ya then maybe adding onto that like , it might not be with in relation to the ability that like you know you are proud of having like but maybe like uh is there a reward I guess that you receive like when you did a a good deed lah or you perceive it as like something that you did good ya


ya I think, it's for me like I think uh, it how to say a good deed, I guess like it depends on what you consider it as a good deed like I think some people consider like helping a friend not a good deed it's just like as act of kindness and like you know like I'm friends with this person and


like, I'm doing I mean I'm because I'm this person's friend so like I should help that person out lah and I think like for me maybe like one instance I'm not sure if like I can define this as good deed but I mean one instance is that reaching out to like , I'm doing I mean I'm because I'm this person's friend so like I should help that person out lah and I think like for me maybe like one instance I'm not sure if like I can define this as good deed but I mean one instance is that reaching out to like


my classmates I think sometimes like when there's cliques in the class right uh there are people who are left out and I think , when we are so busy about everyday life we kind of forget that there are some there are these individuals in the picture as well and I think like just checking up on them


like occasionally actually like I feel like actually for me like I guess the reward for myself is that I feel relief that I have checked in with them ya like because sometimes I feel a bit like, what I call it like


not scared but like, a bit weird I guess like when I don't check up on like these individuals because I know that you know maybe they need like some help or like they need somebody to talk to, and I think the reward will be that I I know like in my heart that I have reach out to this person and I have offered my help lah and you know whether or not the person wants to take it or not


it it is a different thing ya


blush ah , I think, I'm not sure like whether like my definition of blush fits the definition of the blush that you are talking about but I think it's more of me like


I think I normally like blush when like the amount of effort that I took in sorry the the reaction that I get is more than the amount of effort I put in like means I didn't expect such a reaction in that sense uh I think for me like would


the uh when I went to overseas trip to vietnam I think like I went there with a intention of like learning as a individual myself as well and at the same time like you know teaching this like those children there like just small act activities and


like small gift lah and I think when I came back I was very touched and I think like the reaction I got from like the children over there was very overwhelming in a good sense that I realised that, like even though I did such a little action like they they really appreciate it lah that's when I think like I sort of like blushed a little bit ya


financial related topics uh okay so I guess I start first ya so like the first question is what's one financial advice that I will give myself five years ago right


so I think that currently right now like most of my concern is like like uh uni and, getting a driver's license so this kind of things like I mean maybe not the uni part but I guess the driving license would come from my own like uh finances


so if I were to give myself advice like five years ago I would tell myself to you know like plan for my future because, like because I because I didn't plan in the past so now I'm having like trouble like uh getting the funds to go for this type of courses ya


because like I don't want to ask my parents for the money because it's my own license ya so I think that's like one big part that I would, ya myself like plan and then accomplish what you want ya


ya like what you say just now like the like the year one year two thing in poly I think like that's really something that I didn't expect and like knowing from now, actually like there's a lot of other cheaper options to get my textbook from and not like the new copy which is actually very wasteful lah so I think like


maybe maybe five years ago I would tell myself to like become more resourceful like in finding the things that I need because it's not really necessary to get new things all the time lah ya


ya maybe like like since you are talking about gaining like money before working right, and like I mean like cause now uh we are studying like students then we don't have a lot of like free time to get this like extra income


so I feel like a lot of things like require on like different like miscellaneous like areas so like uh I mean I guess you can part time, but then like I feel like personally I wouldn't be able to like manage myself well enough and like my studies will suffer because I'm spending time working so I like try not to like part time


ya then ya but I think like recently I've actually like been selling my used stuff on like carousell which I feel like has been a like a sort of moderate


or like good place to earn like extra money from because actually like surprisingly people actually want your used things, and then because like carousell is I mean you're supposed to sell it for cheap lah because like it's used stuff so I guess there's always potential client so like that's where like one of the areas where I can get things my right sort of extra income recently ya


ya I think like we are both quite similar I mean like you say that you have a bad habit of spending like when you have the income but I think it's just like because like we want a reward for our own hard work so that's why like and plus you got like extra fund, so like to us it's I got the extra money so like why not spend it so


ya so I I'm quite similar to you lah but I think like for me I try to like so like for instance I earn like one K in an entire month where I work part time right so , I'll say that I would try to save about eight hundred to nine hundred so like those eight hundred to nine hundred I don't touch at all so that become like my spending money throughout my entire semester so actually like when I work part time during like the school holidays it's so that I have enough


money to put me through the semester or for like textbooks or like like lunch ah school lunch when we were still like in school like pre COVID you know ya, so but then but then it sounds very good ah but actually I don't think my spending like like saving skills are very good cause I always get tempted by


like my friends like going out at night so like I also want to join so I always end up spending a lot of money as well because like I don't want to be left out ya, so I think between that like the nightlife stuff I think I also spend quite a lot on shopping because like uh ya I think it's a just a way for me to like de stress and like


be it feel like rewarded or fulfilled for like my hard work during the semester and like my hard work uh I put in during like my part time job ya


I mean like going back to what I said like just now like it's actually like a source of reward but then whether it's justified or not I think I think it depends sometime, because like because because we are in poly right then poly we can wear our own clothes then to me I'm I feel justified because I can't always go to school wearing the same clothes


so I feel like I need to like uh update or refresh my wardrobe ya and I mean I would say it's justified because I'm using my own hard earned money and actually I don't


I don't I try to stop myself but I get a few like pieces to like sort of a pat on my back lah like reward myself for like, doing well that semester and stuff like that so sometimes it might not be but I guess generally I don't feel guilty for spending my money ya


actually I haven't really thought about that lah like uh like health insurance ya I mean actually I'm not even sure whether I have any insurance myself ya but it's never really like a big like thought in my head


ya and I never really thought about saving money for that but like I mean like I do like think about my future in other forms like such as , like for example when like I want to start a family in the future this kind of stuff like I think like I do save


I think but it's for that purpose like for when for like when I really get into like the adulting life ya so I think like actually like I thought about it, but I've never really put my plan into action yet but you know like when you think about your future right like starting like on your adulting future then like actually I think that


actually we are old enough to think about it like what we want to do now like for example in the future like what I want to accomplish and like do I want a car like what kind of houses do I want like , I think we should make this kind of plans so like we can save accordingly because like I mean we're never too young to to think about this kind of stuff


so actually when we plan ahead right then it actually helps us to uh set aside funds and maybe like like just now you mentioned in the start like invest into the proper like channels, so that we can grow our our our funds lah ya so that we can accomplish those plans that we are thinking of having ya


that's true ya I mean like but err as as in like just now you said that it was actually quite like early for them, to start like saving for their future but actually like I think it's actually I don't really think it's very early


because straight after uni there right that they are going to go to the working world already so like I think I think it's a appropriate amount of time lah, like I mean like what what I said earlier like I don't think any time is too early to like plan for your future so ya I think like it's quite commendable lah that they did that ya


oh like actually I've been thinking of this quite a lot so maybe like I was thinking that actually because like marriage right then like, I feel like if we think about your money versus my money then it will be very like complicated especially like money is actual a sensitive issue so I feel like maybe we can like start a joint account and then like perhaps


maybe like fifty percent of my income goes into that joint account so like actually it will be both of us like paying like the bills the the mortgage this kind of stuff so it's like fair


and like cause fifty percent then you still have half of it to like spend on yourself so like when you want to pamper yourself this kind of stuff like you still can do it on your own expense, so I feel like it creates a like well balance like platform so like it prevents argument and it also like solve solutions lah without being like embarrassed about like our own personal like situation like finance situation


ya and also actually ya like I feel I don't know cause like sometimes I hear like my parents talk about finance right and then I'm just like thinking like like how can you talk about so like casually cause like to me even when I talk to my friends sometimes like when they owe me money right I get very like irritated


so I guess ya like really like sharing and like understanding each other is like a very good like a very important basis lah especially like in a marriage


negative experiences


ya I think maybe like something that angers me is probably when I'm accused of something I am not like be it whether I'm telling like


when people are accusing me of telling lies or like people are saying that I'm this kind of person when I'm not I think that's something that, I guess it frustrates me which leads me to becoming angry ya so ya I know I just cannot stand like like I people who try to think that they know more than


you than you know about yourself ya I think that's some like that's something that I really cannot know tolerate lah ya because okay if it's like coming from a close like friend then maybe like that's justified because that they know you


almost as well as you know yourself but then like perhaps when it comes to like like not like close friends but just like regular friends and then like they say like oh like no lah you are lying or like they are telling or like you are not this kind of person but I think it really like irks me because


usually like this kind of accusations are like negative so I mean I guess everyone is trying to be the best version of themselves so I guess like that's why when I'm accused of


like this kind of things like it like triggers me more than usual because like I think I'm trying my best to be a good person but then like someone else is making me out to be not a very good person ya


then like uh since you are talking about like phobias like you mentioned about phobias just now right so maybe like uh is there anything that you are afraid of like what's your greatest fear


