buy US stocks, although I'm not sure I'm still not really sure how but yes I will buy US stocks


!wah!, okay go go go go


oh should I should I redo it then negative experience, okay


eh no swearing ah no swearing


so what that's the saddest thing that happen to you, oh okay okay understand, !wah!, my turn ah


I I the saddest thing that I've ever witnessed in my life right is actually was actually a TV scene but ya it made me damn sad, so uh it was when I was about twelve years old


then mediacorp was back then no ya I think ya anyway so channel eight was show was showing this show lah like short stories of life or something ah I can't remember the show name I don't remember at all but this particular short story okay


so it was about this #ah kong# staying with his grandson so the two of them like you know, uh depend on each other that kind ah, so the grandson graduated from uni everyone very proud blah blah blah then he managed to get his first job


okay so uh, the first day of his job, uh the grandpa told him told the grandson ah like okay I make your favourite uh braised fatty pork, after the uh after you end work come back then we can celebrate your first day and then we eat this together


then the grandson say grandpa you don't forget you cannot eat fatty pork you have some heart disease or what if you eat you will die, then the grandpa laugh it all say never mind uh at least you can eat I can celebrate with you good enough for me so okay so then the grandson uh went off to work lah


then on the way to work the grandson got knocked down by a car okay then they send the grandson to hospital lah then uh the grandpa didn't know back then no such thing as handphones and what whatsoever so so ya


the grandpa didn't know ah just continue on his cooking then uh time pass six PM the grandson not back seven PM grandson not back eight PM not back then the grandpa start to worry then about eight thirty nine nine PM like that right then the grandpa receive


a call it was from the hospital, saying that the grandson got knocked down by a car and died in hospital so like that already very sad already right but this channel eight show ah


I don't think so lah it's damn tragic you know so anyway, so, like this is very tragic already you know like your grandson the only one you depend on died then they had to put in a script where the grandpa go and eat the fatty pork that he was cooking for the grandson


and then the grandpa died of heart attack, you know how how tragic this was or not it was so traumatic you know I, couldn't sleep for like one to two months cause this scene kept replaying and replaying and replaying itself in my mind, and it was only a TV show ya that was the saddest thing I've ever witness even thinking of it now ah makes me feel (ugh)


I really don't know I really hope it isn't ah it's quite tragic ah, it's like you know, months I think


wait how old were you back then, it was like I think six years six years, twenty twenty thirteen twenty fourteen right, the malaysia airline right with the Bomoh come and swing the coconut here and there one


that's a very weird thing to be scared of, okay of all things to be scared of


I mean you weren't you are not sharing humour it's just funny


so ya, because it's quite stupid ah this one, I mean I mean I I will acknowledged that it affected you lah but you have to acknowledge that it's a stupid thing to be scared of lah


okay okay I need to be sad need to be sad okay


oh okay


okay okay that that, does sound very sad I, I I'm not going to make a joke lah, so, it is a sad thing you know


she doesn't live with anyone meh, oh


oh, ya ya ya ya ya ya


, ya that that, that does sound kind of bad but at least now can visit already lah so I hope you are you have been visiting her


, video call


okay ah ah, ya that's that's not bad ah, that's not too bad


(mmhmm) (mmhmm)


oh my okay, what a promise to make though, (mmhmm) (mmhmm)


!wow! I mean uh that's quite a lot of things, I I I I really don't have leh, I'm not not say happy ah but it's not exactly sad ah there's you know no traumatic experiences probably what the most traumatic experience I had was like


what six months unemployed back then when I first got out of uni, ya other than that, I mean that was that was sucky lah you know who who in the world comes out six months unemployed one, but ya turns out the job market wasn't that good back then so


ya but you see even I I mean that was a sad thing but, after that, nothing of that sort ever happen again ah so ya lor I mean, I'm trying to I I'm looking at all the questions trying to see what I can actually answer there's really nothing much eh


money lor, ya isn't it the money


no if you have money you can go anywhere, ya it's the same thing what so my goal is what my goal is to stop working then I need the money also what so that's the biggest thing holding me back ah


tomorrow is friday friday where got four D, do I have phobia when where where is it


oh oh okay !oops! phobias ah, eh I have a phobia of cockroaches, I do not overcome them, ya as much as I want to have some very inspirational answer of oh I conquered my fear of cockroaches and now I can catch them get rid of them with no issues not proud to admit lah I I I I just don't overcome them ah it it's a


it's a phobia for a reason ah so you know I'm fine spiders I'm fine with lizards all these but cockroach is just a cockroach , what's your most embarrassing moment


when you talk about poop for the past five minutes, most embarrassing moment ah


I I mean if we are on the topic of poop I poop in my pants when I was in kindergarten ah that one counted or not that that that's probably the most embarrassing moment lor and, kids ah really ah really very horrible ah they for the next one year ah they never stop reminding


me of that, so for the from like, I was four five you know, it's a very very uh normal thing to do so at that age


you know why it's called a shart when you think it's a fart but it's actually not


I, I think how I I think that's like probably ninety percent of all poop in the pants experience, a series of unfortunate events describe a time where everything that could possibly go wrong did go wrong !wah!


!wah!, that's a very difficult question eh, like maybe when you rush for time then every red light every traffic light is a red light


then ya and it always happens when you are in a rush for time you see like when on your first day at work you overslept, then , or the traffic lights are always red the MRT is always jammed


I mean, I'm just describing I never experienced before also it's a very this this a bit the unlikely to happen lah


, got got such a thing meh, okay okay interesting can't imagine there's such a such so it's it's a real situation ah


recall a situation where you were forced to change your plans against your will, very easy ah my A A level results lor, I thought I could get into some a course that I really really wanted to get in then my A level results came out and turns I couldn't do it anymore so ya


I wanted to get into chem engineering, ya but no more lah sad, cannot divulge personal details


it's not like you don't know anyway what the (ppl)


yup recording as well, alright, can you start first


the toilet doesn't flush, !huh!


that does not sound hygienic at all


ya, how how can be not stinky


uh I'll, I'll just like to point out right you spoke for about three minutes plus at least two minutes was about your poop


is it about poop no right, okay


okay cause of the horse or cause of the poop


oh okay okay I I see what you like, can


ah ya your poop will stink in singapore definitely, so so you done already, mine ah mine was about two years ago


when I went japan for the first time, it's very civilised place and since you are on the topic of toilet bowls right ya the japan toilet bowls, ya quite, quite awesome they they ya it's electronic toilet bowls that


you know can do whatever you want them to do for you ya, I I shall save I shall you know not go into details but ya that was memorable, then the, ya but it was my first time seeing them mah I mean


I don't see them much in singapore, fine whatever it is number one was that number two were the bullet trains they come on time eh can you imagine a place where trains come on time


it's unimaginable, imagine the like, the technology they have there ah incredible, ya and and what was the best thing there the best thing was going for the Wagyu buffet oh my god


that Wagyu buffet, ya, !wah! the the meat I I, I really can't compare with singapore ah the food, I really ya I really didn't want to


I can't because it's so expensive that's why I can't compare in singapore if I eaten in singapore before I could I would be able to compare to singapore, it was cheaper I think it was what eighty dollars for buffet for buffet eh A five Wagyu buffet eh


ya, oh my god


ya and then disneyland ah disneyland with my girlfriend was great, although she was like sick, the whole day but ya I could tell she, enjoyed herself also it was nice it was nice, if only she wasn't sick ah


ya, memorable for that also ah cause both of us was sick the whole whole trip, but still enjoyed ourselves so ya quite nice ah


like we survived the trip while being sick ah so you know it it is a positive experience ah definitely memorable, ya


I mean the Ramen is awesome lah you you know but you kind of expect it to be awesome anyway is but the Wagyu is like, okay fine I I expected a Wagyu to be awesome but I didn't expect it to be like so cheap you see


like I just told you it was eighty plus for buffet, okay, eh so your memorable only that one tasmania trip ah


ya, kind of sad ah now want to go JB also cannot go


I thought it's #tau sa piah#


fatty food


chips and ice cream okay uh, mine is always instant noodles, there's just something, so comforting about a, bowl of instant noodles you know like hot soupy


filling cheap, excuse me Ramen and instant noodle is very very different okay hey, you don't don't mix up the two [orh], it's a insult to Ramen


how do they even taste exactly the same


you you you realise that's the point right the point is the soup and the noodles the Liao is like you know side it's a side thing if you have don't have also okay it's the soup and the noodle that is the best


I go out eat with my girlfriend ah scared you meh


I see I see okay noted on this we will not go eat Ramen next time


about my comfort food no, positive experience, positive experience ah, when I got my job, after awhile, ya well paying


well paying relatively easy job to do, can't complain and current with the current situation I still have a job ya lor quite positive to have ah


you are still busy at work, so lucky ah you, I mean, the situation now like that how to be busy at work I I'm glad I still have a job so so you know


oh mine is cause as long as people cannot go out, and like approach ask for help, then there's less work for me to do ah


so so ya lor my, my my work really went down a bit lah because you know people cannot cannot come out of their houses mah, not slacking just you know taking a break from a more busy period before


no what's your point here , we have to keep the economy going you see so cannot cut the pay if you cut the pay the economy will collapse


