestrian walks ah so basically he was carrying a heavy stuffs


and, he was struggling so that's where like I felt like, sympathy of this old man, and I help him , carry his stuff all the way to his home which also fortunately his home is nearby my house so like it's fine ah


yup


one snack would be if you have heard about it ah is uh called corntos, ya that was really nice yup that was one of my favourite childhood snack ah


, okay so , uh for me it's also a football match uh where I was having a I was having cramps on my on my thighs but I was playing in the first eleven and I thought I couldn't make it in the game but fortunately


I played a good game, and our team won, so like ya it was really unexpected lah because, I thought I couldn't done it uh I've I, I couldn't do it but ya it was good it was good game for me and my teammates lah


uh for me uh


it's also the same thing where, I did badly for my O levels, but , I got, I got a good grade for my science and like ya uh the teacher that, was always nagging at me scolding me for getting bad results throughout the whole year


uh congratulate me and, uh yup give me big motivations ah, on how proud uh she is for my, science grade , uh


a fond memory that I would say that I share with my loved ones uh would, be , I think would be, when I got to know that,


we are going to have another when I got to know that we're going to have another, my we're going to have another like I'm going to have another sibling so like ya that one was one fond memory ah because like it was unexpected and also,


ya it was it was unexpected ah


the time when the time when I experience personal growth is when, is in the year I would say , two thousand seventeen going two thousand eighteen was when it was one of the toughest moments in my life because at the time I was having , an injury ACL and also


yup that , gain gain me like personal growth, and also the year after ah where, everything was different because I was already in poly and the people that I mix around with


is really different lah, yup


ah ya I will be thankful for my uh mostly is are my parents and secondly would be my friends that I'm close with lah that I'm around with, because they make they make , the bad times


good, and the good times the best ah, so like ya I'm thankful for all the, good vibes they give me, as for my parents is the support they have given me throughout my career and my life ah


skill or ability that I'm secretly proud of, would be I think would be, the way how I can understand everyone, even though at what situation they are at, like I


I'm a person that hardly judges everyone for what they do, and I could understand the situations and how they carry their lives so like, ya that's one of the ability that I'm proud of ah which is to understand people, in different kind of situations


uh I


the best birthday present I would say is, uh I can't really remember ah but, as conclusion I would say that ya every birthday is the best for me ah, cause like what


the the the important peoples in my life are still there for every birthday I have so like I guess, that to be the best present that, everyone could have asked for


perfect uh perfect day for me would be like uh maybe a start a start, with uh a good breakfast then, maybe perhaps do some activities, and, having a good lunch like for me every like breakfast lunch having


a good breakfast lunch dinner throughout the whole day, would, is one of the key things to make a perfect day, and also like to make it better uh having a good news, from whatever, that I'm expecting to get, and also


doing the things I love lah which is maybe doing sports, like maybe football or cycling yup


uh a comfort food ah , I I'm more I have a sweet tooth so whatever that is sweet or chocolatey is something that could cheer me up ah so such like


, cookies cupcakes or doughnuts ya those things can really are my comfort food ah


yes alright


alright uh okay sure, on three ah bill three two one part one finance


the the one that says part one finance, ya bill just say it on three okay, three two one part one finance, alright


alright sure uh, so how do I invest my, no I mean how do you invest your money to accumulate wealth or planning for retirement, I guess it's I mean when it comes to finance and uh looking uh long term


uh investment is definitely something to go for especially if you want to build up your wealth like, I I've uh, I've known people who, know invest in a properties and stuff, so, you know if you invest in something that will, uh


eventually like overtime it'll, grow like, because I mean K like take property for finance, as an example like property is something people will you know they'll go for you know it's like a home, so if you invest uh in like property or something like that something that is you know a necessity to others you know it will eventually pay off


for you so ya okay so onto the strategies


to recommend to someone planning for you know big expenditures , I would say when it comes to like big ticket expenditures, you will have to start from, from young you know uh


uh once you start saving I mean eventually if you plan to save like in the future, you know uh, you know it may be too late so, uh ya if you thinking of starting a family and stuff you should definitely start from young because eventually you will


add up to be uh you know enough ya (ppc)


alright so


uh onto how I spend my money, so I mostly, spend my money on , like food, you know I don't I rarely spend on something eh on things that I don't necessarily need like


