yeah, so fond memories always happen maybe, during I was traveling, let's say this year before the like COVID-nineteen thing blew up, I managed to go to, taiwan during the cherry blossom


season, is very beautiful up in the, mountain ya ya Yangmingshan ya upstairs was like ya you'll see the like


uh was bearable I feel, I wore I just wore like a dress there I feel like it's okay maybe we need some heat tech lah , but, those like a lot of trees blooming at once was really a very, beautiful scene for me to be there yeah


how about , can you describe your perfect day, my kind of


perfect day where I can , wake up like without an alarm clock and just wake up like maybe at twelve, and just , stay in my bed swipe at my phone and then


like doing nothing the whole day I feel that is really , perfect for me because like I have work now, full time I have to be at office , twice or thrice a week, ya and my office is really far


like at, pandan loop that's like out of nowhere so I feel that my perfect day now would be doing nothing at home, just, swiping our phone and stuff yeah, yes uh and


maybe like catching up with my friends cause I have not seen them for very long would be my perfect day in the future, yeah I feel that yeah, like meeting up with my friends cause my friends and uh my friends my close friends really we really click well even though after like a very long time that we never meet each other we still can


talk about things that, literally never happened before, yeah, what was the best meal you have ever had in your I would say life, or any recent, best meal that you ever had


I feel that


growing up was really something that I will be proud of that I really adult well, I feel , I am a very positive person so most of the things that happen to me I would say I, would, bring it as a positive experience in my life be it like challenges or obstacles that I face so


, maybe during that point of time I would be, like , sad a bit , like , would be sad would be feel feel defeated I feel


, this is part of life so I will take it as a positive things that, would bring me to, a better person in the future or now I would say, so I feel that as a, like if you


treat things positively every experience will be a positive experience for you so regardless like what had happened in the past or, things that have, happen bad just treat it it as a, learning point in life


be positive in things that you do, so so that you will be, a better person in future, and I feel, that being positive is really very important, in life


as like if a positive person faces an obstacle they will try to overcome it, and , they will attain a like, something good out of it but if you, you are negative


son, you see at in a negative way you'll feel , you'll feel bad about this thing you do not want to be motivated to continue doing uh something, then you would not, be successful in life lah I feel, and I feel that many like


like those millionaires or, like, bill gates or steve jobs they are, like people so they really know what to do were like, in, their life they see challenges as


uh guide where they bring them, bring themselves to success lah, so, positive experiences will be like something that, you how you see things in life I feel


okay yeah so , so regardless of the things that, you see in life just be positive and carry on with life , I feel that


god will not like, be, mean to a kind person or positive person I feel, yes so, I think positive positivity would really impact a person in


their life [lah], so treat every experience as (uh) something positive for you to, be a better person in future, yes that would, that would be something that I would advise everybody [lah]


okay so like what you said uh ten years ago if there was one person who actually can give myself an advice, uh I'll be that one person and say uh maybe I can actually set aside a little amount of my allowance daily and actually maybe uh put it inside a piggy bank


so uh ten years later definitely I can see the significant amount of money but, I didn't, and uh habit of saving I actually develop it uh after, like uh, my army


which uh I did the same I actually set aside uh it's actually during my army, that I actually had this habit which I set aside like maybe uh fifty, fifty percent off uh what I get and also uh other the other fifty are actually uh


set it for transport, food you know, so it's actually better this way as I have a, a stable uh a habit I mean stable amount of saving every month and I make sure that uh


towards the like maybe uh I'll give myself a, half a year mark during the army, and actually uh check try just try to you know tally whether, I have actually uh spend any of my savings


so like what you said uh I myself also have a hospitalisation uh insurance which actually, covers uh a great amount uh let's say if I uh, be admitted to, the hospital


and it'll actually uh, help a lot like uh what you mention uh during this period COVID nineteen or actually during any period cause we ourself we don't know when we're going to fall sick so I feel that health insurance is actually one of the most uh important insurance


in my opinion that uh everyone should actually get cause uh during times like this uh, you won't know what will happen like you see now the COVID nineteen is here everyone is actually struggling to actually uh


to live and , myself I feel that uh, I've actually uh had uh encounter where my, aunt actually didn't bought the insurance uh health insurance so she actually uh


had, uh some illness that's actually requires dialysis, so that actually impacted her a lot lah so, let's say if she actually bought the insurance it will actually be different


you know so, what do you think, you can do to, improve this thing


so I feel it's very important to actually start from young, to uh, get educated about the importance of saving no doubt uh let's say if you get five dollar per day back in school can actually save up like two dollars every day and you actually get a significant amount of money at the end of the week or at at the end of the month


so I feel that you can actually uh, to what we can do we can actually try to educate our future generation that uh it's very simple to save you know you don't have to like


uh, have a headache you know like, how should I save but you can actually just set aside a small amount of money, so that , to actually learn the value of saving and, uh like, times like this, like, when the pandemic struck can actually see the importance and


uh how how, these savings can actually help to tide you through, so I figure that, , income level you can actually, uh, depends on how you'd think, so for me personally I feel that it's more


of hard work so uh I would say, you can actually uh, I'd say in the sales line you can actually be more, uh proactive, cause uh me myself as a marketing ambassador I have to be very proactive when it comes to


like uh, explaining the product or actually uh letting, people know how this and that works, uh so, it's more of hard work I guess so what do you think it's hard work or education


so uh, just to highlight one more point is I feel that, , back in the days uh our parents' generation they actually believe in hard work which uh actually they instilled it in me, that uh I believe that uh as long as you


put in hundred and zero one effort things will come up so currently if uh you guys can actually see the trend, I mean you can actually see a trend there's actually more of working smart so uh instead of working hard you can actually work hard and smart


like uh let's say when you are setting up a cafe you can actually uh instill some elements of like, uh creativity like maybe you can do a themed cafe or maybe, uh your decorations can actually be more, uh, slightly out of the world compared to the other cafes that's hanging around so


it's very important to actually know, that these days other than working hard you have to work smart cause uh our generation is actually more attracted to new stuff compared to the previous generation, so I feel that you can actually uh


get the point at, do something out of it instead of just like blindly working hard, so uh that's what I feel lah, and uh I feel that currently uh with this uh COVID nineteen going on spending habits can be actually uh


be, quite uh hard to manage cause uh as you can, uh, see there's actually a lot of shopping ads popping up everywhere you know on instagram on facebook, , it will actually lure you to buy stuff like what I did


so I feel that I myself have, to actually know that, currently in this situation is not a great time to, spend a lot cause there's actually a kind of like no income for me during this period so I would actually advice uh people out there or everyone to actually


you know know that we are actually in this, phase of life I guess that uh savings is something that can actually tide us through this period of time and know the value of money cause


I feel that, even though everyone say that uh health is priority health is priority but as everyone can see now, uh, money is is actually kind of like a issue cause of what's happening nowadays, so maybe you like to share with me or like


uh, what are your challenges during this COVID nineteen


so I feel that uh like what you said, uh debts it's actually can, be quite hard to handle, so uh, from young my parents actually uh told me not to borrow, from anybody cause uh


if you have to borrow it'll be out of your your financial capabilities to actually, uh, to purchase that product or that thing that you want to buy so I feel that uh


uh highlighting everything , a few points is uh firstly it's everything from this word finance actually start from young so let's say if you were to put me in a position where I can actually lecture a class of uh very young kids that actually understand me I will actually say that


know the worth of money even though as cliche as it sounds uh, it's not, money is not everything but times like what I've went through uh COVID nineteen uh and also uh when I got discharged from the army is actually very important to know how that few hundred dollars or that few thousand dollars can actually


improve the whole situation you know it's instead of having just a few dollars in your pocket you don't know what to do with it, so I would say, to that that class if I were to be a lecturer , know that uh this money that you are saving now is actually for your future self and it's not for nothing cause uh from young I have also always thought that uh I'm saving like you know why am I saving for what


so when I'm at this age right now I actually learn the value of saving cause of what's going on and , secondly I would also say that I uh it's very very important to know that health is the number one priority in our lives cause


of course , you can see what's going on now and, it's very important to know like, uh health like, can actually destroy one person so, it's very important to keep your health


tip top, and uh if you can actually purchase uh insurance it will be very very good lah, and uh, working hard and working smart is very important, to, all the youngsters out there and also


ya, so spending habits (ppc), I feel that a person have to, be very uh mindful of what they are spending on every monthly uh the transportation can actually take a bus


instead of taking a cab and also the food that you are splurging on, yup so these are all the points that I would like to highlight [lah]


okay so saddest moment in my life would go back to when I was actually secondary two where I grew up with my grandparents


so I will actually uh occasionally, go to like my grandparents' house to, actually, know sleep over to have a meal with them so what happen was uh in secondary two my grandpa my actually passed away so what uh what what made it a very sad moment was I was actually in uh the #tan tock seng# hospital so uh