(ugh) change topic lah what do you use to hate as a kid but now love as an adult, liver


ya I used to hate it hate to eat it as a kid then my mum will always ask me to eat it good for you eat it, then got, when I was a teenager around a teenager I started eating it and then now I, I always go for liver to eat then now my mum is like eh liver not good for you ah stop eating so much


then I'm like thanks thanks thanks mum, but you don't ya so that's not your topic what find your own find your own thing ah


okay, popcorn


I are you trying to say baby corn, small one very then the <mandarin>一粒一粒:yi li yi li</mandarin> very small


ya that's called a baby corn by the way, you can go to supermarket and see ah


that's okay that's amazing, I can't believe you had to lie about your favourite vegetables but okay interesting, of all things corn why never put like what


spinach or bitter gourd, you, you just copied someone's what so doesn't matter if you know or not, okay fine what a interesting vegetable


uh, what's the oddest or most unique compliment you've ever received, okay


okay, you sure you never received compliments before so sad ah, okay lah okay lah next time next time next time I'll give you a bit more compliments now and then ah don't don't don't don't feels don't be so you know sad


I teach you a tip ah just say thank you can already


okay fine that's such a weird thing though, you sure that's a asian thing or you thing


I've never seen anyone do that by the way, ya, they say oh thanks, ya cause I'll always, say things like oh your bag looks expensive


or your wallet looks nice, it's a compliment about their taste what, I mean I feel that way ah


oh ya true ah I really never compliment you much before but then you don't have a cool bag or cool wallet for me compliment in the first place, does your wallet even have a brand


but it doesn't have a brand right, okay lor next time you show me lah then I'll I'll I'll give you a compliment on their


then next time then next time when this, when this kind of question comes out you can say oh someone complimented me on my wallet before and it was very nice


you chose it I don't know just take the complain and say thanks don't question so much which is why no one gives you a compliment I think


then they know you don't care so they just don't give you at all lor, what is your biggest blessing in disguise is it having me as a friend


it's a question there's no harm in asking questions


ya I make fun of you I make fun of you all the time what but I'm actually a blessing in disguise lah


financial related topics


how do you invest your money ah dear


okay uh I think we need, I would want to have a portfolio of different financial products , uh to accumulate wealth and plan for my retirement I feel that the best investment in singapore is to own a HDB flat


because it increases uh its appreciation value increases uh due to the limited, land available in singapore and it can also uh bring in higher rental yield err, and also the uh HDB has this sell and B specs scheme uh towards err


our later part of the life we are no no longer working so that helps also to uh provide some income source uh however having said that the location in buying a HDB flat is key


the other financial products that will be I would need would be to stretch the CPF dollar, uh that we have , because we have a lot


uh I'm, I'm a very conservative uh uh, person when it comes to finances so I'm not so keen in stocks and shares trading however if the market is volatile like


like this current season I think it is a good, time to go in when the market crash and, to picked up uh uh, so that it will the prices will go up later on if you have the power to uh to read ya to stay in the long run


uh the other the other financial products I think is hot up no quite needed is insurance uh like endowment policies investment policies if you have extra money to to, to, to purchase and to save up more then uh savings account naturally everybody would need to have that


however there are some schemes in the market that encourage a uh an individual to deposit, a fixed amount every month that earn higher interest so such schemes with higher interest may can be considered uh although right now the saving scheme generally is low and I would not consider this so depending on the the market situation


uh ya a combination of this


uh I think when it comes to to especially starting a family uh no a house ya I mean as if it's a new couple I think it's good to always start simple with HDB flat uh


because as I mentioned earlier it has high appreciation value uh, and and, uh , I think ya so and also because HDB offers very low interest rate and you can take forever until your retirement


uh to pay back the the the loans , so that's uh, ya so take advantage of the HDB, uh uh, lucrative uh interest interest rates for car I guess we need to workout


, the monthly expenditure and savings, uh the family, a family has or an individual has and uh whether uh, you know the monthly whether it will bust, the the monthly budget that is set aside for expenditure and how much leeway do you have


and if you are able to cover that monthly without uh taxing into your uh tapping into your your savings then , uh ya, I think ya you can consider that I don't drive so it's not important to me what about you dear


okay oh I didn't look at you, I wasn't even looking at you


before marriage actually I don't really care uh I just, make sure that I don't don't spend , uh excessively I set aside a certain a certain percentage for savings uh and make sure that uh that is set aside


so but I I don't really, uh, go and monitor monthly , uh, how much savings I have I I I just know that, certain as long as I don't spend beyond my this budget that I've set aside it's fine so I don't keep track


, but after marriage uh thankfully uh, we are, financially independent so uh, didn't really also monitor, but uh, I'm thankful that you encouraged me to


monitor my monthly expenses every month which I don't use to do in the past


how how however actually I although we are financially independent ah I always feel that if we had we not been financially independent it will be good if we can set up a joint account where we use that to pay for all the monthly expenses and so on so as to be fair to both parties


but because we are independent so ya so it was never an, issue K


so in a post COVID world what changes , are you making in terms of your spending or savings habit


ya that's my greatest concern regarding the , higher travel expenditure so ya something that I miss and wish that I had taken advantage earlier to go to travel more


ya so , uh but in terms of spending uh ya like you say definitely savings have increased however I realised that I'm also pampering myself more to make up for that


for that loss of travel , with occasional with occasional good treats splurge on facial product and this and that lah better quality food lah


well it was a dream , uh it's something that I dream of to be able to retire early, and I never think that , it can become a reality then , but uh, thankfully with the help of my financial advisor


who will , who has advised me how to how to uh invest using my CPF and so on and , and start start saving young uh from the time I started working


and uh uh ya, being able to take advantage of, uh, uh CPF investment and so on as mentioned earlier having a variety of portfolio uh I am actually quite surprised that I am able to, achieve that so uh


so for any one I believe that this is this is something that that is achievable, uh with discipline and, with the right right advice and also provided we are earning reasonably well I can't imagine uh someone who is a blue collar being able to do that I think


I'm blessed that, uh you know I'm a white collar worker, and , and my income is of a certain standard to allow me to be able to, take advantage of all the different financial or to be able to purchase all the different financial products so as to allow me to achieve this uh this this dream ya


so but for the blue collar workers I think it will be difficult given their low income what do you think


ya I guess for him he is lucky in a sense that he comes to work in singapore and he goes back to a country where the exchange rate is is I uh I mean our dollar is much much bigger compared to their country and their country's cost of living is lower and he's able to


purchase a a property using his savings in singapore , but I can't imagine though a singaporean living in singapore who is a blue collar, to be able to, to do that at uh to retire early if they want to set up family with children I think it will be quite tough


in singapore generally given the high cost of the increasing cost of living, (hmm) that's a good idea !huh!


ya so maybe they should get another house in another country that is of lower dollar , exchange and and that that would help ah right (hmm) ya ya okay (hmm) (hmm)


first I will get him to uh to list down the items of what are his needs and wants, and, needs he must need but wants he must


try to avoid spending on all cut off if possible all that he wants and stop his bad spending habits , right then after that he need to be disciplined to uh set aside a fixed amount to repay the loan by installment monthly so as to eventually uh


uh get out of his debt, but recently I have a interesting case of a uh, a friend's husband who , uh interestingly was in debt and during this


bad crisis was able to , get out of his debt because he, he, happened to buy the right share so uh he, borrowed even to to buy the right share so I thought that is a, a a well


I mean usually whenever you're in debt you wouldn't want the person to borrow some more but , but his strategy is quite amazing I mean he happen to picked up the right shares and and as a result was able to get himself out of debt


ya he's just being lucky right so I mean as far as possible we should not encourage the person to spend more or take up even more loans what about you


okay so what do you think about credit cards do you think one should own a credit card


ya I I I tend to agree with you that it's a double-edged sword is good for those who can spend within their means to own and yet take advantage of all the promotions like you say deferred payment you know but it's not not good for those who can't control their spending but


I find it uh , it's a shame that the , poor ah because of their income, uh, they don't meet the income, uh, level to own a credit card sometimes I, find that like you say it would have helped them if they can defer their payment a month later


ah that would help them in their cash flow for the poorer people that is provided they don't overspend ah , hor so ya


it is a great scheme I mean we are all the benefiters of this this scheme uh uh I mean so, historically we see that uh it it is a great scheme , err because it force it is a form of forced savings and also the employer contributes to it for us too so uh so it is actually an excellent scheme to me lah


ya so ya and, and with this CPF as I mentioned earlier we are able to, , make the CPF money work harder for us ya and and help us to to become


financially independent earlier earn more interest I I'm thankful to the government for giving us such a attractive interest uh, for putting it with in a in CPF the only site the only setback is that you know for the poor I find that for the poor it's it's tough they cannot they cannot


, you know they are so short of money but they cannot tap, on this money which they can only use at the later , only when they reach a certain age so then in the meanwhile you know they they have to live


live in a very , ya poor state you know uh every time trying to make ends meet so so that's the other, other, disadvantage for the poor I mean for the rich who can afford it's good lah can you know you have enough to set aside and yet have enough uh to spend but for the poor I think it's it's tough they have to wait so long (hmm) what about you dear [ho] we are done oh


negative experience in your life


dear would you like to describe something you watch or read, that gave you goosebumps


okay for me for me it's more like , I'm afraid of watching eerie movie those with uh , a vampire or blood sucking corpse , going around chasing people sucking people killing people that really gives me goosebump


ya , are you able to describe a time when you feel that you have committed something gravely wrong , and there is no way you can get back up


