and if you have this much money, do you need to invest everything no because you need to keep some for yourself, so point here is is DIY, or financial adviser I would say you need to have both


so if you go with both approach you more less you have , an understanding of, investments okay and of course with the guide of financial adviser it’s good the adviser, will help you to uh explain to you so you understand better about each investment that you are going into


and of course when you do your own research you probably will have an idea right, and some maybe sometime you will not very sure about that, investments then the financial advisers, uh that's when the financial adviser comes in because


he or she can explain to you what it is about in detail then you will have deeper understanding about that investment so I'll say both method is required not don't just choose one, so don't go into something without knowing it


and rely on someone to just you know point to you oh you should invest in this you should invest in that no you must have an understanding of, what you are going into, understand


K, ya ya it's still running


uh firstly never never be in debt because when you are in debt it's , very difficult situation that, if you are in debt and you want to get out you need to have a very very good discipline okay meaning you firstly don't ever


get into another debt, because you're already in one debt, secondly you must always save up to pay off the debt, quickly don't, borrow money to pay off the debt because you're getting yourself into another debt so having one debt is already very bad


so saving is critical, okay and pay it off as quick as possible, and one thing about this debt I want to emphasise, don't get yourself into credit card debt meaning like if you


no credit card if you have a credit card you know that plastic card right, when you go out shopping it's so easy to just, swipe the card because you don't pay cash, okay it's a credit cards like at at the end of the month you will get the statement that's when you need to pay


and these can be so easily done because you don't see how much you are spending every every time when you swipe the card at the end of the month when you get the bill you get a shock how much you spend, and if you don't have the money to pay then


your, what people do usually pay the minimum sum and the remaining will be rolled over and the interest rate on credit card for that is very high, and that's when you are end up in debt, and that's the worse


I think you should shouldn't even loan shark you mentioned, don't do it


exactly, it's very very important that's why


!huh! let me ask you this question ya how you manage your cash flow, your daily cash flow for example, ya


(mmhmm) (mmhmm) that's a good start


ya that's a good start very good must keep up with that discipline, especially at your age you must keep up with the discipline don't spend on impulse , ya


ya okay, okay, you can ask me question five


uh I think uh CPF contribution is good okay because uh, is part of forced saving forced saving, because every month uh twenty percent will be deduct taken from your salary right and put into CPF your own CPF account and CPF gave out interests as well two point five percent which is better than most uh bank savings rate


okay so it's it's a good force, uh way of savings, and you can use CPF eventually, to pay off for your monthly uh mortgage for your home


and if you don't use that then the CPF money in in your account will keep, you know earning interest and that is formed like a pension for you when you reach fifty five, so


my my point here is that CPF is, it's a good uh way of saving, it's also a good form of pension, alright so let me ask you about uh point eight here what what can you do to earn extra income or improve your income level


nice how is it good response


why not, ah, very good very good because there's always somewhere to start


okay uh right next question do you think one should own a credit card


, okay but be careful must have discipline when you own a credit card


uh my advice is always, discipline discipline is important when come to financial


and uh also start planning your financial early even though you are you eighteen it so you have, you can do that at this age don't think that oh it's still a long time for me to retire I can start planning my


retirement later no you must start early because uh the earlier you start the earlier you accumulate your wealth and do start investing a simple investment you know you can buy even life policy or endowment policy as anything you know everything start from small and then


it grow into a mountain right, so that would be my advice uh if you start early in saving and and investment then, you know you you reach your target by the time you're thirty forty years old you know you're already reach somewhere your retirement


part three negative experience, okay


it's about well my job when I work so hard, to get the task done you know project basically and, at the end of it


people don't really, appreciate that much watch their effort that I put in so that's the time when I felt like, nobody really care about how much effort I put in working extra hours after the standard working hours


so you put in extra hours to complete the task, and all they just say okay thank you very much that's it but that's it, no no one I felt that no one really care the amount of time being put in to get that whole thing done


and it was done properly, I mean they, they know that it was done properly because, they see the results but, it was the whole project was handed over, taken off by somebody


to present it, to somebody else you you get what I mean, so I felt there's no recognition for it, and that's why I felt like no one really care how that you actually put it all that effort to get the job done and somebody else just take that project away from you


and move on and get the recognition so that's when I felt nobody really care so sometime if you think that why do you want to do, so much you know sacrifice their personal time


sacrifice a personal time you know to do to do the task in the best effort that you can, the there's a time when I yup


so when is your most heartbreaking moments in your life, any


, okay alright describe describe a time when you hurt someone's feelings, have you hurt someone's feelings


(hmm), (hmm), there are many hurtful words uh one of the I would think one of the hurtful words I mean


would be like if I'm being called useless, ya, or if I'm being said


not not able not competent, so this is hurting because it's just showing that it is not it showing that you are not able to perform something, okay useless not competent or


then you say maybe I don't know yeah this is uh some of the hurtful words to me, yeah


but we human sometimes it's so difficult we tend to remember you can forget but you can yes that's why not easy


yup, !huh! betrayed again it's based on job when, the job was basically done by me everything done by me and then


presented to my supervisor, but you know my supervisor get a recognition for it, get all the uh good work good good job well, done you know that I just get thank you and I felt totally betrayed because the amount the effort


was done by me the idea was my idea, so and because, I'm reporting to someone, so that person however need were present it, and that person gets the recognition so that's totally betrayal is very a frustrating


can, what was the saddest moment of your life


ah what pet,


suffering from any sickness


yeah


, poor thing ya, , oh, all the weird colour hair, but weird colour hair


you know kids these days the teenagers if they they have like uh ya purple, green blue all this weirdest colours have don't like it it's not appropriate for


yeah but it's not appropriate for work not appropriate for, many things, you know when you, if you in a social media job is fine but if you are in a corporate, life will just doesn't match so ya that's my that's what one of it the other way they like okay describe a time when you felt like giving up anytime


thankfully you did not


true perseverance pays off see, very good


I've not witness any thing worse and kept quiet about so I cannot answer these questions because


I don't know, no I've not experienced this I've not experienced this I don't think so, okay


work pressure or work place are the problems uh, uh when I have pressure I have lots to do and if I cannot, complete within the day and I'll keep thinking about it and it affects my sleep meaning that I don't sleep very well


okay so I will, sleep subconsciously so these are the things I mean usually it's work related to the pressure these days, you know where we we work from home and


things are expected to be done quick quick quick so, you can't get it done within the time that I have in a day so yeah these are the issues that will keep me awake at night mostly most of the time actually, but <P2>alyssa</P2> what is the one thing that you will never joke about


, ya, yeah I agree I agree you shouldn't joke about a person's weight or persons appearance because


it's heartbreaking, ya it's not fair especially you do not know, ya, you do not know what the person has gone through


trying their best, you know not everybody's body built the same way so they should should shouldn't joke about it I'll be very upset too if someone joke about it to me


alright what's the worst nightmare that you hope will never happen in real life, nightmare


the pressure ya, so


I did in my past I wish I could undo, okay uh I wish I had study in different areas, ya my I I mean not that what I'm doing now is bad no


which is you know if I have chosen a different path in my academic, then, my life would be different meaning who knows right that what I'm doing now is uh


office space you know that kind of job which which is fine but it could be better, ya because those those days when I was studying I don't have any much guidance so it's just like you you follow


friends follow trends oh you doing this oh maybe maybe this is good I thought I just join follow to, you know so if I had listen to my parents and my brother, you know who tell me that I should no my brother basically say I should go into a different line


then maybe ya that that's that's that, academic path would be a better choice for today's standard, that's what one thing I wish I can undo but of course you, can't


what to do life have to move on, alright describe a moment when you felt that you were treated unfairly anytime


pretend, uh


, that's not fair


those are friends that you can consider them and like a hi bye friends, hi bye, go, only good ones you keep, and you must treasure good friends


part two positive experience, ya


oh my god I can't remember I think when when I was a child no I think when I was a child it was uh uh free you know no worry so you you no technology life was


simple so you just feel like going out we'll just go out go out to play play with sand play with all sorts of things you know we don't have gadget phone or, uh PSP, whatever nonsense in all these days so those days ya we go out play skipping play running so those are the the the simple hobbies simple activities that


ya enjoy as a child, it's different from your childhood , there's plus and minus lah but then you you you were born here nowadays age I been a long time ago plus and minus really ya


, best part of my childhood all I was thinking is that time it was just like, freedom carefree


could go out anywhere we wanted to, playing around and then, school was easier not like these days education is is getting tougher these days those days ya when you after


school no homework, reach school change go out to play, so that was nice you know unlike kids these days after school come back, tuition after tuition, homework so the whole day the whole week is all about


study study study but my childhood wasn't like that it was fun, I I had a childhoods, ya time to play time to play and explore things


exactly but <P2>alyssa</P2> I'm going to ask you next one okay what is the best thing that you have done for yourself


, well done


!wow!, very good right okay who are the people you most cherish in your life and why, !hey!


she will be very happy to know this, ya, I will let her know , alright, my this you should be your question because I don't really listen to music


, I ask you again I don't really listen to music I don't really know song's lyrics