he was actually in this critical stage so, what happened was , we actually visited him for a few days and uh nothing is nothing is changing lah so he was still in, that stage where he was unconscious so


we were actually still talk to him even though he's unconscious, and, tell him like uh after he recover, we will actually bring him home we'll actually uh cook what he like to eat bring him uh maybe bring him overseas so what happened was uh there was this night where I remembered was uh all of us was uh told by the doctor that he would go anytime so we actually kind of mentally prep ourselves that we are losing him lah and like we kind of thought it through and


knew that there's nothing we can do about it, so uh, all my family members was there that night, so we were there ever since like afternoon maybe like one PM or two PM so uh we just sat there you know hoping he will wake up


hoping that what the doctor say wasn't, true so after that uh fast forward to maybe I think eight thirty so my, another half of my relative actually came, so we


we didn't ate for the whole day, and uh me my parents and also my, aunt actually went down, to get some food cause we were starving lah and I remembered that it was uh


popeyes that we actually went to, so, when we ordered the food right we actually got a call from, my my big aunt saying that my my grandfather was gone and, we were all devastated we just like, panic you know at we at popeyes saying that oh what should we do uh it just like oh this happen so we


actually rushed out lah so one of, like my relative just stay there to, consolidate all the orders and actually bring like takeaway instead of having, it there so, when we went up he was, he was not there anymore lah he was gone and uh looking at him I actually had a flashback of like how he always treated me when I was over at his house and I


he was very nice to me always like, he was quite grumpy, in that sense saying that he would always uh scold people for no reason you know but he was always exceptionally nice towards me he would always like give me extra pocket money right uh just to sit there and talked to me asked how's school so see that losing him during my secondary school was quite an impact that I I kind of like knew that of death is like inevitable that


will bound to happen one day ah, so ya that was one of my saddest moment in my life where I actually lost someone very important ya so what about you


I mean I I feel that it's very natural, to feel emotion like you know when you lose your loved, one but, it's very important, for us to actually know that things, like this are bound to, happen so don't


don't be too negative you know, like you have to look through it like it has happened so, there's nothing we can do about it, you know and just, feel sad so just try, not to feel, like too bad on


yourself on whatever that's going on, lah and I feel that moments, like this, uh like death you know, or like, trauma could actually change one's one person


life which uh there are actually a lot of, like, uh, like cases that's happening that actually, make people, would have, like PTSD you know, post-traumatic stress disorder so it's very important to know like what


the the line have to be drawn, to know that you can't do anything it it's like out of your out of your will or out of your your your what's that call like you can't do anything lah you know like when this kind of thing happen so one one of like


apart from my grandfather's death, uh, one of the most traumatic experience it it was really traumatic, where it was actually back in like secondary school so what happen was right it was the day where we get our O-level results okay and


when I got my O-level results right, I was shocked okay, at first I was actually laughing it off, I was like !huh!, thirty four points but after that then when I reached home


right I was legit like, really really really like, in shock like how can I, thirty four points and what am I going to do cause what, contributed to that trauma that


actually left me thinking till this day was, what happened was , after O-level you usually go to poly or you, go to like, higher NITEC if you don't get good grades so what happen was


when I opened up the booklet I only had like, NITEC courses so that meant that, I went to like sec five O-levels for nothing, and, it actually struck me really really hard and had me been thinking for a few days I wasn't able to sleep properly


and on top of that I had my parents like nagging at me at the back saying that why didn't you study well, so it it, it actually grew on me that, I told myself that, I had to do something about it lah so


I went to appeal and actually eventually got into hand, higher NITEC course and actually continue my studies there but I feel that things that, could be the most traumatic incident, can actually be


prevented to like, to make sure that it doesn't happen so easily, instead of like you thinking that it will happen it will happen it'll happen but, you have to be more wary of the


things you do, just in case you don't create any accident, so ya what about you, yes


so what I often worry about is, but like so I


would say what I perceived as life is health so it's very important to actually know like, uh without health there's nothing you can


do cause I feel that everyone is so blinded by like all the materialistic thoughts and all the need, to survive until, they actually forget that the most important principle of life is to keep yourself healthy so what I worry about is


health as well cause, uh my family actually had a issue, not uh as in my, uh, family actually had a history of uh diabetes, cause my grandfather actually passed away from, uh diabetes and


other complications lah so I also worry about, like, what if you know there's a lot of what if in life, that uh what if I got diabetes as well what if like one day I'm struck with like cancer also so


mainly I would always worry about, like a lot of what if lah, in life and mainly it will, always be directed towards like health and, I feel that, worrying is one thing but separating yourself from that worrying right it's more important cause you can't always


worry twenty four seven, and think of like oh what's going to happen if I do this what's going to happen if I do that and it's very important to know that worrying itself doesn't actually solve the problem, and also I remember there was this


one time where uh back in uh my school days lah so I actually had like uh, the shoe that was given to me, in uh in my birthday party that that two pair of shoes right one pair was actually worn by me when I go out whenever I go out so


I remember being like very very very, angry right uh when I was it was like a day where I spent my day with my friends and this, at our usual hang out place lah, and suddenly there was this, like, very tall looking like uh


guy he just like I think he was drunk, so he actually step, on my shoe, knowing that it's like a very limited edition shoe, and like it was on purpose so he step on my shoe and he was like


this shoe it's very expensive, but don't care you know, then I shouted in a way lah and I became very very angry that, like I wanted to like confront him, and I became like I can't control my emotions at that point of time so I my friend had to pull me back tell me that uh it's just a shoe you know but people won't understand right why this shoe is so important to me instead of


thinking just a normal shoe, that's actually some from a gift from somebody that I really like love my family so, I remember that was like, the most like worked up ever in my life that I actually feel that


this guy like what what is this guy doing, in life like why is he doing this to other people so I also remember that , during secondary school there was a lot of time where, I felt like giving up not in terms of uh academics but actually uh during my uh basketball training when I suffered quite a lot of injuries and


there was a lot of time where the injuries actually made me, uh unable to move like properly so with that being said it was hard to play basketball as well so what is your most, like angriest point in your life


or the point of like giving up


so I remember back in the days, where I was in secondary school, so we actually had this like uh road race kind of thing, in uh at at Bedok reservoir


so , what happened was uh I was with, my group of friends like chit chatting as usual, so, when we started off the race right apparently my my friends my classmates uh


my classmates uh, pants who was not tied, you know, so when when he ran for, when the race just started right he he started running, so, what I noticed was he was in front of me so I thought that


maybe his pants was too loose but it was still okay, so when he ran ran ran ran ran when he started running right, his pants actually drop suddenly, so at the point of time right there was actually like my whole


class was, with me so there was actually a bunch of like twenty thirty people so, it actually sparked off this like, this like !whoa! then everybody started laughing you know so it's it's kind of like one of the most memorable day


like back in the days in school and also for my friend lah, so I remember uh, like, the most uh fond memory, is also like during uh my birthday on my twenty first so I was actually with uh my sister we were actually out


Tampines getting some stuff for my birthday when uh, for my birthday's birthday party which I didn't know that there was this surprise going on, so, I've always told her that I wanted to get this


uh, this thing that I this shoe that I really like, so, I didn't know that uh I mean I have actually invited some of my friends over for that birthday party lah so it it is going on at the chalet so


when we purchased finish like our groceries over at Tampines right when we head back right so I was very very shocked that uh all of my friends were there you know my primary school friends my secondary school friends, so everybody was just there and one of them was holding that shoe that I really like


and and that was like, for a moment kind of like my first ever like surprise cause , I myself, is, very hard to be like, surprised in that sense in terms of like birthday you know cause I I kind of like know that is my birthday so


it's very hard to surprise me ya so is is is I kind of know that oh something is going to happen, so I didn't expect that, my my sister will actually get me that shoe and pass it to my friend cause that shoe was actually a limited edition shoe


and, it was actually very hard to get it in singapore so, I was very shocked lah and, best part is, my parents actually was holding on to another pair later on later on when like in front of my friends like my friends were in front so my parents were behind so there was actually two pair of shoes so she told me that


uh, she got a pair and my parents got me another pair cause uh one pair is for me to wear and another pair is for me to actually showcase it inside, like, there's this shoe box that I really like, so it's kind of like a


memorable thing where everyone was gathered, and uh, it it I I will actually remember that day lah cause, it was actually the first time where this this birthday surprise actually worked out and I was legit surprise and I was very happy


so we spend the rest of the day like eating barbecue, and chit chatting ya so, prior to this what's your happiest moment in your entire life


was it like very cold


perfect day, I would say I'm quite simple, so a perfect day would range from something like, waking up and uh when I don't have work, and just enjoy a cup of coffee in the morning have a scrumptious lunch and after that think of what to order for dinner so that is like a very basic you know


