uh but one of my go-to is cause it's quite simple to cook it's also nice in a sense like spaghetti you just you can cook it within like ten minutes, and it's better tasting than instant noodles, okay arguably better tasting than instant noodles like you don't want to eat something which is like just salty and like it taste like chicken but not really chicken you know that kind of MSG


MSG packet kind of thing unless you go for like the A one abalone uh instant noodle or something like that but ya so I normally I will cook spaghetti ya


alright, actually I haven't really thought about this much what do I love most about myself , I think I would say for myself, what I like most would be the ability to


swap between like a very chill state and a very serious mood very quickly and be able to, I don't I don't know whether the right word is excel excel in both, in a sense like if I really want to slack I can slack all the way and not give a care so I can even procrastinate the the feeling of guilt because of my procrastination like it's kind of idea but when I


when I'm serious like I also will give my best and like produce good work lah that ability to quickly swap between both, or like set a timing where I will slack until then suddenly like become very like studious and study, do all my work and still like do well for let's say my school assignments or like ya different things like that I think that's what I like most about myself lah cause although I might


like cause I like to slack and also technically I do, quite like to study but I can slack a lot, study within a short amount of time but yet be efficient because of this ability to, like really pour one hundred percent of my focus into something and also do it very quickly like the change around ya


okay uh for me it will be along the almost the same train of thought but I look up to my mother the most, uh is because like first of all, I have, three other siblings like having four kids is quite tough I feel ya and


she she did like, stop teaching and, like gave up her work to be able to take care of all of us like she didn't we don't have a maid and we never had like a maid she raised us all up which is quite a feat lah I feel uh and also


like, I talk to my mother a bit more than my father like uh we would sometimes she will just like both of us we just talk about anything under the sun, uh and like late at night then maybe we will also talk about like a bit more personal stuff and recently I also look up to them a bit more it's because like uh my paternal


aunt has like cancer and there's a lot of stuff that is going on right now in the house, and like they have to deal with like a multitude of things like now my mother is also working then she also has to take care of like okay maybe not technically not all four of us but she has to take care of us uh then she also has to deal with all of that and like technically be on call like cause anything can happen


and also be also needing to explain and balance like the, the sensitivity of the situation to be able to help and support and to explain it to my paternal like grandparents which is also a bit tough on that side cause of the language barrier and also like cause the entire situation ya and she's technically not part of the


core family in a sense cause it's my paternal side but ya so I think everything, like because of all these factors like the way she handle stuff the way she demonstrates like, her love and her leadership like how she has demonstrated it but from a motherly point of view ya that's why I look up to her the most ya


for me uh, one of the times that I got appreciated for my hard work was, like uh cause, it's also during the CCA period like uh, I am in the AV side for my CCA and like we there was this one event I remembered it was it had very very long rehearsals and the rehearsals could run like to seven eight at night


like from two three in the afternoon all the way to like beyond school hours lah basically or the longest time they they can keep us in school so like, it was quite tough and it was like a few consecutive, days or like staggered timings or weekly rehearsals but it was nearing the end of the semester so it was around like examination periods but we still have to go for rehearsals and then there was an event like


right after our exams and different things like that so that was quite tough because it normally that's the like the period where you, are supposed to revise for stuff and that and that year there was a lot of stuff to revise there was a lot of topics for me and I felt like everything was like I needed to revise even more and it was quite tough to be able do that but I still went for the rehearsals and different things like that and


like the way that the teachers cause uh in, for the AV crew we are actually quite like closely knit because we do this kind of things day in and day out if we get Hamtam we get uh if we get like scolded or anything we get scolded together so like we are all in this together so


what the teachers did was like they actually bought like KFC then we split like throughout like the entire crew which which I found was like very nice lah like they actually not just like, showed concern and like was they stood up for us and all that during their rehearsals and different things during the


uh liaising with the other teachers in charge and all that but also, the tangible way in a sense cause like, KFC at that point in time never tasted any better because like it was, like so late at night and we were all very hungry, ya and it was not just like our prepacked meal like the Bento set those kind where they serve like brown rice and like some questionable veggie and meat which is like dyed red or something like that so but it was actual KFC so it was amazing ya uh


that was my experience for one of the times I got appreciated for my hard work, ya


okay one of my most memorable travel experiences I think would be my trip to finland and estonia I think that was in twenty eighteen if I'm not wrong we went there for, uh one week, it was memorable because like that place itself uh like travelling to europe was


something I've never done before and it's amazing lah their their the way of life over there it's very different as compared to singapore like the culture and everything is much more slow paced it's like you will once you land in there and you just once you land there you just walk around the town you can feel like visibly


I don't know why but the atmosphere is way more calm as compared to singapore and like everything else, looks way nicer over there, and like the scenery was very good we visited like also visited various, uh how to say uh destinations like


tourist spots and it was very beautiful [ah] the scenery cause is something that you don't see in singapore like the natural scenery ya


oh shit part one financial related topic yes so I have a saving account it's uh the POSB everyday savings account, and I feel like it's really convenient because first of all like because there's mobile application where you can have access like paynow and and just uh transfer money with a


virtually and like at very conveniently from your phone, and ya so when you run out of cash and you can you can pay other people like through paynow and also what what is an account does is it gives a daily interest and credited at the end of the month and also has cashback so it's uh beneficial as well for me


ya agree


convenient wise, ya, alright so this account is a


I guess it's fixed interest rate and is it's not depending on how much money you put in, it gives like zero point zero five percent something or zero point five percent I'm not sure, ya but ya so it's I don't think it's either a high yield bank account or fixed deposit account so to speak and there goes for both of us for me I use a debit card ya I think for me I'm twenty one years old and like I feel like I can


it's super easy right now in in this current age like to spend like excessively without like much warning and especially cause like E commerce apps like lazada and shopee, and ya so like especially for I I feel like for young people like us we definitely more impulsive in our buys so I feel like uh for me a debit card will be much more safer than a credit card yes because even have even right now


owning a debit card I I still spend like quite a significant amount of my savings so ya debit card will be much safer for someone like my age I guess


ya, alright so cashbacks cashback points or miles uh I feel like these are quite similar uh I don't like like there's a particular benefit the like uh strong benefit to either one


ya so I guess cashback you can like it's it's just rebate basically, and points I guess points system uh would it is basically a loyalty system so that people be more willing to was it called patronised in certain stores or like ya certain stores which partner with the bank and stuff like that


and then they get uh rewards for that, ya but I guess for the consumer side it doesn't really matter which one to pick ya cause it just benefits them either way that's my opinion


, ya I guess that's true ya


oh ya, ya I guess cashback is more versatile as in like if if if they display like uh unattractive


uh rewards for the points on miles or likes basically something you don't really want lah then like there's no point having those points if you can't redeem what you really want ya alright so what's my experience purchasing, insurance products from banks okay so for me my my mum buys insurance for me uh but I I don't think it's from bank because it was like from prudential which is insurance company ya so


alright okay so uh I do not have experience purchasing uh investment products uh and ya I guess like weird for me I'm like a bit too, young as in okay firstly I I don't have a sufficient capital to invest greatly into such products and I do not have like uh enough market knowledge to wisely like invest in like products from banks ya


ya, alright okay so I do not have an experience uh in getting a loan from bank uh for me, uh right now I I'm gonna go to university but my school fees are subsidised and also covered by a scholarship


yup so I do not have never taken a bank loan before


okay, okay so I think couple should combine their finance and open a joint account I I guess I'm quite simple minded so I I guess it'll just be more convenient lah but I guess it depends like


on the trust of the couple at at hand and like ya and I I do not have a partner so I don't have experience in that,


ya, ya


uh


ya, ya I guess you just have to be really transparent and like


out of like for some couples maybe it's not for them, alright ya so what age a child be given ATM card I feel like a child can be given, ATM card about sixteen twenty about there ya I guess it's it's basically an age range where they inevitably have to like start learning about money about their their own personal financial management and and at the same time like


as because for me like I assume or like have, I've been a victim of, like excessive spending I guess due to like just impulsive buys from and just because I'm young I guess like that's that's my


assumption ya but like I feel, it's it's it's a safe gauge lah because they are able to just discern like they they they would have uh in their discernment to, judge for themselves whether spending X amount of money for this kind of products is worth it and I feel even if they overspent or whatnot or it's it's a it's a age range where they can like fail safely


in a sense like they can just learn from their mistakes and like if if they overspend and then, like as as I know you say like if you're spending a lot then like he he realises that he spent all and the like he begins to cut down he begins to


have adopt those are good as saving practices ya so I I feel like, they should start at about an age about sixteen or eighteen where they can be like they they should be learning to be financially uh independent or like financially wise about their management and also


be able to take those risks for themselves ya


I guess the parents would know uh their child's spending habits beforehand like before they have they own a credit debit card before they ya do do all the stuff uh, uh spend online whatnot ya so