like on, on like branded materials and stuff, uh, so ya I usually put aside like K let's say because I'm working right now let's say in a, in a month I get about three hundred four hundred since I'm working part time I always put aside like fifty per week you know


so, uh like eventually I I mean I can spend on those things I need and at the same time I can save the remaining, and what have I've been spending too much on , !fuh! I would say on on uh transport like Grab lah you know ya


once once I get my hand on enough money I tend to, Grab a lot uh ya just for my convenience ya


okay so should I DIY or get a financial advisor to plan my finances so I assume DIY is do it yourself so I think if you have enough , uh how do I say non experienced ah ya okay if you have enough experience in


uh you know saving money and if you are confident in your ability to save enough money then uh ya you know if you are very disciplined on to not spend impulsively then sure uh I think maybe do it yourself would be uh would be uh easier and uh


ya when easier option , but when it comes to like you know you can't really control your spending or you have too much I mean you you have a lot of things to spend on, maybe like your family and stuff then maybe ya financial advisor


uh should be the best option, ya okay so


so what advice would I give to someone to get him or her out of debt, uh, I've definitely been in debt before so I will say once you get your hand, on, you know enough money you should settle the debt first and just in case it gets out of hand because you can never know maybe next time you won't get enough money you won't have enough to you know pay your debt so ya


okay so


how do you manage your cash flow and how much of my income, is allocated to savings expenses so, how do I manage my cash flow I think I mentioned just now already uh, ya because I don't I I'm always set to like certain amount


per month because of my part time jobs so usually I'll put aside, roughly how much I need for like food and stuff like my necessities and then remaining I would choose to, you know uh, save you know and


uh about eighty percent eighty percent or seventy percent of my of my income would be allocated to my savings, uh, then the rest would be eh oh sorry eighty percent will be going into like my expenses like on food and stuff then the other twenty percent would be my savings


so ya, okay


so what are your thoughts on CPF contribution, uh as of right now I don't really think, , I mean as a teenager I'm not really I'm not really looking into like you know paying for house and stuff you know so for me right now uh ya CPF contribution is


unnecessary but, from a adults point of view I would say ya it's very it's definitely necessary because it helps you when it comes to , retirement getting a home and all that ya


onto the next one which is what can I do to earn extra income or to improve your income level , I always uh I mean I've heard around where people have like side businesses and, uh one of the things mentioned just now was uh you know investments


so, realistically I think, because I don't really have any area in investments and stuff so possibly like starting a, like a you know a side business you know like you can sell stuff from home, or ya you can just sell


anything as long as, you know it's in your, it doesn't you know burden you out too much, ya something convenient lah ya okay so


okay uh sorry, do you think uh one should own a credit, card , I think , I mean as a teenager right now I don't really find the need to do it now I'm on a debit card but


I mean, ya as an adult and then you get exposed to more financial responsibilities I think a credit card should, ya should do you should ya should be okay lah ya


K what advice would I give to someone in order to retire comfortably , I would say , (hmm), like once you know like you when you first start your, your job and stuff you have to immediately just think of you know saving and and ya cause you know I believe that


you know, you should you know really, know like know how to save and stuff when you are working and all and then by the time when you need to retire you can just enjoy with like the amount of, money that you saved so, ya okay


so what are your opinions on the supplementary retirement scheme uh personally for me I haven't really look too much into it but from what I know, , it's I mean it, it will benefit you if you know you really need a


uh a guideline or a path to you know to see it to show oh, uh like, the financial backing behind, you know what makes up to your retirement, so uh ya


okay


how would you make a financial plan, investment, for your family or children, , as of right now I think err from what I, know I will definitely just start like uh like a savings account for my family you know so


uh, whatever amount that, we you know we want to save from what we get uh, we just put it into that savings account, and then, you know eventually if we if we need it for certain emergencies or if we're to


you know go out as a family we can always uh, rely on that savings account, okay


do do I have the habit of saving and how do I ensure, uh do you ensure you meet your saving goals, so yes I have the habit of saving I recently not recently about uh, couple months back I, started


I open a savings account, uh, uh and ya now that, I'm working cause previously I wasn't working so whatever money I got it was from my uh parents it was kind of hard to save cause it was limited amount but now that I'm working and I'm earning enough