ya like actually I can relate to you on like opening up like ya actually I'm not uh very used to it either like I feel like in front of my most it's one of my weakest points, but I think like in general my biggest like greatest fear would be failure ya like I don't know where it came from but like I feel I think it like started off like in school


because like I'm not very academic I'm not very intellectual you know like in like academic terms like I'm just average maybe like ya then , I guess like maybe it started during PSLE like with the prospect that I may not do like well enough to get into like regular streams like NA


and then like my teacher say that oh I confirm will go into like the NT stream then I think like that's where like the start of my fear like started like, because I think it's not the fact that I'm going to go into NT but I guess it's like the


so it's like those so so so society's like concept that NT is like the bottom and like so the bottom equals to the failure right so I think ya like I didn't like being like cast into that category


ya I think it like like stems from the being accused of something that I'm not ya so I didn't like to be cast into that category, so I think from there like I've tried to work my hardest to like in whatever I try lah so and like it's quite hard like


like to become like smart all of a sudden so I guess ya like one of my greatest like fears is like failing so every fail failing so every time when I'm close to failing or like not achieving something that I want to achieve


like ya I think like that will like embarrass me like quite a lot ya


then okay then I guess since you are on like the same channel topic then is there anything that like disgusts you


ya I think like like my like example is actually as in like the the thing that disgusts me also quite like close to yours so it's actually like it's especially when


people don't realise that their behaviour is harmful like uh for instance like it's a very like clear example in my mind lah, because like oh I know somebody that's like this and I don't know I just don't understand like their behaviour so


I think something like that really disgusts me is like when a person is very like mean and rude and and they know that they are being mean and rude but they don't change like the way that they behave


and then it turns it it turns into a very like harmful behaviour because it not only like like harms the people around you but doesn't it harm yourself as well because like you're putting this kind of like like negative thoughts in your mind like


all the time so like I guess it really comes from like when they don't see what they are doing is wrong, and then like insisting that they are right or like not making an effort to change so it can be like when a person is very very direct and straightforward right


and then they just tell people like the way like tell people like unfiltered like stuff and it hurts other people's feelings, but then like there's a difference between being honest and being rude like like you can be honest without hurting other people's feelings so like


actually there's a occasion where like I pointed this out to like this group of friends and then like they just said like oh like that's just the person he is you know like, actually he changed a lot already like he's very good already I don't know what else you expect from him then I just like but you are still being it's still being harmful to other people so I don't understand why


like you are satisfied with the way you are behaving because it's it's still wrong what like ya it's less wrong from when you first started out but it's still not the correct behaviour, so ya I think that's like something that really disgusts me because uh they just don't seem to want to change ya I think that is something that ya


ya I think like similar to you like I mean like with the whole like social justice thing like coming like very trendy right now I think actually it gave me a opportunity to like reflect on myself and actually like the things that I do and the things that I say and


like it made me realise that a lot of things that I've been doing is actually not right so like like on what you say right like actually with the whole like


LGBT stuff and like sexism stuff or like sexual harassment stuff actually I think about it and like I want to correct the person but like in the end I'm always like too afraid to say it or like I feel like I'm not articulate enough to like


say what I'm feeling to like correct the person and like I'll let them know why what they were saying is wrong lah ya I think like I think it's not like the worst thing I witnessed and it's like it's just a like a general thing that I've witnessed


and I've felt that it's terrible but I myself didn't like do anything to like stop like what what's happening so I think like I'm also disappointed in myself lah like that I didn't like speak up, about these matters because like when I don't speak up I'm also like contributing to these kind of like thoughts ya


positive experiences uh okay so so like starting off lah like oh so what makes you want to be alive right I think like that's a very profound question but I think like very simply it's just like


the people around me like my family my friends and like simply just being able to like look forward like being excited for my future like is enough to make me want to be alive ya what about you


oh ya same I think it's really just like the small stuff lah okay so like, so actually like uh I don't know about you but like uh so like typically when after like school


or like when I have my own free time actually I like to read a lot I feel like reading is like a very easy way to escape where especially when life gets a little too much I guess so it's like oh


a way to take a break like a pause from everything and actually like just like forget about our own problems ya especially like COVID right, then like everyone is at home all the time so it's very hard to like get your own personal time sometimes so like actually reading a book


and like like upgrading myself like my knowledge actually it's a very ya I find it very enjoyable like I think like it's very underrated activity


ya actually like what you mentioned like exercising ya actually I found that to be a new hobby that I act I actually enjoy which I'm quite surprised lah, because I'm not a very athletic person like before like this COVID thing right I feel like the last time I exercised was


probably like twenty eighteen like during my mandatory like uh sports and wellness classes so, ya actually I don't really exercise a lot but actually during this COVID right with all at home exercises it actually I feel like it builds up my stamina


and I actually enjoy it more and I feel it find it quite relaxing sometimes because like it sort of de stresses myself in a sense ya I don't know how it works but, it works and ya I'm quite happy that I picked up this like habit uh cause it's quite healthy also ya


ya like actually what you were saying right then like I was thinking that actually like I don't feel like a sense of dread for the future because like as humans like the only thing we know how to do is to adapt so like this kind of like big changes right it actually like


changes our way of life for instance like perhaps before like the COVID nineteen like wearing a mask was seen as like stupid and like no one wants to do it because it seems ridiculous lah but then like because of the COVID then like everyone became more like


conscious of others or like more like thoughtful for others ah ya like they they won't want other people to get sick, so like they wear a mask so I think that that makes me optimistic for the future because it is COVID right but actually it like opens up everyone's eye


and like more people are being like nice to other people so I think that ya I don't like dread the future very much ya I think like it will only like change all of us for the better ya


okay maybe this one isn't like COVID related but then like maybe like for like how do I say this, on the internet right like there's a lot of like videos like floating around but then like especially when I


okay because of the course that I'm in right then like I became more sensitive to people who have disabilities or like aren't as benefited uh as compared to like normal people


so actually nowadays when I see like people with like disabilities getting like harassed or bullied online like it actually irritates me a lot, and I don't feel very good when I see this kind of things happening but but most of the time when this kind of videos are circulating


usually there's like a like uh like a person in the video that comes up to like assist the person with that disability and try to, explain like to other people why that why the person with a disability is behaving like that and getting like other people to understand their condition I think that's something that uh makes me feel very like


like a very wholesome feeling like envelops me ya so I think that's an uh uh example of something where like I feel like people are actually good ya


okay so we'll maybe like we maybe we need to talk about ourselves a bit more so like actually is there a skill or like ability that you are secretly proud of having


I think like I think I'm sort of the same like ability in a different sense right, I feel like like I am able to like observe people like well and then like especially in this sector that I'm studying in right I think that


ya like like you like like I think it really benefit me a lot because it helps me like read the situation and be able to like gauge like how other people would react, so I think like that's a very like useful like uh skill that I've actually like I quite not like proud but like I'm I'm glad that I have it


because I feel like it makes me like able to read the room like not be like tone deaf to like situations that's happening around me lah then like, like sort of change or like amend the way that I interact with different sorts of people such that like such that I'm able to like open up to everyone like or like able to like communicate well with everyone without like


causing disputes ya like because I feel like I'm able to understand like where they are coming from ya


I don't really think so like I feel like most of the time like I don't really do things to get like a reward so I don't really like want other people to know also


but I guess like if people see then like the biggest reward would be just like acknowledgement or like a compliment ya I think like that's, good enough for me ya how about you


ya, okay then how about like maybe like since like we are talking about like good things about ourselves then maybe how about, an experience where like you blushed the most


prompt out of four I start first uh so


for one financial advice that I will give to, myself five years ago is that uh probably to track my savings and expenses better so I wish I had adopted such a habit, to separate my money into uh savings and expenses because