, you don't have to do anything kind of perfect day, and, there's also another type of perfect day where, goes like uh you know, uh after work we just head home


and shower and you just lying down on your bed and, it would it would it it will be perfect for me cause you you you'll feel that sense of achievement, like, after a long day of work can actually lie on your bed


you know scroll your phone, it's actually kind of perfect everyday if you want to perceive it as perfect and also the the last one would be the very very perfect day where you know you just wake up in the morning get your coffee head to the gym comeback


and it feel good, you shower you head out you meet your friend for lunch after that maybe go for some activities, like uh singing karaoke playing some darts playing some uh snooker, and, watching some movie and also go for like a dinner over at like maybe uh some


bar, bistro and you can actually get some drinks after that uh chit chat with your friend catch up on life that'll be a perfect day as well, so that is my kind of perfect I feel so what is your kind of perfect


I would say the proudest moment in my entire life, would be back in uh secondary school days where I was actually uh in the basketball team, so I was very sporty very, athletic and uh


so we actually training for tournament, and, uh I kind of like suffered a, uh injury, during training cause, , it was too intense lah, so we had to do like, uh a lot of different exercise and


I actually sprained my ankle my, right ankle so, my coach actually told me, to stop training and actually just rest and uh, rest properly for the next, coming tournament, instead of going for this one, but I felt that uh


there was actually uh I think it was actually like, I think two or three weeks left to the the actual tournament, so I was actually a very important position in the, team where I was the centre which I'll actually get rebounds and pass it to my teammate cause I'm tall


and, I'm slightly bigger size so it will be more, advantage to put me in this position lah so I actually sprained my ankle and my coach told me to just rest and not participate, but I actually told him that I really really want to participate cause I feel that


uh two to three weeks might be very short for me to recover but, I really want to join this tournament cause it's actually, one of like my last, tournament in secondary school


before I actually go on to, like after I graduate from secondary school so, what happened was uh, fast forward to the day of tournament my ankle wasn't like hundred percent healed lah so I was still like having a bit of like pain in my ankle so


I actually continue on the game until this uh, I think it's the last, mark, like it's the last quarter already, where I, landed wrongly and I sprained my, ankle so


the opponents, score was like very close to ours, and, I myself as a as a centre position right, it's very important for me to actually uh, boxed out my opponents and also get the ball to pass it to my teammate for them to actually score


for my team, so when I sprained my ankle right things started going haywire, I couldn't jump and land properly I, couldn't, use as much force as I was using in the previous, few quarters so I actually brave it through and like kind of like uh


just Tahan the pain you know, or just try not to think of it and , where you can actually see in like NBAs you know, where there was, always always this like last last second kind of thing so what happened was uh when there was


it was left with like five seconds our score was like, the same so the opponent was shooting, the the ball, in from the three pointer, where I actually, just jump, and got the rebound and actually uh


passed it to my teammate so everything was like left with like a few seconds only, so my teammate actually like kind of like we call it thundered, so means he threw the ball from another, court to the other court which that, ball that he threw actually got in so


I guess that you can actually call it as my proudest moment of my life cause I feel that I actually break through, my injury and, not and thought of like my teammates and also, it's kind of like achievement and I feel really, proud of myself like trying to cope with the pain and also reacting fast enough even though I was in pain so after which the tournament my coach was actually very very happy with our performance and my performance so he actually brought us to eat mcdonald's so I feel that


that was actually the best meal, in my life cause if you know it felt like felt very simple very warm and felt very genuine from my coach who have he actually told me that this is a meal to


appreciate like let your, how would I phrase it like uh, to let us know that we did, like, hard work put in a lot of hard work and there's some you reap what you sow so, it was actually one of the meal in my life where it wasn't just a meal and it was


like a lesson, from the coach as well which I, carry on, in my heart from that day onwards lah so I would always put in a lot of hard work and working smart in whatever I do so what do you think what's your proudest moment in life


(ppc)


okay for me I don't actually have any insurance products mainly because my parents don't see the need to buy anything for me


and also because they actually had like a negative experience with like insurance agents so they don't really like, trust them and they they are kind of like sceptical with buying insurance products lah, but, I think for me like cause I've heard stories of


people benefiting from buying insurance like whenever they are sick or like savings account that they can finance for their, university education so I think it's like quite good and next time when I actually start working and earning my own salary then I'll actually buy like insurance for myself


yup


yup, I think for me like , if I have a child in the future I'll definitely like buy a savings insurance because for me right now like I'm actually on a bank loan for my university education but then I heard from one of my friend like when she was born her mum actually signed her up for this savings account


so by time when she reached like around our age like nineteen twenty she actually have like money inside the account to finance for her uni education so I thought, was like quite good ya ya


yeah


I think maybe like health insurance because based on like my personal experience lah like my mum she actually, used to have cancer but then the insurance that she bought when she was like young didn't actually cover for her hospital bills or anything it's like more of a life insurance whereby like after she pass away then the money will actually go to me and my sister


so she like she and my dad actually had to finance for all like the surgery bill all by herself so yup I think I'll definitely get a health insurance so like next time whenever like I fall sick at least like can help me cover like my hospital bills ya


uh


I think for like the third question, I don't own any insurance now so I don't, really know but, based on what I feel like I think insurance is something very complicated cause there's so many different kinds like there's like the life one then there's a health


one, then like what you say there's a travel one so like sometimes even if you buy a certain insurance, like it might not cover you for what you need in the future ya like let's say like my mum's example whereby she bought a life insurance but it doesn't actually help to pay for like her hospital bills so I think it's a bit complicated ah and you need to like read properly and ask for help


properly before purchasing if not like if you end up buying the wrong one and you pay like so much money but in the end it doesn't help you it's quite wasted, ya


err mine is just mostly like those roadshows kind where they actually try to pull you to their table and have a talk with you and to be honest sometimes I'm actually not very comfortable with that because like I mean after all I'm still a student


but I don't see a point in buying insurance now when I can't even pay for it myself, but they're still like quite insistent even after I tell them that they just want to talk to me and maybe like can contact me so in the future when I get out to work maybe they can contact me again and talk about insurance yep so I just feel like they are quite pushy at times but


I, I can understand where you come from lah because after all that's their job and I mean like what I said just now, eventually I'm going to buy insurance for myself when I start working so no harm trying to listen to them yup


that's nice, I know most of, the insurance agents I've met was just, like rather pushy [orh] ya


, not really cause I don't think it's a topic that teenagers talk, to about ya but


just like what I said just now the friend who shared with me about her mother buying her like a savings insurance to pay for her uni fees and just her and my parents also but my parents they actually had a very negative experience ah


like , like what I said just now because my mom actually thought that she would be buying some health insurance but in the end it became like it was actually a life insurance and it didn't help, to pay for like any of her hospital bills so after that incident she was actually like quite upset and angry in a sense that she don't really trust like the insurance industry anymore ya


, I think like one advice one financial advise that I'll give to myself ten years ago, maybe it's just to really save up more


because , ya I mean I'm on a bank loan now so I definitely need to pay all my university fees in the future ya


same for me also like I don't really have, a, big habit of saving because just like what you said I don't have a monthly income, so it's quite hard for me to actually save like let's say a certain amount every month but what I do is like I try to like I downloaded an app that shows that help me track like all my finances like every month how much do I pay for my food how much do I pay for like for my clothes example


so I'll just at the end of the month I'll try to see if like, did I overspend on a certain category if yes then I'll try to like cut less on this certain category next month that's what I do lah, for now


I think for me like what you say as a student now I think all I can do is just to study, harder , and so that if, and go for more internships to pull up like my resume so in the future maybe like my resume will be more attractive to my employers and maybe this can like help


me get a higher starting pay yup and, also like try my best to save up so like I don't overspend like my money


stuff like that yup


, I think personally like I'm a very calm person so I don't get, angry like very angry easily more of like annoyed but usually when I get annoyed or irritated it's just like after a while like I'll get over it


, but I think recently something that made me very angry was actually there was a news about I can't remember the exact number I think was, about six husbands drugging their wives so that they could rape each other I don't know if you have heard the news yup but I saw it recently on like twitter from mothership and I'm actually quite angry because


like how could you do that to your own wife and like I mean, like to me is marriage is something very important ah so I thought if you actually you are willing to marry someone you should love that person a lot but


to actually drug your own wife and let not just one but multiple men rape her, it's just it just makes me feel very disgusted lah when I just saw the news it's just how can you be like, so corrupt till the extent that you do this to your own wife you do this to your own family member and it's not just one rapist but multiple men raping her yup so I was just


very angry and disgusted when I first read the news but like at the same time I also tend to like get scared because, after all I'm also a woman and you never know maybe one day I'll end up like in a similar situation and I just thought it was something very scary ah like you never know what's going to happen to you in the future


like one day I can become like someone like a victim as I always see in the news yup so, I think there was like a lot of emotions that I felt when I was reading it like more than just anger and disgust uh something like


more of fear like I'm worried for my future and what if I actually meet the wrong people not just men but like friends or like, anyone around me that would hurt me lah and not like not just about that but maybe like in the future let's say like if I had like some terminal illness or stuff like that


so it just really made me thought like oh life is really like short and you never know what's going to happen, yep