, I tend I try to save up I try to save at least thirty percent of uh, what I get every month, so, ya and I always make sure I always put a a reminder on my phone, to you know


put that amount of money, into my savings so ya


okay so uh what's one financial advice that I'll give to, me five years ago, I would say just start saving I used to spend recklessly and impulsively uh even though I had barely, like enough to you know be spending a lot you know


so ya I'll definitely just tell myself five years ago to just start saving and spend wisely definitely, ya


okay so, how do you manage my your financial commitments before and after marriage I would say for me


before marriage is definitely important, so, that's when you have to save up a lot cause you have to think about your family and stuff and then after marriage is when you all can save together ya, so


okay, alright


okay, part three negative experience, alright uh


okay so describe a time when you felt, trapped or helpless I would say it was when I was with my


my ex girlfriend ya and at one point I was actually controlled by her in every aspect, like to the point where I can't even go out and stuff so and then like me confronting her just didn't help it just made her more


angry and I'll just be feeling worse, so, ya that was definitely , one of those times I really felt like helpless and trapped


uh okay uh, what always brings tears of sorrow to your eyes


I would say, seeing, , close friend or family member just struggling, really bad you know I mean uh like


cause they're really close to me and also anything that brings them down is, you know, eventually also going to bring me down just looking, at them you know so, ya just anything that is really, making them struggle in anything will


like struggling to the point where they can't take it anymore or they're breaking down ya it definitely bring, tears to my eyes, okay so


is there one thing you wish you could change, but will never be able to I would say, I want to change my


my look uh on life right, in general I I tend to think, a lot about, the future and stuff and then knowing how I am uh you know I tend to struggle a lot in what I do


so , like just looking at like, the possibilities in that could happen in the future, like the the negative side I always tend to look at the negative side of it ya it was I will ya it's something that I always do and


as of right now I don't know if I'll be, ever like I'll I'll be able to change that ever, so ya but if I could I'll definitely want to change my, my look on life and the future in general okay so


have, you been looked down upon by people in your life, yes in secondary school, uh it was mostly like a stereotype kind of thing because uh I was from SJI saint joseph instituition


and it's like majority, like , majority chinese people over there and ya the malays and indians would be in the minority and actually it's mostly the malays that were in the minority, so obviously I'm pretty sure we all familiar with the stereotypes of


you know, on how malays are and stuff, and a lot of people in my secondary school actually, , ya they actually use, that against me, like they degraded me in that sense,


ya and they were just saying like oh, no you can't, you can't do this you can't do that, you can't do math you can't do science can't do this you know you, can't get a ya it was many times lah I mean sometimes they they tell me is like oh it's just joking right


but I mean at the end of the day I was like, at the end of the day if you say it that means the intentions is still there ah so, ya, okay have


eh sorry uh did you, ever, have a pet that you loved and lost, ya I think I mentioned in the previous section that, ya it's the cat and, ya I loved it a lot lah it was my I was that was like


essentially the only thing I was looking forward to last time whenever I got back home but, ya one day it just disappeared, and it was hard at first lah but I mean now that I'm grown up and stuff I've learned to accept it so ya


what popular foods do you dislike and why, , I would say I I I I don't like Ferrero Rocher ya it just it I I just don't find it nice


at all and ya a a everybody else around me they they find it nice and they say like the nuts inside and stuff is nice I I just I just don't like, chocolates and nuts in it I guess so ya, okay


what sacrifices have you made for your loved ones but were not appreciated for it, so I don't know if this counts but it was with my ex last time uh it, ya I saved up money to


you know surprise her in in thailand and in the end you know, I saved up and I surprise her but then, she got mad at me when I arrive cause she didn't want me to be there so ya that was that was uh not so nice at all ya


what do you often worry about I, definitely worry about my studies right now, and it's not because I'm trying it's not because I'm not trying but it's just cause, it's hard like with this whole,