, oh okay


I listen to song but I don't really listen to the lyrics to me if the song is nice eh okay that is nice, , and ah my life will be a little bit better if I'm a millionaire but a millionaire these days is not sufficient to live okay doesn't mean if


you are a millionaire you are very rich now because cost of living has gone up, you know so even if you have a million in the bank, is is not more many people are also a millionaire these days so but if


I am a millionaire ya I will feel a little bit more comfortable I know that I don't have to work so hard, because I know that if when I retire I have that money to rely on , ya that's how I will


feel, ya not easy to be a millionaire but there are quite a number of people these days are millionaire, ya okay <P2>alyssa</P2> describe the moment when you felt the luckiest


have you ever felt lucky


your school, (uh huh), ah


ya of course, ya, ah lucky you, but at least you get into a course that you like, not many people have that opportunity


, ya exactly


!hey!, travel experience !wow!, uh, travel to europe , the yeah, oh yes very very scenic okay hang on


yeah , europe, it's beautiful very scenic very different from asia ya, so many beautiful places in cultural is different so nice many nice food as well so uh the best


travel experience ya that outing for myself will be travel to europe places like italy, spain, ya UK ya, sell and also the weather there is much nicer yeah so


uh nice not not humid, so you feel dry you don't perspire, that's nice, when it is uh at night in the in during normal summertime and the day is hot, but you don't perspire


at night it's cool, so ya you have experience to different weather in a day so it's nice, uh, very scenic you see all the different places you know the different buildings


uh I don't complain about singapore but, it's just different and so we talk about travel experience ya I think europe is a nice place to travel to uh really like to visit europe again when all of this is over


describe a time when you can't wait to attend a special event or concert


meeting your idol ah, ah so next time when they come here you will definitely go again


!wah! when COVID is over you will you will come back you will you will queue overnight for the tickets, !huh!


so what is your best surprise, what did they do


so they actually hide in your room, !wah!


ya see, event, my biggest blessing in disguise, tough question here


not really sure how to answer this you know okay, uh, he's having a comfortable life I would say, comfortable life good marriage happy, this is my I'm not sure whether this is really the answer to this question or not but


biggest blessing ya, happy, happiness is the key to, everyone, especially to me if you are not happy then you know it affects you in and every way


alright, question twelve for you, describe a time when you were helped by someone in your time of need, have you ever helped someone


ya you were helped but ya someone helped you


but I think so, I guess so should be able to why not


, your mum will be very proud of you I will share this with your mum later


, uh the happiest moment in my life, was, when I have when I was told that I'm, was pregnant with my first child


that's the happiest moment ya you know, so when I knew, that I was pregnant, and I knew I'm carrying my child in my tummy like ya I felt really really happy


and you waited, waited nine months and give birth, you know ya that was the happiest happiest moment, yeah exactly yeah


ya life is good, yes okay <P2>alyssa</P2> I'm gonna ask you next okay share a funny inside joke that you and your group of friends still laugh about until today


there you see, think of the other side you never know, positivity , ah that's good


(mm)


part one finance, uh start right now okay


how do you invest your time, in money to accumulate wealth and or and or planning for your retirement


uh interesting okay that's that's a good answer, okay the next question is what strategies would you recommend to someone planning for their big ticket expenditures


(mmhmm)


oh okay , okay I learn that from from you, okay uh there are the third, third question is how do you spend your money and which expenditure is justified and what have you been spending too much on


yeah , yeah


okay, for the fourth question is should you DIY or get a financial adviser to plan for your finances


okay, okay ya understand I learn that I take that down, uh the fifth question is, what advice will you give to someone to get him or her out of debt


ya I'll try uh, uh, ya <P2>anita</P2> , what advice would you give to someone to give him or her out of debt


like loan shark is it, oh credit card ya, (mmhmm)


okay, I mean that's a good tips lah like actually like savings is really important because you never know, what will happen any day at point of your life like, who know the next day, something will happen like like for COVID said like


once you get the vaccine not everyone is like able to actually pay to get the vaccine and then to get tested and all that stuff so I think like savings actually really really important, and also make sure to pay all your debts and clear it out before, you have more things coming in


ya, eh you can ask me a question six actually


uh my cashflow is it for me is I set like a, minimum spend like for each like let's say like like if I want to spend on like clothing on that saving and like for like investment


and stuff, like I do it like per month like let's say for, let's say if I want to get clothes and stuff for myself right I will put at least a budget about, fifty dollars, per month but that but that doesn't mean that I can


must, that hundred per cent spent fifty dollars on it cause sometimes like for like let's say like food right now is also like really hard to get like cause of COVID and everything selling at high prices I think, you should spend more like all these necessities daily expenses


rather than on clothings and stuff so I have like a book when I record like how much do I spend per month and per week and that will the will showed me also like, do I really need to spend this amount the next following few weeks, so I think by recording down and like managing how much you can spend on each categories very important


ya, so for me like I usually spend most on, food like daily needs stuffs like food or drinks, and like investment I think that, it's like the most important thing rather than, unnecessary stuff like clothing and et cetera and stuff ya all those


try to lah , ya, I mean sometimes you know you want to treat yourself and all those things could either be quite tempting


but overall, you know what's best for you, ya, you want to ask me the next question also or I can actually ask you that, okay uh for, question seven what are your thoughts on CPF contribution


(mmhmm), (mmhmm)


eh that's a good, personally for me how I earn like extra cash is like me and my friend we recently started like a baking like a small baking business like on instagram where at first we didn't really thought it will


be that big a like we just did for like you know for passion and like stuff and then, sooner on my friend like suggesting like !hey! do you want to like start selling instead like we can do for like small and medium and like you can charge a delivery worldwide like ten dollars and so on and you can earn as an extra income since we are like still students and cause of COVID and a lot of jobs that got affected as well so


that's up to now it's been like few months since we started this business like on instagram where like we sell baking like cakes fruits, uh what else like cupcakes at any sort of dessert that you can like


find lah that not ya, it's quite nice ya so far is good response it just that because of a lot of peoples away also like competing with a lot of like other accounts because of, COVID and like I think every we didn't know how long we will actually be locked down right


so I think everyone started doing this business and then, ya I think is like almost everyone right now is doing this also, but I can say that ya we did, earn quite a good in extra cash doing there even though we actually thought to just do it as a hobby at first


like I mean if people want it to get more I may I will I will mind making it for them to earn the extra just few cash you know ya means also like our passion also to just bake and do what we like so it's actually I think is a good idea


yeah, yeah


for me, I personally think yes but depending on that age that you are like for my advice I think eighteenth is like the good age, where you should get a credit card I think people who are like minus like below they probably tend to like take advantage of that and then start spending everything like on what they want so I think ya I think having a credit card is really important because let's say like right now


in this world honestly who carry cash right at this point like everyone is like using card or like even on their, phone as well so I think like it's very convenient as what I say it's very easy, so I think like it's also very good to have a credit card even though there are also disadvantage like people can just steal away your credit card details very easily and like since right now all you have to do is just tap and go and that's it


and we don't and like people can just take our credit card anytime, and we won't even know like how much we have spend but there are good and bad lah but overall I think that, it's actually good also to have a credit card, like for me personally I never thought that owning a credit card is very important


like I always think that it's very dangerous and stuff but now I mostly just carry my card and my phone and I'm just like set to go, ya okay so ya


so the next question for me is what advice would you give to someone in order to retire comfortably


(mmhmm)


do I stop or


part three negative experience, okay any time describe a time when you felt that nobody cared about you


but gets like that but get less in return


uh I think heartbreaking is probably when, I kind of screwed up my N levels, where I kinda missed I miss just by a point to enter to get to takes O levels so like I when, I was in sec four I got about I think like twenty points and then I get into sec five to take O levels you have to scored nineteen points that that the singapore system that's how it works like that so


I mean I was a bit I was I was literally I was upset I didn't even know that will happen to me uh because everyone got their results in like the hall and I was the only, one that that was supposed to go to the, principal office, so I was like kind of like


really shocked at that point during that time like why am I being called to go there and everyone is like in the hall you know so it's like oh I already knew something was up, that I already had a bad feeling like okay I think I'm I'm actually not going to do well in during my N level, so when the moment my principal she kinda said like oh you know why you're here right so at first I was like


I don't want to say it but is it I didn't do well and then she quite she said she just broke it to me and saying that ya you missed by a point and everything do you want to repeat, the whole N level again or do you want to go to ITE, so at the point of time I already knew that ITE was literally never like my choice because


it's something that I think my parents don't really look forward to so, I was kind of confused that the whole entire year, I studied really a lot like pull an all nighter and a lot of, times with my friends and everything and then


I didn't even get the results that I wanted but I mean you know past is the past and right now I am I have O level cert anyway so that it didn't really bother me but I mean if you put in a lot of effort and you don't get the results that you want that kinda sucks lah


but I mean I mean look where I am now I have O level cert I'm in the course that I want in poly so I that that doesn't really affect me anymore but I mean I learned my lesson so it's fine, ya


for me, I mean eighteen years of my life I'm sure there are points when like other people's point of view where like I hurt their feelings but mostly it's like


both sided, well I I think just not few months ago I think I just ended like a friendship with my friend for like eight years so like, I hurt her feelings but because she also hurt my feelings you know so it's like I'm not trying to attack her or anything but it was out of the blue was like a really random text message that she just wanted to call it quit already so