I think for me like, obviously sometimes I'm afraid like whatever I do or whatever I say might actually hurt others if I'm not like careful enough


but I think that's when like communication is very important like if you are just, not comfortable with whatever like the other party is saying I think you should voice out, because like I actually had this friend where


we used to joke maybe last time we were in secondary school so we were kind of like young and childish so we always joke around with each other like the things that she do or the jokes that she say to me I'll like say back to her and I thought it's fine because since she's joking with me so she should be able to tolerate it ya


but actually afterwards I realised that she doesn't like it and she feels hurt by it so at first I was just kind of confused because, like, if you can do it to me why can't I do it to you so at first I guess I was like kind of annoyed like why does she has to be so sensitive


but later on like after I realise like more about her and like maybe her family background and stuff like that I kind of come to realise why she acted like that and I actually felt sorry for like a moment for being so insensitive yup


when I just feel like, if the same thing happens again, it will be resolved easily if she could just tell me that she was uncomfortable ya because I mean after all we were very close friends


I think recently like, maybe cause like of COVID nineteen there's like a lot of news whereby like recent graduates they can't find job easily and even like


one of my father's friend like he actually got a job that he secured last time when he interned with that company but because the company was trying to cut expenses because of, the virus so eventually he didn't get the job like even though they promised to take him on after he graduate so like these days I'm kind of like worried


about, our future like by the time we graduate like around twenty twenty three like what would the, industry be like if something similar would happen again and like if I will actually have trouble finding job yup so I think that's what I'm kind of worried these days because


I mean most child would want to graduate and like have a high paying job so that they can like shower their parents with love for all the, hard work that they've put in to raise us up so I'm just scared like I won't be able to give my parents a good life in the future


yup cause after all like I mean we still have our own lives to take care like like like next time when we get married and stuff like that I'm just worried that like I I won't find a good paying job and like I won't be able to meet my parents needs enough


I think the same for me also ya like right now as I grow older I become like more sensible in a sense I start to worry and like


I mean care for my parents more versus I think when I was younger I'll use to grumble a lot like why can't I get that iphone that my other friends have and I'll try to fight back with my parents asking for more yup


but I think, as I grow older now I try to understand where they come from and it's actually not easy to, make a living at the same time and trying to take care of like so many kids, yup


I think it's just like a growth process like a lot of kids would feel that way too like when they are young they tend to fight with their parents but as they grow older, they will learn how to care and love their parents more


, for me I talking about meals recently I actually baked with my mom and I was trying to make like a lotus it's you know a lotus biscuit ya try to make like a lotus biscuit flavoured cupcake and then according to a recipe that was like err icing


that I need to do that I need to put on top of cupcake, but, I don't actually have the piping bag so I actually made my own according to like youtube tutorials, but in the end I kind of messed it up so like the icing actually turned out quite bad and actually looks like shit like you know like humans' real poop


ya so I think like that was, a recent memory that I actually laughed a lot because the shape was really funny it's not what you expected to be ya and actually gave my neighbour who's living beside me and when she saw it also she also laughed


so I was just like quite embarrassed about myself, because it's the first time I've baked since like primary school and I mean I wasn't expecting much but like I didn't thought it will end up looking like that so it's quite funny yup


for me it's more of like not really because of my interests but it's more of like in the future when like I have my own house


like I need to learn how to cook like I can't just rely on my mum forever that's why I'm trying to like cook and bake now but, like, rather than feeling very happy it's more of like me being embarrassed because comparison between like , me and my mum and me and my sis is a very big difference so every time like after I cook a meal or like the end product of my cupcakes looks very bad but like I mean they won't scold me or like make fun of me or anything but I'll just feel like very embarrassed because I mean after all I am a twenty year old kid but


I'm still making a mess out of simple stuff yeah, !huh! ya


I think I'm the total (ppc) opposite like I hate waking up early because now like everything is online for our classes


so I finally have time to sleep like I just have to like wake up five minute before my lesson start, so I'm really like trying to catch up on my sleep ya so I hate it whenever I'm, ya I just hate it like whenever my mum tries to wake me up because it's like time for breakfast or time for lunch like I just want to sleep more ya so I think I'm just really enjoying my sleep right now


actually I used to love the mornings when I was younger but as I grew older like I prefer staying up at night because, I mean my parents always sleep very early so at night like it's more of a alone time for me when I have like a peace so like I can stay alone in my room without anybody like disturbing me or knocking on my door to like try to talk to me so it's in a sense kind of therapeutic because I have the night to do whatever I want


yup so I just try to catch up I'll just try to catch up, on like on whatever things that I want to do alone like for example like reading my bible and stuff like that ya


I think for me the only time right now like during this circuit breaker season, when I wake up early it's just to go for a jog because in the morning like the air is very fresh so I like to jog at that time like I don't sweat that easily because there's so much wind in the park


but, then again like every time by the time I finish jogging I have to walk back home then I'll pass by like the market area and it's very crowded because a lot of aunties and uncle they tend to go the market very early in the morning like around like seven plus so that's like the peak


period that like I'll meet I'll meet them after I come back from my job so, like there's so many people and it kind of get like frustrating again that's why I don't really like to wake up early I prefer having like my alone time at night, ya


thing talking about like having a run and like seeing nice scenery I remember when I was like I think in secondary school I was sec two like we're having CCA camp and on like the very last night we're actually like


having like a mini run or like hike around like marina barrage so we actually , I can't remember exactly where we walked but I remember the seniors were saying that it was Iike actually a eight KM walk and stuff like that and I just remember like myself being very tired but at the end of like the trail we will actually went to marina barrage and there was like


I think it was like a platform area whereby we can see like the night sky and it was like very beautiful and it's like very rewarding because I mean because, the jog and the run or the walk is very tiring so like at the end when I see something very beautiful the night skies kind of feels very therapeutic and very rewarding and like


I've never done something like that before because my parents are always like, a morning person so by the time there's at night I'm always at home so that's like one of my rare moments that I'm always out at night so it's a kind of like a different experience that I kind of enjoy it ya


and it's also nice because you are doing it with your friends like all the tough times because I was in the uniform group so they actually train us very hard during like that run whereby they didn't allow us to take a lot of breaks and, ya but so it was kind of tiring but then at the end it was quite nice to enjoy with all my friends yup


I think for me like recently because I'm always at home and my room's actually quite messy so I'm packing up like my room recently and I actually found like


a lanyard that I had back then when I was in secondary school like I said earlier I was from a uniform group so at that point of time there was like, a competition going on or rather a selection going on ah whereby within your batchmates only two can be selected to become


uh unit drill instructor which means only those top two among all your batchmates who are the best in drills can actually get that lanyard, and be called a UDI lah so at that point of time like my entire batch we all wanted we're all trying to fight for


the position because we really love the lanyard and I mean a title also but a lanyard also is something very beautiful that you wear on your uniform like, from afar like someone can tell that you are just different and the title itself is also something very like honourable ya so


I remember at that point of time like we were all trying to fight for it but I mean there was no hard feelings or anything we just enjoyed the process but to be honest I wasn't expecting , me like getting the position initially because all my batchmates they're all like very talented in terms of their drills and their commanding and stuff like that so


I mean I tried my best but I didn't had any expectations and even if like, I got it like I don't think like, err I think I'll probably make it only by a narrow margin or something like that but then eventually when they release the results to us I was selected and then I was actually the second place but the difference the points different between like the first place and me is like only a one point difference so at point of time I was very shocked


because that the person who came in first place she's always very she's always known for like being the best in drills like ever since she join the CCA when she was like sec one a lot of people like already acknowledge her for her commanding and stuff like that so


at that point of time when I first like got told of the result I was just very shocked but eventually I became very happy and I just felt very proud of myself lah like I didn't actually think that I'll make it , and I


it just feels like more than being like more than it being a burden or like a huge responsibility on my shoulders I just felt like, I finally achieved and accomplished what I've always wanted to do


and like all my hard work and everything actually finally paid off ya so actually at the point of time I was very happy ah it was actually like one of the very proudest moment that I had in my life ya I was I just felt like ya like I finally succeeded in life that kind of feeling ya


, ya for me err I do know that my parents actually signed me up for a health insurance and life insurance


but I am not too sure about the details yet because they actually settle most of the payment and everything and they don't really let us like the children know but I have been approached by, a few insurance agents and they do they do ask me like if I want to sign up but uh for now I don't think I'm ready


err, and similarly like hui wen I also feel like when I start to work and I start to handle my own finances then maybe I'll start to look into which kind of insurance I would like to go for ya