I thought what you have shared is a good learning experience , for me it's more , uh when mom passed away , I think, I my religious, views and expectation clashes with my eldest brother


and I regretted for not being able to appreciate his uh struggle , and why he doesn't want to do certain things so uh in the end I think uh it lead to, to uh, I think our relationship was strained as a result of that episode


and I really regretted, doing what I did lah but, there's no turning back and, ya [loh] I till now I still feel bad about it


oh yes , ya when I was younger and, my, father lied to me I discovered that he lied to me first of all he asked me to go and withdraw money , from the bank for him and it's not a small sum uh four figure and he said that he would needed it to to buy something or I can't remember what was it then in the end I found out that he actually gambled and lost all of it


so I actually cried over it that time and when he found that I cried he was, uh, uh very uh uh I mean he never repeated what he did again but I was really angry until I cried [loh]


there an issue that you feel upset over because you feel the world needs to do more about it


similarly for me I I I share the same uh, feelings as you with regards to global warming and, how ya especially in in in some countries, especially undeveloped countries the people don't care they just throw rubbish anywhere so it's very


sad , so in a post COVID world are there , uh are you worried or anxious about anything


I think we're we're very blessed both of us and that we don't have to worry about , the you know the job situation because, we we, I mean for me I'm semi-retired already so that is not really a worry or concern for me uh but because of our age


you know we are more vulnerable so ya and also , ya I mean as we move around sometimes ya it does worry me that you know we might, catch it from someone who has it , but thank god there's still masks so


the likelihood is less so not, not very worried but , just a little worried I think what I'm more worried about is , how long this going to last and , will I be trapped in singapore for a long while more, you know I miss


those times where we get to travel and not just be, within singapore ya I mean, the places in singapore is limited also, ya ya , are you able to describe a time when you hurt someone's feelings


uh for me I get I can recall a time when I was still young during my teenage years, you know uh tend to be more, wild so I was uh out, you know out partying


until very late like two three AM and when I reach home , my father will be waiting downstairs for me and yet I never say sorry , you know and and I repeat that a few more times I I think I


mean I didn't stop I didn't feel apologetic I, I I just ask him uh you shouldn't have waited for me but, I never say sorry so and I I repeated that a few times so I think that must have hurt him very much


no he just kept quiet that's the that's the best part about my father he never scold me he never , never uh you know tell me don't do it any more, he just kept very quiet and I think he's just glad that I'm home you know


ya but, I think deep down when he had to wait for me again I, I'm sure he he felt I think he's hurt ya, so what frustrates you most


that's good to know but sometimes it's also the tone , that makes one don't want to listen to you, okay , uh what frustrates me most is having to make calls to the bank just to speak to a


a, person over the line I mean a customer service person to address my issue and you have to go through , you know levels after level pressing this pressing that before you find and then have to wait very long before you get to speak to a customer service person that really frustrates me


ya, so are you able to, uh, uh describe a time where you are, unable to help someone in need


quite similar we were overseas, and uh I happened to wish a friend a, happy birthday on her birthday and she, she revealed that she just , had a miscarriage on her birthday and it's her first baby that she's trying to conceive so I really felt


so very sad for her and helpless because I cannot be , be by her side to comfort her or you know to do anything except to just send her


uh for me it's uh uh, our time overseas in a third world country and you know you see the way people litter, uh they just anyhow discard their their, waste everywhere


uh that, and yet there's nothing we can do about it because that is their lifestyle their culture and they their habit and the government also doesn't care ah that's uh that's how I felt , that you know I cannot do anything about it ya what about you


so what is your greatest fear


!huh! my greatest fear is being, ya , for you it's judgment day for me it's I'm , afraid that one day I'll become immobile and have to depend on others for my daily living so my fear of


ya [loh] as I age lah when, you reach a time where you have to depend, on others , there's no more quality of life


positive experience in your life


okay uh I recalled when I first graduated uh I wanted to join MOE very much as a teacher because teaching has always been my childhood ambition , however I was rejected I tried again to get enter into P college I was rejected again so then uh


but looking back now I realise that uh subsequently as I gain more experience in the in the commercial world I was able to become a lecturer at NYP which, allows me to actually have higher income and better benefits compared to a teacher in MOE so looking


back that was uh something that turn out better than expected what about you dear


good so what's the nicest thing someone has ever told you ah dear, !wow! for me


I remembered my niece ever telling me that she told her friend that I am the angel of the family that really made me very happy, yes I'm the angel in the family


ya I think that, happiest one the happiest one uh apart from, getting married , the other happiest one is uh discovering that I can retire before my planned retirement age


so you have traveled to many places so will you be able to describe one of your most memorable travel experiences


uh for me for me it's actually the trip to pakistan for uh to track, track to K two with helen !oops! I'm not supposed to mention it uh, ya so this trip is very memorable to me because there are many first ah


first is that I get to track with another lady instead of a group of mixed people uh mixed mixed gender so there were only two of us and we were very brave don't know what courage I had then uh and then the the there was this yoyo truck right at the edge of the mountain


and as I was going through that yoyo ride I was wondering whether I'll, return alive then another, first is that I slept on the ice glacier without feeling cold a number of nights, uh and that was because of the amazing sleeping bag I had


that is minus forty degrees that kept me warm so it was quite an interesting experience the other one was , uh, my best the only tracking partner , fainted during the trip because it was just too exhaustive for her and I thought I'm going to lose my friend so another scary moment and then uh the most interesting was to climb up this three storey ice glacier and sliding down and having fun ah that was really quite an experience


and also another first is having to cook, cook, vegetable soup we're so sick of the same food every day , #paratha paratha paratha# that I, had to step in and decide to cook and it's my first time cooking a vegetable soup and it turned out well okay and then the other interesting thing was to sit on this basket to cross this !wow! raging river so a lot of exciting experiences I'm


glad that I came back alive , helen even kissed the floor when she reached , the end of our trip when she returned to a safe place , uh when we know it's the end of our track , ya ya


that was my most memorable


!wah! generally I'm always thankful that I'm a child of god , loved by heavenly father and being blessed by him in many ways knowing that he's in control he , my life is in his hand you know I just need to do my part and and ya and just to continue to lean on him count on him without having to


worry ya, uh not really don't worry but you know that ya there's always this big, big loving father who's watching over you all the time what about you dear


so is there anyone who ever gave you a odd or unique compliment about yourself, (hmm) K to me


the oddest ah to me the oddest is okay from young, my, most people say that I I or or rather everybody says that and I I uh resemble my daddy uh, so it's very weird in my older years when someone said I looked like my mum so that was an odd compliment to


me okay , so what did you used to hate yes, ya you you say, okay alright so what do you used to hate as a kid but now love as


ah that's cute, ya


yes I know that


you're Hainanese you should love food and cook good food


as as as for me what I hate most as a kid is vegetables ah, so but my sister I always see her !wah! every every time go for breakfast only it's noodles with lots of vegetables so I always wonder how could she like vegetable so much but now that I'm adult I


vegetable is my most favourite, food, among all the different food , ya yes yes vegetables so what's your best


birthday present and why


is that from your uncle, the the magician uncle, that's expensive present ah for that was for those days


well for me err my best, birthday present now that mom is no longer here with I mean she has passed on uh I will always miss her


the home cook noodle for birthday that she will always cook for me on my birthday


blessing in disguise okay , I think when I'm young uh I have a huge age gap from my siblings ah, so many a times I'm always alone studying alone playing alone , and I didn't really like it then because it's very lonely ah


uh I can only play alone and all my big brothers ah they're all busy working out not in the not at home , but then it taught me to be independent and not to be be afraid of being alone so so you know for me it's perfectly fine for me to just


go out and eat alone some friends they cannot they must find a, partner a friend to go with them to to eat in a restaurant or wherever so I'm, I find that that is a blessing in disguise because I I am independent it taught me to be independent and not to be afraid of being alone what about you


so what is a comfort food that you will always go to to cheer yourself up


me ice-cream ice-cream, and it's easy to get your Otah you still have to steam you know, got to source for it ya you have to buy ice-cream easily can get it


, so what do you love most about yourself


ya that, that comes naturally that I, uh ya which I appreciate about you you know about when you meet with people


so ya agree with you , so as I, uh for me I think I I what do I love most about myself ah I think it's the good genes that I inherited from my parents eh


ah the good genes ah ah like !wah! nice complexion thick hair ya so , which every time I go for a hair cut my hairdresser will say


I really uh admire your hair I wish I can have your hair many people see me I wish I can have your hair so, ya, so I thank god for the good genes I have two K


actually ah ya most of the time I'm appreciated but there is one time that is quite interesting , it was a difficult year for me because mom was not well , and and I didn't really do much


at work and yet I don't know how come I got promoted and got a good bonus eh more bonus than the years where I I worked so hard, so it was quite amazing I don't know why what about you


very good boss you have ah, usually such bosses are more compassionate versus local bosses we have right usually foreign bosses ya foreign people ya