I was hurt by it but at the same time I also needed her to feel know that what she was also did it to me, and she said that, I'm hurting her in a certain way and like how she doesn't acknowledge it but I mean people would never think of their point of view that oh I didn't actually hurt this person we're just making things up and stuff


but overall ya I did hurt some people's feelings but I not saying it just for the sake of for the fun of it you know they're like if you hurt for me inside oh if something's bothering me I should tell you and not just keep it to myself so like ya okay


for me so next question is what are some of the hurtful words someone said to you that you wish to forget


(mmhmm), just don't get it, don't put it don't worried too much you know people haters are haters you know they're always people that will hate you so like you can't expect


, you can forgive but you can never forget, ya, part of being human you know but it's okay as long as you don't hold grudges on people it's fine ya a lot of people who tend to do that which is kind of annoying okay so the next question is describe your time when you felt betrayed


ya wish when I get into like these business office job I hope, I'm just have to prepared to get through that, uh


do you want the next question, can, think for me is when my pet died away died died away died oh when I had my dog ya so like when I found out that he died last year


after they after like taking care of him for almost like thirteen years, so it's like really sad but I mean I you have to be, fair for it ah dog life it the they only live for up maximum fourteen years or fifteen years I can say but it was quite sad I was heartbroken I was actually doing having my


it was on that day when I had my CCA training and a lot of things was going on during the day, so when I got a called from, one of my friend uh, my, family member that when my pet died, and my jaws like drop like what


like so unexpected you know, I think she he my dog went through like a sickness I think, I'm not not really sure because actually he actually seem fine but, I knew that he was actually quite getting lazier lazier day by day and something was really off but I thought it was just him getting old and we actually went through a doctor checked but a doctor was like saying that nothing is wrong and stuff so like for him to just pass away hours I was like then


which is really unexpected but I mean you know it's part of life, things happen and like you have to get prepared one day we humans also will die you know, and you just have to get through that so just have to be blessed that, every day we still get to wake up early we still get we are still able to get to wake up


and like continue our life which I think not a lot of people, tend to appreciate that, like instead of complaining oh how your life is so tough and bla bla bla and stuff like I think they should be glad that you are still alive to this day especially cause of COVID even like you never knew


with this sickness with this virus going on you never know when, you're life is just going to takeaway anytime matter of seconds, so ya , okay what is a popular trend that you dislike


you mean my hair, like those colourful rainbow strands


is always like a trend a phase trend that will come and go from time to time, ya


yeah, during during my O levels, because, mine is basically a lot of education ya think education kind of make a very huge impact on me


I think I mean everyone will tend to give up on like the things that they do halfway but, at point of time I was like studying a lot and then no results was like showing like there's no improvement and everything so I'm just here like at that point I was like oh should I just drop out and just be like you know start a business something singapore but you know that's very hard also


to lead to live, if if you have no education so especially, because singapore everything is like oh you have good education O level A level you get a good job and bla bla bla you get good money and stuff, so I think at that point ya at first I didn't really care like I just felt like I couldn't do this anymore with my O level


I was like really tough and really hard, so I at that point of time was just like a phase ah but think I'm glad that I didn't give up anymore because I think without like having without having a diploma cert or O level cert I think I wouldn't really have uh have good future


so ya, what's the worst thing you witness and kept quiet about it


yes you tend to just like say it out is it


oh it’s okay, what's the problems or issues that kept you awake at night


think this I think I think probably like the most basic and common answer for me I think is about weight, like you should never really like, judge about you know and like, I think weights are very sensitive topic but some people tend to like think that it's not a big deal like you know there are people who are skinny then you was like oh why don't you eat more and stuff is like saying that people who are fat why are you eating a lot so it's like


I think weight especially regardless of gender lah whether, I think a lot of people will get, very sensitive about weight topic so, that's one thing like you should never really judge never really talk about and joke about it's like saying like oh my god you're so skinny oh my god you're so you're so fat or like you are a bit overweight you should lose a few pounds or something but think of all you never really judge that about any person


I'm sure they they themselves also know when they look through the mirror at least the every day and they see themselves I'm sure there are also aware of it so I think that's you know some things are better left unsaid, ya


ya, (mmhmm), but some people they have like their problems also they're like trying too but it takes really long time for them to achieve result


, I think failing in my academics for the like turn up ya like I don't I don't really have I will nightmare nightmare just not getting able to get to succeed in well in life


especially your education because singapore education is not really that easy as I could say lah in my perspective, ya so I just wish to like never fail and to just, do well in life and just keep continue like continue and continuing to do well


I mean who will want you know like let's say one day you get fired from your job and then you really don't even know what is the next thing that you can do so it's like ya you're get same goes for me okay what is the one thing that you did in your past you wish you could undo


it's part of life, mean up to this day I still have this feeling ah I think it's regarding right with my friends like I can see like


how you know how like you act around when like when like act around when they act around, with me alone is like different ya they pretend to like be nice and stuff for if there a group of friends they be like a whole completely two different person like two faced, so like I try to voice out my opinions but they just take it as a joke but you know when the time will come


it will come lah just get to like prepare myself and just to say it to them, because they don't they treat me like like I'm nothing like, I'm like a is it gonna outstander like just being left out basically like a lot of times I felt I was being left out and they think that is not a problem ya but you know


what to do, ya , ya


part two positive experience, what is a hobby or activity that you felt happiest doing as a child


like do you like to play dressed up, ya, no no technology


yeah, can ya I mean I also wish I was born when I was during the olden days ah it's not gonna lie


cause life was very easy also, ya, okay, the next question is what were the best parts of your childhood


study until twelve midnight, like


you had time to yourself and to play with your friends and bonding and everything ya but right now is just, getting like the grades that's all people care at this point it's just, A A star A plus and everything


ya, think personally for me, since I'm, I don't really have like the brains I should say like there has like a really good


like smart brain lah like I'm not really good in academic wise that's what I can say, so like, my mum when I was twelve I think when I took my, PSLE I didn't really I didn't score that well and that was like, really heartbreaking at but I could knew I knew at that point I didn't know ah I knew I was uh wasn't going to do well at that point but it made my parents really upset lah because


and they actually expected something a different route as well which I didn't follow end up in their expectation, so anyway I will I came I went to normal technical when I was in sec one which that, also didn't make, never help happy as well because I think in singapore when they're in NT and ITE and all these kind of school that's that you are under the school


you don't really like show a good impression to like uh the adults and like the future jobs that you want like they tend to look down, ITE, and NT that's how I knew like during that time I'm not sure whether they are still looking down right now or not but I think because of that


I my parents are advised me saying that how, in singapore, as you get older life is going to be very tough and if you want a really good job and a stable future a nice house everything like you want like how other people want how other people have


in other country you should like academics very important lah, so later they push me really hard when I was thirteen and now I'm and I didn't even know I could actually even end up taking O levels examinations which is really good, so that's like the best thing that has ever I've done for myself which is that I that I achieve good results during O level so I think that's ya that's the best thing I have ever done for myself ya


for this there are there are for me there's different category for this like I can say but obviously the most important person who I change in my life is my mum


like without her honestly I wouldn't even know where I would be at this point like she went through a lot of hardship to be where I am right now and to like give me the best education, and the best tutors and everything to like succeed in life which sometimes I wonder lah like why do you put a lot of pressure you know like


I wanna do this certain thing but you don't agree but I mean overall in the end you know like they always say parents always know best for you, so I will just stick to that and just follow what they asked me to do and not say anything because at at the end of the day they are the one paying lah I have a job but I don't think me working at my job right now could like stable


me for the rest of my life with the amount of money that I have to work for hour per hour like it's only eight dollar per hour so that I can say that person that, I wouldn't really say people okay maybe people my family like they motivate me but I think the most important person is my mum


so ya but and that their friends also that also I cherish in my life but you know at the end of the day that families are the one that is always will be there for you and not friends, or maybe friends lah but at the end of the family are the ones lah, ya


ya maybe I should tell her after this okay, so what is the best song lyrics that you have ever heard


, best song lyrics I don't really think that, for me I can't really exactly remember the lyrics but I think there are


there's uh this one song that has a very deep meaning which I can't I can't really remember I think but I think it's by, selena gomez if I'm not wrong called like who says, like


ya so basically that song is where it tells a story about how, and like we live in a very judgmental society nowadays and like everyone will judge you no matter what you do in life you know so just do what you do what your heart tells you to and just go with the flow like people


when people see you happy they will like hate on you for being like that if people see you being sad will be like oh why she so emotional, why can't she get her life together like fixed and stuff and that's like the meaning behind it's like to just do what you love and do what you want like not really care about anyone because no matter what you gonna do people are just gonna judge you for it so yeah I don't really have a best lyric but I know the best song is who says by her by selena gomez


ya okay, I mean, yeah the sixth question is how will your life be if you were millionaire