(oo) !wow! actually I'm quite similar in that sense that err


I personally feel that my parents didn't quite start out their marriage with like err they didn't thoughtfully plan for like, you know their children and everything so they only had like health and life insurance but, we don't have savings insurance so as I grow up I do feel quite worried because when I look around and whenever we talk about savings like


I know that many other people have their own savings and I'm sure these savings are from their parents ya so I do have that worry and definitely if I if I have a child I'll do the same ya


what about like any other types of insurance did you think about like would you consider


(hmm) for me I also agree that I think health insurance is very important although I do not have any for now but I will definitely, want to get health insurance soon another type of insurance that I think is very important is travel insurance


because when I go travelling err recently I went to batam it's not very far but still it was actually quite recent and since now the period is err about the COVID nineteen so


it was nice that I had insurance covered ya, err


, oh


!wah! I think I think that is very important because like whenever I hear about people err, taking insurance I always hear that, there's a lot of I think the thought process is quite detailed like you really have to think through err whatever investment you have or any savings you have


what's your situation like at home and how how is your work your income and everything so whenever I hear all these err stories about how people think through before they get any insurance, I think it's really important for me especially like as I grow up and if I do want to take up my own insurance to really look through and you know read up what I need to know before I embark myself on an insurance policy because


some of them may be short term like a travel insurance could be covering just at the the period of your travel but some of them like life insurance is really quite long, and, and I don't think people would want to break that policy so ya I think it's very important to know the details as well


, do you have any experience with err insurance agents


(hmm),


for me I also do receive like a few, err, uncomfortable requests to you know like sit down and like for the insurance agents to speak to me about what they have to offer but most of the time, , I'm not ready so I'll just decline politely but there was one time I met this uh one insurance agent it wasn't for me he wasn't going to meet me he was actually going to meet my friend uh


err, she wanted to talk about I think It was something like her finances to see what she would need in the future and they had a pretty good talk and I listened to the whole discussion and, he because he was actually trying to help based on what he know based on religion because he said like he's actually from a company that also caters to malay and muslims so he was actually really kind and gentle and although it


was err although he was promoting his err company and such it it wasn't uncomfortable and it will be nice if err more insurance agents were like that ya,


another time I was actually approached by another agent she didn't come to me personally she actually contacted me through a phone call , and err she got my number through another research err another research so she actually err knew me because I was in another research by my school and it was really nice because she actually had


err, offers that was specially customised for nursing err for students in my school so it was really nice to hear err that she was able to accommodate for us and she wanted to customise like the service towards us students


who do not have an income yet but we will have an income in the future ya, (mmhmm)


(uh huh) have you heard anyone share any experiences, about , err, getting insurance


(hmm)


, like I think I can, somewhat relate to that because , err whenever my, err, people who I know when I hear that they take up insurance


and if something happens to them it just seems that many people worry for for them in case their insurance actually covers what they're going through because sometimes they are not uh well versed with the policy or maybe they they didn't know this was covered and this wasn't covered so


it's quite worrying sometimes err, so for sure I've heard of people err, like from what I've heard people always advise to look thoroughly and when they for example even like hospitalisation you have to check before your insurance company can cover for you


and things like that ya I think it's really nice but on the flip side it's really nice that it covers you, at times when you know when you don't know that things will happen to you like accidents and such ya and that's for health insurance for sure ya


err I do know of one of my relatives she had a, a recent surgery it was actually quite a major surgery because it wasn't based on any err pre-existing condition of hers but it was because of a genetic condition that err actually


was it wasn't over time and, you know it was definitely , uh it became much much worse when she was older so she decided to do a surgery for it and it was completely covered by her insurance and when we heard about it we were so happy for her because err


actually her condition caused a lot of pain for her and she was wondering whether she wanted to do the surgery or not because it was , it was optional and you could actually err live with that pain for life but she decided to do the surgery because she was already covered and I think seeing that I was actually inspired I think


in the future I never know what will happen to me and it's really nice to know that I'm covered if anything happens ya


, savings in terms of saving for now because I don't have a stable income so I can't really save up monthly that kind but


, slowly but surely I believe I'm doing I'm doing some savings with my allowance and some part time err work that I do so from there that's actually how I save up, but at the same time I know that now cash flow because I'm a student and I will always need money to pay for a lot of things so for now I don't have a very solid savings plan


but, uh what I can do for myself is I control my spending habits so like uh, I control what I what I do with my allowance so that I know that I will always have enough for at least the next month and the next month so it continues on and on like that


ya ,


(oo) I can definitely relate to that because I mean as a student especially I feel like err


there's always so many things to pay for not just like err, our books or, our school materials it the list just goes on and on so if I don't if I don't plan out how I'm going to spend eventually the money just goes really fast and I don't even realise and it's gone so err for sure I think it's


I, have actually seen uh people around me receiving financial advice and I think it's really nice that they think through before they spend I like that thought process and I think I should definitely do that for myself also ya


err, something


uh for me what I can do for myself to improve my income level , I think as a student what I can do is definitely just save as much as I can now because I know that when I err


graduate and when I'm done with my studies I'll be a full-fledged adult and I'll start to earn an income that's one thing but, I will also have a lot of things that I have to pay for and there will be new responsibilities added on to my shoulders and I'm sure that


I do not want to be further worried with the fact that I do not have any savings like I am right now so I would want to start my own small saving allowance yeah


I also believe that as a student because we have a


limited spending power I don't believe in doing things or activities that aren't really beneficial for me right now, for now I try my best to spend my time studying or learning new skills especially because right now is the time


is the perfect time for it I think when I start to work in the future I'll be very busy and for sure I'm not I am I'm not sure if I can cope, with learning and , err, saving and working at the same time yeah


yes, err


actually just recently a few days ago I was actually in a bit of a slum because I err, as you guys might you know right now is actually #hari raya# season although it doesn't feel like it


I it's #hari raya# and we can't meet our family members or relatives because of the fact that right now we have to stay home, for the sake of the virus and so err it's really sad that I can't meet with my family members and there are many who


there are there are those people who I only meet once a year there are those from overseas that they always come down once a year to meet us but at the same time there are those who I meet every year or even more frequently than that and there are times where


err, conflict arises at this period of time because like my family doesn't meet uh one part one side of my family doesn't meet very often so as a child I don't I'm not very, close to my family , err, to this part of my family and when I recently spoke to them like on a call I I got to know about an incident from the past within our family history


with about something that I had no idea about as a child and when I got to know about it I was just so angry because , because definitely stories about conflicts within families they are they stem from something way way beyond what is happening right now and there are a lot of factors that come into play a lot of people that are affected and involved and uh for sure I'm a child as I grow up


I don't know what is going on with my family I do not know what conflicts are going on , but of course I can see where my eyes what you know the tension that I see within families and how they interact how they speak to each other and just a few days ago I found out why there was such tension and it made me so angry because err


the person who was involved in the conflict the main person who caused the conflict was actually someone very dear to me, and I tried my best to speak to that person to try to make the situation better but you know I am a grandchild in the family line I'm actually like the youngest


in terms of rank so there wasn't much I could do and there was just so many feelings that I felt I felt so guilty and angry and frustrated because I was the I was, I was low in rank but I felt like I had to do something for my family but there was really nothing I could do that I was just so frustrated so


like I was crying a lot but at the end of the day err I spoke to someone I spoke to someone who went through something similar and he told me that I should actually reflect on myself at times like this because we are out of control and we


we cannot do anything when it is not err I'm not the one, who caused the conflict so at times like this I just reflect on myself and I try my best to be someone better although I can't change the situation how about you did you go through anything similar


speaking about relationships like friendships or even marriage err on that spectrum it


makes me think about like how people regard each other and for me I also, err I treasure like the way people are genuine and it makes you think like if someone can be err


that bad or if they do certain things behind your back that you don't know about and how real are they when they are with you and what hurts me the most is when people are, speaking very kindly to you or say good things about you they're very nice to you in front of you and when they're behind you they


just there so many things that you can't think about and it just , I mean it's beyond me how can you how can you be so , two-sided but I know that err I know that every human there are many sides to a single human you know and like


we we have to treat err different people differently and the way we regard different people is different but at the same time, I think it's important that we be real to not just other people but also to ourselves like how how can you speak so


kindly and then be so flippant and then err become so angry or become so different from who you portray yourself to be err for example when when you're with someone else you know just, I think it maybe not maybe it doesn't effect the person but it


could really affect their surroundings and and the people who who spend the most time with them will definitely be , verily affected because I have seen many instances especially in marriage and err even friendships like when you are not genuine with one another like conflicts will just come after each other and


err things will just pile up you know err one party feels frustrated and vents out to another person and you never actually speak about what you're frustrated about and err, that that story could actually be you know a short and simple story but it goes on and on for years and and the conflict just doesn't it doesn't both parties doesn't get any closure and I think in that sense it hurts people


and not just you know one or two people it hurts a lot of people through the process and I really don't like that happening that's why I also am very careful when I speak to others but at the same time when I speak uh incorrectly or uh I speak uh


or when I'm insensitive with my remarks I always reflect back and I do regret a lot ya, err


ya speaking about uh insensitive comments like or remarks like err as I as a child, like I used to you know just speak whatever I wanted and my my family they did advise me but I think as a child I was just very nonchalant and I didn't I didn't err


take it well like I I just you know I heard what they say and then it goes out the other ear and but when I grew up and I started to speak, to more people and it could be people of like you know positions or like people in my family who are who are respectable or even uh the elderly


and when I speak to them sometimes when I don't think and I just speak err, it it happens that I, accidentally share more information that I would want to share and when I told err