(hmm), so uh


debate topics


okay that uh, ya I think uh usually I'll put it uh like maybe uh some saving uh but uh most of the time ah I will actually buy shares and also maybe get a second property to earn a rental income


and I think uh, yeah CPF saving earns good in interest at this time so and we also have the CPF life payout when we reach sixty five so uh ya that would make my income source


and and what do you think of uh big ticket expenditures uh like you know buying a, car a house uh what what what are some of your strategy or thoughts you know with regards to this


ya I I think for me we have to be realistic uh about the big items because you you don't want to get a loan and you can't service the loan in the mid to long-term


can you're uh digging your actually your own grave ya then uh my advice would be actually it if you can delay uh buying big items uh uh high expenditure items ya you you you can actually delay for a few years that will actually help you to lower down


your uh the loan you take up and also paying the loan interest over time so I I would think that uh having a dual income would actually helps uh in actually uh buying big, investment items like a car or house ya ya these are some of my thoughts now


K diana uh maybe I I can check with you uh uh ya what what is it like you know in terms of your financial commitment before and after marriage


ya uh I think it's to a certain extent although it's easier to manage uh with one person because uh when there's two or more in a after marriage ya I've been there're there's a lot of costs involved, so but then uh on the uh positive side uh having two people to contribute uh to the finance actually makes things also a bit easier


so I think a lot of uh family sometimes have the wife I mean the husband to pay for the daily expenses and for the wife to actually look after the saving and for even the big item expenditure, so but overall I think the husband should still pay more ya so these are some of the things that comes


ya that's right I agree that ya can hear


I think now with the restriction in travel definitely there's less spending on your travelling , ya so uh this becomes a saving but then we also do not know whether uh travelling expenses will go up, uh ya because I think the airlines still need to survive ya so the charges will be higher because I think there will be less passengers so uh per flight per plane I think they have to recover the


cost so maybe ya there will be higher cost and also inflation overtime


ya you are not the only one uh


then uh what what what what do you think of uh this FIRE the financially independence and uh retiring early ya work work at do you think of that when you were young


ya actually it ya I think it all depends ya I I'm just putting myself let's say I'm a uh maybe a foreigner uh maybe just for example maybe I just uh comes from a neighbouring country let's say like uh and and and I come to singapore to work


and maybe after many years maybe the currency exchange uh singapore dollar is strong maybe to the uh uh local currency where I come from uh it it it's maybe two to three times more, then uh it it just shows that you know uh ya I I can just within twenty years I will maybe uh earn forty years of income if I'm back to my home country implicit multiplied by two times because of the exchange rates


so sometimes it it it just take uh someone even you are blue collar worker to do some financial, planning to be able to be ya uh to make use of opportunity to be when you're financially independent so I know uh like


one malaysian who came to singapore to work for many years then after that go back and retire so you you rethink back the the exchange rate is now three times when exclude uh compared to maybe more than thirty years ago so that that that is something ya sometimes we really need to look


uh at the uh from a bigger perspective the opportunities are there ya


ya or maybe they can actually retire oversea ya and rent out their their house ya as a passive income


ya it it just crossed my mind you know except that I mean we can see a lot of people are really uh have debts you know and and what what would you advice someone to actually get out of this debt


I mean ya but but then there's always that risk what happen if the shares that he buy actually drops then he will be in greater debt than before, also ya ya


I think any investment should be actually not out of borrowed money but your excess ya so actually just you know for someone to get out of debt I think it's basically the first step is always changing the spending habits like what you say


ya uh I think credit card is like really a double-edged sword ya it to to me it can really help you to


uh better manage your cash flow because you make your payment one month after so so you you have more uh spending power in towards the next then you can manage it better ya but then uh I hear a lot of people actually


uh using credit card to actually spend but yet pay the interest, so then they get into greater debt than before so ya so if you use it wisely it is your friend but if you don't use it well it is your worst enemy so one opposite the other


ya then what are your thoughts on CPF contribution


I take #tai bak# okay good (ppl)


negative experience in your life


ya uh I remember in new zealand when I was uh watching people doing bungee, jumping ya I think I I I can feel my ya goose nipple come uh goosebump coming up, and uh I think


to me I'm always afraid of height ya I remember when uh I enter national service we got to do a ya a, a jetty jump ya although the height is not very uh high but yet uh I I I I was struggling to really jump down


so uh but eventually I did but it's still quite an experience for me so this would cost me to have goosebump ya every time when I need to jump, how about yourself uh ya that's right


ya I think when when I was young uh ya I've experience where


I I I lie uh to my parents ya and after that you know although they didn't find out uh I was feeling very guilty


ya so I really regretted telling that lie and because of that I think I, start to you know just try to do something good you know just to


ya payback the thing that I've done you know uh by lying to my parents, so ya so this is, something that I regretted that have changed me so nowadays I think , uh ya I would definitely not want to lie as a ya because I always tell people if you lie then you have to remember all your lies if you lie a hundred times then uh ya it just take one in which you can't remember and after that when people find out then you lose your


integrity so it's not worth it ya so it's better to be honest upfront even though you you do something wrong uh ya it's better to ya be honest about it rather than to lie because once people don't trust you no matter what you say even the truth


heard people who have not believe anymore ya how about yourself


then why was there an event that make you very angry


uh ya for me uh we are when people are dishonest that will make me feel very angry I think it's partly to I mean linked to uh what I did initially so ya I think, when I like like you know uh I think I was very angry with myself so now I think it's basically ya the same


reaction when people lie ya I'll be actually very angry with them that does not mean I I I I won't forgive them but the anger would be the always the first reaction ya


uh ya when when when I uh see plastic ya uh trash ya has been that's being dumped on the seaside and you know on the road ya I always feel , ya we are just contaminating uh the earth ya and what uh sent home the message was you know


how contamination can actually affect us at the end you know although we don't think that far ahead so uh I I was in a field you know and and there was this cow you know that was eating the grass and there was some plastic waste and the cow actually ate that as well


so you can see you know at the end if they going to to eat more and more plastic than the milk that we consume, will actually ya be contaminated ya with this plastic residue so a and in the end we we are just uh you know we we don't play our part and in the end it it just goes back to us again finally


uh actually for me I I think it all depends actually uh on your age group ya I think for me I'm actually basically a a retired or near retirement so in terms of worry for money


you know uh an income or being anxious whether when will my next meal be because I have no money ya that that does not affect me as much uh uh you know ya ya because uh I think uh I have reached age where I can retire


so but it also helped me to see ya the uncertainty of this world ya so what what I can see is , ya as we get older ya uh ya we health issue will be uh something that will cause anxiety so uh ya so for me maybe it's a health aspect but you know but


uh right now okay I'm still healthy but uh it would be also, help me to think through ya I better start to practise uh good health on uh by eating the right food by doing exercises so that I know I I no need to worry you know when uh


when when uh when I don't feel good because I I've been doing actually the right thing although that does not mean ya I won't worry when when I feel pain but the the likelihood of not of being worried is less if you do what you can on your side ya how about yourself


ya I I I I I think you know my mother is quite old now


ya and in the early years you know I I I I used to actually give her money ya uh each month ya uh for her use, but because nowadays she's old uh ya she don't uh need to use any money because we will have to follow her uh ya and we will be the one who pay ya but


at the time where we she cannot be independent, ya I stopped giving her cash although I'll put into her bank account ya but my mother is so used to receiving money uh so when I explained to her why I'm not giving her


money you know physically but uh I did uh deposit in her bank in the bank , but yet I mean she's so used to that uh routine of receiving that she she had a struggle so that upset her very much you know so I can know that she's hurt but I think over time she start to see that why uh it's not necessary for me to give because


I I show her the deposit amount which has grown over the years so she's more assured so uh ya so she has come to accept it but uh the beginning was always some, being uh difficult ya and she was hurt but she has overcome that how about yourself


but he didn't say that he was hurt


I think when someone is not listening to me ya when I'm trying to explain certain viewpoints ya, so you you laugh and ya maybe you are one of the guilty one as well, uh but uh but yet but generally ya I because uh and I think another frustration would be when you say it and explain yourself and yet the person uh


uh I'm not sure whether the person don't understand or choose not to listen ya so that will always cause that frustration but I also must learn, to ya think that you know not everybody will be like me ya and sometimes the point I'm trying to put across may not be uh understood ya by the person so ya so I mellowed down uh in terms of my frustration


okay how about yourself what frustrates you


ya I think that time when I was uh oversea uh and I got to know a friend


ya and after that uh when I return back to singapore and one day I received a message, that he's in trouble you know ya and he's stuck ya so , ya I I I I felt uh ya uh quite helpless to help him because uh you know uh that means I have to flyover ya so I'm stuck in that dilemma ya where it was a good friend I wanted to help but yet uh there's nothing I can do


ya but I think uh if I've known some of his friend you know uh ya then I I I would have called them ya but uh I I but I have no, contacts of his friend so I felt helpless at that point of time ya how about yourself


and and what what what's the worst thing you have actually witness uh and yet you kept quiet about it ya this question does struck me suddenly


ya I think for me uh I can remember quite vividly that you know like uh during !wah! they uh meetings with the big boss ya uh my manager because I was a junior staff then ya say something which I know is not


true ya but uh but because I was a junior staff ya uh , I basically want I I I cannot really react ya but yet I, know it's not true ya so


this is where you know you are caught in that dilemma ya ya ya so this is something uh ya that that I felt you know given the choice again, I may okay uh I mean but you have to act wisely you know uh how bad is it you know ya so but