, I mean who doesn't want to be a millionaire, ya, ya, I also will like uh mean if you have that opportunity to be rich for one day who wouldn't want to be right


okay, uh, for me, describe the moment when I felt lucky, I think


I think the luckiest is probably when I got accepted to, temasek poly ya because I study quite really hard for O levels last year so to get accepted into that course I mean


probably everyone is like saying oh it's easy to get accepted to your course just as long as you meet requirements and stuff but then because a lot of people are also like competing to get into the course that I'm in right now which is business, so there’s like a maximum capacity as well of how many students can be inside so when I got the email saying that I got accepted to be in


to get into the course that I wanted I felt like the luckiest person in the world lah like I mean if you work hard for something and then you want to achieve that and you actually got the results that you want to, is like the best feeling in the world right ya so that's the best thing that has ever happen in my life so far


okay , ya that's good yeah there's there's a problem there's the other side that setback thing also like not a lot of people even though they they were looking forward to just one course they end up getting put into another completely opposite course that they don't even have the passion to think


okay so the next is next question for me is describe a travel experience that left you in awe, europe is it very nice there


oh that's very nice, cold right


(mmhmm), like so different to singapore


uh, yeah, , I mean who wouldn't love to travel lah honestly


okay, oh, this is I think very easy but probably the most basic answer I think you you have heard of BTS before right


the popular K pop boy band that suddenly got trended, like every every freaking girl or guy probably is like love them or something ya for me is I attended their concert last year, which is a good way to start my twenty nineteen because their concert was was held in january


so like to hear them that they were gonna come back after five years, of not being in singapore and, as I was like really glad, I think ah I cried really badly for like three days when I got uh when I able to bought the tickets


because I mean, would I be waiting for this day for them to come lah so, is really good when the moment I felt that I was actually gonna attend and especially when I went there to concert itself and I literally saw them in front of my eye it's quite a big cringe but I mean to see them like personally face to face in front of you is like


!wow! like, oh my god I'm like actually actually seeing you in real life rather than seeing on the computer screen for like uh how many years of my life fangirling over them so that's like the best concert yeah


I will see you know who knows cause of COVID who knows when concert is gonna be able to start ya, okay ya I mean, who wouldn't ah


I think the best surprise is when my friend surprised me for my sixteen birthday, like I was completely, I was completely blank I didn't know what was happening because at that point when I was sixteen I usually couldn't wait to be sixteen


but on that day everyone literally ignore me and no one texted me happy birthday not even my closest friend at all so I was a bit like what the freak, like you know on my birthday you guys do all this do this to me, I mean I kind of low key knew that something was up lah but I mean on all their social media no one post anything and then when I came back home


this I think was I think was at home I think ya they surprised me, in like my room with like decorations and stuff which is really nice which I can understand why they were ignoring me, the whole day, ya for my know my mum asked me to come out and like she wouldn't even like talk to me fully she just say she just go up


to your room then I was like oh my god why she showing me this attitude but okay fine whatever so I went into the room and then like all my friends were like there and kinda said like oh this is why you guys ignore me the whole day, that was like ya there's a good surprise ah to start also ya on my sixteen


what is your biggest blessing in disguise


, happy


oh ya, okay I agree with that also


I was helped by someone right not someone helped me right, oh ya ya uh, actually I can't remember I I mean does my mum count, in this situation


I mean, I see my mum helps me a lot with a lot of things when it comes to my education and stuff like, emailing to the school and like with my exams and because of COVID situation I think, a lot of students tend to like feel very unmotivated in this pandemic


so I can't really remember a moment but I can say that my mum is the one that helped me a lot, with my education and probably my work and my other personal problems that I have with which I'm really blessed to have her through even to through this day because not many mums tend to like


understand like their child, cause I can see according to my friends their relationship their parents are not really that close so they tend not they tend to keep everything to themself so I'm glad that I actually have someone which is like my mum, to be there with me till this day so ya


okay question thirteen what was the happiest moment in your life


ah I mean ya


I mean, you have it in your belly for nine months but you have your child forever you know, ya so is just is part of life lah, but I mean having I think having having


having a child is probably like the best thing that anyone could ever have, yeah K


oh my god this one I don't really think I have actually I I don't it's probably not a joke, but is like, it's something funny, which I don't really know how to say, because at first


it's not it's probably like a story to me lah it's probably not a joke is basically how me and this girl who who's now my friend for like five years already about six seven years we actually hated each other in secondary school, and we actually were competing in the game and like really really like each other at that point and then because I think at one point I help her when she fell


and then I took her to like uh, what's it called like the nursing room where like they can put bandage and you and all the stuff, and then because of that that's how we keep we became friends, but I remember that we clearly didn't like each other I don't really think it's a joke lah but it was quite funny because I mean who knows you know people that you hate actually were care kind of tend to be like your best friend


unexpected situation, ya I think that's about it


can't stop is it


for now I don't have any insurance ah <P2>alan</P2> because err but my brother have ah what what I know that he buy the, hospitalisation insurance from Prudential


and err and recently he got he got problems with his internal issues ah so he was hospitalised and did the surgery all that, but but luckily we encourage him to buy these insurance ya if not he have to pay like bombs ah ya


and then go plan for your for your childrens okay okay, (mmhmm) for one period of time correct


so how much you pay how much you pay monthly for for for each


that's good that's good


but you know that what if your age is getting older the insurance thing is getting higher you have to pay more, ya so so I really really regret that I didn't, buy any insurance when's when I was younger lah cause I think my my parents don't believe in this kind of paying insurance for things but now then I then I realise that oh I I should buy the the insurance things ah


but I think is is too late for me to buy now lah, now I think eh because my my my brother even when when he joined when he was forty nine right he has to pay like almost three hundred per month only just


for the hospitalisation insurance and this IP rider things ya and now if, ya I think I think if if now if I buy right I think is, going to cost almost the same ah three hundred three hundred dollars that kind ya that's the problem lah because now I'm I'm just a freelance doing freelance job right ya


ah ya ya correct ya correct, correct


this life


, okay


may be [loh] correct correct , but my my my recent friend told me like say bro now now COVID right so our our income is a bit down, so he he he give me tips like uh if you get sickness or you feel like you have a major sickness right don't don't go to hospital first


buy insurance first then then go to hospital it ya if not if if you go to hospital first then you get to know you you have a major illness right then you cannot buy insurance already


ya they won't cover you sia so so this is a good tip for us also lah actually, so you if you got don't buy now but if you got money then why not you can buy now lah, but for for me I won't buy it now cause of my financial thing so if I was is is another thing of touch wood lah if if I got sick major sickness or what I go to buy the insurance first ah then I go to hospital


correct the MediShield thing right, yup yup correct correct


can cover right


oh that's that's too little ya ya


ya ya


sure sia it it is a bit tight for me ah ya ya correct


but, correct correct correct ya for for the car insurance ya I know that you have to pay lesser and lesser lah every every payment correct


correct


correct it's not cheap ya ya (uh huh)


correct oh correct correct , what's the minimum minimum payment like like what you know lah is every month we have to pay


insurance is it Insurance companies okay


oh they have their own package ah correct correct okay around


ya ya got the agent ever knock knock to my door lah then when when they see I'm a uh the house the agent oh said ah it's okay it's okay then I close the door already ya I don't I don't really bother to ya ya maybe not for now


and I'm eh ya lah, ya lah I should I think ah, ya [loh]


cause now now I'm thinking I should also take up a critical care policy for the twenty six major illness you know seems seem seems important lah at our age, ya ya correct correct correct


ya I'm going to I'm going to check it out ah sooner when I when I get out soon because now ya, hear them out first lah ya,


the best thing if the government can support us doing this right right right right if we if we we we we tell the government okay we we need insurance for this reason can you back us back us up ah like fifty percent or something right ya


(mmhmm)


that one is the critical thing ah oh okay, oh, that's MediShield ah oh oh oh that's not that's not enough for us ya,


correct oh correct oh


but unlike like unlike for my wife right she she can't buy any insurance because they have exclusion for her cause she she has some issues with her hormone so they excluded cancer for their quotes to her ah


uh uh uh, no no no ya, ya that that's different know the that's why that's why the tip that I gave you just now right if


if you got sense of major illness don't go to hospital first buy insurance first then go to hospital, ya that's that's good idea ya


ya ya this is not cheating ya, correct correct correct, specialists so called uh ya


ya you have to ya ya ya you approach the agent already is different ah but and and for I and my brother on the other hand eh my my brother that time is a good example lah he bought


cause my wife nag him ah ask him to buy ask him to buy who who knew uh uh few months later he needed surgery and it cost quite a lot ya thanks goodness he his his IP and uh rider covered it ah


then his his medicine like like like every few months he have to take they all cover you just show show the the insurance the receipt everything right then they will they will cover back oh


full cover full cover ya, oh is it is a is a new law is it


must co payment for oh is it okay,


(mmhmm) (mmhmm), okay err right, oh lucky my brother is very lucky [loh] he bought before this law came into effect ya that's why his agent say that's why now his agent says now she she he shouldn't cancel this policy


part three negative experience (ppc)


I got hurt before lah I got see Facebook and everything ah, for me I don't have children but when I was young also I don't have this kind of experience by this kind of child abuse thing ah but I do think that this kind of thing shouldn't happen nah


but it's hard to say for is like a individual parenting right so we don't know how, is their their treatment if their children misbehave or anything


ah ya I like but, it's more about you lah you how you think because you got you got children