I guess like like it's case by case right like if, your parents like see it you trustworthy you ya ya you're frugal in your spending did I guess they would allow that ya if they are more concerned or or also depends on their socioeconomic status right like ya depends on how wealthier are they if they are just so well off and then


they might not really care, I guess ya but or if it if it if they are uh struggling to make as me as well like they will be more careful in that sense and also they will make sure their child is like ready for it ya


so okay some some may argue that bank's interest are unattractive, I guess honestly like for us or for me especially like this everyday savings account like it's great enough for me it's just for convenience sake it's not really to earn like invest or like earn money as what ray said earlier


ya so it doesn't really matter to me for now ta


part three negative experiences, okay so gone through loss in my life I feel like I've gone through loss in my life for I guess it's when I entered national service


I lost my freedom as a civilian ya but basically ya so I lost two years in, I I lost the freedom of I wanted to do which was , go into university and study ya but instead like I had to serve the nation which is a hard time for me and like I was getting into things that I didn't want to go for ya and


ya honestly uh stuff there ya but ya but uh everyone has to go through it uh every guy has to go through it so ya I I took comfort in like my friends who are like with me and we


just encouraged each other throughout and and just they're just basically basically uh just checked on each other and and just encourage each other uh the all way through, yup


okay so uh what makes me stressed I feel uh I feel like peer pressure or like you know expectations of others on me uh maybe uh stress, so if if and and and it and I get more stress like depending on how close the person is to me so like if someone I really care about like


expects me to like excel at something I'll I'll be really stressed I'll like if if someone I fear like when a superior or like someone in charge ah, like a boss like my boss would expect something of me I'll I'll be like very stressed then be worry I I that I would like failed to meet the expectation


ya, ya


ya, okay so what's the most traumatic incident you you experience in life for me I feel, I, I almost drowned once before so basically I was at the breakwater like off at the sea so like I'll just sitting there and like being being young and


like unwise I decided to uh sit as close to the edge as possible like of of the breakwater and like, I I slipped like like it was slippery the the edge was slippery so I I slipped myself and the tide was like quite like strong like considering I was quite young at that time and I almost drowned like I I really at that moment like utterly like oh my gosh I actually can die here


like if ya and and I was like with friends, so like they locate me and I was like shouting for help and ya I was I was basically like fighting the tides like for a solid thirty seconds and ya ya it's it's quite scary ya and but honestly I'm


honestly I I still can swim in swimming pools just that like maybe sea not so much, yup


!wow! okay, ya okay so I think the biggest thing holding me back from my goal would be uh laziness like


ya I I just I'm just like okay with the status quo sometimes, ya and and sometimes like even though like I have a goal in mind or like I want to do this I want to do that but like I actually can't get get get myself going to do it actually ya so


biggest thing holding me holding me back is myself cause I'm lazy


okay, , ya so describe a time when things turn out not meeting your expectations I feel like there's times in life or probably multiple like where


like there's communication breakdown between uh, me and my parents uh ya and and then uh, this causes arguments and and conflicts which were not not very nice and and my some at some at some points like I I can just uh even though very rarely lah uh I would I would like like retort and and like


and and and like argue back basically ya which is uh also also not part of my expectations in a sense because like most of the time lah I would be like just, tanking any like schooling and whatnot ya but when some like in some like extreme cases like when I really feel like misunderstood


and I I can just argue back which was not really nice and ya so not not meeting my expectation question mark ya


, alright so uh describe a time when you felt trapped or helpless


there was a time in my national service uh where I was uh, uh deployed for an overseas attachment and like basically my I was tasked to uh manage like the inventory of the entire unit


and it was a new thing for me and it it had a lot of responsibility and the job scope covers like many things that I'm not familiar with, and because it's a job as uh because because the overseas deployment is for months and it's like


and it's real time as in like I have to like do things day to day and to ensure the operations are running I was super stressed out because this team has a of responsibility making sure like they have the sufficient


supplies needed to carry out their operations and as well as ya know where they're located and and more so like keeping track of like everything while the entire like, deployment is and even after that even after the deployment I still had to like bring everything back to singapore and uh account for those items ya and like during those during that time like I was feeling like super stressed every single day and


like there there were nights I couldn't sleep and I was just really worried about like what if like I mess up and and like lost something important and like I was also asking like


uh I just texting my parents every day lah to make to update them and tell them I'm worried and uh they comforted me and and just send me words of encouragement ya


but uh during during that month because I I I was still overseas and there was like nothing physically that my parents can do so uh I was I I still felt like really helpless throughout that month yup


alright okay so what are some of, the hurtful words someone said to you that you wish to forget so basically uh back in secondary school when I was doing my, uh chinese composition exam and basically what happened is because I'm not very strong in my chinese language uh so I I struggled to do my composition and uh but


so I I wrote quite a sloppy essay and the invigilator uh walked past because, I was out of the ideas to complete my essay because it was pretty lousy ya so the teacher walked past and I ask like why why wasn't like not checking or like like writing longer or whatnot and so he he picked up my essay and like he he skimmed through it


and then and then he's he he basically said, something along the lines on are you even trying which was honestly like I was I kind of tried my best already so like uh, I heard that uh at first I I didn't know how to react like


I I not I not sure like was was that a joke or like did I hear it properly or like, ya but then I I I became very angry after that like it was just built in anger and a frustration that , the teacher could not see that I was actually trying and like that just made it all all the more worse because of their remark uh ya so uh ya it was pretty hurtful at that point of time


alright, yes, alright, okay so uh my best birthday present


was uh the speakers I received last year from my friends ya they went to my house and they really surprised me with this uh speakers because I I guess they knew like I was using headphones lah and ya for my desktop but I didn't really have a speaker so when I wanted to


chill uh in my room and like, like not not sit in front of the computer with my headphones on, uh or like so like to listen music or like watch movies on my computer or something I I I I was stuck with my headphones but uh they bought me a set of speakers so I can do that now


cool alright uh for me my biggest blessing in disguise I feel would be my , my choice of uh tertiary education my junior college uh which is meridian junior college because honestly what I was aiming for was uh victoria junior college it just uh but I I did not make the that cut so like I I did not score well enough to to enter that JC


ya but however like when I entered, uh meridian instead I realised like it was uh much closer to my house and realised like, uh, I was lucky to get into a class which was uh really funny ya if I had like really uh many great classmates ya so I enjoyed like most of my days there


and I really experienced like really great teachers I have positive uh two years experience uh throughout and uh even now like my JC classmates uh we still hang on like really frequently and often like


it's been more than two three years about there ya but we we still uh catch up like every now and then which is really nice to see them, ya


, alright okay so uh what is a comfort food that you can always rely on to cheer you up okay for me I'm not that choosy so like I can like have


like so many choices off the top of my head ya but some a few will be like ice cream would be uh instant noodles like, all these basically like quite readily available and like ya just go I just go to my kitchen then just cook something up and ya it's it's very like convenient and I'm not choosy so


oh ya, true


acceptable, alright are we doing this question uh what do you love most about yourself uh


probably I guess like quite uh carefree like for I feel for me like especially I I don't worry too much about, certain things such as exams I I feel like


when when I've done all that I could I'm I'm usually at peace with myself ya so even though my peers might be still stressed out when when an exam is coming but when I've done like enough, preparation and whatnot I'm quite relaxed and even though I do study like


okay like so for example if there's an exam like I'll still be like, studying for hours and hours but I'll be studying with a like positive attitude and mindset and I I won't be stressed ya as as much as like other people


okay


alright (ppc)


alright, work hard play hard alright ya so uh who in your life do you look up to most uh and I feel like I look up to my father the most for me he's, really a role model or like in terms of how he cares for our family he cares for his workers he cares like even for like people he doesn't know and I feel like every time he like shares


his thoughts I'm I'm like very immersed in what what he saying and like ya the the way he shows care it is not very like verbal ya but I feel like


you you can see or you can you you will realise that that most of, like he's he's really caring and and being intentional about uh everything he does like every every single day ya so like


from just texting or like uh calling me or just uh going, to my room and like checking up on me and and sometimes like sitting sitting down and uh having a talk with me like even even though I don't I don't like being confronted like I I can see his intention and I can see why he does it and cause he cares for me and like


uh more more so than that I I feel like , his ambition like also uh really inspires me ya so uh his his dreams and uh his passions I'm really when he talks about it he uh I just been like listen like very like


in passionately also and like uh some somehow like when when he shares these things he also really inspires me ah and when when when he like really excels in his work like, and and works hard uh I I also feel like that I I shall be striving uh to be like him ya


alright okay so describe a time when you got appreciated for your hard work okay so I guess uh, there was uh moments in uh my CCA uh which was a student council in junior college ya so basically we're


as council members uh we we are in charge of uh school events and planning organising them and executing them, so as one of my council members uh, migrated to australia midway through junior college there was a activity which was


not taken up as in there's there's a slot there's a there's responsible there's a role not taken up ya as and it was vacant because she left yes and and so I I began to take up that spot which was, extra for me because I already had something else


ya but my teachers and and and the my fellow committee members in that activity like rest like so acknowledged, my, my intention or like oh ya just basically acknowledged like that I'm take I'm taking up like extra responsibilities and stuff and that's when they really appreciated uh my efforts and and they also


it it made me feel part part of them lah as in we we're all just , just council members and and they they they were all from different houses all but I I felt like I got like, the the support I needed even though like I was doing extra things and as well as my teachers uh my council teachers who encouraged me and and like was concerned because uh