I find that it's very useful in helping me to manage my finances more effectively, so for instance err, I will say that, if the younger if my younger self had gotten myself a a debit card it would have been better because uh in recent years I


sign myself a debit card from DBS bank and I find that the electronic consolidated statements which I get from the bank at the end of every month gives me a good overview of my expenses, for a particular month


so err, other than that there's also statistics given which helps me compare my spending with previous months and also on average and I find that this makes it easier for me to track my spending and I can also make sure that I don't overspend or interfere with the amount that I'm supposed to set aside for my savings


err in my personal opinion I feel that it is better to get a financial advisor to plan my finances, err though it's not impossible to plan our own finances and I'll do some research to send ourselves up for some insurance or savings plan I think that


err financial advisors are more suitable because they have sufficient amount of, knowledge and also their expertise which uh we ourselves may lack to aid us in planning our finances efficiently and wisely so


err firstly one, attractive point about having a financial advisor is that they are able to understand and also identify, err the financial goals of like their customers especially like after talking to them


and then after that they can identify what are the best plans that may cater to our needs and also what can help us to grow our money, so also their knowledge means that they can help us to break down like the complex terms of different types of financial plans for us because err


we might not have enough err knowledge to fully absorb, what the terms on each financial plans mean if we do it on our own, and also an additional benefit is that, ultimately I believe that it saves times it saves time because we do not have to constantly keep track of what is happening with


whatever money we've invested into various financial plans, as this will be done by the financial advisor, and we will also be able to understand where and how much our finances have, expanded when we meet up regularly with the adviser to make sure that


we're on track and also that our finances are being utilised properly


personally how I manage my cash flow is of course by splitting it into cash in and cash out so cash in for income and also cash out for my expenditures and I like to do so by using a


phone applications so recently I downloaded this application on my phone called daily budget and I find that it's very helpful because it allows me to record any possible source of income that I have earned and as well as track my expenses so


some features of this app is that I'm able to record my expenses according to various different categories such as uh food shopping and quite a long list and it also helps me to refer to the, tracking history and find out


err how much I have spent or earned in a month, <B>, roughly sixty to seventy percent is allocated to expenses and the remaining portion of


roughly twenty to thirty percent would be left for err savings and other purposes, like, insurance and investment though I will say that most of my money, mainly goes to savings


so for earning extra income, since I'm a student, I would say that one way that I earn extra income is by applying for various part-time jobs and also, trying to find internships during my semester breaks from school as this allows me to earn some extra income while learning during this free time since I normally will not have an income when I'm studying in school


and I also found that another, popular way that most people, or rather some people may try to adopt to earn extra income is by making investments which I see some of my classmates doing and


and and I also for instance I know that Frank by OCBC offers a blue chip investment plan known as BCIP and I, suddenly find that this is something I can consider because it is quite an affordable and hassle-free way to invest err especially if we I have not much knowledge about investment to start with


so basically BCIP will allow me to start investing from as young as eighteen year years old and it only starts from hundred dollars a month which we can buy and sell our shares anytime, and why I feel that this might be a possible way to earn extra income is that


a hundred dollars a month is actually considerably reasonable in my opinion and I think that, most people even students like myself would be able to set aside this amount of err


their monthly income or whatever allowance they have, gotten for, these investment plan so I think that it is not that difficult to earn that bit of extra income while, investing


so in this case we can easily just use, a Frank account to fund, the investments and also easily manage them through the OCBC online banking, and also one, another way that I feel that I can improve my income level which I personally have also tried is to set up online shops or to sell my pre-loved items online because not only can I get rid of any unwanted items I can also earn some extra income from having my own online business since there


are actually many applications right now such as Carousell that easily allows us to promote and sell our items to other people who are willing to get err either new or used items


personally I have the habit of saving since young because err it's something that, it's something that my mother has trained me to do like in the past I will just save about a dollar from the my daily allowance in primary school


and to ensure that I meet my saving goals, I like to manage, I like to manage my cash flow using the income and expense tracker phone applications which I mentioned previously because it's a very good way for me to be more


mindful of my spending and also, err what I also have to ensure that I meet my savings goals, is that I have a savings account at DBS bank singapore and this motivates me to save a portion of my money every month and enjoy err various benefits of these savings account such as


interest rates that go up to one point six percent per annum while I'm saving, I also frequently check my bank transactions which are readily updated as well as make use of the monthly e-consolidated statements to get an overview of my spending and whether I'm spending within my budget and so such mindful spending helps me identify which areas


that I should be cutting down my expenditures on and then also being more uh frugal in a sense so that I do not overspend and I can stick to the amount that I set aside to save for that particular month


so for me I mainly spend my money on these few areas of food transportation education and shopping and I will say that all of these expenditures, are justified because food and transportation are clearly the essentials and especially since I have to travel


err frequently to school or sometimes for work I think it's nearly impossible for anyone to not spend, a large proportion of their of their money on these areas and also, err personally I feel that


for me shopping is also justified if I spend my money err if I spend my money reasonably like I don't err, over I don't splurge my money for no particular reason and also because


err I think it's good to pamper myself once in a while so basically during this COVID nineteen period I think err many of us would have, probably spend more on online shopping as compared to other essentials like food and transportation


especially since I am home most of the time during this period and so this gives me a chance to like indulge in online shopping to kill time, , <B>


err spending


prompt three out of four, okay so err personally something that frustrates me is when, I'm unable to think out of the box


so I would say that, since young I am someone who is not very creative and I like to follow a certain, err certain rule or method like I will try to find err the standard way of, possibly like in the case of answering questions I try to find a standard way of answering and


and wherever I have questions that I am stuck at I find it very frustrating that despite fully understanding whatever concepts I have just learned I'm still unable to apply the concept I've learnt to solving like, application questions


and this really frustrates me because I find that, not being able to think out of the box and, err make is very restrictive because it makes my thinking very rigid and I cannot, err I cannot be more flexible in trying to think of


other solutions wherever I encounter, problems so this is something that really frustrates me in my daily life


K err so, err I want to share about, a scene from a movie that made me too angry to watch so err I'm not one who watches many movies but there is this famous korean err based movie that I watched a few years back called train to Busan and it is one of the


very few movies that I actually really enjoyed and would watch again so this err whole movie basically talks about a zombie apocalypse that happened on a train that was heading towards Busan and the particular scene that really made me angry was


err was when, one of the main characters found himself stuck with a bunch of zombies while the rest locked themselves up in a separate cabin to protect themselves and this scene was extremely frustrating because, err the unaffected people


refused to open up the cabin door to let this man in due to his selfish fear of the zombies entering into the cabin and which will result, in him possibly losing his life as well and I was extremely angry because I did not understand how one could leave others in the lurch for their own benefits and also how he had chose to sacrifice the other's life for himself to stay alive


which could which he could have possibly like save, both of their lives by opening the cabin door way earlier instead of hesitating for such a long period of time and, in such cases it really makes me want to like jump into the movie and like open the door for the person so ya this is one scene that made me too angry to watch


so err I want to share about my greatest fear and I think that my greatest fear is possibly the fear of failing so I say so because, I often find myself, attempting to do things and


I find that, I lack a lot of confidence because I always end up asking myself a lot of questions like, what if I cannot do it what if like something bad happens and I don't get what I want so such negative thoughts and, feelings often felt in my head especially when I'm going to err embark on a more serious or big task


and I've I often feel that I'm under-prepared, and I will not and I'm not, capable enough as compared to others to succeed and I would eventually like fail badly so that is one of my greatest fear


so, err, for my phobia, I would say that I have, a fear of insects because I extremely extremely hate having insects near me and I also sometimes


think that I feel unnecessarily uncomfortable after being near them like even when I don't come into like direct contact with them I also, feel some unknown source of like itchiness and then like I will just feel very very very itchy so I don't think I am able to fully overcome this phobia because I think it's quite difficult


to like, like just suddenly become very like brave and like not be scared of like insects and stuff so, all I do is just avoid them as much as possible or sometimes I pretend that I don't actually see them so that I will not feel as scared


so, err, I want to share about something that I watched on YouTube that actually gave me goosebumps so there was this there is this video on YouTube that appear on my recommended err that I watch is a video of an artist called


corrine sutter on this talent show called got talent global and I'm not sure why it appear on my recommended because I'm not one to watch talent shows but this actually gave me goosebumps because of what, she had created on the spot, so what led to the build up of these feeling is that


initially in the midst of her drawing almost all the judges uh almost all the judges had like, buzzed her like meaning like, ask for her to stop drawing but she actually like bravely continue and what shocked me in the end was that err as a viewer when you look at her drawing it looks like rather messy and like you don't really get what she is trying to draw but actually err


it's very like, shocking and like gives you goosebumps because like what happened is that these messy looking drawing actually turned out to be like an on the spot portrait of, one of the judges and he actually like, err really gave me goosebumps when I like in that moment when she like flip the picture and it like


so err before I like move onto move on I also want to like add on to, err his point like about the war because, err one very like err, one event that really like gives me goosebumps every single time I watch like the documentary is like the


holocaust in germany like I find myself having quite a, strong interest in this area and I frequently like to watch like documentaries of holocaust survivors also and I think like this very event gives me goosebumps every time because when I watch the documentaries I learn a lot about like what the nazi germany's did to the people in like


like did to the jews in the concentration camp lah, and it's really, really really very scary like when they talk about all the injections that, they gave to the people like, because they use them as like their guinea pigs for experiments and I think this is something very


like serious and also like horrifying so err moving on I want to share about an event that made me very angry so recently there's this there's the george floyd event in united states right


where like this black man got killed by the, white police officer because he like knelt on his, neck for about, ten minutes and like it he eventually died ah so I think this event made me very angry because