, the golf club ya


ya (ppc) correct


ya ya but but but to me if if, if that's the kind like beating you up or something is when when other see is like abuse but is maybe some of the parents think is


discipline but don't until extreme you locked them inside a cupboard or put them inside a fridge or this kind is to me is is abuse ah or you tied them on on on a tree, or something uh this kind to me is an abuse ya it depends


correct oh, ya that's sad ya ya


uh the this thing this thing is really really individual lah this one is ya it depend on who who and how they grow up ah is totally different ya eh bro,


sorry (uh huh) ya ya


(ppc)


correct oh is about ya this one is about you lah if you think that's the that's the point then you have to stick to your your thing ah ya


it that's not good ya ya,


!hey! bro you do do you know that I've this but is it's not the same ah is the experience of my brother then when when I receive, a call from him that he was caught by by doing this this doing this drug then


ya so that's a that's the saddest part lah when when when when someone that you love go go back uh go to prison so so so to me right


what's wrong with you what's what's what's the thing that make you relapse what's the thing until now I cannot uh I'm still angry very angry, I'm disappointed with him right you let us down and you you think more of your friends


like what good what things happen here is like you you you really disappointed your mom and everything right so is is the, it's very sad lah recently I I experience this this thing and I don't know how long he will be inside inside


prison and and the and the saddest part is my mum cannot get over it, you know like like ya, like everyday she will call me and cause my mum is super old already she she's like eighty plus so every day she will keep on calling me ask how is he I said oh I don't know he's his his inside so so is is is very sad and


when I look at mum like this then I feel like I should spend more times with her, cause err when I was young I very very seldom with with her uh so so now then


usually is like this when when we get older than our, sensitivity is very sensitive right uh uh when when we see this and you start, to uh want to cry that kind of feeling you know like uh we we should do this when we were young we should should should spend time spend time when we're young


so like what you say just now it's not too late for for anything so so so I'm trying to spend more times with her lah


we can get like we it's very hard because I sometime he hide things


ya so we we we won't know hundred percent but like ya it's very hard for us to get hundred percent that he's involved back lah


correct oh, so so you for for your experience like these these few months or years have have you ever experienced that you are really really angry at someone because of something


but thank but thank goodness you you you didn't, like end up your life that kind of buts you as you see some some of the the the kids now when they are stress a bit of stress they will commit suicide that kind of thing ya so ya so that's quite sad to me ah


so so at your age now right what what really really piss you off that really triggered oh cannot get at now lah ya


, really heartbreak really heartbreaking ah when when when we see a a parents ya ya first angry correct


ya ya correct, but cannot ah ya that's why, correct


yes correct correct


(ppc) part two positive experience


younger days or older days younger days ah , the most memorable one is when I have, to perform, err


err perform, ya in a gig err I because I'm a, I'm a performer right I'm a musician so so I've to perform like my audience is uh president, that time was president president tony ya president tony


time !wah! that was that was the until now I won't forget ah because is, you is a big deal for me to perform, and sing when when he was there ah he


ya and for you it is it how how about you


top student oh is it top three student oh okay


(uh huh)


assessment ya together ya okay


oh that's good [loh] ya [loh] Quesadilla eh


ya actually we don't need a lot of friends ah we need one that is good that can push you that's good enough uh, correct so the the the memorable for for for me performing also


same thinking of it when when PM lee also when he was the guest of honour for a dinner by attorney general chambers that time I got perform right I met both him and and missus lee and even sang a hokkien song with


with ya ya ya ya ya ya with one with one of their top lawyers ah then after that, after the event finish then I wait aside to take photo with him ah then is is not really easy for you to to take uh photo with him cause there's a lot of security then then have to wait then


then the best part when I managed to see him manage to meet him, then shake shake my hand then say eh your hokkien is not, bad damn Shiok ah I say ya your hokkien is not bad ya that that that was ya until now I cannot forget that that part lah you know


is very hard for us singaporean to go to international stage ah is very very hard but now I even try to upgrade myself by, writing songs in in chinese writing song in in malay english ya everything so I learn everyday I learned something new ah is is ya but mine mine is through music and I even


uh I even give motivation to young kids to write write more song and even I I was invited to teach err the inmates in, prison to ya ya ya ya ya ya to to express


to express themselves by writing and my job composing song correct and we have a a a bit of competition so so my job is to motivate them and tell them how


how for you to relate cause most of them they cannot relate their their feelings their their sorrows through through their words so why not you do music through it so so that that's the that's the beauty of it ah after the thing is done ya


quite ya ya quite hard quite hard


local artist ya, correct yes yes correct, it's possible correct


so so do you still remember your your your childhood food favorite or not when when when when you go, when you at school then when recess time then then then what what are you expecting to to buy and what do you like waiting for the bell to rings to buy food what's the first thing on your mind that you want to buy your favorite food what's that


!woo! uh uh uh uh, ya ya ya mine mine is #nasi lemak# with two with two fried chicken one dollar standard ya that one is standard like that that that's my favourite childhood food lah


ah ya ya ya ya ya ya #tikam tikam# uh uh ya


ya , play soccer ball ya [loh] ya [loh]


it's a good correct correct ya ya ya, ya [loh] ya [loh] correct then uh


, then then the the funny the funny story, err moment for, for recent when when when you when


some of my old friend call me by my my old nicknames uh then then then then when when we went out then my wife my wife was there then they call me by by my nicknames eh bobo right my nickname was bobo oh my god then then then when when


then my wife look at me [ho] your name bobo is is it ah, ya ya ya then the best part is, you go and tell your your children that this is uncle bobo oh my god that one, until now they remember ya they can remember even yesterday also uncle bobo can remember they can still remember that's so funny lah so funny ya


before I die what maybe


like what like like what just we discuss just now that is very hard for me to go international for my music career right so that's my dream I want to go for I want to go international for my music like uh songwriting


or singing or anything just just try to go international , but I did write a chinese song that I managed to sell to china ya ya china to to to one of the china china err artist he was the finalists of the china idol


so ya that was last year so that was part of my dream one done ya so so the next step is, I want try to go international lah that that's my that's my, goal before


I err uh [loh], before I die


because mine mat uh mine is more on writing melody ya ya so so it's a different I don't write chinese lah but I I write the melody for them ya ya the melody ya ya correct then then the lyrics is for the for the chinese part they will go in and and write the chinese ah ya


so what how about you how about you ya before you Mati before you die , (uh huh), (uh huh)


(uh huh) (uh huh) !wow!


when you was younger ah uh, ya


(uh huh) (uh huh)


(uh huh) , is it I thought because you don't need anything what, (uh huh) (uh huh) ya ya


but you uh but they save but they they save on transportation also mah correct or not


we are different ah correct correct correct


ah ya ya ya ya ya ya,


, can bring trolley ah can bring trolley trolley and then push there ya


correct, ya ya I think you better not lah ya I better you don't don't do anything that kind for now some more now now you have children ya


it's it's not you raise me up that kind of song right ya ya ya,


ya depend on the singer ya


correct


ya [loh] but but but for now I really really miss travelling ah ya cause now we cannot then I miss my ya our JB Sudah we can we like now we cannot go right ya


but but I think if if they can start for us to, go I think we not better go go now maybe another one year one year plus then we can start to go lah


ya I think everything is going to be all it's going to be fined soon ah hopefully ya


ya [loh]


no no ya for for now we cannot but we will maybe [lah] will be fine [lah]


part one finance, okay, so <P2>azmi</P2> have you err do you have any personal insurance or accident plan


buy the insurance is it, ah oh, ya I I I I I was the I think back in uh, five years ago or six years ago uh there was one agent insurance agents actually approach me so he kind of like uh want to sell me uh with a personal insurance accident plans or they call it riders ah


so I was quite uh skeptical about it uh because in the past before he came and approach me, uh I had another agent okay who wanted to sell me this uh insurance but I was thinking to myself I have never been hospitalised before in my life then I got I mean I'm I'm quite fit and uh I don't think that I really need it but this agent the the the later one


err kind of uh convinced me that uh that I have to take this insurance due to, err any unforeseen uh circumstances because he can he he use it, the quote as a talisman we just buy it uh uh as a talisman because you wouldn't know what would happen to you in future if you get accident or workplace injuries


I mean workplace injury they have uh uh wica to cover lah but I mean ya on the way to work is not covered okay seen uh you can get any injuries ah or accidents so I was thinking uh should I take that was uh five years ago


ah yes so then after that I were after consulting with my uh wife then I told her that K uh I think we should get the insurance for the whole family ah, ah so


uh myself my wife err my daughter and my son and on top of that also I was really convinced by the agent that I also, bought err this err, uh endowment uh plan K for the children uh yes for the children because for me I myself I don't think that I would err uh able to keep a side money in the bank and then I mean


for a long period of time K ya because this is a long term commitment so I thought about it and discuss with my wife so I said okay uh why not we take this endowment err plan we keep it for the children so after eighteen years or twenty years down the road


then this uh the children know can have, err some money for their education higher higher or tertiary education for them to use though there is, quite a sum number uh few hundred for for each each uh uh for each child


so ah so both total about maybe close to five hundred, ah for the endowment only not not including the uh rider plans not including the hospitalisation plans all, okay so then but for me the way I think it because err one thing probably in the near future I may out of job


okay so I can only afford to pay this endowment plan but, err probably the children can after the the the, plan mature then they can they can can uh have that money to


what to pursue the higher education, okay but the another thing uh the agent told me is that, err when let's say lah touch wood, let touch wood ah if I say that if anything happen to me and I pass away the endowment plan still go on without me uh my my next of kin uh having to pay for this endowment plan and then err it will still continue and by the time it reach the maturity it will released to my children


