part two, positive experiences, okay so this is the second, topic heart to heart chat regarding your positive feelings so Ahmad anything you want to talk about you want to go first


travel experience, I'm not much of a traveller I only been to like two place my honeymoon in Bali indonesia and my uh education's trip to china Beijing when I was in secondary school so I only went to two places ah


, the the the, like duck it wasn't duck eh no it was chicken right they said it was chicken I can't remember


that that's where the duck came from, so


but it was, it was it was labelled something else though so ya lah so that wasn't a intention there wasn't knowledge lah so there was no intention


that's the furthest I've been, so far in my uh in my my life I need to travel more say wanted to lah but ya lah this year this year twenty twenty, all the


ya but, but somewhere near I mean I I always wanted my my my my goal ever since I had a family was to to go and visit all the uh disney disneyland disney world is it disney land disneyworld all over the world with the family so hopefully ah that's that's it


ya, (uh huh)


okay


(uh huh), different ah, share their joy


ya for sure, I mean they they have to be at a good age ah I mean if they are like uh under to me I feel if they are like one to maybe, uh ya you know I mean so maybe two two and above you it's better but that's my bucket bucket list I our bucket list is it to uh go to all the uh disneyland of the world lah so maybe go Hong-Kong first then maybe or australia this two they're nearer


so the flight time will be that long we see how lah test test test market first see how the kids behave on the plane, we'll see lah one day lah we see hopefully


, ya eh there's there's a, there's a nice question there the last one despite the ongoing global uncertainty what makes you optimistic about the future I think since we're talking about this we're kind of like like in that uh topic also


double the,


(uh huh)


ya, ya you got you already got you already got started lah you already got some amount to start off with ya in fact for for me I think this year right two thousand and twenty is personally I spend more money, I'll be helping the economy


uh I know right just just, just


for sure for sure ya it's all about the happiness fund happiness build up the happiness fund first before you get happiness ah okay, ya but I mean at at I think this thing will pass ah but I'm pretty sure COVID won't go away so easily like I think the new normal


is what we're doing now lah you know wearing mask out uh social distancing online online uh what do you call that online purchases for food retail


that's why I don't know all these uh real estate I mean they they see the potential you know like do you really need to have a shop physically anymore, right and then and then at at the same thing at the same time is like all these uh companies they'll be like do you really need your employees to come in you know what I mean


the work because technically this this pandemic has forced their hand to, ask their to to work things out lah I mean like macam you know like how they say if if if you're not really forced willing to try but you are forced to so you know you can see the the if it really works or not lah but I think to a certain extent it can be done you know whether they just want or don't want to


you know what I mean but it's not easy ah staying at home I I I have friends who has uh relatives who works at home and uh they say that they can work from home but the children's school must open open


ya because if the school closes and they are home with them they can't get any work done, ya ya , the school must open and then they can work from home if not horrible they say they didn't enjoy the experience ya


what's your favourite activity to unwind and relax when do you blush most describe the experience what makes you want to be alive !whoa! that's a very deep deep question


wait ah uh, describe an experience when your faith in mankind was renewed, ya


uh it's I I recently came across this uh this this our it's article lah I won't say the article lah this little uh uh picture on Facebook uh, because also recently of the recent elections right they they have this uh term ah it's called the I'm I'm paraphrasing here lah but it's like the grocery theory the grocery uh trolley theory have you heard about it


okay so basically , the the key point is like can we, be uh entrusted to self governance right so the question is no lah obviously because of the the trolley you know at the at the at the supermarket the grocery store right yes


ya so so the idea is simple that that trolley right doesn't cost you anything, to return neither does it reward you anything to return it ya, so having there is no reward and there is no cause


to to putting in the effort to do it why does people still don't return the trolley, so with with that little uh


ya, we're breaking up


ya, I don't travel much


(uh huh), !wow! that's their stereotype


for sure


it, ah


(uh huh) (uh huh), yup


pick, so the other uh the other patrons of the restaurant were were were expect you to to to throw your throw your food lah after you're done right