I wasn't doing so well at my first years ya but they basically like looked after me and also make make sure I felt appreciated as well


okay I'll just choose another question this one I got to answer describe one of the most memorable travel experiences, okay so for me uh, I think one of my most memorable experiences would be , my my trip with my family last uh last year in


korea ya so we spend about about six days and five nights uh in, korea and it was honestly quite cool ya but like we wore many layers and stuff ya but that's it's really great like away or uh overseas uh with my family


uh we had a great time we explored like many uh tourist destinations and we ate a lot of good food and uh it was a great escape lah like considering I was and during that time I was in the army for like almost two years ya so like going overseas and and like


having fun with my my siblings and my parents like it was it was a great time and like ya so we just basically travel around in like, ate a lot of good food and I, and I I enjoy going overseas as well because like I like taking photos and videos so ya that I after I came back also uh put all those together and created like a montage and stuff like that ya


K personal insurance I do have at the moment uh which is recently purchased it's my accident uh protection uh insurance and also uh critical uh illness protection ah


and both of these uh insurance policies I actually uh purchased AIA, uh and , so uh the reason


okay so basically these these two policies are actually fairly new so I don't really have much to say lah about the, the the uh, uh current policies that I have, ya that's for personal insurance


uh what about you


actually ya same goes for me the reason why I purchased that particular insurance is because the AIA agent actually uh provided a special rate lah in the sense that it will not fluctuate uh in the next few years also so even though


I am above the age uh let's say if I'm thirty five whereby premiums are supposed to be higher but uh it will not change lah it will stay as it is so that is one of the perks of my my insurance policy and why I


and choosing to stick with it at the, moment, so okay so maybe we can carry on with the next question which is why do you have any endowment plans and why, not


I I I I mean what when you pay when it when the time comes for you to get the payout it will be more than whatever that you put in, , uh initially so uh the reason why I don't have any plans to take up this endowment plan is because one is I do not know enough and because I feel like uh me doing other investments as


uh , uh savings is better lah,


okay uh, so any insurance that are not I mean that is not personal insurance will definitely be for things such as travelling or uh your car or tax even


at the moment because I'm I'm riding a bike so, definitely like uh uh an insurance to cover myself for that and secondly is travelling lah, and we go I mean I do not have like uh


set insurance main insurance for travelling but uh I purchase it as and when I go on a holiday or I go out of the country because it is a you might not know what happens uh what might happen when you are actually overseas


like losing your luggage or you know losing your wallet as simple as that uh all these things you should get insured lah, you go overseas so those are actually the two main uh insurances that I have


and had purchased before so ya other than that like uh cause I'm still living with parents so I don't I need to buy uh property insurance or like uh domestic helper insurance, not a need for me lah ya


so what type of insurance are you're using for your bike


no actually ya and I've heard of sompo, oh they are ya actually I I think their name used to be longer it's like sompo or something so now they just uh they they rebranded themselves uh and uh known as just sompo lah so they also have other insurance like travelling and


stuff like that ya, uh depending on the seasons that you're travelling so basically uh certain companies they have discounts at certain period of times lah so you just you cannot just search for one particular company when you go travelling you have to


like literally run through all the different types of uh travelling uh uh uh policies that you can find and compare which is the cheapest so now I think if you use platforms like SingSaver


and money money smart you are even able to get the (ppc) uh purchase the insurance and then get a cashback for it lah so, ya travel insurance right now are getting cheaper and better


ya ya you don't necessarily have to go direct uh ya


engaging in commercial activities like so far whatever happens happens ah we have our own personal insurance so engaging in commercial activities I don't think there's like a need to unless where what what type of commercial activities are we talking about right


oh so basically uh it should if you're planning to do all these activities when you go traveling then you will have to make sure that the travel insurance that you purchased at uh includes this kind of you know vigorous activities in case anything happens but uh


I've I've done it before so when you actually go for skydiving that you are actually covered, uh by them lah by that particular company so you have to there were you have you can purchase and purchase insurance directly from them so is no issue


you don't necessarily and and on top of that you also have your personal insurance I mean my own personal insurance accident insurance actually covers traveling also if anything happens to me while I'm out traveling so it it it's actually covered lah


and ya,


yes, ya, correct


I'm actually covered for all these even if it happens in singapore or uh in overseas I'm still covered ah that's the good thing or that's the reason why I took up this, insurance, so we can move on or you want to stick to


maybe we can talk else like , uh, uh okay for for all your current for all your insurance that you have right now like what uh how much are you paying for them or maybe give a ballpark figure like what percentage of the of your income is


insurance premium


currently I'm spending like uh


probably fifteen percent of my income for my insurance, insurance uh ya uh I I mean for my personal and also my my uh my, it is all taken into consideration lah so it's roughly around fifteen percent ah but I've had like friends who are spending almost thirty to forty percent of their income just for insurance ah as they believe insurance is like a good investment so


insurance like, uh critical eh not critical illness like hospitalisation or whatsoever then maybe I have to rethink


uh my finances lah because whatever that you purchase is gonna affect your income also what so just make sure that it is like, you know something that you can, uh the the money that you uh have left is you can survive on it lah that's the main thing lah and you don't go with your insurance lah


it's a ya it's a very comfortable amount lah


uh not really it's not really to spend more of your money on insurance but maybe you know with whatever that you have right now is probably I I'm not sure if you're saying that you're paying only like five percent then probably your insurance is of low very low premium


which means that you are probably not covered for a lot of things so maybe what you can do is have a chat, with your agent and see like is there any way to upgrade maybe not, maybe just add


something else and ya I I just, expand your your coverage lah basically,


okay we are mostly working so we are, inside most of the time uh and and also we get I don't know we are prone to get sick sometimes like just as simple as you know going to hospital and taking MC or going to the doctor and and and taking MC all these actually can be covered by your insurance


so you can


sometimes these policies can overlap whatever that your company is offering lah your company benefit is offering so if you mentioned that you are you know prone to sickness and all and is always going to the doctor you can actually get insurance card that covers all these


as well so your MC and everything is also covered ya, err I might not know specifically what but I believe mine is actually critical illness protection because it's a three in one policy so there are many things that are actually being covered there lah I cannot like specifically tell you one by


but I I'm sure that is covered lah, ya, going to the hospital and stuff like that, yes I am only using AIA and my uh except for my bike insurance lah but all my insurance I go through AIA because I find that they are reputable and I've been using them all along and uh one of the cheapest


and you pay all at once so you don't need to, pay so many providers


(um), okay so we can stop here


negative experience in your life


, loss in life I I personally don't, okay when we're talking about let's talk about losing someone uh for uh permanently lah maybe like I I don't really have anybody that is really close that


uh pass on, but I do have an uncle who I was , uh I mean relatively quite close to him because he's he's just he he lives just downstairs so uh ya one just one day there was I mean the news came in that he passed away in Indonesia


and it was , while it was sad for me lah ya to have lost him in a place where we couldn't even you know see him for the last time or, is sad lah ya


apart from him, , there are a few others but they are not relatively close but it did make quite a negative I mean I did feel, sad lah when I heard those news


, uh what about you


, K so , so basically she's the she's the only one that made that, uh big impact in your life ah


and saddened for her loss ya, okay so, maybe moving on , what makes you like stress or in your daily life like


useful things


, I I think ya work plays a very big part in in the in create stress


like what uh I mean uh another stressful uh, stressful thing ah when when uh when as an as an adult, especially at my age is the perception that other people have of you lah as a lady like you know uh people will say like oh you are you are coming to thirty you are twenty nine you are twenty eight right you are you are above twenty five or you are not even


not even you know, settling down having plans to settle down and then uh when as other people uh like already on to their second third kid ya so that was actually quite stress uh stress quite a stressful phase for me lah uh


even even until uh like right now you, you feel like you are you're being left out I mean I've learned to to manage that, stress by blocking out what people have to say or maybe you know spend lesser time on social media where people don't really


uh don't give other people a chance to uh you know talk stuff like that so and and I mean, used to be perception of other people that makes me stress lah I to a point that sometimes you know you cannot even sleep like


uh like lor, it it it's like affecting you uh in a way but ya


(ppc) ya at the end of the day everybody everybody has their own problems I mean as a person we just don't be judgmental lah on other people, if we just just block out all those things lah ya then think of the positive things in life lah rather than all the negative things


uh and cause unnecessary panic to your life, K so uh


trauma


probably traumatic incidences happen, okay there was one that happened while I was riding my bike so , uh I mean in a span of one week uh because it was a rainy


season right so you're more prone to to skid on your bike so there was within that, ya within that one one uh week right I had like three minor accidents lah accidents lah so one of it was because I due to the rain and then second was because of a uh it was


due to a reckless driver ah so basically this driver did not check his blind spot and then just, apa uh uh


hit me but he he I fell I fell and then he just left the scene ah ya so whatever happened during that uh that week made me traumatised lah in the sense I couldn't you know ride my bike without


uh ride my bike like how I used to ride my bike like you know you always have to be be sometimes a bit too wary and, there's not even ya you understand right you also riding a bike right so you know like uh that feeling when oh when you feel like there's this this car is like


not driving properly, so anytime other people's mistakes can can actually cost your life so that is, one thing I'm traumatic about lah when riding my bike