, it it is said that he told the police officer that he couldn't breathe but they didn't really listen to what he was saying and that resulted in like an innocent death although although he was being arrested it doesn't mean that he


it doesn't mean that he loses his right to live so it makes me very angry that err there is sort of err discrimination that continues from like back way back in the past, especially in like the united states where like the blacks are often be like discriminated lah because of


like the supposed, feeling of superiority felt by the white americans so this event makes me very angry because I wish, like something better had happened like, ya it didn't turn out the way it did lah


err so adding on I also have similar worries and anxieties so uh basically finding a job when I graduate is like, err this continues for a long time because I see a lot of my seniors graduating and they all worry about not being able to find a job especially since err many companies are like rescinding their contracts and personally my internship has been postponed thankfully


prompt two out of four,


for me I also agree with the particular reason to stay alive is that I also look forward to being able to accomplish things that err I've not been able to that I've not been able to


do so err for the number of years that I have, since I was born so err for, me more personally I be I want to be alive because, err


I want to be able to achieve all the goals that I would want to in my life, so I have also many things that I want to achieve in my lifetime such as, err doing well in my studies and also being able to do some of the things that I love such as singing and being able to be alive to do all these things actually makes me feel very fulfilled and contented


and what's more is that the motivation that I get to thrive to succeed in these areas gives me the adrenaline that I really need and also makes me feel like I really want to be alive to complete this goal so that I won't have any regrets uh next time


(ppc)


so, err moving on from there I want to err share about my skills and abilities, so one skill and ability that I'm secretly proud of having is that, I can sing and this is


err this happens to be also one of my favourite hobby to do when I'm free or even just when I'm studying I would like subconsciously start to sing, or just anywhere in general because it's possibly my favourite thing to do anytime and anywhere and it makes me feel good so I'm actually one who rarely sings in front of others because I used to lack the confidence and I also


err sort of thought I had a very, manly voice so it makes me sound weird, however, I have grown to become more confident of my singing over the years and I will say that now I can comfortably sing in front or with my friends and also share my song covers online with my friends it makes me feel very happy and reassured about


err my ability to sing where my friends, tell me that err they think that I can sing well and that it makes them want to join in and sing with me as well so this is one skill that I'm secretly proud of having even though I may not be one who shows it much


and <B>


so err, this happened in primary school so ever since we started taking science in primary school I didn't really have much interest in the subject because err growing up I


I realised that I'm actually more a arts person so that will probably explain why, I don't really have much interest since young in science because I felt like the content was more dry and unappealing in my case, and I much prefer like languages like chinese and english in primary school so that is why I scored quite badly for my science examinations in school for


ever since we started taking it in like probably primary four and this was a tough period because, my science teacher didn't, err so, uh this might be my personal opinion but I feel that my science teacher didn't really think that highly of me and I often felt like she was she would


pick on me in class by like comparing me to my other classmates and she also sometimes seem to talk to me in quite a condescending manner which wasn't which didn't feel very good so this actually, lit up the motivation in me to prove her wrong and I actually studied very hard for


my science exam because, I felt like I needed to prove her wrong so I end up scoring a distinction in my national examination which I feel was quite a comeback for me because err


especially since I've been scoring quite badly for a few years straight and like I felt that this was a comeback because I could show, my teacher that I'm capable of achieving greater results than she thinks I can


so err building on his point I also, think that, one of the reasons that makes me optimistic about the future is is really about learning from such lessons so


even from like a public perspective or perhaps from like, singapore government's point of view such periods of uncertainty is like, serves as a chance to test like our readiness in responding and also implementing like adaptive measures


err quickly, and also effectively to curb such difficulties that we experienced during the global pandemic and I think this makes, people optimistic about the future because learning from our lessons we will be better able to deal with


really any other uncertainties that we may encounter in the near future and also, in this trying period something that, err is more personal to me that makes me optimistic about the future but I think that it can apply to


err in the case of many others as well is that, this this uncertainty that pushes us for positive to make positive changes so this could be both personally or from a public point of view as mentioned earlier, so even if the current situation in my case I do not let my time go to waste and I constantly look for opportunities for self-enrichment because


I realised that the future is very unpredictable and nobody can tell if like history will repeat itself, so that's why I strive to pick up new skills such as Python and also trying out new things


and this makes me optimistic because, I believe that, in the future I'll be able to adapt and be more responsive to such changes in the future especially since I'm a student possible uncertainties if there is ever similar


like, situations happening is that I can be more job ready, and moreover these positive change of oneself also enables me to be better equipped with the necessary skills to overcome any uncertainties in my future


so err I think that's quite a positive experience and I personally also would want to travel to countries outside of the asia err outside of asia because most of my trips that I have gone on in my entire lifetime are all err within asia so


err one travel experience that left me in awe would be, my school trip to Bangkok with my CCA choir this was actually a cultural exchange trip with some of the schools in Bangkok and err through this trip I was able to we were able to get the opportunity to


err, learn from each other so, err through presenting various songs pieces to each other and at the same time also being able to learn new skills from the choirs in these schools so why this trip left me in awe it's because that it's because I found that I was able to note some differences between the attitudes and the singing styles between


the different choirs from both my school and also the schools in Bangkok, and I could also truly feel the passion and enthusiasm where which the students had for singing it was quite a magical moment they have been able to go on these travel experience as a form of self-enrichment and also especially since


err we need various skills to present our song pieces in choir and I also thoroughly enjoyed myself because I was able to, err get in touch with the culture there so being a food lover myself it was quite


a good opportunity because I learned how to cook and taste some of their local delicacies such as #tom yam# soup and this mung bean dessert called #luk chup# when we visited the schools and I think was definitely an eye-opening travel experience because not only did I learn from the people there I also


err learn about their, culture their environment, and, uh it was a good opportunity for me and my friends to also experience the Chatuchak markets there as well and this is this is a trip that I will be I will love to be able to go on again if I had the chance to


prompt one out of four


okay one advice I will give myself five years ago is like don't trust myself with the money, when whenever I have like a like a large amount of money I should like give it to my parents because I cannot trust myself with money, and like (ppc) five years ago I was still studying so like my income is zero so if I want to have like a huge saving I I should reduce my output to like minimal and like cause because I know like when I was younger I can't control my spending like I wasn't like


I wasn't like smart enough to know what to spend on and what to not spend on so like I'm very happy that my parents actually like help me keep all my, all my the red packet money I got during chinese new year and that is the reason why now today I have like a sufficient amount of saving if I were to


if I were to keep all the red packet money myself I think I wouldn't have like that much saving now so five years ago the me five years ago like I didn't know what to spend on and so I just spend on anything I wanted like my collections and all


and which like cost a lot of money so I'm very glad that my parents were quite strict with it and like I will tell myself to like trust my parents more than myself (ppc) because at that age I still didn't (ppc) I didn't know much, and I always doubted my parents as like they were taking my money for themselves and once when I reach like eighteen my parents actually showed me like my bank account when they save when they save all my money from and I actually very shocked that I actually save that much


so one financial advice I will give myself is to trust my parents more


(ppc)


okay personally I think like I should get a financial adviser to plan my finances in the future because I do not know much about finance planning and like


investments insurance all these I admit that I do not have that much knowledge so I believe like a financial adviser is best for me, because I believe that they are qualified enough to help me plan my finance like even more than my parents who I trusted last time also


especially since like in the future where I will not I probably will not have as much time as now a financial advisor is like ideal in in a situation like that because they will be like, they will be the one taking up the time to plan your finance for you


and because it is in their interest to also to like make sure their client actually succeed and make more money so I think they would naturally also put in a lot more effort to make sure that , to make sure that my finance are put into well use which I don't think I can do any better myself


so I think it's actually worth the money to spend on a financial adviser, (mmhmm), okay also I think like the like like people people usually like some people I feel lah like they they believe they can they don't need a financial adviser because they have like err enough knowledge about that but for me


for me I really don't so I believe like it's best to get a financial adviser


okay for me I believe in the fifty thirty twenty err ratio that a lot of singaporeans have fifty on fifty on essentials thirty on (ppc) whatever we want and twenty on savings and investment, the fifty part I believe like err fifty percent of your my future income I feel like we should spend on expenses because that is like the bulk amount of money eh bulk amount of err


where our money go to such as like bills housing grocery shoppings food and insurance all these all these are like very important and like we can't live without it so that's where the bulk of my money will go to, and thirty percent I believe should be spent on what uh we want like luxury items televisions travelling all these because I feel like


as much as we should save we should like not like sacrifice our quality of life so I believe like thirty percent is a, a good amount to spend on to spend on like your family and like luxury items so you like can


so you like feel happier day to day twenty percent is I believe should go to your investments and savings which I believe it's very important for your future like when you want to retire or on like rainy days like when if you have any emergency I believe like


before err also I believe before investing like you should have like a six times your income and savings before you can like err invest so I believe like saving is savings should come first before the investing come


okay (ppc) personally I think what I can do to improve my income especially now since like I have a lot of free time is to like get more err part-time jobs


and also I think people like should like, err people should have more knowledge on technology like such as err we we should like abuse technology because like that's what people now can do like for example if you have a car we can like sign up for services like Grab Hitch all these are like simple ways like everyday people can do to like slowly increase their income


also I feel like upon more research I feel like some people can actually like eh a lot of people can actually do like Airbnb and that's something like people don't think about err ya usually but I think it's like it's quite a lucrative err


lucrative industry now especially in this day and age like people can easily set up Airbnb experience like which can earn them extra income especially if like they have like err other properties which they aren't using now, okay I also feel like people should


people should be investing more with their money like I have one friend he spends thousands on investment actually but and he's like making quite a lot of money more than more than what I earn in one month actually like and that and that is just his passive income and I feel like


but the bad thing is like there is a risk for this like investing and I feel like , to invest like you have to like have a large sum of capital from the start and some people do not have that, so investing might not be for everyone