I think ya because nowadays you see even if you go doctor or you have any uh small injury ah will you go to doctor if you don't have insurance ah you have to pay lots of money you know bro, I think you should get one I I I suggest that you should get one brother


oh ya ya ya that one I agree yes yes I agree with you


but I, okay okay can can can sorry


but to think of it bro, err is never too late to to get an insurance lah serious because why as as we grow older I think the uh medical, cost will also increase err exponentially ya


and then err let's, say for example if we don't have chronic disease than uh quite still okay not bad but if we have chronic chronic disease right we need to you know go for let's say lah dialysis and all we have to go uh to meet specialist every month for therapists


so I think this all cost money and if you have to pay cash let's say in near future, and then when you are say that uh, freelance then got you you got no projects, then I mean, how to finance all this mah medical expenses but if let's say you have if let's say if you but if you have err what these uh insurance ah ya if you have insurance at least


you if you get the rider uh let's say lah copayment of ten percent, okay let's say the amount that you will have to spend for your your injuries or your, err chronic disease uh let's say about ten K lah, okay so what ten percent only you have to pay only like one thousand rather that you have to fork out ten thousand dollars


correct or not if you don't have insurance then you have to fork out ten ten thousand dollars you know


, oh yes yes yes that's true that's true


ya but I think for us singaporean we still have this uh government uh MediShield right, ya, MediShield as well is uh if you have err err if you are in a certain age then you get err ElderShield for elderly uh person


so I don't know but this one maybe can cover you the basic ah but if let's say, err, the thing is uh your cost medical cost is, extremely high but I don't think the MediShield or your MediSave will will will have enough ya covered enough for for yourself and then for the furthermore


only ah if you can use the uh MediSave right is only cover uh if I'm not wrong is up to four hundred dollars or what something like that ah, per day ah you see, but I don't know whether will be will be sufficient ah but anyway like like like the the agent


told me ah just take it as a talisman so that right now you will know that when you are when you are when you need it ya you have already, you have ya your you and your family covered but of course if you to think about it ah if let's say those who are making ah less income or probably like yourself freelancer I mean is is is is is quite a heavy


going for you know to pay monthly you know on top of the, premiums that which will be deducted from your MediSave yearly but you still have to contribute monthly err the premiums so ya if you are talking about maybe ten twenty dollars still maybe we can afford but if about


say a few hundred dollars per month ya then I think is quite ridiculous and you know if it's like if if the car, you buy insurance for the car right if you don't have any uh claim for that year they call it uh non claim discount right so the next year you pay you will get a discount correct so you pay lesser for that that that that that the what that that


the the next year's uh insurance but for medical there's no there's no discount even if you don't claim, , ya, ya, ya every year you will it will decrease lah I mean if you never claim your insurance premium will be will decrease so ya


why I I I I don't know why we can't err you know for the personal insurance or medical insurance, uh do the same way as what the car insurance uh doing but uh probably one of the things that they told us is that uh the medical expenses the for the medicine for the specialist has gone up


ya so ya not it's not cheap but to, think of it to make the world better right why must the specialists need so higher salary I don't know right because it will increase the premium also it will increase everybody's premium for buying these insurance and how often that you will claim from your insurance uh all these


this this this medical thing lah let's say if for uh accident, not everyday you will be you will get bad luck every day you get accident correct or not but if chronic disease probably maybe the hereditary, or maybe know sometimes you'll get uh diabetes kidney failure where over the time you you may get if your diet is not uh properly uh maintain lah well maintain


but, ya yet again I think if, if one can afford to buy an a personal insurance or medical insurance or hospitalisation insurance ah why not but the problem is now is if you need to pay a premium excess


premium amount about uh few hundred per month I think maybe, not everybody can have that luxury to to to purchase, even one policy not talking about one family one one policy also they won't be able to to purchase


that one depends on on on err ya insurance company different insurance company they provide different err benefits as well as uh they have their perks they have their own uh what uh


package ah they have their own package ya, but err I have nevers I I don't know whether have any err, insurance agent came to you maybe that you can uh do a DIY kind of thing like a suit that suit that your need uh suits your maybe your err expectation or maybe


your personal uh kind of like your health, maybe you you understand yourself better whether you got any sickness or what right so if you is there, (uh huh)


, why not why not why not let uh why, no hear hear hear him out lah what what he has to explain maybe probably he has a DIY kind of thing that maybe only what you need then probably they they they can quote you a a much, lesser uh lesser lah lesser price or what or something like that lesser cost so I


yes (mmhmm) ya ya ya, yes correct because we are past forty side then our immune system will be uh degrading quite very soon and and and I don't know whether any supplements will help


but ya (mmhmm), is good lah just if you happen to meet any agent ah just let let err, him explain to you ah ya hear hear hear him out and then probably you's probably if if the package is not attractive or its not not not say attractive is not what you need you may ask him for DIY kind of thing lah what what what to cover who to over which this which illness to cover


I mean and if the best thing, the best part , of course of course , ya


that's that's why the MediShield came in ah the but the MediShield is I don't know is is it seem insufficient ah because in order for you to qualify or to claim a certain amount for this MediShield right you must at least uh have, two or three uh things that you cannot do by yourself maybe like wash uh mean walking no feeding yourself


and then (ppc) now two or three ah if uh if not I'm I if I'm not wrong ah so if, yes if you have this thing then they will give you a monthly payout up to certain extent numbers of years then they will give you uh uh this payout but the


ya that is that's MediShield, MediShield ElderShield, ya so you know if you come to think of it if you really cannot move I mean you'll just receive that meagre sum of money then uh how how are you going to survive


I mean if nowadays you know one day you spend in the I mean for your food only ah it can be maybe fifteen the the less is uh fifteen dollars maybe, one breakfast one lunch one dinner about fifteen dollars, easily then you if you times thirty how much already


then if you times one year, oh


oh but that means uh no no no no other insurance can can can provide her for any protection or something like that !wah! that's bad man, but that is discrimination discrimination, ah


ya that's good ah I think, I mean you are not you are not uh how to say cheat them but you were just have circumventing the, the the the the the what the uh the the the law


because I I don't know because we if you never go to the doctor you won't know what what sickness you have what correct or not if uh unless you have visited the doctor, the doctor say okay you need a further uh what further testing or further ah further testing or further analysing, of your body then you will get to know suddenly a a a huge bomb just drop that oh you have this kind this kind of illness is because of or major sickness than if the worst thing if you don't have insurance then


what to do so like you say lah before you go for all these check up ah make sure right you got eh don't wait for the agent to to approach you you approach the agent first, ya you approach the agent first so ya you tell him eh you got any insurance


but you see if is a copayment right copayment or is a full uh cover, oh full cover but nowadays, I think since last year there's err I think the MOH already err say cannot full cover already must have a car copayment of ten percent


ah if I'm not wrong yes ah if uh must must must copayment I think five to ten ten percent, ah ah, because the because the reason now is because, if you have full full uh coverage right that means ah you can choose whichever top specialists or who I mean the most expensive uh specialist in the world or in in singapore to to


to hear you ah so because it's not at your expense ah is the insurance companies expense what because you you already paid them, whoever I want from these err panels right or or experts right I just choose ah, so the uh the insurance have to cover lah pay


, so hopefully lah


okay press red button


part three negative experience, K uh recently have you read or come across uh err anybody who are


uh deem as a child abuse, I mean I mean how do you feel about this kind of err things lah


K the reason why I ask you ah bro because like like like yourself lah sometimes I saw this at uh social media kind of story about err child abuse ah I can relate myself ah to that to that child you know because when I was err growing up when I was


very young I think in uh primary school ah, I I don't know to them probably they say that is a discipline, for me I think is an abuse because, err I mean my uncles my err


father would just you know uh whack me with a Rotan reward me with you know the rubber pipe the hose rubber pipe hose ah at times ah sometime with the you know the, golf golf uh bat you know golf stick