I may react differently if if if if I'm uh uh looking back here, !huh! how serious is that lie here


my greatest fear uh, maybe I think would be uh judgment day ya because ya I mean, uh as a believer we will say that we'll all appear before the judgment seat of


god ya and everyone will have to account for uh all that they have done and to think of that I I find that you know if you tell me your uh twenty years ago ya maybe that may be something that I I I will still have to think you know whether it's possible


but now you look at the internet age okay whatever we do on the internet is traceable okay the the uh the threat is there you know uh that you you have maybe uh gone into, this site we shouldn't be you shouldn't be watching you know ya all this are all


uh uh uh you know uh, evidence you know in time to come so you know and and I was talking to a cybersecurity expert, and he said that you know that somehow if you want to dig it out you can you know it's just a matter of time


so I think this is the the truth about I think judgment day in which god you know need not uh any technology is created by human but god is much greater so I can see ya that becoming true one day


how about you, uh I know uh about judgment day oh no sorry your greatest fear because for me it's judgment day sorry


(hmm) okay we're we're done


positive experience in your life okay okay dear uh can you describe a moment when things turn out better than expected


uh for me ya usually when when I uh started working uh ya uh uh uh uh I always find that you know uh I have to put up a very good resume uh you know you have to have good results you know uh in your studies but then as I work


uh you know in a uh over met uh uh, a few years then they start on start to done dawn on me that ya actually how how you do your job actually does help you in in your career progression


and and and uh after about ten years uh working in the food industry ya I I was surprised I was actually head-hunted for a job so that actually turn out better than I expected because it is is always going through the advertisement , you know that they're you uh start to you know hunt for a new job but then this time round when your head-hunted it's the other way round and uh that that really helps me


to see as sometimes how things can turn up the other way around a reverse ya so I was head-hunted twice which helps me in the career, yes very simple you are appreciated


(hmm) how about you, ya because you always help you know them guardian angel ya then


what was one of the happiest moment in your life


ya uh beside marrying you uh I think it uh you you know that I I I love nature whenever I'm I I I I'm near nature, it it just give me ya something uh deep inside ya uh a a a a a feeling of calm of peace uh ya basically the this awareness uh because we are so small and the heaven is so big so it it it just put a lot of thing in perspective


that ya there must be someone you know a god who actually created me and and that gave me a sense of , uh gratitude which is actually one of the uh provide us some happiness even as I think about it ya a sense of joy ya


yaI think the recent one in uh two zero one four I mean ya I mean uh six years back


I think before uh ya we we went oversea to work ya, it's actually ya driving in iceland I thought the iceland ya trip was really uh one one of the best uh experience we have


ya how about your view on this


okay let's ya, so uh despite having the most memorable what what are some of the things you are, thankful for you know uh like you know uh not losing your friend what what what other things beside that trip uh generally are you thankful for


ya definitely uh god comes in uh as my first person to thank then my parents and uh you and also I think, uh I'm most thankful for actually uh for good health uh this is something and also for the friends uh who supported me in my uh downtime ya so ya basically it's people and experience uh ya that that make it meaningful for me that I'm very thankful for


uh ya I think uh a few people, uh ya say that uh I'm always caring for the weak uh among the people I know so I'll always tend to put my focus it's like you know maybe in a group when I I see uh the weakest person ya I I I want to help the person ya people I know


that ya okay never mind you you you you you you you ask the question


think eating food food ya because you see when when I was, young my uh ya I I I don't really uh eat to live I mean I love to eat ya but I basically eat to live and also that ya


so so what what I felt was that because my parents was very strict that we don't waste our food and sometimes I don't really like the food but yet uh my parents will make sure I finish all my food so usually I take it more of a chore you know to finish the food


so I I I don't really enjoy food in that sense you know ya but yet at the end I I became a food technologist ya (ppc), so it it is a bit, strange ya so but but yet uh over the years I think I've come to appreciate food ya actually I even that time when I was young there's only one food


that I I really crave you know and that was Otah okay ya and and and and Otah with bread okay and and and when I actually taste that, !wow! it really helped me to appreciate uh ya what it means to have a taste buds that enjoy food


yeah and that was the only thing if someone will ask me what I enjoy about food I think Otah would come to mind because I learned that at the age you know when I was young but where most of the time I actually don't like food ya but Otah was the one that really


uh it changed me you know in terms of of my and it it bring me uh create that awareness of taste ya because it's something I feel more alive with after tasting it and it also helped me to crave more you know ya


uh ya I think I learned it from my father to cook good food ya although uh, uh I never enjoy it at a young age uh but I think over the years especially in the later years


uh ya I think with you and I going for to restaurant for dining ya we are appreciating ya the different range of food that we taste which help us ya to enjoy food


can always see that you will take double portion of what I eat !huh! for vegetable


ya uh when I was young maybe about six to seven years old uh I received a birthday gift a a table soccer set you know


and I played with it for at least ten years you know ya so I think the fact that I play it for ten years you know or more than ten years shows uh the value of that uh birthday present ya so I


uh ya it it it was one of my uncle here, that's right uh no uh another one ya my mother's side #ah gu# ya (hmm), ya ya I will say so ya


!wow! okay , then what what what is uh some of your biggest blessing in disguise you know uh it it as you look back you know


uh as I look back actually you know uh because uh in my church I teach in sunday school for over thirty years so although we don't have kids ya actually uh I actually have a lot of uh kids that I sew saw growing up


to be uh ya spiritual kid so that that that is actually a blessing because uh for us not having kids means that we can actually travel , ya and you know in in our last job uh you know where we actually work in a school so that also help us to have connection with more kids so in a way that is a blessing in disguise and we are still in contact with uh a lot of these kids ya


I think Otah would be one of them because I enjoy it and then when you enjoy it you don't tend to think of the situation anymore but maybe just to enjoy the food itself


ya how about you , ya that time that you have to buy


uh maybe I should ask you okay but for myself uh I think uh because I like to analyse and uh and also to discover new things out of the uh the data, from the analysis and also the I think the other aspect would be actually the I uh the


discern the discerning spirit uh that that somehow I feel like is part of me ya ya able to see things more than just the face value ya so this is something I felt I think maybe I got that also because my dad used to work in CID


the criminal investigation department so maybe that also ya it instill me this uh two characteristics


how about yourself


so so during your career you uh can you describe a time where you got appreciated for your hard work


uh ya it it it it's quite a paradox because uh uh, I actually was in the company where I really take up uh a lot of roles up to the extent that I think I have this burnout ya it's up to the I and I actually uh told my general manager uh I wanted to quit you know


uh and straight away he he he told me to take uh one week break you know, so that also uh shows that he actually appreciated the hard work that I've put you know so that when I told him I wanted to quit he said oh no no no you stay and you just take that one week break so that indirectly uh uh or rather directly actually shows that you know he appreciated the work that's why he's able to just give me


you know the the the one week, you know even with having without having to actually apply for leave so I thought that that that that was really uh a an appreciation ah for the work that I committed ya he was a french boss


ya definitely it's my dad ya so like what I say uh part of my uh character comes out from uh the way he have actually I've seen him uh behave and uh ya so he was an inspiration to me


financial-related topics


okay, so , so for myself I also have a personal insurance , but that insurance was actually bought since I was born by my parents uh by my father specifically it's by NTUC income


so it kind of, insure me for the whole life until I'm twenty one years old which is right now so probably in a few raw in a few more months they were kind of contact me to change over to something else so that particular one that particular insurance actually kind of


cover thirty major illnesses such as cancer as one of them


so so where is the endowment what's the endowment's provider from


okay so for myself I also had an endowment plan but my mom was the one who actually bought it like recently, uh perhaps like, over the last year, so that endowment plan it's from AIA it's called the smart flexi rewards endowment plan


so uh I I <B>, practically her helping me because I'm not


ya, uh and then uh it's for, my wedding or let's say for my housing in the future or for my children's education so I can save up at the same time so save money for future plan so it's


a good, kind of thing and it also has like a guaranteed and non-guaranteed benefits so more money I guess, ya my ya, so I also I think right endowment plan also have like a insurance kind of coverage


for mine I'm not sure about yours so mine also have like a insurance coverage kind of thing, for I think it's for medical


I'm not very sure about what is that but I don't I prefer to keep them separately because I'm not very sure about investment


so would you say that you are like more of a risk-taker in terms of something like that or you are more of like a low risk kind, of person, okay same here


so that means that answer like question seven that you won't try to do it yourself but instead you will try to find someone with more knowledge, is that right okay cool cool , no I'm just like kind of like pointing it out since you mentioned it


I would say I would approach someone with better knowledge and who can also better kind of


explain to me what are the, things that I really need and give advice so, that's why for now as well I'm also using an agent to try to you know help us with this part


would say term life insurance, term life insurance is like maybe five to ten years that kind of period right so, right now I'm a student so student myself I don't really have, income unless I do a part-time job


so that aside it's going to take insurance aside insurance is going to take a part of my pay if let's say that happens if I buy a term life insurance, but as compared, to term and whole life whole life is more expensive while term it's cheaper and more affordable let's say maybe thirty dollars a month