I think what we can all do is also to like increase our qualifications such as (ppc) continuing to university after you get your degree you might you can consider get your masters or so (ppc) and we should sign up for like more courses so like


in the future err your employer might give you like a higher salary because of your higher qualification, also I think another part of err like, err earning extra like you also must save more and that's something that people don't think about it's like


instead of instead of trying to earn more you should actually try, to spend less and that is err something like equally as important which many people do not think about


err okay personally I I used to not have the habit of saving because I feel like in life like it's very short ah so we should like, spend as much money as possible because ya I was also quite young I do not know the importance of saving money but my parents are like (ppc) my parents are like very strict about it so whenever I have like a lot of money they would help me to keep it which I


initially like I do not like that the idea lah because it is my money, and sorry sorry it is my money and I feel like I should be spending it however after after meeting my girlfriend like she is very (ppc) strict with money so I I slowly begin to like count every dollar I spend like I would track


I would actually track like the amount of money I spend even on food and slowly slowly I began to develop a habit of saving and, actually not spending on (ppc) spending whenever I want to I would like think whether if it's actually worth it (ppc) or if it's like or if even something I need and most of the time I will actually think that it's not so like slowly I develop a


slowly I will develop a habit of saving and I feel like that is, that is something like I everyone should be learning how to do


(ppc)


prompt three out of four


okay I think something that frustrates me a lot is not being able to sleep like since young I suffered from insomnia I went to a few psychologist all this and, err because I refused to take any sleeping pills and all like sometimes it really gets very frustrating like


because my whole family is like they they are able to sleep once they lie down on the bed and that's, something I am very jealous of them because for me it takes a few hours a lot of rolling here and there and a lot of thinking at night ah which is very frustrating especially when next day if I knew that there's a big event going on it will take me a lot more time to sleep


and it will cause me to be very tired the next day, and I'm a very light sleeper so things like even if halfway throughout the night if it starts to rain I will wake up and that that's really like, that's really like very frustrating for me, because it already takes me so long to sleep and now once I wake up it's even harder for me to fall back to sleep and that is something like I always feel very angry about and especially since I I lived very near to a car park and at night there's always a lot of noises


a lot of unloading of goods and all it's really like, like getting to my nerves that like this environment is like already making it much much harder for me to even fall back to sleep and that is something like I get very angry about but there's there's really nothing anyone can do about it and that's like even more frustrating to me


okay for me one scene actually not even the scene the entire movie which like makes me feel too angry to watch is like err


avatar the last bender air bender the live action and if you watch the actual series like at avatar was like one of the best thing nickelodeon has produced and, it showed a lot of like character development throughout the entire series and ya everyone love watching it and but however the movie the movie was the worst thing ever and shouldn't even exist because I feel because I feel like


they got everything wrong they got every detail wrong they got the characters wrong they even pronounced the main characters' name wrongly and the graphics was like quite bad for that point of time and watching it as a avatar fan myself watching it really like err makes me feel very angry like we don't even know why this movie like is err


is even created because because they really got everything wrong they ruin they put a very bad reputation to the series itself and ya watching it with my friends for the first time we were like very excited, and but ya it was a huge let-down and


we we really got quite angry about this thing and took it personally ah because it was one of our favourite childhood things and they messed it up really badly and the worst thing was they they even had like three two more two or three more series planned for this movie like they thought it would be a huge success but


ya in reality actually went like really badly, and ya and for some reason it like it really triggered like my friends and I because ya just because like it was so different and everything was like


even the supposedly like emotional parts like that's supposed to happen they they make it look like a joke like they turn it into comedy and which like that is something like we really do not appreciate, and ya that that movie that one movie it's like something like


we couldn't even like couldn't even watch for a second time even if it's free and ya that's just how that's just how bad is it and how angry it made us


okay describe a time where I was unable to help someone in need I would say my friend who like suffers on anxiety and depression like in secondary school right at least like we used to be very close friend and but after awhile like


err like I seen her like crying alone in class and all this like and ya it just really sad that I was unable to help her because err it's very hard to get someone to open up to you and, back then err back then I when I noticed this happened like I tried to comfort I tried to like err talk to her but like


I was unable to like err help her to open up and ya it's just very sad to like see someone like <B>


it it wasn't really working because if someone is someone is not open to help it's very hard to give them the help they need, and ya it's just quite sad to it's just quite sad to just stand by and not being able to do something


err okay one phobia I have is a phobia of taking lifts, and that that goes back to my childhood where (ppc) in the past I was with my family in the lift and my cousin suddenly jump in the lift and err


whole thing like just jammed, and it was like a it was a very scary experience for me because the lights were out and I was trapped alone in the lift lah it was quite crowded and ya I was I was quite claustrophobic and (ppc) ya a few a few months after the incident I refused to take the lift I will just take the stairs


even though I live like err quite at quite a high floor I will like just try to take the stairs as much as I could but slowly after that err I read more about lifts and like, I slowly to know how to safe is it lah like, even even if the lift like the cable suddenly snap and we were like to drop down like there's a safety brake in every lift now and ya so ya I just like feel more comfortable comfortable taking the lift and (ppc) and ya that is just like a weird phobia that I have


in the past and now now err I would say like I overcame it and, ya it actually like ya actually part of it is due to the laziness also like ya climbing the stairs everyday is quite tiring I would say and ya I guess out of no choice like I just started taking the lift again and slowly I realised like it was a irrational fear and that


and that I shouldn't worry so much about it and ya slowly I just overcame it


okay something that err I've watched that always gives me goosebumps is a lot err any war documentaries or war movies like err if we talk about like war we


we only think it as like one country winning the other but like we don't think about behind the scenes where on the on the grounds there are a lot of people are losing their lives, and especially those like those like , I watched that are shows the actual graphics all these there's a lot of bloods like a lot of bones and flesh everywhere and it's always like it always gives me goosebumps because like


thinking about how all these people are actually like I would say brave like they see all these things happen on a day by day basis but they still continue on like , it's actually very scary if if you are on the actual place and ya it just like very violent very brutal


and ya this a lot of a lot of all these are not shown to the actual public which I think it's something like everyone should watch like once in their lifetime to like, to like know like what actually goes on and how like how in every war so many people are actually suffering and like losing their lives over this


(ppc) and ya I feel like ya it's something that everyone should be educated about and ya it just very horrifying to see for yourself like there are a lot of actual pictures and videos that are on the available on the internet and ya sometimes like I ya not sometimes like


once I just saw it like I will I feel like throwing up because it's like actually very brutal and all, and ya it just gives me a lot of goosebumps


okay in a post-COVID world like some worries and anxieties that I feel is like , okay because I I am a germophobe like since young I I'm very scared especially if someone like just cough around me I would like actually run away


I wouldn't like share things with them and all and ya especially in this situation like even post-COVID I would like be very even more cautious about the things around me and like err it's actually taking a mental toll on me because constantly constantly worrying


like about things around you is actually not good for you ah it's very stressful and ya it's quite worrying and another thing is like going to uni like with all with err post-COVID stuff like even post-COVID like


err there's still a lot of social distancing like a lot of events are canceled and ya most of things are online now so I feel like ya I worried about not making, like not being able to make friends in uni because ya we we unable to actually have physical interaction


which is something that worries and saddens me, and another thing like I feel is like jobs because because a lot of people has been have been losing their jobs in these situations and a lot of jobs have been lost and ya I just worry in the future about


if this would like last long enough in the future when I go to the workforce like will I be able to find a job uh (ppc) and ya if there are like lesser opportunities now, than I want ya and so these are things that that that like worry me sometimes


okay


prompt two out of four, okay what makes me want to be alive is I look forward to a lot of things in the future as I am still like relatively young I have not tried a lot of things yet and there's a lot of places where I haven't been to yet


so , looking at all this stuff and thinking about like how under accomplish I am like I actually want to be alive so I can like do more thing like accomplish more things a lot of my goals I haven't, I'm not even there yet not even close to there yet so that is something that I look forward to actually


and (ppc), and, ya and sorry those are the things that really make me want to be alive and even my like things like my family and like I really want like to be alive so like next time in the future if I ever succeed I actually can give them like a comfortable life and that's something I really looking forward to


oh okay so I'll be saying when did I blush the most , err when did I blush the most I would say


the time when I confessed to my girlfriend who's across the screen right now, and that , and err I actually prepared like a speech myself but like when it comes to the actual thing I I was like just jumping around cause I didn't know what to say and she was like quite confused also and I felt like


embarrassment for myself cause from her perspective like if I seen this happening I would actually laugh myself, and err, okay that that's one of the time where I blushed at most because like it's just like a very like weird experience I would say overall and like ya when the time actually comes like


like suddenly like err I really didn't know what to say and my heart wad like beating quite fast and ya I I think I I think I could see like my my face like blushing a lot and


ya it was just err very like err, surreal experience that err that I wouldn't want to go through again and