!wah! the golf club ya the golf club, so I don't know so for me, where is the line drawn between disciplining your child as well as err or, between the disciplining and abusing your child where is the line draw


okay like like like, like myself lah I say okay I got real good beating especially when after come back you know from school you probably late you know we youngsters, youngsters or maybe we as a child we we like to play then when we came back late from from uh school then we got the beating or scolding depending worse still if you know we complain to them that we we fell or what ah got bruises ah !wah! they will add some more


they will add the beating some more they not they not you know, they're not they're not like how to say err, care for us or some say like oh like now, we see we're when when me as a parents when I see my child fall or my my my my my son or my daughter fell right then I will I will go to them I will you know err make sure that there's no bruise on if if there's a bruise whether they need a medical treatment or not


but from our parents time so you fall down we will add you the the the your your to your, bruises so but, thinking that how they discipline us, then and now right is totally very very different


it's now ah


on a tree ya ya precisely I mean that's the thing because is it I don't know because is it now parents okay like young parents like for ourselves like from myself and then err, we are exposed to how the westerns educate discipline their children ya through reasoning ya through reasoning through you know those like psychologist uh err recommendation that


we should not you know punish or err use corporal punishment to our children because it would impair their, you know their their brain from expanding or to think, or to dare to do something I mean ah uh I mean their own initiative


because the moment when you try to stop them when you try to you know to shout at them and you know cane them their mind will sink in and they they are they are afraid to you know to to explore further so that's where any creativity or maybe progress the brain development ah will be hindered


so now I mean uh why I ask you because recently I saw you know, parents, not only beat uh pour hot water, put inside a cage I mean this is really disturbing uh


thing to me err seriously ah because ya even I mean even for yourself if you don't have any, children also you can relate on this, this child well uh this child is defenseless okay very young he cannot you know uh speak up for himself he cannot defense for himself because his very small and young and timid K while their parents are are you know are supposed to be the protector of this child


provide guidance now this this this their very own his very own uh parents right err what err inflict hurts, to hurt to to to to this this this err, child so I mean the moment


I read the the the article ah I fell like !wow! how come, there are still parents like this exist in this world I thought this kind of parents exist only during our time our, parents are or our parent's parents time only because they have really


uh strong like you know corporal punishment to make sure that you feel the pain and make sure that you don't do it again to educate or to discipline you kay, ya


ya probably I mean you see err psychologists also has uh said that, if you are, experiencing this uh child abuse in the past you are more likely to be abusive in future


you get what I mean or not but I but that's why I always tell myself no, my past will never made me what I am today and my pass will never make me what I'm going to do with my children okay probably I will just you know what scold them like uh reprimand them but not up to the extent like you know but


what having a cane just to you know to scare them no, I will talk to them, I mean boys will be boys girls will always be girl children will always be children what we need we cannot we can control them up to the certain extent but what we can control hundred percent is ourselves our feelings our anger


uh I believe in that ah we can we can you know can can, err, uh control our anger better lah


you know what sometimes ah even in in my sleeps ah, I don't know in in my sleep ah, suddenly I felt that my old uh this uh childhood memories ah, can just came back into play you know like a deja vu you know just came came back to play that you know I get kick I got beaten by my uncles I got beaten by my father sometime is just like that you know then I woke up ah in a cold sweat (ppc) then I was thinking uh then I woke up


ya every time I look at my children I always tell I promise that I will not never do this thing the same the same to you all again so I don't know but, ya I, that's why now I am angry everyone every time when when when


I see the on the street like you know the parents ah like beat their children like like nothing ya err you know on the street in the eyes of people I mean you just ah because the children don't err the children don't want to listen to to you then you go and smack them right in the public I mean I feel very very


ya I I have like uh like want to go to the parents ah and tell them off and say ah !hey! look, you cannot beat your children but I don't want to be blame that eh this is my children, my my own business ah you are you are not you're not suppose I I'm afraid that you know that things bad will be happening lah to me because


I feel the anger you know because I cannot see when the children being beaten then if I'm angry, then if the the the parents responded me in a negative manner I probably will will end up in fighting so I I don't want to I don't want to


how to say uh interfere their disciplining or their their their, the way they they they teach their their children, but you know it's like a sore eyes lah whenever I now whenever I see this kind of, uh issue or or or abuse right for me is an abuse for me it's abuse for you is a discipline then it's up to you but I cannot see I will turn away my eyes and will just walk away


oh ya of course lah


ya ya


that's good lah that's good lah because I think your mum know besides your brother right I think he have he she has you to console I mean I , I don't know you have you I mean you didn't you check with your brother whether you know whether his okay or not before taking all this stuff again or what something like maybe I don't know I mean


telltale sign is there any telltale sign that he is back in err to his old ways


so I think now you should focus on your mum ah then, probably if let's say there's anything that, you you want her to know, K what will you do for her, that you you will not


be able to I mean or you, you did not, well in the past that you you have neglected or you have you know like, eh I have not done enough for her in this certain areas that you know probably that, now is the time I want to you know show or


I'll give my my my mum the best whatever things that I can before you know anything happens ah


angry okay of course like I mentioned that I grew up in the uh abusive environment where you know, err, my uncles my father, used to beat me up even for the smallest thing my grandfather okay who use actually uh to beat me up even uh for some


petty err, petty actions or what lah something like that I do is very petty ah uh I will get whacked so, if you ask me, of course every time the same person when I when I dream right the same person will come into my my's my dream the same person but in reality now K some has uh


passed away already, but some still you know uh alive but already you know like very frail and that sometimes when I uh before the COVID right we had know like family gathering when I saw this this man my uncle right I have that kind of anger really anger like


you know now I'm strong like you know actually I can you know can, beat you up back, what you did what what what you you know have done that to me uh in the past but I away control my anger but I always know


like, I don't know I feel the anger is there lah but if want to put in physically I don't know I I don't think that I will be in that direction lah but I cannot I don't know but the the resentment or the anger the anger is still in


me because why you know because that time I was you know young I'm helpless and then, uh things doesn't go your way or your mood is not good and then you start to you know beat me as if that I'm a punching bag so the anger is still there's there


yes ya that is that's very sad ah, because uh I think this this child, I mean this this kids ah they their, someone don't or not someone close to to to him or, to them right have that very high expectation of him so and then at the same time this boy know his limits you know but or maybe he doesn't want to do this at all


you get ah correct or not maybe he has other interests, which like you know like us or maybe he has any uh other talents that which he can err show it to the parents or what ah but I mean being singaporeal singaporean parents right uh


we r result orientated, we want to know that okay you are doing best in schools you must you must get A you must all this I mean (ppc) that is typical lah typical singaporeans uh parents ah, so when err the children get lesser than what it they expected right ah so they're start to you know curse beat or maybe eh say discipline or what I don't know what


err, positive language err suit them which is actually the is the negative, you get what I mean they said that is the disciplining that is the teaching but at the same time, where the action goes right is not actually teaching is abusing or or maybe is a


err insulting words to the children so their mine is really like a like like I mentioned earlier, their their development ah worrying so ah they they they are so stressed out then then, they don't want to uh talk to their peers because why if they talk to their their their their boys or their their their friends some may get it but some will make fun of it


okay ya you are such a lousy you are such you know low kind of things so that will add what already you know been stressed out been pent up pent pent up the the feeling right so one time is burst then that's the shortest way


ya for me that like for me I like I mentioned earlier lah I cannot see err children being uh, discipline ah as they call it ah as uh discipline uh in public where I think


you beat or you, you know the the child until this child uh cry loudly you know, uh so ah ya I cannot see this I cannot what stand as the my side I mean cannot stand stand stand looking at it


uh a second longer, heartbreaking plus angry ah, for me it's uh heartbreaking plus angry ah I wish to hug the the the the child you know I mean to console to console the child at the same time I feel like punching the the parents also


uh, ya lah I mean is is is is is if if I do that I may be in a wrong side of the law already so ya I think I must control my that's why I said every time when I uh I'm in this situation right when I see


parents disciplining their children in that kind of way ah I always


part two positive experience, eh bro what is your err memorable moments ah err during your younger days


anything lah as long as is a memorable lah


perform uh as in what perform is a in a gig or concert


or mister tony Tan okay


ya lah VVIP he he's the VVIP of course, but uh, for me I think the most fondest memories that I have is when I


err, it was in in I think it was in secondary school, that I have achieve, top for my err, school I mean for my class I achieved uh top uh top three


ah top ah top three student, err during my N level uh during my N level, uh result so it was kind of a surprise me because err actually I was, doing okay but the thing is


uh due to err like maybe, peer pressure because my, I'm lucky because my group of err friends uh like uh hardworking loves to study love to have a group revision and help out each other so I was lucky to be part of the team ah and then uh they mostly like uh encourage one another


and I, I felt blessed when when when you know one of them said ah eh <P2>roslan</P2> why not join us for you know group discussion and err you know we can do this uh you know the ten series ten year series uh assessment together


ah so ya lah I went through the motion but the most I mean, why actually part of why I went, to uh join that group is because, I have a crush with one of the girls there ah so I thought that oh this is my chance ah like you know to to participate


and then you know but I I I mean ya I didn't expect that err I my grade, it was uh I mean my grades would uh improve that that much ah until that I became a to three uh, in my my my class ah so


I think that is the uh that is the stepping stone for me to to realise that eh actually not bad that I can study actually ah that's why I actually because in the past I thought that maybe !aiya! study is like like like a waste of time kind of things ah


so but I've when you when I I mean when I see myself this uh achievement so I was thinking to myself eh actually not bad I can study and then uh that's where I push myself, to, uh take my O took take my A level and then as well


uh as well as my diploma ah my specialist diploma ah so why I mean certain people have kind of a, uh, drive or push need to be push sometime it to be driven right ah that is how I


felt myself that eh I must I cannot be like I don't know I don't have many friends but the friends that I have I'm appreciative because they are really uh uh motivating they are you know they are, ya correct


that's good enough for me for me


seriously ah ya, uh (uh huh)


ya lah lah because with VVIP ah, oh well


oh !wah! that is good man eh but bro, talking about this ah I mean you have, uh achieve, I mean a lot of things the way I see it ah because like for us


we we is your dream come true ah to perform probably in this kind of stage or maybe that you want to go further international stage or something like that