Iike when I told my family about it they were very angry about it and and, I realise that oh I shouldn't have done that and I should have thought before I spoke and , err what will happen if I just you know took a second to think before I said this or said that and I think it makes a big difference that people whatever people advise err me


I think it's important that like you know I definitely think about my actions and you know try to change because I don't want these mistakes to continue, err, uh as I you know as I continue in life and when I see how words can really hurt people and even like how people get separated or uh how people lose


friendships and their relationships over simple words and it makes me really wonder and think that words are really strong and I should really be more careful with it, ya and, it's important for me to


you know think about what the other person feels also before I speak ya


, speaking about worries about the future makes me think as well because err, I I do not aim for like a high paying job or I do not have


like a very high dream to achieve I just want to be a normal person who who is happy when I work you know with what I do in my life but I know that when I grow older err my parents won't grow younger and


err it actually makes me really sad, and worried because, I know that err, , I may not be able to take care of them the way they take care of me when I was younger but the least I could do is support them financially financially


and I really hope that I can do that, at the same time I also hope to you know send them to places like you know bring them travelling err let them you know relax after all the years that they've work and raised like


all the children now I think , it's really time for them to rest, but at the same time I have seen, err many or a few elderly in my life who have not be able been able to rest even until like


they were sick or until the very last few moments of their life because of the fact that they do not have savings or their children, do not err, they are not able to depend on their children financially and makes me makes me think about am I


uh will my parents be be take well taken care of in the future like I cannot guarantee that because I mean we're still in the present and although, I care for my parents at the same time when I look at other parents and other elderly out there there are so many people out there who are neglected and it makes me so sad whenever I hear their stories and I really think children should really remember their


parents when they grow up doesn't matter like with what kind of position you have at work how much money you have you know your parents brought you up and we should always remember that but ya it makes me really angry when I hear stories of people you know just leaving their parents or


or forgetting them you know just, you know when they marry off and then they live in their own house with their children then they forget their parents but know at the end of the day like how we grew up our experiences in life it it it really matters how our childhood was like


and that's why I really treasure my parents a lot and I really hope that I can fulfil my hopes to, err, you know and my own goals to support them in the future as much as I can, uh


I think sorry I think our parents will feel the same way like , err, I think they also would want to do the same for their own parents but sometimes you know life doesn't go the way they want and sometimes like you know there's a lot of debt so they can't do what they want so it's just really difficult sometimes you know


I clap after I press record right, uh okay then


err, actually recently recently my brother cooked up a feast for my family so, there he's like err, he was actually learning how to cook indian food and it was actually the first time I've


tasted such good indian food and it was so delicious that I was telling him like, , this is the best indian food I've eaten my life ya so that's actually one of like the one of the best meals I've had


recently that I can remember of it was like a whole feast with like, err, biryani rice and like chicken tandoori and it was like super good because uh everything was handmade and


, it actually took the whole day to prepare the meal but it was super good and uh like I don't I wouldn't mind eating that every day,


oh my gosh


I think uh, for baking like I also recently just tried to bake for the first time like I've I've never baked before and like I'm always err very jealous when I see other people bake like really delicious like cupcakes or cookies or just cakes in particular cause I really love eating cake


and so recently I tried to make like cookies and muffins and it doesn't turn out the way it's supposed to turn out because of I don't know because I don't have, every all the tools that are needed to bake but well the nice thing is that when it comes out even though it turns out like it turns out fine it taste it tastes good and all but it just doesn't look aesthetically


good but my family just supports me and they're like this is really good like I love it but I know it's like it just looks like one lump of cake , it's supposed to look like a muffin but ya so, but I'm just really happy that I I did cooking this time now that I'm at home and I have more free time it's really nice you know to just sit down and it's quite therapeutic actually to just like


you know mix the batter so I was really happy to do something that I've always wanted to do which is bake something ya


, , I but I think it's normal like especially like if you're not used to it like even for me like I was trying I was trying to do this err bread like this


ah what's that I tried to do this dough and I had to knead the dough and it was so, tiring for me because it was my first time and my mother was scolding me because like she was like you have to do it longer but it was still it was really fun I think I think first


time for everything is really it's really fun and I think everyone should try it , although it's difficult personally to me it's it's still fun and enjoyable I guess, err, other than that like recently because I've been at home for quite some time like I do try to set up a like a


day like a morning or a daily routine that I really like like know get up in the morning and I mean make breakfast and sit down and drink coffee and and like, err reading a book I think that's I love I love starting up my day like that especially because I don't have school now so it's it's such a perfect start


to the morning makes me feel calm and relaxed and I just I love being relaxed at the start of my day ya


(oo), so how would your sorry


so what's your kind of like perfect day


(hmm)


told me yes


err, ah for me it's actually the opposite because ah, ah, in in the past I really like night time because it's much much quieter at least at home when everyone is like err you know getting ready for bed and they're preparing their


err for the day be err for the day after and they're just you know like packing their bag for school I think it's it's like very calming at night, but now that uh, now that, I try to start my day early and I start to realise that the morning is really it's really nice to I mean to wake up in the morning sometimes because like when I start my day early and I get things done and I think it's really nice and after everything is done I feel really good and I I feel better


that like I've done a lot of things and I feel productive, it it just makes me happier but of course I do still treasure night time because, err, I do feel more relaxed at night because there aren't many things going on as compared to in the day


when the morning rush and things are back to back yeah


, (hmm) err actually talking about going for a jog it's been a long time for me


that I haven't been I haven't went for morning jog in a long time because like right now I feel like I feel the need to stay home so like I'll do like workouts at home but I do remember the last time I went out for a morning jog I went to this err I went to a park


and I went there with my sister and we we tried to go there early because we wanted to see like the sunrise we didn't catch the sunrise though but, it was super what's the word it was like I love the feeling after you run and then you see like the view of the park and because there was actually like a


it was a reservoir actually so like I could see like the water and the trees and we were at err we ran up until like the highest err point of the like the park there was like a highest point , and that it was like a hill and when we looked down it was just such an amazing feeling cause I really love scenery and


and seeing that in the morning you know with the morning sun and you like perspiring after you run and then just taking a deep breath in the morning and like seeing the scenery I think, such a such a good feeling and Iike for sure if I have a chance I want to go again it's just that I haven't been very consistent with my exercise routine so I haven't went in


a long time !wow! now that I think about it I want to go again yeah


oh err that also reminds me of , err I also had, only one experience with like err overnight cycling and I also did it like, one or two years ago and it was the first time I was outside the whole night like just cycling outside and not being in the indoors you know and I think although it's like it's very tiring like you know any other physical activity that you do for hours is very tiring but


it was so rewarding because at that time it was actually quite difficult for me because I was having a lot of exams and there were a lot of, err things that I was worried about and I felt burdened by a lot of things at that at that point of time


so when we when we went for overnight cycling and we went to the city we saw the nights err, the night's uh the night view and when we came back home through the same path and just like, cycling uphill and downhill and you know you feel the wind and


ah I remember it was it feels like, I was relieving all the worries that I had in my heart like it was like slowly I was like letting it, go and I by the end of the, whole by the end of the whole thing I was just like I just smiling and laughing a lot and


err by the time we came home we all were so tired and our butts hurt and our and our feet hurt but it was so rewarding and and if, I could speak to myself in the past I would definitely say like you know just let it go don't hold back and just just have fun while you have the time you know I think it's like you can't get that time again


so it's a one time chance for you to just have fun yeah, (uh huh)


, I I also had a similar experience but not


it's not a very big err achievement it was a big achievement to me but definitely not for others because there were there will always be other people who are doing better than, you you know but at that time I really had no expectations for myself and it was actually for an exam that I had


uh like two years ago it because I really had no expectations for myself when when I received the results and , I did better than I thought I was like so happy that I cried and like my family members were with me then and like we were just jumping for joy and then I was telling them like