COVID situation and everything is mostly everything is like home based whereas for my case it's like everything is home based and I ya I struggle a lot with , you know online classes cause I just I just can't concentrate and ya it just and the fact that my parents paid about


ya few thousand dollars, uh just for me to get into this private school, and thinking that I won't, you know be learning much from it and I'm not doing well in it and it just, ya it just worries me a lot


okay


so what do you believe in when you were younger, but not anymore and why , when I was younger I used to think that , you know everything come easy I mean as a as a kid you know you don't have that much responsibilities you tend to think that oh everything has come easy you see your parents spending


and you think that oh it costs money, it's easy for them to want, to to you know to get but then as you grow up I mean as I grow up, and also being the oldest son in uh ya the oldest child in my family you know


and there's a lot of responsibilities and stuff, and ya nothing and ya but now I just don't believe in you know that that everything comes easy and now in fact is like nothing comes easy we have to like work for it as you grow, so ya


okay describe a time when you ended a friendship or relationship with someone else and why


ya I would say is my when I was with my ex girlfriend, uh, ya I just had to end it because it was getting too out of hand it was too controlling uh I couldn't I couldn't even go out with my family and friends I couldn't eat outside


to the extent where I can't even take public transport, uh cause she didn't trust me at all, so ya uh basically I was just trapped inside my house, the whole time I was with her I couldn't leave, couldn't meet up with friends like no social life, only form of social life I had was


with her and ya I just have to leave that because like it just got too much, to to handle okay


have you ever wanted to get revenge and what happened that make you feel this way, ya I was ya I was still filled with like anger and stuff after even though I uh like after I left, like , it was to the point where it wasn't even like, uh


how to say I want a it's not even like revenge as in like I didn't it wasn't even about like oh I want to make her jealous and, stuff like that it was to a point where, like it mentally it got like, I wanted to do something physical you know like you know just that I was just that angry uh like I just want to get back at her for like


keeping me, under a shell for for one and a half years, uh and, ya and in that one and a half year I could've done so much more I could have done well in my studies I could have, you know make friends and sort out my my time but instead I couldn't


so, ya but thankfully it's it's fine now, ah ya everything is better now ya okay okay


so describe a time when things turned out not meeting your expectation, I'll say my uh (hmm) ya my


my recent results actually I mean, uh even though it was home based learning it was still the course that I was really interested in and I actually put a lot of thought and, time into , my assignments and stuff, and, and ya eh when I found out that I didn't do well in fact I actually failed


you know I felt like I just, wasted that whole bit of time and hours you know, try my best to focus and get the things done, so ya okay so uh ya describe a time eh describe an event that made you feel really


made you made you really furious, , I would say uh when I, ya it was mostly as with my ex, the the fact that I couldn't do anything my way, and ya in general there's the control in general lah so so ya uh alright


part two, positive experience, alright uh so


uh what were some memorable moments uh from my younger days I had a lot actually but I would say, one of the best ones was when me and my family we would go for staycations because my family is quite big like leaving the house so


going overseas wasn't really you know an easy option so definitely going for staycations at like Sentosa and stuff and then know just playing at the going to the universal studios and ya just having fun with my, family that was that was quite a lot of fun


okay so, talk about the fond memories of a pet that you have or once had , uh I used to have a cat uh that ya I used to


like in my previous house I used to have a cat uh we will always let it like roam around freely not just keep it in the house and ya I used to look forward to coming back from school every day to you know just play with the cat but uh one day it just you know


it just, disappeared and ya but definitely had a lot of good memories with that cat, so ya okay


so what are dreams and goals that you wish to achieve before you die uh one of the dreams is definitely, to travel a lot to europe and stuff, I've only been to a few countries, in europe mostly in asia


but ya definitely to go to those countries where they it's very, uh heavy in football, that's every one of my dreams and one of my, and my goals ah uh my goals would is to definitely, uh be a


a successful psychologist, in the future, so ya I'm hoping to work towards that one, (ppc)


so what do you love about life , I would say the, the many options that you have to like, have fun you know, I mean we're not just stuck to one form of having fun we can do a lot of things definitely with those people that you love like your family and friends so


I would definitely say the, the freedom in general, ya (ppc)


okay so describe an experience where, your faith in mankind is renewed, , I would say is when I was uh walking near my, school the other day and there was just a guy on the you know by the side of the street


just uh he was selling tissues sitting on the floor uh and then ya from far I I I I felt you know sad but then I saw that oh then eventually there was this guy that went up to him and, bought him a whole meal from uh mcdonald's and then gave him like hundred dollars


or like fifty dollars if I'm not wrong on the spot so ya


okay so uh what is your favourite childhood food or snack, there's a lot but I would say the most memorable one is the, that what is it that sweet that white colour wrapped in a white colour eh that milk candy wrapped in a white colour packaging on the rabbit on I think it's got white rabbit or something