ya, correct


oh, utensils to eat


(uh huh) (uh huh) (uh huh), so we we just started on the straw things not a straw no straws, ya


because it's free, ya


ya, ourself ya, but I feel like in in a way it's out it it's the responsibility of our generation because like


back when singapore just started and you know it the the the the I would say culture was like you know you need to to to get get the edge get a little bit of edge very competitive you know I mean, so every little advantage you take and if it's for free they will you know they will they will just hop on it


so I think it it's our generation and our children's generation to change this mindset like if they ask our older generation to to to bring a metal straw they will just I think they will give you the death stare you know what I mean, to to to you know


ya but ya lah I we we the best I feel now is through actions sometimes for me like, my wife did purchase metal straws right and there are like a few the long ones the bendy ones all that and sometimes I forget to bring or I just find it a little bit of hassle


because I need to bring it I need to bring a bag so this little ya I need to wash ya so, it it's a little bit of hassle but it's not we're not it's it's because I think we're not used to it and I think we consciously need to be like reminding ourselves at most I mean we can only uh change the behaviour of ourself right then through that we hope that people can can see and you know they also can follow along lah


you know so probably but, uh on the same notion I think my brother my younger brother he also travels uh more than me I think most everybody travels more than me lah but what he told me was like in japan I don't know if you've been to japan but he told me in japan there isn't any rubbish bin


but and but when he went to europe right uh I think think he went to Paris, and he said like that that uh that kind that that place also is not that clean ah as people expect it's quite dirty also


like I don't know if you if you ever experience lah but I was like, paris or japan paris is it really dirty like he told me that cigarette butts they throw onto the train rail tracks and it's littered with all the uh cigarette butts


ah, now in the this time of day, !wow!


(mmhmm), (mmhmm), oh okay


okay, ya ya ya


(uh huh), is that country a very country less city more country, (uh huh)


, oh okay


touristy, ya ya I mean that is that's pro tip lah ah ,


, (hmm), true true you got a point you got a point


(mm) (mm)


part one financial related topic, okay let's begin , !wow!


let's start of with the first question investment, in any of the following investment products, for me I guess I don't know much about any of them except for shares index like


if you have stayed in a company a publicly uh a public company about the other, the I'm not really eligible lah, okay no problem I think for this case


in in order to share your experience basically I think let me just share what is all this individual financial products or derivatives are all about, ya so okay let me just start with shares so I think we are quite familiar with this basically shares are just units of an ownership


interest in a cooperation or in a company that uh provides an equal distribution to any profits so basically if the if you are part of the ownership of the company it makes sense that if a company is making let's say a certain amount of money


they will give you a portion to you as the unit holders, correct so uh there's also instances where if there's any bonuses in addition to the capital gains that you get some of the companies they also declare bonuses in the form of dividends so a good example that I can think of is uh comfortdelgro


comfortdelgro also sometimes they they they do dividends as well ya on a quarterly basis, ya so that's about it for share it's pretty straightforward, if you ask me whether uh what kind of uh shares or a company you should invest in is like uh


asking , what kind of a meal or what kind of food you should take because every individual right every different investors they have a different kind of risk and appetite also different ya, kind of comfortable zone that they want to do let's say I like uh properties I like uh commodities so I can't pretty share like okay you must put into this particular fund


ya so that's about it for shares what about bonds how is it different from shares, a bond is basically, it's like uh in Singlish lah they call it, uh uh a , or basically if I'm the uh I have money


okay and then uh I have a friend who has a company who needs money so me as a as someone who has who is a cash rich I will lend the money to the borrower which is my friend's company, and then in return he will give me uh the capital uh loan that he he borrowed together with uh interest


quick income instrument ya that represents the loan back to the back to the investor ya so that's how he make money it's just a borrowing and lending kind of agreement with a fixed income instrument which is the interest rate