, ya


or stories sad stories that you've ever heard


ya lah I agree because accidents nowadays if it happens you can see it all over it will go viral all over the internet so there was this particularly particularly one sad scene that I I saw in this video was


I don't know whether are you aware of this this incident which happened along Woodlands, uh one of the uh roads in Woodlands lah so basically there's coming car that hit the curb and because he was speeding so he hit the curb and then there was this bike rider was just minding his own business and the car actually flipped and toppled over him and he died on the spot


which is is a very sad scene to witness ah because you see it on video and then one one minute he's there and then the other minute he's just gone and the sad sad especially the sad part is because he uh was recently


married and then he is he he has uh children lah very young children so you know you will never know, what happens on the road due to negligence so that was definitely one of the saddest scenes or


accidents that I've actually seen online lah ya, so,


ya I mean the reason as to why the car was speeding is uh I mean they're they are haven't disclosed yet lah so I don't want to uh


come to an assumption that the driver is reckless probably maybe she because is a fifty seven year old female driver right who actually lost control of that of the car the red car is actually driven by


ya I I but there was one uh motorbike, ya if he were to have actually you know instead of instead of stopping where he stopped which was behind the car rather than uh I mean at


if he were to have you know aligned his motorbike in the front ah ya being in the wrong lane then he he surely would have lost his life ah due to the impact so that was a close one for him ah he made the right decision of following the rules and


stopping behind the car, so


I I felt trapped or helpless helpless or trapped, probably that would be like in a past relationship ah where uh, I felt trapped in a sense like you know because you've been with that person for a very very long time but the person's uh personality uh


as time goes by start starts to you know deteriorate starts to like become very not as what you've you what you expected it to be lah and you definitely need, uh you did you definitely want out of that relationship but it's just too difficult because it's like very long term relationships like seven years so


uh that was one time where I felt trapped and helpless and feel like oh I had uh just just move on with this particular relationship lah just see how it goes but


let go of the person lah so it was more liberating it was liberating after lah ya but I did felt trapped, before it happened


ya ya, you feel ya, you feel helpless because in a sense also you cannot see I I don't know whether you're living with your family lah but uh you cannot see certain certain members of the family like uh nieces and nephews and then like your friends most importantly those people like uh uh you know when you're bored you always go out and


hang out with them but suddenly like for two three months you just cannot see them or spend time with them even if you do you're just seeing them for like a few minutes and then like, so ya I understand


that's fine lah you can, so ya other than that


ya I mean not necessarily okay is what, one one problem lah but the major problem would be how our life is going to be like after COVID lah basically like your your working life your your finances and everything lah this one is a question mark


okay, positive experiences


okay ya my best birthday present I think I've I've I don't really receive birthday presents lah uh usually it's just, uh going out for dinners with friends and family so I think, the question should be like when


uh which dinner is the best during so, it'd probably be the time where we all went to airport swensen's and like as a family and as a whole everybody was there so it was a memorable one ah ya


how about you


understand


so uh, what is your comfort food and what be like on to cheer you up


rely on that any specific brands like, there are many chocolates like what type white chocolate dark dark chocolate


I like #kinder bueno# too but my comfort food will will be anything that is spicy lah, you know anything spicy like for example mcdonald's Mcspicy and then, fried rice spicy fried rice just I I just love spicy food lah so anything that is spicy if you give it to me that will be my comfort food ah


ya why why it cheers me up I don't know it doesn't really cheer me up, but uh it is, spicy food is, something I enjoy lah so ya


when I'm sad or when I'm angry or when I'm happy just eat spicy food lor , , ,


what do you love most about yourself, what do you love most about yourself


and I was there for like three years and I dropped out because it was too stressful and I couldn't I didn't have the


the motivation and the time but then I decided to go back and complete my studies lah uh so it it I mean I I I I'm now a diploma, holder so I understand when you say uh that part uh what I what I love about myself that is one thing so the next thing would probably be not not particularly any part or any or any features that I have but it's just like uh


, uh, I I I like how I'm always caring for other people lah uh ya so it doesn't matter if if uh you are acquaintance or what as long as you uh know me and you have a problem then


I mean it it I will, always be there to be a listening ear or like uh


, actually recently I have been facing a lot of stress at work there were a lot of things to do I had to work until nights preparing for a tender lah basically so there were many late nights and even


it was difficult to even have lunch or go for toilet breaks, err I mean eh we were like really working, we're really like on the ball and, it was a very tough week and upon submission of the tender and everything I I mean I actually did receive (ppc) a uh heartfelt message from my boss to to


you know to say that he appreciated all the effort and work that have been put in lah for that particular week and ya so it was it was , it was something good that happened ah that week ya how about you


he uh received a heartfelt message from my boss to say that he appreciated my work


yup, uh and the effort that was put in


, anything you wanna add in no okay so ah you're done okay


so uh basically what you said was that you managed to install the circuits, for that month uh then you receive the recognition so did you get any like rewards apart from that recognition


okay so what is the nicest thing that someone has ever told you then is that is that part of it also like your boss telling you that you got the


uh probably is that they they uh, they say that, I am somebody that , uh I mean I mean how how do I put it ah probably probably just a great listener ah there's there there are few people who actually came up to me and say that like


I'm a good listener in the sense that I their problem and not only that some people listen and they forget , what about you that means it they are not sincere lah but, for me is I really want to help and then I really want to know about your problems


you know uh work it out together so that's one that's one thing uh some people has actually, said, person that they can relate to which is


perfect day is after struggling so much at work you knock off or you managed to finish your work on time uh and then you just you know before COVID if you finish your work on time you go you knock off at six and then you just


go out and meet your friends have a have a nice dinner and then go back and have a good rest so now is COVID period so more of like, after work you log off and then you just, have a good dinner lie down watch TV spend time with family ya that's a perfect day at this period of time ah


because there's nothing much to do on a saturday and sunday as well I mean that's the ideal ideal K ideal perfect day okay for a weekend during this COVID period is


sleep in late wake up late and then uh have lunch dinner all on time, and then maybe squeeze in some good movies ya that will be an ideal weekend ah, okay fine ya


, why, why does it have to be buffet, so what is like your favourite buffet cuisine like there's chinese there's


japanese, korean


, just as long as buffet lah I'm fine , buffet because buffet ya as long as buffet also I'm okay I'm also a big eater so, yeah uh


K let's just move on because we have few minutes left what are you thankful for, in your life right now


ya same same go for me lah every same goes for me lah I think uh right now the most thankful I am is to be having a job ah during this current so ya I think all of us are feeling that we sympathise to those who are out of job but at the same time we are thankful


K my most memorable travel experiences would be I travelled to quite a few places lah I'm not saying that I like I been to a lot of a lot of countries but I mean I have had my fair share of


countries that I've been to and one of them is actually gold coast australia where I did skydiving so that was like the best experience that I've, uh one of the best experiences lah I've ever


jumping off an airplane at fourteen thousand feet and then , uh looking I mean just just looking at the scenic view where, it was it was, it's really uh a good one lah ya I wish to do it again but


see how, eh sorry it's not gold coast australia it's actually in Sydney australia ya


, ya to travel to because they have a lot of activities activities that they don't we don't have in singapore like


one of them skydiving even sand surfing ya I mean if, ya


so any uh, sand surfing ya it's actually the same it's it's like uh do you know what is sand dune so basically you are at a sand dune right it's like a desert


it it it's just it's it's lah it's fun so, have it here but I think they have it in uh indonesia so in Jakarta actually you can try, ya, I had a few friends who actually been there


nearer uh ya lah, Jogya is also a nice place actually uh you can do water rafting there's a lot of places scenic places you can go to, , one