(ppc) okay , I'll be answering the describe a time where I make a comeback and shut everyone up okay so I will go back to when I was err very young in kindergarten back then because err I came from a from a family who speaks chinese eh who speaks english all the time and back then like in kindergarten we had this chinese class


and back then I didn't know any chinese at all like not even my chinese name and even the other races who were in the chinese class knew more chinese than me, so my teacher was like very, my teacher was err like looking down on me a lot and she even like


sent me to the principal office to like let the principal teach me one-on-one chinese and at and like after one week the even my principal give up like she she called my mom and told her like to (ppc) like to like not let me learn chinese in the future and because my mom was from


like my mom was from malaysia she knows malay so when I enlisted in primary school my mom's initial thought was like to let me learn malay instead of chinese, and but after a while like err in primary school I met a very good like chinese teacher and so like I


I was very motivated to learn chinese lah and after a while is like slowly got a lot better and everyone was surprised, I wanted my (ppc) like even like my mum who didn't believe like I could do it like she was damn very shocked and like she couldn't believe it ah and like (ppc) and I really wanted her to like bring me back to that kindergarten to show the to show the principal my results because like


I feel like as a principal she shouldn't be doing that lah like she shouldn't like err tell like students to give up and all this which is very like demotivating, so like ya


okay despite the ongoing global uncertainty I've I feel optimistic about the future because I feel like after every crisis we face as a human race like we tend to like learn from it and (ppc) and grow from it and I I feel like this time will be no different such as err in the past like


after world war two like, err a lot of countries got together and like, to like err to try to like united lah and that's how the UN was formed and I feel like , after every big crisis even even this one such as such as this pandemic like we would actually learn things like we wouldn't like have done otherwise such as like


example in singapore like the migrant workers like we neglected them for like quite a few years and and I feel like after this crisis like more attention will be placed onto them and we will learn and treat them better in the future which


(ppc) which is a very good thing because ya because err eh this make me feel optimistic about the future and because I feel like after this there will be like more good things to come and we will be like


we will learn from every mistake we made and in the future like things like will be more hygienic and we we'll learn to be like more socially conscious about other people also and even about our self we will be we will tend to be like more considerate and that is something I actually am looking forward to


and (ppc) and I feel like err this year has already been very bad like , and since we already hit rock bottom like the way left to go is up already so I feel like after this whatever comes we should like we can take it as like a good thing or even like a not so bad thing already because like what the worst has already come so ya I feel like


a lot of more good a lot more good things are to come soon sooner or later in the future and that is something I look I'm looking forward to


(ppc) okay describe an experience a travel experience that left you in awe I would say , (ppc) err my trip to the UK which is because it's my first time outside err the continent of asia and (ppc) like my first time being in europe which is it's quite a cultural shock I would say because like everything really feel so different the people the food even the environment like


things I will never get to see in singapore or anywhere in asia I feel like err that is a experience like , like everyone like should like, err can experience like once in their life like save up for it and because if you haven't been there before I would say it's like very it's like very very different (ppc) and I went there in twenty fifteen and my first time err the worst thing was like the thirteen hour flight which


I had to experience lah (ppc) and it was it wasn't pleasant lah because, (ppc) because of someone who has like motion sickness a thirteen hour flight is like their worst nightmare and I feel like , being when I first stepped in the when I first landed and like stepped out of the plane I already feel like everything seems like very different the environment the the atmosphere and like it's just a whole new experience


and uh I even got to interact with some of the people there and like we can learn more about their culture and how different how different they are than us (ppc) but, (ppc) okay but , ya and ya we got to visit a lot of like historical sites all those like which I've seen in documentaries only like err


like some of the castles over there the buckingham palace all this like it was like very amazing to see in real life as compared to the pictures ya and we took a lot of pictures there it was like a very different experience which I would like to experience again like somewhere in the future


and I think it is something like like travelling is something very important and ya it's something like we can spend on and like err we don't have to worry so much ya because ya


okay okay something that err like always amazes me is like how far we've come as a society and also like technologically scientifically like a timeline I always look at and always like feel amazed is like in nineteen O three like


we we sent we we created the first powered aircraft, and within just sixty-six years in nineteen sixty-nine we sent the first guy to the moon and like that is something like always amazes me err like how fast we are progressing, and like how we are growing like exponentially like one decade ago like two decades one decade like smartphone wasn't even like a like a big thing and like just three decades ago like no one even own a computer so like looking like


err looking at now I feel like we really grown a lot as a society and like, how our life has improved so much and this always amazes me because like if I were to be sent back fifty years ago hundred years ago like I don't think I will have survived and like if I were a bit it if I were able to see the differences I will be like


really amazed because (ppc) because we have changed so much and like we we have a we can't deny like the world is like physically a much better place like to live in now than err fifty years ago and like now like what amazes me a lot is really that


with a single phone we can like do a lot of things even from our home and I believe like if, if like this kind of situation was to be like done like fifty years ago like there's a pandemic and everyone's at everyone's locked in their home I don't think we could do much back then but now with just like one single technology we can like do so much now and that really really amazes


okay negative experience (uh)


part one financial related topic, okay so I go first ah so okay uh #li ching# when we talk about investment my understanding is that it is about investing money for profit with some risk involved my understanding of shares right uh ordinary shares and non voting shares


so I understand that most company have just ordinary shares these shares entitled the, holder to one vote per share participate equally in dividends, and share in the surplus capital


when the company is wound up like uh you want to share anything about shares


ya I think uh currently all the shares are not going up in fact some of them have dropped so uh in some ways I think uh like for some people right they will think that this is a good time to buy because you buy low then when the


ya correct ya and anyway the robo adviser that you mention right I I actually this is my first time hearing it lah before before this thing so, I actually went to google is a is a like entry level investor system and is great for people like who has like very


ya correct correct ya, ya so basically it's just to like put in your money inside and then the uh they will automatically like help you to the the robo adviser will actually automatically help you to invest your money uh based on the the questions they ask you right you were saying yeah so have you made any money out of this or not when did you start


last year april ah so about one year one year already,


ya singapore bond ya singapore bond is quite ya, ya that one if you invest like five hundred you put in an investment of five hundred ten years later I think ya then you will only receive eighty eight dollars of interest leh that's


very little but that one is like risk low risk one right or has no risk, so does it have risk low risk or no risk,


, so in the event that, if you don't hold it for ten years you take out do you still get any money


oh so anytime you want to take out you can just take out but just that you don't get the full amount, oh, oh okay okay can,


this is something like bonds right can I say is this something like bond, the saving bond lah because singapore also got the government security bond, that one, that one that one ah the singapore is is I don't think it's the same because singapore's security bonds right they pay a fixed rate of interest and have maturities ranging from two to thirty years and the minimum of investment amount is one thousand


you can buy using cash uh or CPF funds ya, ya then like uh anyone, in fact ah anyone like even non singaporeans ah can buy one, ya


I am not sure leh that one got to read up I'm not very good at reading all this, I read halfway then I will just like lost myself, ya, so like uh this let me see ah so I like CPF investment right I got CPF investment lah but I think it's some AIA shares or something like that whereby like I buy for like I think twenty over years but so far


I I think it's for retirement age lah if retirement one so using my CPF money put inside uh with like buy from buy with AIA then they help me to invest my money but so far I really don't know how to read the every year they will send me a statement lah saying like how much I


have like how much interest is accumulated all that I think the interest is very very low and I don't really understand one do you have CPF investment


oh so using oh ya okay, how to, how do you see the return ah because every every year they send me the statement right I I cannot understand,