I did it and I'll I remember everyone around us like say err they were looking at us really weirdly because I'm pretty sure everyone else did better than me but I was still really happy because at least, I achieved what I wanted to achieve and you know I did the best that I could and it doesn't matter if it's as good as what other people can do but at least you know it made me really happy that I could do I want to do err


ya so I think expectations really matter when you're hoping for something you know like whether it be a position or an award or, err your results it's still it means a lot to someone especially when you have low expectations for it so I always tell myself don't have expectations so you'll be shocked whenever you get good results from anything


so but at the same time you know always ya I always feel that it's nice to get something, without knowing or like without expecting it coming ya


uh so I have a savings account, a debit card as well as paylah and paynow account set up, and I think that it is important to have a savings account especially if you have started working be it a part-time or full-time job so that you can have a platform to receive payments from your employers with ease


uh what about you


oh I think at a quite a young age my mum actually created my savings account for me to help me to start saving up for the future, so that I have somewhat uh so that I have somewhere to credit my red packet money as well as bursary awards and other


uh cash that my relatives have given me, yeah what about your savings account when did you start using it


oh uh I think same as you I also use the uh, an app for me I use the POSB back to track uh POSB app to track my savings and expenditure so that I always try to ensure that my savings are always increasing so that I do not use uh more than I receive


as, yeah well as for my debit card I only started having one when I took up a contract job and started earning a steady flow of income, and I use the I use it to make withdrawals to fund my daily expenses


and other than withdrawing money and making payments my debit card also doubles up as my ezlink card and I think it's very convenient as I only have to bring out one card is instead of having two cards which is like my bank card as well as my ezlink card


I think for now I do I don't even use my ezlink card anymore I just bring out my bank card and use it for transportation instead, uh what about you


I think I agree with you, but however for my paylah and paynow accounts I actually started using it quite late I think I only started using it about one year ago when I started university, because on campus a lot of payments and transactions are made through paylah and paynow and it makes it very uh convenient


as everything can be done via paylah paynow and I do not even have to bring out my debit card or even cash anymore so sometimes I don't even bring out my wallet especially during my stays in hall usually we would when we go out for lunch or dinner I would just bring out my phone


and all of my friends also don't bring out their wallets we just bring out our phone and head down to the canteen and we won't even feel like we have to bring a bag because we only bring out our phones and we do not have to keep it in our, we do not we can just keep in our pocket and not in our phones and ya this makes life even more convenient


so you can just make payments with your mobile phones instead, ya what what about you your what


okay uh I actually wasn't really inclined to use paylah paynow as well as the POSB app cause I thought it was quite a hassle at first, however after started uni uh my university education and seeing everyone around me using these apps and they have been telling me that it's very convenient so I kind of was peer pressured into downloading the app and I think during my hall stay in university


a lot of my friends actually would, like when they pay for the when they pay for my meals at the start then they would ask me to repay them back through the app, using paylah or paynow instead of cash and usually I would offer cash because at the start I did not have a paylah or paynow account


but they actually uh requested for me to pay them back using the app so I started to download the app and use and started to use it more often and then I realised how convenient it is and it's actually quite life-changing , ya what about you


oh I think you mentioned the multiplier account just now actually I haven't heard of that before what what is that supposed to be ah


oh uh how do I activate the account can I do it through the app or must I go down to the bank and activate


oh I didn't know of such functions in the app I've just been using it to track my income as well as like my out and as well as my spendings, so I didn't know that you could actually use it to uh create such accounts as well, ya


uh actually I I've heard of Apple Pay cause I had a friend that use Apple Pay to just uh pay for her, transportation fees and I think it's quite cool but I think uh usually I already bring out my debit card so I actually never bothered to set up the Apple Pay


but I think maybe in the near future , it's something quite interesting and, I should probably activate it soon , but uh what about you do you have uh Samsung Pay or Apple Pay


ya I think I personally also use debit cards quite often but I think uh one thing that I have done quite, uh, less frequent in the recent years is going to the ATM to withdraw money cause everywhere is going cashless nowadays I think I only withdrew I think the last time I withdrew money was a few months ago to buy something at the coffee shop where they do not accept uh debit cards yet


however I think that in the and I think that in the near future that the this current banking products would still be relevant however cause the older generation are still using this, older products such as cheques as well as going to withdraw their cash from the ATMs as they are actually more familiar and comfortable with these methods and they


uh may not want to switch to E-payments as they are not very familiar with the technology and they are not very tech-savvy uh what do you think about that


I think I I agree with you largely but then however like I think I still have quite a traditional mindset cause I think, uh I remember that time when I was trying to apply for my debit card, I didn't know you can do it online or through the app then I actually went down to the bank to apply for the physical card which is quite a waste of time


cause the nearest bank is not is not like just a stone's throw away from my house so when I went down to apply for the debit card the person actually told me that I can do it online instead then I was quite shocked actually, ya


yeah but I think like in a VUCA world I think where things are ever-evolving and technology is advancing rapidly so I think that these products eventually may become obsolete as people would start to like adopt more convenient methods such as E-payments


then I think the government are also trying to educate the elderly on more, uh technology as well as like E-products so I I think maybe they will eventually learn how to uh be more familiar and use these methods however I think however I think that in the near future that this uh physical banking products would still be relevant lah


ya I think also for especially for ATMs you can uh transfer funds, through the ATM to other people so I think that in the event that the app is faulty or there's a internal breakdown maybe we can also rely on this physical banking products as a a fail-safe lah in the event that these are not working


hello


okay


yeah I think the most important thing is the convenience that these online banking products bring I think especially cause you can track your spendings as well as income through the app you don't have to go down to the to the machine to update your bank book


which is quite troublesome because not everyone has a ATM machine that is within the vicinity of your uh area of residence, ya


ya but I think currently like uh as mentioned just now the elderly maybe some of them prefer the more tactile feel and having something physical cause you are able to see it like at on the spot you don't have to log in to an account to, check the your transactions


but I do agree that online trackings are much more convenient cause you don't have to , you don't have to spend maybe, you can uh immediately track your transactions instead of, having to go down to an, physical uh


location to track your savings as well


so I guess I can start with something that makes me stressed I think one of the most memorable stressful periods of my life was, during A level period


I think throughout the two years I procrastinated and was not very consistent in those two years of my JC so by the time when it came to A levels the the study break period I had a lot to catch up on, and, it was especially stress in the few days leading up to A levels so actually my uh family asked me to go on a day trip with them to JB a few days before so I thought that it would help me to relax and recharge and


I'm not saying that it didn't like it did but uh on the way back to Singapore I think like it was, kind of a, back to reality kind of situation then I suddenly remembered of all the things that I had to catch up on and that a few days later I had a major exam going on


then I think the stress came rushing back in, so ya it was quite a, like a brought back to harsh reality kind of situation cause I still had a lot of untouched content to study for, then I felt very anxious


so like, I remember on the way back around when we reached like Singapore customs I had like a mini internal panic attack at the back of the car, ya but thankfully my cousin was there to comfort me so do you have any like, stressful exam experiences


yeah I think I think like exam stress is, quite a, tough period for tough thing for students but I think the addition of uh other commitments maybe from CCAs is actually like helps to worsen the problem which is


not what we want but we still have to do it cause like CCA commitment uh CCAs are quite a, compulsory thing and everyone just goes for it so I remember there was this time where cause I was from drama club so I remember for one of my productions I was the production manager so I had to like take note of everything that is going on backstage and plan for all the backstage things


and ensure that everything is running smoothly and that we are on task, so I think it was very stressful to try and finish the various things by their deadlines especially when you have to study for exams, so I think this added commitment makes studying for exams even worse and I think cause of that I procrastinated a lot throughout the two years so by the time when it come to A levels period the I I kind of suffered a lot during the study break cause I had to cram in two years worth of content


in like that few weeks, ya do you do you procrastinate or, !choy! ah


I think during like all the quizzes and the, like pre-finals kind of exams I actually didn't really pay much attention to it cause I prioritise my CCA and going out with friends so I actually did quite badly for all of it I think throughout my two years all the school exams were


I think I I I never got a A or B before so it was quite bad, ya and but then my, through the lead up to A levels it was very stressful cause I knew that I was consistently bad and I didn't want to


uh have my A levels be, uh have my A levels results be the same as my, quizzes all those so I really had to, push myself to study hard and I think it was very stressful cause I was cramping two years worth of content cause I never understood what was going on in class I would just


be sleeping sometimes cause, I would spend, my all a lot of my time on CCAs and especially staying up late, for CCA commitments and stuff, ya, so I think the external commitments makes studying even more of a hassle and sometimes I just do not bother with it what do you think