, ya I in in Jogya you can repel down that one of my memorable experience also actually uh repelling down a a a cave, uh then there's this part of the cave whereby eh uh a sun hits it there'll be like one very nice


ray ya so, that's one of the, ya, [oh]


okay, financial related topic okay uh Faizah


do you have uh any personal insurance


okay for me yes I do have insurance basically ah initially uh years ago ah I wasn't insured for many years, the reason as to why that happened was because uh at that point of time I felt that there were just so many insurance companies which offers difference which offers different insurance plan


and I'm the type of person who really think it through first before settling on anything so because of that it took me really long to uh just decide on any insurance plan ah but I managed to get uh finally managed to get insurance for myself


uh I have two insurance bank both is under AXA or AXA and uh one of it is a term term life insurance uh which is known as uh AXA critic care ah this one is uh more of like a protection policy for me


then the other one is uh my health insurance this is uh using CPF medishield but with additional rider this one is known as uh AXA shield, uh what I know about this uh this two insurance is that one of it ah the term life insurance every year the premium is uh is fixed so is not gonna fluctuate depending on the yearly revision of premium or whatsoever


but as for the health insurance ah that one every year will increase one so, just recently ah uh I did contacted uh, AXA and uh to check on this ah because I noticed that my my premium went up so I give them a call and uh the the rise was quite sharp ah that's why so they explained to me that


because of their yearly premium revision and uh depending on my age also that's why, my premium rise lah


okay as for me uh I do not have any endowment plan uh the reason is so because uh of the commitment the commitment of having to stay with the plan for uh long period


for long number of years uh because from what I understand the penalty for early termination of this endowment plan is very costly so even before I start to get one endowment plan for myself I I already feel


uncertain that uh whether or not I'm able to commit to the plan consistently every month and furthermore I heard stories life stories from friends where they have to terminate the on the endowment plan and then in the end get nothing in return lah


ya so that is the reason why I choose not to have endowment plan ya how about you


okay, so uh let's move on to the next one lah uh do you get insurance uh ya


okay as for me also is the same because I have uh motorbike also so uh the reason I get uh coverage such as insurance for this motorcycle is uh apart from it being a requirement, because it is a requirement to have insurance whenever you want uh own a vehicle uh it is also of importance to have coverage in case should anything bad happens to you at least you have coverage


and actually for motorcycle insurance there's a lot of companies that offer different types of policies, like they have their like the least uh coverage followed by uh


the one with more coverage such as fire and theft and then you have the most comprehensive coverage which is uh the premium gonna be expensive but you know that you're covered lah for those uh rare cases of instance where


your bike gets stolen or get get stolen or what not lah so uh you also have to if you really wanna have an insurance with good premium you have to source around because different companies do offer the same


type of insurance but with different pricing so my experience in getting insurance for my motorbike is that I will normally ask different different companies how much they offer and what their coverage are lah


then as for travelling it is also important, especially uh when you are travel overseas on those flight related travels so in any case that your baggage go missing or your


flight gets delay and affects your uh travel plans at least you know that you can uh get coverage from all these insurance ah


for my bike insurance I'm actually uh using this insurance company which before this I have no idea that they exist ah ya based on recommendation from my bike shop then I was referred to this uh company known as uh sompo ya


ya so you you actually will need to ask around also lah because on your own I don't think you'll know that like for example this sompo company even exists ah


cause it's not local ya


uh, then how about travelling uh from which company do you always buy


so there are actually platforms for you to search on to get the best deal depending on uh which season you're travelling, okay then how about uh like insurance when engaging in commercial activities


ya,


I don't know is it like whenever like you plan on doing those uh like bungee jumping all it it's, is that so


because from from what I know uh when you get your personal insurance right they have uh clauses which includes like uh, they won't cover you if you uh get into accidents from all these high risks activities such as you know bungee jumping and all that lah ya so you have to really check through and read through all these clauses also ah


, okay


again


as for me right now uh based on what I calculated the premium that I've been paying monthly is uh around five to seven percent of my uh monthly income ah


which I myself am not sure whether it's is it too little or too much to be spending at this percentage of my monthly income ah how about you


!wah! ah oh, ah


so you are saying that this amount right now the amount that you are spending fifteen percent per month is uh quite comfortable for you ah


okay so maybe I should go uh and spare more percentage of my income for insurance right


then, what kind of insurance you think uh are important lah for our age group


(hmm)


that that uh that falls under which insurance personal accident is it, oh okay oh


so you mentioned earlier that your insurance is from a single uh insurance provider ah is that right


uh ya ya it's same as mine also because mine is under AXA and all is also related into one account mah, easier like that


okay, negative experiences, so Faizah have you gone through any loss in your life


(mmhmm)


okay ya


as for me uh I was growing up growing up I was close with my late grandmother so she would like often come to our house and then maybe do sleepovers


she will actually go around her children's place and do stayovers like for say one week over at my father's place then after that another week at my uncle's place and


we were really close, because uh she would always just come and then, I will be the closest one with her and she will keep, saying praises to me she would say that uh I am a good person I understand her like whatever she feels like having I'll make sure that


uh I go and get it for her or make sure that she gets what she wants as opposed to my other siblings who just uh, uh not accede to her requests so when she pass on I felt the blow ah


like uh accepting the fact that there won't be anymore of such person who do the things that she do and she would like she enjoys cooking for us whenever she comes and she will, decide to cook different different type of dish to us and she's she was really a a I would say a heartwarming kind of person where you can


uh express your concerns share your problems with her and she will really listen ah, so when I lost her at that point of time I was like maybe eighteen years old so uh my emotion at that point of time was I was really uh


saddened lah really saddened really felt uh a great loss for me ah so how I deal with that loss is basically


nothing much ah just ya give it time to grieve over and as time pass by I generally felt better ah ya


ya that's right


okay uh one thing that I can say that can make me stress ah is uh big part of it is at work ah especially when uh I'm on shift and then


the work demands uh really calls for so uh many things to be done, it can really stress me out because uh I don't like the feeling where you know you have so much to do and so little time and even so if you see the manpower count is only that much and you have to complete so many assignments


uh which which were due for that day ah so ya basically the sure thing to make me stress is uh is work ah, how about you ya


okay that actually is something like I experienced before also like


it it matters to me before like uh what people say of you like people think of you if they look down on you then you feel like really you yourself feel very low right, so ya lah this kind of things is best to block it out ah whenever you


you feel that you can do also right


ya that's true K moving on, you have any incident uh that caused you trauma ah is there such experience in your life okay


, ya slippery roads


swerve in is it


ya ya


okay actually for me my uh most traumatic incident is also due to uh riding bike there was this one instance where I totally lose control of my bike


I was travelling straight uh minding my own business just like you and then one car decides to just drove into my lane, so what I did naturally on my first instinct is to just jam on the brakes and that was when I lose control of the bike and it sent me and my bike uh


I mean I flung off the bike and the bike just skid all the way uh throughout until it comes to a stop and then from what I know I was from the uh center lane and then


when I stopped I was already lying on the close to the uh road shoulder so that really leaves an impact and trauma in my life because of the accident lah


just like you before before before that riding bike was like uh a feeling is like so carefree so you enjoy the wind in your face but after that accident you tend to be more uh cautious more wary


even though uh nothing is happening you feel that it's it's more dangerous now right


K this is uh, this one is pertaining to uh same same issue so which is road traffic accident I happened to pass by this accident


where I witnessed the rider of the motorbike crying away while calling out for his pillion who was lying there motionless so I didn't stop lah I was just passing through then


because of it all the vehicles are moving slowly and I managed to see this scene lah it is kind of sad because I I don't know what happen next ah but, from that scene already I feel that oh this kind of thing is happening now it could it can easily happen to anyone and


it's really sad lah, how about you


, okay ya even uh recently I saw this video that in #pasir ris# I think this speeding car just bashed through a row of cars and motorbike and just bang them while they are stopping at traffic light it's like so dangerous ah


, ya what could be the real reason for that lah ya


ya I saw I saw ya


been in the wrong lane ah ya


it's true, , you wanna describe a time you know when you felt trapped or helpless


!whoa!


I see, you know as for me ah the part where I felt trapped and helpless is when uh the circuit breaker kicks in, you know what happens then was you have to stop doing things that you do outside you can no longer uh go out and shop you can no longer eat outside you just have to stay at home you know the kind of feeling where


it's helpless ya it's helpless


ya even like you when you used to you know exercise outside and now is being controlled so ya you just feel so trapped in your own


home ah


ya but the worrying feeling is still there lah like you know the the condition outside is no longer the same and you're always worried whether this virus will you know catch you or what so


it's still there,


positive experiences, okay so Faizah what was your best birthday present and why


okay so which dinner is the best and why


K for me my best birthday present uh has got to be this watch uh it is special because uh it was a gift from all of my family members uh given the fact that we didn't have this practice before that uh normally for for birthdays we just


uh sing birthday song and just cut cake and gather together and we we we didn't have such practice to, uh give a present to the birthday girl or who the person who who is celebrating the birthday lah so this is special to me because for my birthday they all chipped in together and got me this watch


so that is when this giving presents uh uh custom start to kick start ah for my family so ya,


for me I would say my comfort food is uh chocolates because I can I can rely on that lah it okay


the the the reason I would say that is chocolate because it is uh readily available and it is not difficult to get and I feel good after having one and my favourite brand would be #kinder bueno#


how about you what's your comfort food, , what, but that


, okay that's uh that's out of the norm


sorry again, okay as for that I would say uh my can do attitude because for me once I set on achieving something