I still can afford it and it's still practically kind of, affordable and ya I still can insure me so I think, that would be something that I would go for as well so term life would be better for people around my age


so for me I, I also feel that CPF is just is not enough and we also need to have like extra private insurance to insure us, so I would say like probably Medisave is like the baseline kind of thing and it kind of help my family as well because there was once my sister was hospitalised and we did we were able to use the Medisave to pay off the


full sum of hospitalisation bill so that I would say it's a it's a pretty good thing but, considering singapore having a really exceptionally high medical fees right it's difficult for and it's difficult for people for some people to pay the hospitalisation bill and maybe some of us


uh in the future might need to go for a chemotherapy or stuff like that, I do think CPF, kind of one part of it does cover it, is that true it is right ya


ya so I think it's like Medishield life it can kind of cover long term dialysis for something like tha


you're at question eight right


think for me I think ten years and above, it's long <B>, ya, ya five years is still okay ya it's still short


how much do I need to pay the premiums monthly, that is important to me because as a student can I, afford it is like the main question is the main kind of thing I would ask myself, and I would, ya I would think more about that part and do I need the insurance


hi, oh no you can't hear me, uh so, I would say like because as a student affordability is one of the main key point for me


can you repeat I'm sorry


negative experiences


, there was this time when, back in poly, I was kind of, at one of my lowest period and I felt


trapped helpless and depressed you know in a bit, ya so that time I felt that no one was around me to help me and no one was able to understand what I was what I went through


because during that time , some some not-so-happy things happened, and I couldn't get myself out of that <B>, a much I would say uh


a negative experience like one of the worst ones, so from then on I was, I became someone who had like very anxious mind and like uh very, difficult to adjust to situation, so I did not tell anyone I didn't confide to anyone and I don't know how to seek help


am I like you can hear me right ya, so that time it was pretty much very difficult and very trying for me so then one day I decided [orh] I need to seek help so I went to


seek help and went to the psychiatrist and, try to seek help and I did it by myself because I did not want anyone to worry, and that sort of stuff so after a while uh after therapy, and all that and after all my friends and my family kind of know about it


because there's no point and no shame in hiding it I would say because you need support and you need support when you are, like, during your low periods so they supported me they encouraged me, so I got better and


I mean, uh I really do did get better so I think every time when we face something like challenging, or when you are helpless, we should not lose faith we should not lose hope because there are still people who love us who are always around


some question we don't need to follow the


I had the same I can empathise with you for that especially O level like one of the, education milestone that singaporeans' kids need to go through, so like you I also I was like I took my O level result I was very very nervous


like what is the result going to be like, so when I took up like I took my result I was in a shock, it was a two digit uh result and I was I have never ever seen that result in my, in my secondary school life I thought like I would do better and my


teacher were very disappointed, ya and, my prelims and all the other exams in, school like I think it was the stress I, can't handle it well during exam and I did badly because, usually during the school exams


not to try to flaunt or anything I will do well and I would like top the school but it just didn't happen that way in, in O levels so my teacher were disappointed and I was very disappointed like my parents were disappointed, everyone was like uh


is it like I didn't do well enough didn't study hard enough, that kind of thing, so I have always wanted to go JC like to me JC was the path that I want to go before, hi, can you hear me so I was like saying


can you hear me now, so I was saying that, I wanted to go to JC, so it did not happen that way though the aggregate was still okay to go to one of one or two of the JC, but I did not try to go for that andrew are you being cut off


okay cool so ya so I took the choice to go to poly, that that, time I did not explore any poly choices so I was, too, over my head I would say because I thought I would go to JC so I think that was one of the lesson that made me learn that I need to plan I need to uh you know see all the choices that I have


if not if one fail I can still do something else, ya then, poly was one of the best thing that


so poly was one of the best thing that happen because it kind of made me step out, step out of my own comfort zone as well as all the CCAs try to enrich my life and cultivate me into a better person more outspoken more outgoing and


and it was a comfortable pace and it was a comfortable place as well uh to be with people and to you know get to know other people so I would say <B>, you say is a blessing in disgu~<B>


really enrich my life and do a lot of different things that is out of my own comfort zone, so ya, I think that's all I would like to say, ya which other questions


for me, for me currently I'm like in the fourth week in uni, oh ya I'm, currently four in the fourth week in uni, so the pace for the first two


to three weeks it was okay it went from like uh it was like okay that kind like a slow walk, and then it suddenly on the fourth week there was like quiz there was like a lot of submission, then the exam is coming soon in like (hmm) next week and it kind of like it's a bit overwhelming probably because I haven't been studying like I haven't


been continuously studying, I would in in that I'm, like I meant because I took a gap year so after that gap year right maybe I'm still my engine is still not running as smooth as I thought it would be so I might need some catching up and that kind of thing and in a


and uni there's like people from all walks of life like people from JC and people from poly they are like, one of like the best people from their schools and they come and enroll into uni so that stress level is there and you can feel it from the competition and like from from tutorials and assignments that


people are you know trying to voice out their views and answer so that part kind of like stresses me a little bit I hope that I can try to you know get over it soon and not say get over it soon as in like the stress I can manage it well better


that kind of that kind of thinking


the stress part is from the time management, because currently we are all studying at home like I have a sibling she also study at home and there are people who will come over to the house, so it will be a bit disturbing and I won't have enough time to study in in a conducive hello can you hear me


okay so being at home because right now it's working from home studying from home so there're bound to be people at home so it's a bit difficult and it's not conducive enough to study


so I have to like have like a better time management so right now I'm trying to study in the morning I will have my lessons till evening and then once everyone come home dinner time and the TV the TV will be on the house will be


more it'll be noisier so it's impossible to do work so I have to like kind of shift my work all the way to the night when it's quieter, ya so, I think proper time management is the only way that I say I would say trying to


help me to better deal with my stress, and also ya constant studying consistency, ya do you have any recommendation ya


else tennis, (uh huh) good


exercising


positive experiences


so were you late for your delivery though


I will want to say like daily kind of thing, so for instance like just rain, and then I was out but I have, no umbrella and it was really pouring heavily so what can I do lah I have nothing, I have no umbrella with me and I I need to cross the road


so a a very kind lady who was pretty old so she was I think she was in her, mid-sixties she was holding an umbrella as well as her trolley but she still lent me her umbrella and then we kind of walk over to the other side of the road and being sheltered so


I thought that was like pretty I thought it was pretty it was a nice gesture for her to you know kind of lent me her umbrella and then we can go together and, though it's raining heavily she's still willing to share the umbrella with me I was also a bit Paiseh because she was


old and then I need to, I also need to you know like shelter myself so I was a bit Paiseh also lah so I scared she also


especially during rainy days, ya I want to talk about no, can we don't talk about that can we like talk about uh let's say like special event or concert


okay so back in secondary <B>


I attended a concert but this concert was very special for me because it's also special for my best friend so I have a best friend who was in secondary school with me back then she just had an ear surgery because of one of her ear disability


so she loves this, K pop group called BAP, in long form it's called best absolute, perfect, so I listen to their songs too, and I know that my friend wants, uh one of the members' autograph


okay so I wrote I wanted, to give her their autograph because she really loves the team so much the group so much, so I tried to write in, to the management and do the production concert production team, surprisingly, they were very nice they actually sent us a VIP ticket for front row seat


and also ya it's like uh !wow! I didn't know that would happen and also sent, us an autograph opportunity with her with my best friend's favorite artist, ya so it was like very heartwarming and she she was she was like so happy about it so I thought ya that was like one of the best <B>


in the house, in the house it's the best view in the house, (mmhmm) ya because it's the first


row and then the camera were like panning and then you can see yourself in the camera


so while since we are talking like concert like do you have like a particular music or band that you like or is it just Westlife chinese genre, english okay


that's great okay, or was it the song meaning, ya I know as in their song


they all have like meaning so do you relate to them


so which question would you want to talk about next


okay well said, anything I can talk about this too,


I would say probably like recently like just last year I was submitting my uni application , so it wasn't successful and I got rejected by the all the unis that I signed up for, so was pretty


demoralising for me and I feel very like [orh] you didn't just straight in your face rejection that kind of thing, so it was quite it was, I would say one of the I was at one of my lowest point in my life, and I did not know what to do so I was like completely lost I don't know should I uh find a job should I just sign up for a private uni that kind of thing and I don't know what to do basically


so I had a friend back then and he was very supportive and he kept encouraging me, and, he was there throughout like that period so I was very thankful for that person, so I mean throughout


throughout that whole experience I had a lot of friends who, you know accompanied me and try to encourage me to not give up and you know we can always try next year and here I am next year which is this year I got into a uni thankfully so


ya so after, like going through that stage and that period in life and here I am I just see like oh you know what those I just encounter's that you know would kind of, uh bring you, up braver stronger and you know try to tell you that [orh] no matter what this will pass and you should not give up you will still


see the fruit of the day at the end of the day that kind of thing so, , once you've been through the worst you can expect something good, in the following times ya


I can't give any advice, for myself, to be honest like I would I'm a very worrying person so I would worry about a lot of things that haven't happened I will like kind of, think about like the bad things and predict what bad things will happen so that you know I will be prepared but it's always like not being prepared


so ya do you heard me, I was saying like, oh well I, don't remember what I said


, ya I'm a very worrying person, like I'm a very worrying person


okay I mean the timer is moving okay cool so ya like I was saying, what I was saying , I'm a very worrying person ya so I would always, foresee the, worst that would ever come to me


so I can't tell myself to calm down so maybe next time when something like that happen, I will ask myself to calm down


okay how how about we just move on to the next, question ya let's, just say the post-COVID world


can we should we stop or is it okay to stop, so for myself I think uh post-COVID world I'm thankful for my mum for home-cooked food like during during the circuit breaker and like even after the circuit breaker it's kind of like partially lifted it was like still pretty much


very nice I can still like have home-cooked meals, so mum, it's one of the big thing