, but the picking up is only like is very little right like like if you put uh uh like, five thousand then over the years it it doesn't go up any higher than


hundred does it I think very very low leh


, ya I think


did oh okay, ya I got excel uh this excel uh like investment shares investment also because that time when I was pregnant right so I buy this uh


mum's uh pregnancy risk one lah so if I give birth my uh child got anything right so, because before the child is born ah if got anything not covered mah so I have to buy this mum's insurance and good thing I buy because uh when mason was born he got defect right so I got a payout of payout of five thousand dollars


uh it's not a lot because his surgery itself is already like twenty K so but this five thousand does help out lah so after, ya so so when after the child is born right I continue to keep the uh, insurance ah it become an investment so they will help us to like every month we will pay like hundred dollars premium


so they will actually use the money ah the money that you pay right to go and buy shares they will buy they will buy for you themselves one they will do the investment themselves so from there then you will see like uh like they will send you returns lor I think every month or every month ah they will send you like statement but I don't know how to read lah so I didn't really bother


ya , ya so in that in the end ah like when he reach twenty one years old this one can transfer to him, ya ya then


no I don't have no I don't I don't I've been wanting to like like explore on this ah like like shares ah but because I I don't have the like knowledge ah I don't have very good knowledge on this so I like that kept me like


uh like I keep procrastinating lor ya, like like people were telling me like oh capital shares especially before Changi you know before jewel was open right so a lot of people buy in capital shares uh capitaland shares because when jewel is up ah so the shares will definitely go up one ya


so I got friends who like were who was like buying they already have capitaland shares but they continue to buy more, ya so they say like like now uh raised quite a bit then then then then you know like december december january period when COVID start to uh was like starting right so the shares rate were going low so a lot of people were like going in to


buy DBS shares capitaland shares at quite low low low prices leh and then they say like good to ya good to keep it, ya


, ya hopefully so so, have uh you you heard of this singapore savings bond right, do do you have it ah do you do you buy it oh but what are your thoughts on it


because is by MAS ah very


ten years very low leh very the the interest I would say very low like, five hundred you only get back eighty eight dollars of interest in ten years right, ya very very low ya,


ya lah correct lah, you uh you I think must put large amount then you can see large return like huge return leh otherwise ah like eighty eight dollars of interest for ten years one month how much ah


, ya eh you know about bitcoin or not ah I I don't know leh I feel like I thought I always got impression that bitcoin is like scam can you share more with me or not


is, it it it was released like ten years ago ah nine years ago is it nine like first released nine or ten years ago many years ago I heard about bitcoins already but very skeptical leh I don't know like is something like the crypto currencies right is a digital kind of like it's like online coin ah is it


ah, I don't know leh I don't I really don't know I I always got impression that ah like bitcoin is like a scam I don't know I don't know lah this that's how I feel lah ya ya ya


I don't know leh I don't I really don't know I I always got impression that ah like bitcoin is like a scam I don't know I don't know lah this that's how I feel lah ya ya ya, is it it eh, you mean shops selling bitcoin, ah


oh, oh, oh oh okay but


how does this bitcoin work ah like it's the investment is it it's like I buy the bitcoin is like a share like that is it, ah, it's a certificate


oh, ya, when at the price that I oh so I buy cheap if I like at that point in time when I want sell the bitcoin value go up then I would earn money lah


oh okay, so now the price is like very high not oh oh so now the the cost of bitcoin is very high ah like


like, like how the buying is like how like how how do you like one coin is like how much money that kind is it, ya


ah, oh, oh like that, okay ya


but at this moment right because like the


situation economy all that not doing very well ah must must keep some money on (ppl inside our ya must keep some money with us also in case anything happen because shares this kind of thing like ya lah now good time to buy but like when you need money that kind of thing then must good to have money with us right


ya, insurance


you got any other uh like uh investment with insurance or not ah besides CPF one, oh oh oh the oh oh the one that you mention the stashed away one, oh


that one is from which that one is from, oh but it's not insurance company one right like you know like some insurance company is like every month you pay this this uh amount of money that means you you like


invest ah then at the end of like maybe ten twenty years then you get back a lump sum of money that kind that is also investment lah got this kind of investment one ya, ya


ya I think insurance company investment are generally uh slower in return lower in returns, ya I I I got buy uh we lah we got buy uh one like uh


so called investment thing for mavis so when she reach like uh we we we buy for her every month we pay like hundred over dollars right so I think by the by the don't know ten or ten or fifteen years later ah she can get back like uh fifty K or something like that


ya ya I something like that, a month then after that you take back the money I, I told you ah, I tell you ah I'm not very good at this kind of thing so when like they say ah whatever they say then like you tell me like oh can make money ah then I see already ah like when I see the figure oh can make money ah okay ah okay can then we will buy like we can afford because I don't really I cannot really understand the calculation of the thing one ya


ah ya so this one this one we buy ah this so like next time when like so by the age of twenty one years old ah when mavis reach twenty one years old she can start to pay for this herself also


so now we buy for her I think I think about don't know ten or twenty years leh I cannot remember I cannot remember ya ya


yes yes ya, oh this one got more so that's why we buy this, because johnson say like in the like in the event that like when you take out the money right then johnson and mavis eh no mavis and mason can share can split the the amount of money


ya, ya but last time our parents never believe in insurance eh that's why we don't have all these kind of thing, ya


ya, last time I think my mum got buy a few insurance lah then like halfway through ah she stopped paying ah then gone leh all the money that you you initially put in, wasted lor ya


ya ya usually you must put like two months that kind of money then that I think she pay pay pay half a year or what ah then oh she stopped already because she pay for three of us leh then quite Siong for her, ya ya


ya lor actually very wasted , ya ya,


part three negative experiences, #li ching#, are there any moment that you feel that you were treated unfairly


ya, you want to like, cannot remember already you want to share share share a little bit or not ah do you want to share some


like , this this uh manager is a new lady right she just join not long ago


when you have problem it will keeps you awake at night, ya, ,


ya correct, actually taxi business has come back already right can I because like most of us most of the people are back to work so taxi business uh actually can I say that they are going back to the normal or actually still not much business


oh


even now even now no no customer at all, ya, oh that means a lot of people turn to I think a lot of people turn to grab,


for consumer you mean for consumer ah actually my grab okay because every time I take a grab right


then I will compare with the flag uh the the yeah the flag down one so usually it, is it usually I will compare okay lah most of the time ah I will, say that grab is cheaper maybe by one dollar two dollar that kind of thing so it would sometimes is like fifty cents cheaper I will take grab because grab


cars are usually cleaner and also uh I get to earn reward points I can accumulate points using grab ya ya then also because uh my workplace right is quite uh one corner so taxi don't usually come in ya


so I don't I don't get taxi at taxi stand one ya so I always got to call so for grab right when I call I don't have to pay for the booking fee where else taxi I must pay for booking fee that's one thing that turns me away


ya correct, ya so now now I I also use this comfortdelgro app right so there's a like flat rate and a go by metre rate so the flat rate is definitely more worth it one lah the flat rate one there's this ah so sometimes I will compare that one also I will use like grab uh gojek


then compare taxi ya correct ya but, I thought I I thought ah that like uh because a lot of people have already start going back to work so the, uh number of, like passengers are more


so business are like slowly picking up I thought, ya


comfort delivery ah oh oh, I know the uh government say taxi drivers can help to do the delivery food ya but what what like like help who to deliver food ah like grab ah or what I I don't know,


oh okay, oh it's not worth


oh is it's not worth lah, oh okay


, but you didn't expect you didn't expect (ppc) the situation will be that bad ah because initially like you still get backup plan was to have uh to to drive a taxi and then uh singapore


pool part time, ya but then suddenly singapore pool had to close ya so now,


second it was announced on a second, ,


but things are starting to get better lah because now singapore pools has reopened so you can start, to like do your part time with them for the time being, the ya then government is also helping to uh no okay not the not the oh yeah the government the government is helping to


uh put up more jobs opening ya so can lookout


they they they didn't mention how many mah so they they say that they are eh but forty thousand is a large amount leh it's a it's a very huge amount like you want to


ya ya, ya


it's just it just happened that like at this time at this time there's this situation and then you are out of job ya so just but but like I always say ah bad things will go away, so the good things will come after the like as as bad as the fall could be ah the good things will come start coming already so you must like cannot be too negative lah


, ya


ya, like as in as in national library ah


, is the the the position that you apply is it is it because of the position that you apply like what what was the


library officer quite basic what but they say that you you are not suitable, oh okay


you you know when I went to look at the I did help to see ah, the for applicants right I think their standard quite, high leh they need degree holder for library officer but which degree holder will want to take up a library officer post ah because I look at the look at the the salary and the job scope right it's not suitable for degree holder what


ya, ya actually experience ah should give you a helping hand, ya


they say cannot ya


very sad very sad right like like what what have like my ten years of experience not counted, ya, (hmm)


ya,


because in your course of work you do procurement as well right ya, similar,


!huh! why you like that say library job is an easy job


oh is it oh, oh, they don't do administrative stuff


they don't do administrative stuff, , oh ya did you try


like, uh the school's library ah,


ya, yes yes, ah


, yes yes at WSQ ah is it or the WSG oh ya,


and and some not suitable some not suitable I think a lot of the a lot of those like manual manual work, kind of thing a lot of those manual manual job like not not suitable for you ya I got I got see ya correct ya