I will work my way towards uh achieving that goal lah no matter what the setbacks along the way might be, so for instance if I tell myself that okay I'm gonna complete this course of study uh like for example my diploma before


because I took uh two attempts for that so during my first attempt I had uh some setbacks ah, but then I managed to overcome it then I continue back, uh chasing that diploma on a part time basis so eventually I graduated lah how about you


ya,


okay, that is something good being there for people


so is there any time that uh you can describe when you got appreciated for your hard work, okay


so no wait you were saying that you received a text message from your boss and that was his way of showing his appreciation for the all the hard work that you did right


ah okay understand as for me uh similarly it is uh work related uh appreciation also uh just recently I was featured as an uh employee who completed


installing the most number of circuits for that particular month without any errors being made it felt good ah actually to be appreciated because uh I'm still new I just joined quite recently I'm still in the learning phase and


it felt that I really earned this recognition lah because I I I choose to put in good effort and work hard for this ya


uh no ya that's about it for that part lah


, ya


uh no lah because for monthly we don't normally practise giving out awards ah it is always based on the yearly uh uh yearly calculations only then you receive something for


that hard work ah ya, I would say that the nicest thing I have heard someone say to me is that uh I am a disciplined person ah


ya actually it it's somewhat similar to the question previously uh which was what I love about myself, it is the same trait lah that people see that whatever that I set to achieve for then in the end I finally get to achieve it lah


how about yourself what nice things has people say to you


okay that's nice then how would you describe your perfect day


, , why does your perfect day have to be on a working day , ,


yes, , okay a perfect day for me would be waking up in the morning and then start it off with a good wholemeal breakfast and then you know that for that day there'll be no uh meetings that you need to attend to there'll be no


text or messages that you need to reply to and you can just kick start your day really slow and well and then uh you do all of these while looking forward to having a good time in the afternoon


maybe uh catching a movie be it at home or in the cinema with someone special and then followed by a nice dinner after that and it has to be a buffet ah, so that is my type of a perfect day eh because in buffet you can you can choose whatever you want to eat and there's a whole lot of spread to choose from ah


it has got to be western food lah ya like uh steaks all those meats all those heavy heavyweight stuff lah how about you


oh you also buffet ah


, okay for me I'm thankful for uh life thankful to have shelter over my head and uh thankful to be blessed with having loving people around me who really cares ah


how about you same ah , ya


okay how about you start first this time round


!wow!


so it was in uh gold coast australia, ah okay, and as for me I don't have that fair share of uh travelling much ah basically uh before this all my travel places would be to southeast asian countries so I would say that


uh one most memorable uh experience is when I travelled to australia also, and it was special because uh for that trip I get to experience the sun because I stayed uh overlooking the ocean so ya I get to see the sun on the other hand I also get to experience the cold


as I went trekking up to the highest peak in, in I don't know where lah I forgot the place lah but it was really cold up there lah ya to the point where it's it's difficult to see far because of the fog that is uh covering the the area there


then I also experienced different culture as that was my first time out from a southeast asian country so that makes it the most memorable, experience that I had before lah ya


travel to right,


, ya the sand surfing seems nice ah ya


(mmhmm)


oh is it ya that is much more nearer ah


ya I did water rafting also in indonesia that was my first experience also ya


(uh huh), uh beautiful


okay, financial related topic


five years ago I would be like eh fifteen, so I will have like no money in my account at all so I think one financial advice will be after O levels better work hard I mean better like work a lot and like save


a lot so that, during JC I would have like a comfortable a lot of money to spend , ya you


I think for now is because i'm i'm not having like a full-time job or something so I don't have like a stable income so I think I will just for now ah just manage my own finances


but like maybe in the future when I have a full-time job then and I don't know how to like plan my finances then I will engage a financial advisor because I think like the financial advisor would, know how to


plan my finances well how about you


true true


(mmhmm) okay , then , (ppc) uh actually i'm a very bad planner when I get because like when I get money I would immediately think of what I want to spend with so like I don't save well but ideally I would like to save


like sixty percent of what I earn and only spend forty percent lah then , for, but I don't like currently I don't have any uh investment so I don't think like most of my money now go to my


savings expenses how about you


~kay


yah same same, I think like since it's such a like like everyone use their phone for almost anything right there's actually like those apps that allows you to


budget like how much you save how much you earn, and like I think I would use that since it's, it will make me like more committed to how much like like in how many months I can earn how I mean I can save how much that kind of stuff


eh, ya I think it will help manage my spending habits so yah you


fourteen right


oh ya ya ya


I think


I have never met my saving goals , even though it's like a wishful thinking I like, I think I would like because this holiday I finally got a job so I think I will try to meet my saving goals by ya like I said earlier like using a budget


budgeting app or like, limiting myself on my expenses ah, you eh


oh, okay


but it's also like you must follow ah because it's just there mah


(hmm) ya , uh okay then


I spend mostly online because of like the circuit breaker and stuff so during circuit breaker I will like , browse internet during the holidays, browse the internet see what I want then if it's like if I think it's quite affordable then I will buy it lor but like mostly I buy towards


snacks, eh that's about it ya for now but ya my my like the stuff I want is always expanding so ya you leh


eh can't hear you


ya


eh I can't hear you, nope


maybe you unplug and plug again


nope


no, nope


or maybe she reconnect like, and


if you remove your earpiece leh


ya ya ya


oh, okay what, strategies would you recommend to someone planning for their like expenditures such as like starting a family or like buying a car or house


(hmm) true


same same


err I guess like, starting a family buy a car house will require like huge sum right so I think, one way to, expand your capital will be like investing like start investing young if you have the enough money ah and like you're prepared to lose some of it but like I think


that's like the best way to expand and of course like working ah and and I guess like, I think the bank account that you put in also like matters a lot because


I recently found out that the interest rate between all the banks right differs a lot, and my savings account, the interest rate is damn low so I realised I have been losing out on all the high interest rates like so ya then after a while like compound interest will all add up and stuff so


ya I think your savings account really matters ya, I think right now


maybe like probably a small portion because like the stuff it's like some investment apps that like AI AI will help you invest so they will, no eh


well I mean of course they get agent fee but like I think is very low, really


I know the StashAway the StashAway don't have like a minimum amount that you can invest, ya, but I feel like since now also the economy is bad right so like we can take this opportunity to invest then


when economy economy is better then our shares will go up , uh I mean it's a very long way to go so


uh marriage I think marriage is like very serious then, like, I think (hmm) , I mean before marriage I will just spend whatever I want but like after marriage you are committed


to someone and like if you want to start a family you have to be serious and planning and being financially stable so ya I think I would, like after marriage I would probably start like a joint account with my partner then like every month put an amount of money then we use that joint account to pay for our like bills and stuff


ya , I mean that one also lah but, err nah it's more of a like like fair mah like you can buy I mean you can pay for bills and house loan that kind of stuff


okay, negative experiences


so have you gone through any lost in your life like, ya


!wah!


eh can't hear you again


nope


nope, you unplug right then after that you plug right


nope, you try your computer speakers, nope


no you try your computer speakers first, nope


oh eh can hear you already, ya ya


but


for me I wasn't very close to any of my grandparents so like uh when I was J one both of my remaining grandparents like passed away in the same year for me it wasn't I I wasn't


like very sad but like I felt, sad for my parents lah because could tell like they were very they were mourning a lot and like , ya it was a quite a very a very sad experience lah but like it made me think more about like how precious life is lor or like


how we have to cherish our every living moment with our, loved ones, ya


I think basically, one part that contributes to my stress is I don't manage my time very well so when I have a lot of commitments together with like school I would get very stressed for example when I first started uni I was in like


I was a, like a event head for some competition and like I was in the EXCO ah so and because I just first started uni mah so I wasn't used to like the workload and stuff so I got very very stressed


for the whole of first semester so I didn't really enjoy my time, and, ya I didn't like when I get stressed I also didn't want to hang out with my friends so because sometimes I also like didn't like I missed out a lot on like supper that kind of like typical campus hall


stuff and, ya, but after a while I got I managed to, uh I managed like my workload in semester two so it got a bit better, what about you


true


you could have done better


ya


let me think , it's probably a person like I didn't really share this with my secondary school friends but like basically when I was sec three I had this senior you know who i'm talking about right


like basically , he took interest in me and uh, he was really dominating and like controlling because he was like our section leader and


since he took interest in me right like he would chat with me everyday but the thing about his chats right is it's damn gross like he talks about pornography like it's very common or like


he will, (mmhmm) what else did he do, or like he will talk about how his he finds his classmate very sexy, ya and like it's very gross ah and


very, one thing was because I wanted an EXCO position then because he was the section leader and I think he held like a high position in EXCO also like he was one of the heads ah so I wanted to have a good


I wanted him to give me like like a good, impression so that he will like recommend me to be an EXCO member and because of that like , he manipulated me and my friend a lot then


after that, like like he would he was actually very scary lah like after school he will message me say like he wants to meet me then, even if I said no he would like


he was very controlling ah like he will threaten me and stuff and, I think after the experience I was, very sad like I didn't really share with my friends but like


no lah but, but he very big sized then like, no it's like eventually I I found out that in JC he was also the same like I know people who he also said like those disgusting stuff like he would want to like like what stuff like sexual stuff he want to do to them that kind of stuff


but like yah that was pretty traumatic it's like it come it come to the point where when he comes back for band practice I will be like super scared and like avoid him at all cost


ya, he was, he's actually your senior's friend , <unk> like ya I wish him to the worst in life, how about you


I think the worst feeling is like feeling alone in like a group of people like with people around you right


expectations, ha, no eh I think I was pretty happy with my A levels cause I had no expectations I like for me before JC I think my expectations were pretty high for myself


so, it's basically like , like a vicious cycle lah like I have high expectations so I feel disappointed by my results if I feel disappointed by my results I tell myself I shouldn't ex like how to say ah like I shouldn't try too hard


so if I don't try too hard I would have low results will also yup then I will constantly like feel disappointed by myself lah so , probably ya probably sec three sec four ya like I really want to do well but


I just didn't put enough effort lor like I felt constantly damn stupid because I was in you know the best class and like everyone was very competitive like the worst thing was the teacher would display the results of everyone


like it it sucks to see like everyone getting a A one or a A two then I would get like C five , like I think in E math


being in that class was super toxic like even during even during recess everyone was studying in class one leh it's very intense, then like people talk ya ya ya ya then it's like


back then I felt that results were everything lah like improve my worth but like afterwards, like I learned that obviously it doesn't lah like it doesn't meet anything, so ya


positive experiences, okay so like what was your best birthday present and like why leh


!wah!, oh that's so sweet, !wah!