I say can we stop and submit okay


financial-related topic, okay so perhaps I'll start first so for point one do you have personal insurance uh if so share details if not why do you choose not to have insurance so personally I have personal insurance uh


, my personal insurance uh the name of the provider is aviva and uh I actually got this from MINDEF actually when I was doing my NS national service so uh, during that period of time actually I do not have personal insurance until MINDEF actually offered


this insurance for all NS men so during my BMT uh I have, personal insurance and then Aviva themselves they came to talk to us about how important it is to have personal insurance and due to our kind of uh risk factor that we are


working in so ya I have insurance and so far it has been okay it's from aviva once again and it do provide some basic coverage of group accidents and uh medical coverage there is necessary for


my daily, basically whatever I'm doing everyday so


so let's move on to point two do you have an endowment plan personally yes I do have an endowment plan uh actually I, started endowment plan my own personal endowment plan as early as the age of eighteen years old uh reason being it's because I think endowment plan is good to have it's more it's more


suitable for one who have a personal financial goal in this case my financial, goal is to have a uh a a fixed savings for, my family in future uh whether is for my, my wedding my house or


, basically my kids' education so this money will be used, for my future plans uh, I think endowment plan is a good thing because uh it kind of like force you to save money uh it's easier said than done because actually I was thinking if it's necessary because of


actually if you have like, self-discipline you are able to do so but, actually you are not ah because the temptation is there when you know if it's not a a contract or a permanent plan that you have to abide or you are obliged to pay every month so it's a good thing for a person uh like me who sometimes see something I like and I can't


wait to get my hands on the latest thing uh technology so I kind of like really force me to lock my bank account and like keep my hands stuck and also ensure that I have sufficient savings for my future use ya


endowment provider you mean like the the account the bank name or, I I actually uh went on to , Great Eastern I've Great Eastern endowment plan ya so actually endowment plan back then I I didn't know much about it so I actually got my my dad as uh my own personal financial adviser to advise me on what are the good plans or what is suitable for me in the future


okay so so do you do


so let's move on to the next point uh buy, term and invest the rest do you mix insurance and investment you want to answer this question first


ya okay so maybe for me I think , insurance and investment I think it's based on <B>


let's say I want to invest property right so how well do I know the the the market in properties and , what what, sorry so for investment wise I think it's necessary to have a good knowledge on the the the kind of investment that investment in so just now I brought up properties right so if you do not have a good knowledge on properties


I think you shouldn't mix insurance and investment because ultimately investments you want to have as much gain as possible that would also mean I mean it's very uh a simple principle is uh lower risk, lower return right so high risk high return so for investment wise you will always try to get as much gain as possible that would means also it comes with a lot of high risk so as I said if you do not have like a a good knowledge on the particular area that you want to invest is not uh


and a good idea to actually mix insurance and investments perhaps you can buy uh certain insurance plan that have both, insurance and investment that would mean by the term buy term and invest the rest so, you actually buy uh a a product, but instead of a lifelong insurance you buy for like a short period of of time and you actually use that money to invest for


other things ya so in, I would say I wouldn't mix if I know what I want to invest but at this point of time I do not have any knowledge on what I want to invest at this present moment so, I would not really keep them apart


unless I have you know read up and do my research on the area of investment that I want to invest in


I think I'm kind of a low risk person uh because, I don't I don't I, I'm not a I'm not a risk-taker person so I will actually how I actually make decisions in my daily life I actually calculate risk like whether is it worth and what are the risks or rather what are the consequences if things go south you see so


in terms of money wise I tend to be very passive and I would really do a thorough research and perhaps ask someone who know better in that particular area of field to get them to advise me on what decision that I should make and perhaps I won't just stick to one advice I'll probably get like more advice from


from people I know of, perhaps a higher or a certified or a qualified insurance agent to further explain my current situation on my current decision making


we are moving on to question seven that's fast okay, okay okay okay ya, so since we are at question seven what about you do you do you do your own would you DIY your or plan your own insurance or would you actually approach an approach an agent to do so for you


I see so you would get an agent to do so, ya, okay okay let's move on to, question four, term life insurance or whole life insurance which do you think is better for you


term life insurance why is that so, (mmhmm) (mmhmm) (mmhmm)


ya I I actually agree with you, I think uh it really depends on, uh number one your financial uh stability or your your the strength of your financial uh stability because like what you said, , whole life insurance actually a lot more


expensive and, given the current situation that you are in both of us are students so I totally understand from your from your perspective where we do not have that uh steady income of salary uh steady income of salary to actually pay for this


uh premium whole life insurance monthly so uh I agree with you so, I think term life insurance on on the other hand is also good because it gives you it doesn't tie you down to, many many years it may it just ties you down to a short period of time like what you said five to ten years and perhaps along the way you meet up there's a review or better kind of uh uh product insurance offered by


uh various insurance companies that you are you know you are keen or it it provides better coverage and deal for you so, uh I think it's also that's that's a good thing but it might be a lot more expensive when, you age as you age so


perhaps once we start working or once I start working I might want to consider whole life insurance because who knows if I start to buy a whole life insurance at the age of thirty or forty years old , age is definitely an an increase of risk when uh


especially you know insurance company will take age as a very strong factor for it so wouldn't want to proceed to buy life whole life insurance at the age of forty maybe once like I said once we get like steady income and we can afford it, uh then we should ya


okay, so , perhaps we move to question six do you think CPF insurance coverage is enough for your insurance coverage what is your thoughts on dependent protection scheme medishield life and eldershield as well as medisave uh perhaps I cover question six first so for me


CPF insurance I personally think it's it's not enough, because I I okay so, my my view is that CPF actually just offers CPF just offer you a very minimum coverage for your hospital finances even for certain illness or like accidents that that you encounter in your life but


it doesn't provide enough coverage if you have to do the necessary for example you you you you've, fell you fall down and then you broke your arm right, it might not cover you for a thorough treatment or uh uh rehab, for your injury so all these expenses might have to you know come up from your own pocket money because CPF insurance might only cover like your hospitalisation fee or a certain amount of of uh percentage of your


surgery if you have to do so so I think oh you should always you should always have like a private insurance to, back up, to act as a backup and provide more coverage for, uh, any any unforeseen circumstances that we meet in in future so that


in that case I think it's not enough and we should always try to look on getting private insurance as a backup plan so plan always at there's always it's always good to have a plan B especially when it comes to financial matters


I think so ya I think so, okay uh moving on


I think question seven we have actually uh answered previously so move on to question eight uh what do you look out for when, buying an insurance policy do you see insurance as an uh essential expenditure


everything okay on your side, hello can can you hear me ya I can hear you, ah I'm at question eight, okay so I will just uh proceed to answer question eight uh, what do I look out for when buying insurance policy I think step one I will always ask uh


my insurance friend a insurance friend or any insurance agent that would try to sell me their insurance, product product is uh number one how much do you have to pay for per month second thing is what kinds of coverage and uh how much will you will your company actually cover


uh my uh certain bills or any uh accidents that I want to claim so these are the two main factor that I, would actually ask or look out for when buying an insurance policy of course the more you, pay the more coverage right so you I think for me I always try to find a balance something that I can afford and


also look at the amount of coverage that , the insurance uh is willing to uh that I can claim from the insurer should something happen to me ya so these are the kind of two main things that I look out for and also oh last thing also the the time frame how much uh what's the period that I have to ya the


the policy like for example the time frame for example like is it a short term or like a long term plan, for for I think anything beyond like, five years


is considered long, for for me for me but I think it it differs from anyone, ya so what about what about you


okay then what do you look out for when you buy insurance


hello I can't hear you can you !aiya! I can ya I can hear you now okay you might want to repeat your last sentence


affordability okay, all right , sorry weston I just to check is the time being paused or, ya so do we continue


okay so uh very quickly move on to question nine what kinds of insurance are essential for people of my age !wow! uh what kind of insurance I think , accident coverage because uh at this point of time we are


more of a risk-taker, uh at oh hello ya I'm talking about ya I'm, I'm on question nine now what kinds of insurance are essential for people of our age uh I think I'll


ya accident coverage right because as youth we are more of a youth a risk-taker ya so


hello, okay now I see you thumbs up, uh negative experiences, okay so


I'll start first then uh describe a time when you felt trapped or helpless, !wow! okay so uh actually my grandmother just passed away uh and uh


my grandmother is actually staying residing in the US instead of singapore so , my family is kind of like split apart my mom side is in US and my dad side is in singapore so I have not, been to the US for a very long time and in fact I have not been US for almost ten more than ten years actually so uh recently uh my grandma my grandmother has always been a a health uh


enthusiast so she will always look into, , all the nutrition and like uh benefits of certain food coming from like magazines or even, YouTube even news when she come across or read on the newspaper so


uh she is, like eighty plus years old and her health has always been very very good so recently due to, unforeseen uh circumstances in her health she actually passed away and