I think most of my work experiences is still quite okay I think most of my stress comes from studying I think I think one of my other stressful periods was, during university in year one semester one, I think cause I took this coding module


and it was very new and I had no prior knowledge to coding, and I did not, like I have never ever code anything before in my entire life so it was quite stressful to learn something new and especially being a it was quite hard to familiarise myself with the language especially since the lecturer was


going at quite a very fast pace and, after like learning the language I think it was okay but then because our results were based on bell curve and I was and a lot of people from these modules are from the computing faculty so it was very competitive and I knew of a lot of the guys that are in this


that are taking the same module who actually had prior knowledge to coding and they actually have spend their, time in NS which is like they had, they they spend their time in NS learning how to code and, so basically they had an a sort of an advantage over us


girls so I think it's quite, uh, disheartening to know that you are pit against such people that already have prior knowledge whereas you are someone who's very new and have only learn the subject for maybe about three months and then you have to take the exams whereas they had


a year and a half maybe before the three months, uh so they kind of have, more of an advantage over us, yeah what do you think about the coding subjects


ya so, I think like being able to see the leader boards and cause we are able to see which levels they're at and knowing that we're very far away from them is very disheartening and makes you feel very anxious cause I think especially since we are already struggling to finish the missions that are assigned to us


and seeing that those people have already completed their missions and are doing the, additional side projects that we do not have to do so I think doing those uh help them to level up really fast and


they are able to reach the required uh level whereas we are maybe just halfway through is quite scary, cause, yeah it's just it's just very competitive overall, ya what what do you think, do you feel like anxious also


I think studying in like a post COVID world may also be quite scary cause , although like the COVID situation is getting better I think most of our classes are still being held online and it makes you feel a bit


worried or anxious that maybe you won't be able to learn as well without being in a physical classroom although it's more convenient but you may be afraid that there are some things that can't be conveyed online you have to do it face to face, so I think that's one thing that is quite worrying do you do you think that is a good thing or bad thing


yeah I think especially cause like the economy is quite hard hit now so I'm afraid that it may not recover in time when we graduate so we may not be able to find jobs as easy also, ya cause I think a lot of companies are also


trying to cut down on their manpower so they may not be uh they may not want to they may not be as willing to hire new employees so even maybe a few years down the road I'm not very sure if the economy will be able to recover in time


which is when we will graduate and it's quite uh stressful, cause I think, we study the reason for our studies and be and doing well is so that we can find a good job so, being uncertain and having the chances of finding a good job lowered significantly is quite


uh dampening on our spirits as well, yeah


ya I think what's also scary is that we are not able to do, anything impactful about it cause it's a relatively new virus and no one is familiar with the situation so even for all the vaccines they are still trying to uh come up with it and


I think as individuals we can't really have a huge impact on the situation as well so what we can do is maybe just, (um), try to do our best in


so I think I'm very thankful for technology first of all, so apart from having technology to make our life easier through uh banking services I think that currently now during the circuit breaker although we are not allowed to go out and meet our friends we are still able to keep


in contact with them via social media such as instagram whatsapp, and also video call them to skype and zoom and even play uh multiplayer online games with them, which uh helps to occupy my time


and I can relax at home and binge watch my favourite dramas and netflix series in this period of time, yeah what about you


ya I also agree with you that this uh self-isolation thing cannot go on for too long so I think it's very uplifting whenever I receive a text, or notification from a friend through my phone then we would go on to have more


in that chat, yeah so I'm thankful to technology for that uh cause I think in the past, during SARS maybe when technology isn't advanced it was still like two thousand and three then people, uh I was still a toddler back then but I think people could still


could, could not communicate as much maybe cause there wasn't like more advanced video calls stuff, so I think that we can do that now so we should be very thankful for that but I think I'm also quite thankful for this


self-isolation period cause it had it has allowed me some time to think about my life and decide what I want to do and I've recently signed up for a shopee code league, so I think it helps to uplift my mood to know that I have something to look forward to and I have signed up for quite a few courses


through this uh event and I think that it's quite, it's quite good to have something to look forward to instead of not doing anything at home all the time what what do you think


yeah I think uh amidst this pandemic there's also a lot of good things that have come out of it like I think many of us have picked up new skills along the way such as baking and I think simple cooking as well as making things such as the dalgona coffee


I think that one is quite popular and a lot of people have been picking up such as skill, so I I think you also have tried the dalgona coffee right how was your experience


I think during this time I was able to finish watching quite a few dramas, cause I had a lot of uninterrupted time uh and a lot of free time where I have nothing much to do so, I think I finished about three dramas and, uh the the very long the vampire diaries netflix series like finally I finish watching it ya oh and and for the dalgona coffee I didn't have a whisk as well so I also used a fork to whisk my coffee I think the first time I


failed cause I used the wrong instant mix but then the second time I finally did it and it was very fulfilling and I could take a very instagram-worthy pictures which was quite nice


ya actually I agree with you that we can do everything at the comfort of our own home now, uh apart from like watching movies I think those who are working also, uh uh I I'm hoping they are quite happy about it cause they do not have to spend maybe uh one hour to travel to their office


and I think you don't even have to change out of your pyjamas you can continue wearing your comfortable clothings and stay at home and do your work, ya so I think it's quite a good thing that we are actually able to work from home , yeah I think even for us that time when we were studying from home


cause personally my school is about one and a half hours away so if I have to travel it's three hours in total so I'm very thankful that a lot of the tutorials and lectures have been converted online, so we don't have to wake up get ready and go to school


so we can just wake up maybe around half an hour before the class starts, ya, ya what what do you think


yeah I think I'm also very lucky in a sense that I do not have siblings, so whenever I'm studying or working from home I do not have , additional noises so I can just relax and focus on my work, ya so I think apart from this period I think another time when I felt very lucky was during my twenty nineteen birthday celebration so it was thanks to my friends cause it felt like it was


surprises after surprises so I think at first I had a group of friends to come over to my hall cause I used to stay in university uh used to stay on campus when I was studying at university in year one, so they came over to my hall to surprise me without my knowledge and I think what was so shocking is that we were supposed to meet the next day however they came


to meet me one day earlier so I was shocked but mostly happy to see them cause, after that like a few days later another friend of mine also came down to my house, to surprise me with a birthday cake as well so I was very touched cause she stayed very far away from me


and I think the travel time was definitely more than one hour and she took the effort to, find out my address and came down to my house to surprise me so I was very shooked uh very shocked, but ya and, I think seeing that your friends are


able to put in the time and effort to make you happy makes me feel very blessed and lucky to have such friends, ya what about you what's your most memorable like birthday experience


yeah I I think I agree with you that the physical time uh physical interaction and time spent with your family and loved ones are very heartening cause I think it's, in this uh current day and age where everything is very fast-paced uh you don't get to spend a lot of time with maybe your family cause maybe they are a lot of them are working so being able to sit down and have a nice meal with them is actually very it's a very enjoyable thing


yeah and and I think we should feel lucky about that, and another thing that I am thankful for is a handmade board that was given to me by one of my friends cause, it showed the time and effort that they are willing to put into the


a birthday present, I think from looking at the decorations as well as the pictures kind of reminds me of all the happy moments that we had together so I actually placed the board, at uh directly in front of my bed so that I'm able to see it every time


when I wake up actually I when I wake up I am able to look at the board directly at it actually it's filled with a lot of funny pictures so I'm able to laugh every time I look at it as well as the decorations and there's a lot of inside jokes and notes on it as well and I think looking at it I am able to appreciate the


effort that my friends have put into the present to make me happy so ya I think uh handmade gifts are one of the, uh one of the best gifts to receive I think uh in my opinion ya what about you


yeah I think the people around me such as my family and friends are also one of the greatest uh factors that contribute to me wanting to persevere and I think especially during during our tough times I think for students maybe it is uh major exams


such as A levels and maybe finals I think during those trying periods your families and friends are the ones that will motivate you and encourage you to do better, so I think I remember there was this one friend that, uh would send very long text messages to me before each of my papers so it's very motivating because every time I look at the messages I would want to strive harder


to achieve my goals and be able to score well for the exams, ya so , I think seeing the messages makes me want to, do better for my friend, uh not just my friend but also for my family but I think those small little actions such as sending a nice text and or encouraging messages actually


helps to uplift my mood and I think most people feel the same way as well what do you think


ya I think I agree with you that food also it plays a very important part so I think I remember like during my JC days, I was in a group I was uh friends with a group of girls who are from girls' school and I think they mentioned that it's their girls' school culture to bake for people before the start of each major exam


so I think that is quite cute and, coming from a mixed school I have never experienced that before so they would bake like cookies or brownies for the whole class actually before the paper to uplift their to uplift everyone's mood and encourage everyone to work harder so I think that is very nice of them do you have anyone that like bakes


for the class or something like that


ya I think (um) you don't have to bake but maybe just a small note to your friends would help to uplift their moods and encourage them


oh for me I also use a savings account debit cards and like mobile applications such as POSB digibank to keep track of my spending I think cause both of us we are like we have work part-time before before after our break during A levels and then now we are in uni so these applications are actually very useful for us


so actually why did you start using this type of products