!wah! that's so sweet


I I wouldn't say it was a present I think it was more of like the best bounty experience you know do you remember in sec four like my birthday oh my gosh like up till now I still feel very touched when I think about it like so basically on my birthday it was the day of collecting results for


sec four I think like mid years or something lah so like we have to collect our report books then that time my results also like very sucky but anyway so on that day I didn't expect this ah but you all planned like what a treasure hunt right


like for me like you all, like write down clues on where to go then you all ya then you all put around the school then it was damn sweet because like each piece will have a memory with you all or something then


ya so basically ya that was like so touching then I go to each uh location then inside there will be like a Kinder Bueno egg with my face on it then


ya then at the end point it was like what ah my birthday cake ah, like like you all were gathered there, and like we sang happy birthday that kind of stuff like oh that was very sweet because like I didn't expect that at all


and like , ya lah I felt very touched , then what about you like what's your biggest blessing in disguise


!aww! , ya like as you grow older is like harder, to find


(hmm) biggest blessing in disguise , okay lah very cringey but it's my boyfriend so like so like like my first impression of him was damn bad because I didn't like him like he was very


I would say he was quite arrogant in like J one then even though we were in the same section in CCA it was like uh, ya I just didn't like him at all like the whole CCA also know that I didn't like him


then in J two because like my results were damn bad in the march block test so I think one day I I just skip CCA or something because I just don't want to go then


ya then he go and ask my friend uh what ah like why why I skip then ya my friend go and tell him that I was like sad about results then he started , like like he texted me lah on WhatsApp like oh is any is everything okay that kind of rubbish but like ya so eventually like we became closer and like because he's quite smart so


I studied with him a lot and like he really teach me how to study smart then because of that I think ya my like it's all thanks to him that my A levels is also like not bad I would say because if not I would like


I don't think I would have studied as well lor, so ya in like help with my , like my emotions and stuff because like i'm very bad at expressing my emotions or like ya so


no I mean like there's a lot of there's a lot of good points about him mah that I really admire lor so so yes obviously


and like in secondary school I also was very immature lah so it wasn't time for really , so what is a comfort food that you can always rely on to cheer you up


what kind of fried chicken, oh okay


KFC, !huh! so you want salty


I mean after a while it gets damn salty lah then like uh, for me potato chips like since secondary school ah like I think there was a what okay but no like like in secondary school since I got pocket money so I can


like and the freedom so after school I will always buy myself then I think it came to the point where I think got one time ah like everyday buy one packet sia and like eat my Calbee hot and spicy one fifty but like


uh i think, I do love chips but I feel like, I cannot always eat it because it's so unhealthy and like ya it will cheer me up but after a while i'll feel bad eating it so you know what I mean ya


ya ya ya ya ya and I cannot stop eating sia like I will just eat and eat and then I realised that I finished like seven out of eight of the bag then i'm would like okay okay I will stop


and ya , but I finished seven out of eight of the bag then like it's like those Ruffles eh like those Ruffles bag


Calbee, oh ya then what do you love most about yourself


be more mindful ah is it


ya


!whoa!


but how old is she, !whoa!


(hmm) I think for me what I like myself is I guess i'm quite knowledgeable like how to say ah like, since young I would I would go and read up stuff like


for example like uh CPF like what the CPF do that kind of stuff or like very random stuff lah then I would say i'm quite


ya knowledgeable lor like things that kids won't really care about I would go and care and like I plan a lot for the future for example like


no lah no no no things like , like modules modules I planned my whole four years already , ya ya and I would say even though I plan a lot i'm also like quite flexible like if let's say things don't turn out the way I want to then I would just change it ah and like adapt lor


then , describe a time when you got appreciated for your hard work


yeah


ya ya same


!wah!, !whoa!


!wah!


when I got appreciated for my hard work , probably like this is a very small thing but like when I first started uni I had this module called programming methodology so like


it's about it's like learning python ah, then since I didn't have experience at all right, and I didn't really like the how to say ah the workload for this module was like a lot like a lot like it's like equivalent to two modules then because some people around me had experience already so I always rely on them for the


like for their code for homework lah then because sometimes I really like I didn't really know what was going on so, up to until finals I think I was still struggling so I, luckily for this module right they give you the option to extend until the next semester like half of semester so that you can retake the finals and the practical exam so I chose to do that because I think I like


I failed both of my practical or something my practical exam at finals for the first try so for the second semester like I really worked hard lah like I everyday do one paper that kind of stuff , ya it was quite insane lah but like I feel the teachers for this module was also very dedicated so ya computer science I mean computing department is good and


in the end I I guess I did quite well like it didn't reflect of my grade because sadly there was no bell curve for this module but like I need to see right like I was above the seventy fifth percentile of everything so I was like


shoot, so I like that's the first time I felt very appreciated for my hard work because like, ya my first semester in uni wasn't very good like I struggle a lot with


because the math modules that I took in uni it's like it's not just about computation anymore it's more about proving and like, it's a no go man like


for me like, for calculus maybe like, sixty percent, then forty percent will be proving ya


it's very it's not intuitive, so like you must know I don't know ya it's hard ya


it's okay lah I mean you won't have a lot of math mods I think, only the for I think probably like the earlier levels lah, ya


ya done, financial related topic


right so what's one financial advice that you will give to you five years ago


for me five years ago (ppc) so I was sixteen years old that time I think I would tell myself to work harder so because


and spend lesser because five years ago I think it was the period I started online spending so , like I went online to buy quite a lot of useless stuff like for example, guitar guitar to me it was something that was quite useless because I don't know how to play I tried to learn but I gave up after like maybe like three minutes so like so ya so in the end I sold the guitar like


this like like just recently I sold like the guitar away then also like work of course definitely to, work harder and save more, so that I wouldn't be as broke now, yeah


so do you think you should get a DIY or get a financial advisor for your finance


for me uh I mean, right now I don't because I don't need to commit to anything what like I don't have to I don't need to pay the house bills the rental fee or like or other family things lah so of course definitely for now same as you I will just


plan myself I mean I will just very easily fifty percent for myself fifty percent for other things, then, maybe in the future I also don't know if I will get my own financial advisor


maybe I will get one and see how it goes, then if it sounds good then I will just follow but it sounds to me it doesn't sound logical I will just I will follow my own plan, cash flow, then how you manage your cash flow


for me ah , I spend I spend whatever I have like actually I mean I would try to I would try to like put half of my allowance or like the amount of the amount I have to spend i'll put it aside first so that like I won't touch it until I need to


but most of the time in the end I would still go and use those money so, I rarely have savings unless i'm working during the holidays, but otherwise but even even if I got savings


I would spend finish like which is my current situation right now, and I don't insurance and investment I would say those are not in my, in my area yet because they are done by my parents so


I don't have any problem with it, yet, so what can you do to earn extra income or improve your income level


to earn extra income the most easy way is to going work part-time to me like, like since since since I think since I was fifteen no since I was, fourteen-years-old ya I started working part-time during the holidays


then I work sales before F&B before retail before, there's also actually there's also one that I saw online was like you do survey online then like they will give you like like extra cash but I realised that you have to do quite a lot of survey like it it really takes a lot of time and


as it also depends if you have you are able to do the survey you if you meet the criteria then like, after a very very long time you will get maybe like a small amount of money which I don't think it's really worth it so


and also i'm not, i'm quite lazy so in the end I just, I didn't manage to get, from like working like extra income from doing surveys I would say to improve your income level I would definitely say plan wisely and be more disciplined


but, because i'm not as disciplined so I always try to plan but I don't I don't like fulfill it in the thing in the end so, I would try again , do you have the habit of saving or how do you ensure you meet your savings goals


for me i'm my habit of saving is always, it it only starts when i'm working, but then, after after school starts and then I don't work anymore and then the money is just there right