I felt helpless because, my mum was very very upset uh, and I kind kind of relate to her because she cannot go back to US to see her own mum for the last time and she was crying and I do not know how to help her because I can't change anything and


we can't just buy an, air ticket due to the current pandemic and even if we want to there are like no planes uh that would allow her to have a flight back so I felt very helpless because there was nothing I can do to help her feel better or there was nothing I could do to change the outcome of what's happening in reality so


all I could do was just be there for her, and yes I felt very helpless because whatever I do doesn't seem to you know change her or doesn't seem to make things better for her and I actually feel very upset not because my grandma died but yes I'm upset too but I'm more upset because I feel that my mum


uh, not being able to fly back, to her to US to see ya to see her mum it's, it's something that you know no one would want to go through and, furthermore it's coming from my own mom and I, seeing it from it mean seeing it in uh in front of my eyes just makes it very difficult for me also also there was a time when I felt like really really helpless ya


do you want to share, when was a time you felt helpless


yes I can hear you


ya that's good I think it's important to know that there, are people who are always around you to listen to you and care for you even though they might not solve all your problems but they are still there for you especially your family members and loved ones, ya okay


let's move on uh, what are some hurtful, okay maybe I'll move on to uh describe a time when you feel that nothing you do is good enough ah ya so, uh actually brings back


ya actually brings back to the to the time during my O levels and collecting my O level result I think that is like the biggest fear for every sec four students or graduating students from secondary ya so , I, I'm I'm not very academically smart as smart as my brother but


I would say I'm a lot more, hardworking than my brother because, every time there's exam I do not know why he's always playing playing computer games but, and I'm always studying the hell out of out of whatever time I can squeeze in you know so


I really studied for my O level so I was, I had like, clear academic goals personal goals that I want to actually uh achieve and part of my goal was to get like uh a decent uh score enough to go into JC or to go into uh I wanted to study psychology in #ngee ann# poly but


, unfortunately upon receiving my grades uh, it didn't it it wasn't expected like it was totally unexpected it was really really bad and, I did not know how to react I was in shock because


that really came very unexpected and, I think the the higher you have for your own as in the more expectation you have and if it doesn't meet the expectation level of uh what you want it it hurt even more so, that period of time


and then my family in general they are all academically well-to-do uh they go to like decent local unis and then like, I suddenly become like probably the lousiest person or like the, someone who received the worst O level score so I was very very upset because I thought


I let my parents down you see so , I didn't have much choice for, all the the courses I want to go in poly I think don't even talk about like JC so, uh I got into a course that I


didn't want to I I wasn't really interested in but I think that was like that one time when I felt that, whatever I do because at that point of time I studied really hard but, I was just I was just not good enough to to get into the course that I want and even up to now that has been an important lesson for me because


you know I should always tell myself that , maybe things happen for a reason and I shouldn't feel that way or maybe it's a blessing in disguise so that was a good like wake-up call for me and also a good uh life lesson for me so ya receiving the O levels result that was not really expected


not to my expectation was really something that I feel that whatever I do is not good enough, (mmhmm)


like your prelims is it, (mmhmm) (mmhmm)


hello I can't hear you hello


got cut off again, hello, hello hello hello, [orh] it's in it ya it's


sorry just touching more this point I think uh I think it's not only for us I think it's a problem with the entire nation when, youth back then like we are, secondary school students I think they think once they receive or actually any point our life when we receive a result that is not


up to our expectations I think, everyone would everyone would encounter a certain setback in their life but, I think these setbacks are important because it strengthens , it can strengthen I was I use the word can because some might not deal with it


uh well some can't some of them can't do it deal well with not meeting expectations but in general most of us would get a lot better and we are more mature, some are more matured when we encounter these setbacks and we actually grow from it so it's not really a bad thing but


of course going through it is definitely painful and not desirable and unpleasant but it gives us a good lesson that we can all learn from from from that particular setback that we had in our life that actually shape our character to who we are


today ya so I think maybe, <B>, really thought that you know they can't make, they they they feel really upset and they they cannot deal with setbacks I think maybe we can share with them like you know actually it may not be a good thing always have faith and uh


always believe in yourself that you know this particular moment doesn't really define, who we are actually I think that's very, ya, that's very important, ya okay ya , I think I'll move on uh what


makes me stress, uh, I think, I think in general what makes me stressed uh, , I think at my age I'm kind of stressed, that you know I can't because I've


always wanted to uh not always wanted it's my ambition or my career my goal to actually work in the police force to sign on, as a police because since young I've always dreamed of becoming a police officer


but uh, actually I was also hoping that you know NS I will go into police but actually end up in army so the only time only thing right now I can hope for is that you know police will actually accept me after my uni, uh uh my my


after my university so I think, working to it is making me stressed in a way because, like I said I'm I expect myself to be able to join the police force or for police to accept me but in a way I'm also scared that


uh, that you know police will not accept me and, and, you know what am I going to do right now because there has always been something that I'm working towards to if I have to change course uh, change course then where am I going to change so in a way I'm still kind of stressed


about it still lost as well but uh I just hope that I can find some direction or just hope that things work out, uh, as how it should be


what about you what makes you stressed, (mmhmm) (mmhmm)


so how how do you manage your stress because I understand like everyone has different ways to manage their stress so how do you deal with your stress


ya I only hear like you have a sibling at home ya after that it got cut off


constant studying okay ya for me I think, for me I'm someone that have to channel my stress to something like I have to vent it out so I would I would uh for for me I would play tennis but sometime tennis can be stress too especially if if like


you play tennis and then the your strokes don't go well to what especially if you're like playing with your friends you know no one would want to like play with someone that their their balls just don't come into the court or just they they can't hit the ball because your your strokes are uh are all messy and it's not to the right uh strokes so for me I think the best way to relieve my stress or how I manage stress is through like exercise


like I would run go for go for uh just a slow night run you know with good music you know just have like a breather uh something for me to channel my energy out and I think nature is a very good environment for me to help me like relax so that is how I deal with my my stress ya


positive experiences, ya okay so now we are on positive experience describe a time when uh I help someone in time of need oh actually this this


I actually help someone yesterday because uh uh right now I'm having school holiday so I'm actually doing <B>, uh who


is handicapped so he was doing Grab as uh as his part-time job or full-time job not so sure but he was riding this uh personal assisted, uh device PAD so, I come across this uh restaurant where I have to pick up my order but uh


it was not very accessible for wheelchairs so even for me I I, I I cycle I ride bicycle so I have to park, my bicycle a certain distance away from the restaurant before I could actually walk to the to the restaurant itself to collect my order


so, I actually collected my order and when I came out this guy was just trying to find someone to actually help him collect his order and uh, the thing the funny thing is I'm doing foodpanda but he's wearing a Grab shirt and he was also having this uh Grab backpack uh where to put all the food items ya so uh he actually sounded off to me


I think cause he saw me with a foodpanda and every, like I'm the only one doing food delivery so I might be comfortable or might know the the system better so you actually sounded off to me that he could not find a place to put his to to go up, uh to the restaurant so he asked me if I could actually helped him collect his order so uh I asked him are you doing Grab or foodpanda surprisingly he said foodpanda so oh ya I did see his


ya he was wearing Grab so uh but I didn't have time to engage in a conversation with him so I just took down his order number uh which I actually saw it earlier when I was collecting my order so I collected the order and I actually, uh put the put his put the food uh into the bag for him and then he was like really grateful uh because he said that a lot of people


when he tried calling for help none of none of them actually, was willing to help him or would know what to do when uh ya he's of course looking for help so, it kind of like touch my heart because you know at least he's trying to do something in in uh


to to sustain or to to get some money for his daily needs which I think that is, that's quite good so he was very thankful and he couldn't stop thanking me but I had to go deliver my own food so I actually felt really, touch and I think I made someone's day ya so that actually uh kind of motivates me to help


people in need every day, ya, [orh] no no no it was like only like a, five minutes' delay so you I think, I think that five minutes was was worth it even if like my, customers was not happy about it but I think I have a valid reason right what would you just leave a handicapped uh a person who's in need alone ya I don't think so ya


so that was a time, when I help someone in need which is just yesterday quite recent


so so maybe next time you should always carry a umbrella, rella so you can shelter, shelter someone else if they, ya shelter other people oh but actually in fact there are like this sharing umbrella, rental where you can actually rent umbrellas to actually use but


on top of that there are I've seen like certain committees or certain , uh li~<B>, where anyone can just take for free but, I think, somehow it always go missing think singaporeans can't can't


seem to share ya we we can't have the good stuff we don't deserve it, ya, okay okay, ya it always go missing when you ever need one okay


what was the best meal, [orh] okay describe a time when you can't wait to attend a special event or concert okay since you want to share you why don't you start first


so you have like the best the best view, over there, in the house, in the house the best view okay


I've actually never like attend a concert in my life to be honest so I I don't get the concert feel or I can't answer this question where I have to attend a concert ya but maybe sometime in life I will want to attend a concert perhaps with my


if uh there's a particular band coming I actually I wanted to attend the uh Westlife and no sorry the Backstreet Boys uh band concert, is it Backstreet Boys or Westlife one of them I can't remember it was a few months back but I was still serving my


Westlife I think so too I I kind of forgot was one of them I always get mixed up ya but they are like my childhood band when I was young, when ya when I was young last time when we, still carry that big radio thing it's pretty heavy carry it around so when I was young I used to


have that in my room and my helper would actually on that radio and then like Backstreet Boys like class ninety five was start playing and then they'll play all these oldie songs and then I would eventually fall asleep so I actually, sleep with that music so can you imagine like