, quite sad ah


grabfood delivery will need to you need to cycle leh ya not easy also no but because of your because of your knee injury it it will not be easy as well


ya , so now how many how many part time you are doing


you doing three part time in a day ah that's very tiring leh,


oh you mean this part time deduct your CPF as well, a month lah oh, oh ya yes correct ya


ya, I


, because is very tiring and taxing for your health leh ya


I, I hope that you can get your a a perm job soon, that will be in september right then she kind of employed you also


ya ,


yes definitely ya


try to find like desk bound job ah no I know not easy I know not easy but I mean try to like, it's easier for is it will be better for you if you find a desk bound job because of your knee injury mah you cannot stand long


ya, three day shift of how many hours


oh not easy ah , you go to soak uh hot water when you reach home your feet


(mm) (mm)


part two positive experiences, okay #li ching# so uh what makes you perseverance


, ya I think


(mmhmm), ya my parents my mum also , , ya, okay so actually ah like after circuit breaker finish ah what's the like


what did you do the the very first thing that you do ah on the twenty the on that friday ya nineteen of june what did you do


, I saw online, I saw I saw online the those were the like neighbourhoods


and, and uh town like orchard right very crowded like, crowded


you know like, when like after two months plus you don't see people seating around to eat right so the very first thing when I saw some people eating at, coffee shop and restaurant I was like !wah! got people already I was like !wah! people are back


like the like the the like it's like we are going back to normal like not not the, like the, usual normal but at least ah we see people eating around then you can see people like chatting very happy lah I feel very happy ya this has never occur to me that ah we will have to go through this phase ah I've never never never expect ah to go through such a phase


like you cannot eat outside you you Dabao like johnson because johnson is working outside right he's like running sales all that so every lunchtime ah he go to eat in the car, is then then because you go to eat in the car right you cannot eat soupy stuff you can only eat rice eat dry noodle that kind of thing so your options are very limited


ya very very Jialat ya so I think good that we are at phase two so uh the okay because usually friday ah last time friday we will go to the airport, we will always go to the airport in the evening where we have no other like


like, dates lah like if we don't go out for dates right we will go to the airport we'll go to we'll bring the kids to the airport to run around then to just eat have dinner, there, there ya so nineteen was a friday right the very first thing in that evening right we went to the airport so we went we park at T three then after that we went over to we walk lah we slowly take a walk so T three was very quiet leh actually T three was like not many people because no more uh like very very few flights come in mah


so, T two, they closed down T two and T four T three still open, ya the NTUC ya the NTUC the mcdonald all that


ya so , still consider dangerous mah because like arrival got people ya so anyway from T three we walk all the way to jewel then jewel was a different kind of experience already jewel got more people so initially I was afraid of crowd so we went there at five o'clock so I said must go there five o'clock to have dinner if not must queue very long


so we went there ah five o'clock eh not a lot people leh, so we went to have like we have our dinner at basement one of the restaurant and after that by I think by eight o'clock ah there were crowd already ya not bad ah A&W start queuing already


ya, ya ya, ya, cannot so so sad


ya ya ya actually, can you know like #goro goro# uh is a buffet barbecue buffet right so basically it last time you will have to go to the counter to take your food so now they are still operate I think they they uh they change their method


so instead of like going there to take your food right you order from them what food you uh what pork you want what kind of meat you want they will bring it to you, based on your number of pax ya still got buffet but then is like different kind lor ya, and ya lor it's different kind


ya but I pity I pity the eateries leh because you see ah like your space only got so big then you need to maintain the distancing, so your income ah is like half leh, if like you open for business at every one time ah you even like you got how many you got like how many customers ah is your income is divided by half because half of it will be empty what it have to be kept empty


no lah cannot like that one ha you cannot you cannot what, ah


ah ya lah ya lah but then still got distancing mah got distancing mah, ya still got to have the maintain a one metre, ya, ya


phase three phase three when they find the vaccine will be phase three right is that correct or not ah they say that when you find when they manage to find the vaccine then we will go into phase three


when they find the vaccine lor, so that's why phase two ah got no time limit phase one was one month phase two got no time limit phase two will stay until we find a vaccine, ya ya so for the first two weeks after uh phase one right they say no buffet they will continue to monitor the situation lor


ya so buffet buffet can ala carte buffet but uh like, the the one that we always go for the international buffet all that where we take ourselves one right that one got to wait, ya ya


buffet ya because actually they said ya, because actually they say that uh buffet very unhygienic mah can because like if I have the virus with me I don't know I go and touch the food I go and touch the tongs then later you go and touch the tongs then you get infected


ya ya ya so correct lah, but actually now ah our age ah we cannot take a lot of buffet already we just need to order uh uh more food ah then it's like buffet already


ya ya correct ya, I spend I spend I work from home so, ya ya


uh, you went for courses ah got courses meh can you mean like the online courses lah, eh the food hygiene cert is it online or you go there and do it


, FNB


(uh huh) ya


!huh!, oh oh okay oh okay


eh you can use your skills future for this right, oh I've never use before because I don't know how to use, (mmhmm) okay


is it free, oh, oh okay


eh next time you can ask me along for this kind of courses ya, ya, ya


ya of course lah got different one ya , ya ya you must show that you are the one attending the course


[orh] because because you don't know each other, easier to communicate ya ya correct


oh got discussion also ah ah ya, ah oh


ya, actually quite interesting ah you do zoom in like discussion then after that you go back to the main room I only use zoom for the like


no actually I only use zoom with friends I use webex for discussion for work discussion, ya ya ya, anyway talk about zoom right so I during this COVID period right I had quite a few sessions of like uh


uh, drinking session on zoom so we like cheers using the zoom , then good thing is good thing is ah like you can still talk to your friends you can still talk about anything then you want play music you play youtube on your TV you just play youtube then you anytime you want to cheers right you just take out your cup then you put like cheers then you drink everybody drink together and then and the best part is you don't have


to travel home you can just immediately okay bye bye then you off then you go to bed already , so it's it's fun lah it's something new lah ya lah like you don't see in person but okay lah still okay lah I think I think quite nice and then drinking at home save a lot of money


ya, you you are seeing human what you want to touch the human right


ah actually I, it's me it's me it's my expression you are seeing my same expression ya anyway back


back to back to back to meals right anyway food is our, our favourite topic ah so back to males ah so what was the, best buffet you have ever, had or meal lah what was the best food that you ever had in this recent years


actually I have many lah , , ya ya, no lah like by the best best meal the a meal that you you are like you miss every time you eat but you will still miss it after eating it you will still miss it


level two or level three ah basilico is an italian uh buffet restaurant


only sunday only sunday brunch their buffet right only on sunday brunch so they will serve the #foie gras#, so #foie gras# right is like unlimited lah you just go and queue and take then they don't they don't serve oyster you know they don't serve oyster they only serve like crayfish uh mussel that kind of thing


but the buffet itself ah is like almost hundred and fifty dollars per pax leh for sunday brunch no alcohol, juices ya no oyster but it's very very very good I tell you is very very very very good is like the spread right is italian kind of spread so they got all the like


uh , all the italian food then their on ice right they got all the cold cut that kind of ham ah, the best best best impressive ham is the, parma ham with honeydew so you take a slice of the honeydew and then you eat with your parma ham


so you you eat together ah so is the the the a bit like salty then the honey dew sweetness that one is the italian way of eating very very good ya you you go other buffet right like they serve cold cut parma ham and then they serve you honey dew but the sweetness is different one this


not honeydew is rock melon sorry rock melon yes the the sweetness of the rock melon right is very very good ah so every time after eating it right I will start to miss it again, ya ya


I don't know then they got a cheese room they got a room right full of cheese in the buffet itself ah they got a room full of cheese so they got like I think hundred over kind of cheese spicy cheese alcohol cheese all all any cheese right, you can just take yourself one ya you can just try you I went there twice right I haven't finished trying all the cheese ya really


no lah but you eat little by little mah then their dessert , you can add on you can add on money you can add or money for the for the alcohol it's just like maybe don't know how


but still very nice they got serve you sparkling water juice all that, ya is park in inside the buffet so that is the most expensive buffet I've eaten yeah very nice that one


buffet, what's the name M hotel ah


they serve you all the cook and the sashimi is it is it four Sheraton's, ah last time, ya ya ya


ya ya but, I think they I think the standard drop already leh because, now they like okay like, if you got a lot of people ah you go I think okay because like


like, when two person ah two of us went ah they serve us the, quantity right is for four five person to eat one leh ya it's like they didn't let you select the quantity they just you just select your food right then when they come ah that plate of sashimi ah you order one time you don't need to order already


you can't even finish that plate of sashimi then you cannot eat other food already because you are so full eating all the sashimi, ya and then the sashimi very thick leh the cut very thick leh, ya