(mmhmm) I will just like slowly take a bit by a bit and then I would refused to check how much I have left, so my habit of savings is really bad I guess, but I would say that


one way is how how do I ensure that I meet my saving goals is, I would, put it I would like just got there was a there was a period of time at the start where I don't need that that much amount of money I would just pass the money to my parents then say you can help me to like keep it


so like because I can't take it from my parents right like it's out of my reach like it's in their bank account so I guess, that is one way to prevent yourself from overspending whatever you earn, but


otherwise I think, the your budget app that was like a quite a good one, like, the discipline maybe we can check on each other next time


how you spend your money like where where do you spend it on, is it too much or


but you're working what I because because for me is, I spend my money on quite a various stuff if like


if it is if it is in the period of me working I would usually I would feel very rich like even though it's not a lot but I would just feel rich so and then I will just tell my friends you want to go out and eat I would like I will like treat you so like that's a part of my my money


another part will also be like, online spending since twenty fifteen I like I would buy really, weird okay like what whatever I see there's cute or pretty I will just buy it then when like it comes i'm like why did I buy this I have no use for it then it's just at the side otherwise I would also buy like


things that I find it quite cool like like the coffee machine that I just bought like I used it for first three days and it's just there right now, it's just there, like collecting dust at the moment


until uni start then I bring, in uni , there, can you hear me now, wait can or not, no


are you able to hear me now, can


eh, okay, can hear, wait wait wait so cannot hear


I off it already, wait I got the AirPods is it okay


can hear, cannot


eh, eh wait why


eh


no it's not it's not


can, eh


no it was running just now that's why, no no no like like like like like it was weird like like when I speak just now it's still running


but then like you all couldn't hear, yes still running


what strategies ah I would say maybe go and get a financial advisor first , because like they are they have helped more more people like more families to like plan for their expenditures and also I would say to everyone to save to start saving early


so that when you start to have like all this commitments you wouldn't like you wouldn't have to, panic and like oh no like, why like I don't have enough money to start a family or like buy a car or whatever


so I guess whatever my parents taught me it was true because they always say start saving from young, so I guess both of us should , should really start saving , and then


I would say definitely to not, to spend wisely and not spend so like spend just based on your, based on your emotions because especially when we are sad or like when you're happy I realised that


I would just go online and like just, scroll through those, those pages and like oh my god I want to buy because like when you are there when there's changes in emotions you tend to splurge quite a lot


like when you're happy you will like think oh since it's a happy day why not just just buy just buy buy buy but then when you are sad then you like I need something to to comfort myself so you also buy buy buy


yeah, how about you


then do you do you ever want to like, have you ever started off like investing


no but AI you have to like pay right like, it's like you have to there is because I online ones, like AI like, one one thing that's bad is that, ya it's quite high


like compared to others, I think


then how do you manage your financial commitments before and after marriage


what I thought you gonna say gonna that joint account is to save money one


negative experiences


I I would say definitely have, of course because, I would say it was in twenty fifteen may because that was, the month that my that my grandma passed away


like, because I also remember it was on mother's day of that year that I received the news that she passed away, and also, that I have a lot of regrets ah because she's in malaysia and I only visit her


in and I only visit her, wait uh on hold on ah


are you able to hear me, can cannot, eh


how ah , hold on ah, ya , are you able to hear, can ah


wait can you hear me now, cannot, are you able to hear me now, can cannot


I actually playing my AirPods, can


cannot, oh shit


can you like hear me now cannot, err oh no


can already, no, oh my god


like can hear, the computer speaker also cannot, and now what's happening


wait can cannot cannot, no, ya, eh hold on ah


can you hear


can you hear me cannot, can


okay okay


I didn't manage to go back because of exams and like stress so , in twenty fifteen I think during chinese new year I didn't went back and then also, like there were many stuff that I I regretted doing like for example was


my first time when I went overseas with her to China, and then because because it, it was a it was with my family so there were six of us so, we had to sleep in pairs what but then


also because of the of that tour guide she was like telling us, all those ghost stories about in the hotel so I got really scared, and then you know because my grandma is old and then she doesn't speak a lot so I will always feel like that that eerie vibes when when i'm in the hotel room with her so i'll i'll I I would cry and like go to my parents' room and say I don't want to sleep with grandma


like I think like, it was something that it was really stupid of me doing because, I could've used those time to spend more time with her, and like after like I knew all the news of the her passing away I just I think I just cried for three hours straight


like in a bit, and, ya I mean there's nothing I can do with it other than regret, and and that's all, how about you


true, that's that is also why like, I will always, try to, spend more time my parents because I honestly know that, that I don't think that they can see me and like grow up until like very


very at a large age but at least for now, we can, spend some time together, what makes you stressed


what makes me, stressed I guess, many things that makes me stressed like, like I would say, definitely studying and, like because I have high expectations for myself definitely


like, in my mind I would I would just think of like, if you aim higher at least you wouldn't, score that badly like it will still be in that region but if you aim low you'll never get better


so like, definitely, if I don't meet my own expectations i will just, be like, like i'm like asking myself why did I made this mistake and why did I make that, mistake like for for instance in like in JC like they say is quite hard to get A or Bs


for your mid years or like, all the tests and exams but, but even though I don't even though my result is definitely better than a lot of my peers, but I would still, I would still have like that feeling of like


of like why didn't, yah so like it really stressed me out quite a lot I would say is, anyone, like for me I just wanted to like


like, just be just be alone I would say, that's why there was a period of time like I even didn't want to, go like drink like lunch I didn't want to eat with my classmates and stuff I just


wanted to be somewhere alone I guess that was like, quite bad I would say, that's why is it is always after exams that I will always try to ask people out because I have the mood, like otherwise I don't think I would really want to like meet anyone


otherwise what else makes me stressed, I would say my parents makes me quite, stressed because, I would say my mom ya like she she nags a lot she scolds a lot, and like


and also, just because like I don't like been to be been to be controlled by anyone actually, like if they started saying asking me to do things I would usually do the opposite so like


so like when she get pissed off then I see my dad in like stuck in the middle because my dad is always the one that that is like trying to like keep things cool between everything between both of us, but I would tend to break


that, and I would just like I I would cause things to explode in my house actually, like ya, then what is the most traumatic incident you've ever experienced in your life


oh ya I know the dance senior right


!wow!, quite gross, why do you why do you even continue chatting, with him, oh no


you could have told me I i'll i'll and punch him, both me and ling wei would have punched him, it's okay we can we have can take weapons


I guess, I guess it's over, so


for me most, traumatic, experience I have ever experienced, I, I don't I don't really have, quite a lot but I would say


one thing that, traumatized me quite a lot, was, the JC life my first year, because, it because it was a class of it was a biology class so there were more girls than boys so that was like


twenty, twenty girls and, three guys I think, like personally, because, I so at at the start because it would most most of the girls they were from IT so they actually they knew each other already


so like I at first I was trying I tried to like, clique in with them like like to be friends lah not not not even like be in the same and they just like be normal friends classmates, like I really tried it was my first time trying so hard to be friends with someone but it also to the point of like just in the second week of school


it was my first time I ever felt lonely in the class like I almost cried out in class, it was like it was english class at it I rememeber it was a GP class and then there was like a table


in the table were in a U shape so each table can sit around five students one, but I don't know why but because I uh I think I was the only, I was I was the only one sitting on in that table only because, like there were two students that were absent


but then I was the only one sitting in that table so like I don't know why but I just it just felt so empty and cold I just almost cried out I think I teared a bit , then also afterwards like, afterwards I started asking my friends am I am I am I a bad friend or like stuff like should I change or something like like


like questioning myself, like why why I don't have any friends like why can't I make like friends in that class, then it's also, it's, to me is because I have never felt so lonely my whole life before


like even though I like to be alone but, but it's a like a different experience so, I I think that was my first time, having that kind of feeling and like that like the whole period was just very bad because


I would I would just like like in the morning I would just try to act happy and then like and like try to talk to them like, whatever they are talking I would always try to hear but even though I don't understand what they talking about


I will just try to blend in with them, but then inside I know that it's just superficial, ya


yah and that that that that is me because they're like one whole big group of like girls, for


expectations, probably A levels right, is it A levels or


oh man


I mean it it works both ways lah , oh serious


they they they are not guys


[eh]


positive experiences


for me I guess the best birthday present, would be, my friends definitely and it I would said if it's just the present itself I would say it was it is this gift box that is like a pop up gift box by my class


like last year, they gave me because inside it has all of their it has my like a photo of me and, each of them and then they write they wrote their messages behind


ya like to me it's really, it's really touching because, for me I retained a year because I didn't really like my my first year, classmates because I don't think I can really clique with them like in the same level and then so I decided to retain what


so, it's actually quite a risky decision for me because, the new the my new batch of classmates could be good or bad like ya so they might also be like


like they'll be like thinking why did I retain and all this stuff and they might have a lot of questions but they don't they didn't really have any questions they just like oh cool then and they really accepted me for who I am and i'm really happy that I knew them


like, ya and that that gift was like one like, it was handmade it wasn't like the you buy already so like they really make from scratch and everything, and


I really like okay I mean I mean although it's collecting dust at the side right now but it's still touching ya how about you what's your best birthday present


oh ya ya ya we we would like running around and, it was like a location right


I guess it was


that effort was good , I would say the biggest blessing would be


would be definitely, to be able be like, born in this world even though it sounds kind cringe but like I would say, like to be able to be born in singapore and like in this situation in this like family situation although like I my family is


it's not very wealthy or but we're just like an average family but if you compare to like those africans kids i'm sorry, it's really, really really really good because there are many kids out there who don't even have enough food to eat to even survive but we have here