!wow! that's cool leh brother


!wow! real really


I think this that's that's creative and talented also you know because I mean like what you say lah if to go international market for singapore talents probably, quite hard ah very hard but err I think


we should we should try to promote I mean, err good music like now ah local artist now I think local artist is uh getting recognition uh, abroad also you know like jasmine Sokko something like so I think is is is not impossible is possible but uh ya it's possible


, oh I love it


#mee rebus# lor the canteen canteen Mee #mee rebus# there is only like maybe uh fifty cent or sixty cent during our time, ya, uh yes correct, yes K


ya, then after after the after the break right the most favourite one ah is the aunty shop buy what you know buy #tikam tikam# ten cent twenty cent #tikam tikam# like they sell probably got the sweet or maybe got the what the, toy ya stupid toy that we got to pay


whereas for the rest of the recess time and then last finale before going home is the soccer standard the soccer soccer ball the plastic soccer ball then after that uh each one will will what come out will fork out ten cent or twenty cent to buy the the the soccer ball the plastic soccer ball


then we'll try we play at football court I think, ya when we came back ah our parents ah !aiyo! say where did you go all this sweaty ah, all you know muds all kind of thing then you Kena got a good scolding from our parents ah


I think never doubt that's the best uh what moments lah for me ah during our school days time ah


ah ya ya ya ya ya ya ya


!hey! eh but I you know but I just told them once only you know but I told them once ah they can still remember until now ah they remember, , the then okay if let's say ah


if you you can you know what things that you want to do K or you wish to do lah die die ah you want to do before touch wood lah before you you die what are the things that ah you want to do


!wow! uh china, !wah!


eh but that is is uh how to sing how to say ah is like amazing you know, that you can as a malay you can sell you can you can, write song and then you can sell to china china some more you know and then is I think is is


oh oh the melody ya the rhythm


okay okay but, mine eh okay I think okay before before I die there's always uh one thing that I really really want to do but firstly I cannot do I cannot afford secondly I don't know because I have this insecure kind of uh feeling K


I would like to travel backpacking, I would like to backpack uh go traveling by backpacking K through asia then after that uh europe continent, so, uh but you see when that that that dream was err how to say ah


yes well I when when I was I mean when I was still single when I was still you know like uh uh after the army right so I was thinking like okay I want to go backpack so ah everyday I worried about the backpacking story uh they used to have, !wah! I forgot the the the book ah they have this uh backpacking journal


okay last time they have backpacking journal if I go go to uh those err stationary shop or maybe bookshop and then you can see you can find you know those backpackers ah they tell their stories how uh they survive in this backpacking uh trips uh actually


uh it cost a quite a lot you know to do to go backpacking, ah because even ah even though you you you saw them ah that ah, even you saw them ah like they stay at this hostel K three days four days this hostel but if you imagine how many cities or how many countries they have been staying or they will be going to stay so if let's say one night ah ten dollars twenty dollars


, it depends lah but like singapore properly they can #jalan jalan# or they can just walk from uh point A to point B maybe probably they what they are looking at like most mostly historic area historic uh parts of uh in singapore or probably entertainment


uh then maybe they want to catch on nightlife they they do just go there ah then maybe they they drag on nightlife so in singapore context probably they can do that because our city is not that big but if in malaysia they are like what five hundred kilometres so how they they go to they cannot walk uh they still have to take


transportation or properly they buy a bicycle they just know, I I knew, a few guys who actually cycle from here to cambodia, from singapore to cambodia uh by cycling you know and it's uh I mean is not impossible is possible but you need to have that amount of energy I mean than if uh motivation than on top of that you know my family is still young


so I do not want to go and carry all these these two childrens together with me or with my wife so I don't think that ah, ya trolley the cycle uh cycle trolley ah but I don't, know I feel insecure because why we don't know the the terrain there right like let's say for example know kidnapping uh uh burglary so I scared lah


ya but ah that's why I but I have always cherish ah what those people who actually give me uh motivation ah not to stop on your dream ah


then uh you know this george robin sang one song uh I think is more uh what is is is meaningful and is a beautifully, err, created ah I, the lyrics I think uh if you have dream go chase it something like that ah I think is uh is by uh josh groban


well I mean that kind of song, ya uh raise it mat raise me up is I think is earlier part uh than this, nah so I think somehow rather with like like yourself ah, probably you you compose a song which is


very melody I mean melodious and then uh when the singer sings with the, err, how to say motivational kind of err spirits inside the lyrics right when we as a listener we when we hear ya


we get motivated and we know we we feel like eh !wow! this song ah really captivate my hearts you know really like you know can can can touch me can touch right right inside my heart that the the singer is sincere in you know rendering this song, then the ya the melody is very catchy so I


think uh, nowadays you know youngsters or even us we get, uh sometimes we get this uh how to say uh we look high on this kind of people like those singers actors, and then whatever they say properly can mean a lot of things ah to us like as a viewers or as a as their fans right sometimes ah their uh kind of uh act of uh kindness is just by saying some good things about some people who are now having the most unlucky day unluckiest day


right so though some a few words only, once they say like that ah !wah! a lot of people ah get touched by by their their their their words know especially during this COVID nineteen uh pandemic period, they say all the the stars ah they cannot perform in the concert right so they do a hit they did what they did is they use uh through uh media social and you see a lot of fans ah even you know they stay at home but it still they get entertained by their favourite artist I mean this is how


when creative err those, uh musicians uh sending or giving message or you know reach to uh their fans in in in this kind of uh methods ah


ya of course our JB , , ya I don't know when when we think will will will what you know will be,


ya, until the vaccine know in the market and like know they have proper I mean proven tested vaccine for COVID nineteen if in the market then I mean the the sickness or the pandemic is is


just as another flu only that's it the flu because they have vaccines because they have you know like uh uh antibiotics to to cure the, flu or flu something like that but COVID nineteen I don't think they they still have the cure yet uh but probably they are developing it but maybe


ten months twenty months, so once they have it, ya, they are they what they have to do is you know to really get, confirm that this thing will be uh


okay lah don't say the hundred percent is ninety nine point nine percent can cure COVID nineteen okay I think is is we are much on the safer side lah, anyway hopefully that uh the situation will get better and we can you know pursue our dream


it's like yourself probably now you you can't be performing gigs live, right


part one finance, okay so hi jasmine do you have a savings account


how how many savings account do you have, two saving accounts oh same I also have two are they in the same bank


err I have one in OCBC and one in DBS so I treat one as like sort of like my spending account and the other one I tried to like use it as like a more permanent saving account


kinda account kind of thing, ya so do you have a credit card or debit card


okay I don't have a credit card because still a student so like I don't have like I cannot credit salary in so like I don't think I can apply a credit card, so I only have one debit card but I think it's like it's, very uh useful cause I can buy things online right so like uh it's a lot better than a NETS card lah so I I'm very much prefer having a debit card and even if I can get a credit card I don't think I'll


like rush into it because like ya it's very hard to control right so ya I very much prefer having a debit card but there, are perks to having a credit card cause like you can do installment


err I think, like I think maybe permanent couples like married couples maybe yes I don't think like, couples that are just in a relationship should should rush into like combining their finances but marriage couple I think they have to lah cause there are a lot of things that you both have to pay like


like, it just makes more sense if marriage couples have a combined account


ya definitely I think like I think the the combined account is definitely like on top of your personal account I believe like both parties should have their own personal account that, it's for like their own personal use but the marriage account is more for things that


they have to have in like err as a couple like like you have to pay for your house or like you want to go for vacation trips or like you wanna pay for your kids like school fees and stuff like that so like you don't have to argue about who pay what cause you have a combined account


I think I think it's a great idea but ya I think you have to


uh I don't have because I'm a student so actually I don't have a lot of money to put into a fixed deposit for it to make sense because I think uh the interest rate for fixed deposits, are not very high I think it maybe it's about one or


like, I think it's one to three per cent or like I'm not sure and for high yield account I think you have to like credit salary into it for for like you to open one like multiplier account or something so like I don't have how about you


ya actually the first time I came into like the first time I knew about this like the existence of fixed deposit was when I was volunteering with a organisation and think they have like some money that they have to manage so they opened up a, fixed deposit and they were discussing like which uh company finance company offered better interest so uh that was the first time I I heard about it so I think ya I agree with you lah I think it's a place where you put in money


or when you have a lot of money to keep and uh it's just a better option to put in a fixed deposit than just letting it sit the bank cause I think fixed deposit offer a bit higher like interest and also uh if you don't have to use it lah like if there's no, like you don't have to make withdrawals then I think it makes sense to have fixed deposit


so err like, at what age do you think a child should be given a ATM to manage their own bank account


ya I agree I think uh definitely when they are thirteen but then like nowadays you have to do like, err paylah paynow you know like even at hawker centres sometimes so like in my school right we don't like, almost all the students use like paylah and paynow so I think bank accounts