ya correct before it even started so uh that's the perks of having a bond, uh I won't say that it's hundred percent guaranteed because it depends on the type of bonds so basically bonds that are triple A bonds double A bonds single bonds B minus triple B you know so in order to get the highest rated bond usually comes from government


which we will cover just now I just saw one uh singapore savings bond and all later we will go through ya I just read so triple A bonds are usually like government bonds which uh more or less you won't run out of uh, the the the government won't run away from the your money lah so at


correct okay, ya that's how the in some ways uh actually singapore GDP the revenues are extremely or incredibly high


and uh we also know that during this COVID period you know when the government actually announced at uh, twenty percent of the government reserve are being used to to aid in the financial sector I think that's quite remarkable because uh if you compare it with other countries


it is a very well known for their cost of borrowing, ya in fact they do borrow from uh other countries as well, ya that's why where where you notice uh recently uh the US markets they are trying to print more money


correct so it's like a temporary kind of solution but he does it won't last long you know because when you print more money the the paper become worthless at the end of the day


no we don't, uh because if you talk about because singapore context of financial pillars right they call it uh the three pillars the world bank pillars


as per se because singapore practises uh three world bank pillars in america they follow the four zero one four hundred and one K uh five pillars so the difference is, for us right it is made uh mandatory for us to contribute to our CPF


ya okay that's that's uh the thing that who, as a consumer for us we we don't see like how important it we only know as as an individual we we put money into the CPF and then once we retire we have a sum of money out but actually government take disadvantage to use our money in terms of putting into other asset allocation so that the money will grow


uh for for the reserve and a as well for the infrastructure of the country, whereas for for the US it's different in such a way that the US users, pay as you go system so how does it work pay as you go system is okay uh adult young adult like us right we have to funnel in the money for those people who are no longer working retirees those people who are sick so it becomes a vicious cycle you know


even if I'm the richest one I have to be forking out a very large amount of taxes for those people who are not working or, or retirees so uh as the money is insufficient the government will ask again


ask again and and and it is a continuous whereby there's no end game for, for the economy lah ya so I think that is one of the factors that quite uh uh uh affect I think the government because they don't have a concrete plan on how to move forward for the economy


ya okay that's why it's quite fortunate ya for singaporeans like us


even if we are paid decently well in terms of per capita our taxes are actually one of the lowest in the world apart from the middle east middle east you don't have to pay tax but in singapore basically now we're only seeing about


probably it depends on the income you know but what I've seen is about four to eight percent, yup tax is very very low, because in belgium I have a friend who's in belgium his income is


hundred K annual income but the tax are fifty percent of the overall annual income, so you can, that's what most of them are doing it


I don't remember the income tier but basically it could be as high fifty thousand but you don't see anywhere in in singapore , ya so these are the some of the problems that the they they the the economy is facing but I would say singapore is decently well


ya so that's how it works lah


eh wait I thought I just saw the unit trust also what uh what investment products so basically to wrap up this question the shares bond unit trust I think you are full fully aware also right about this unit trust exchange traded funds


real estate real estate is just you're investing in their properties lah but not hard cash because uh real estate is more of uh, instead of me buying property by myself I get a pool of funds where it encompasses of me and a few other investors


to put into this property and then we get a dividend or, not dividend but ya dividend there is but usually for capital gains ah so whatever profit that they made they will pass, to not only me but a few other investors as well the good thing about real estate is that I personally like it in uh rates because uh


at this point of time at our age you know I don't come from a very good inheritance family, but uh a to start investing lower it I could potentially get the returns as well because if I were to do a property investment


in a physically the the the price is actually very high nowadays if you want to invest in property it could easily have to down payment about thirty forty percent forty percent of the price


of the the the said property lah so I think is it is not doable for me so the next the next uh second option is always ya REITs ah, but REITs there's a few industrial REITs uh uh retail REITs you know so I think now with the COVID season health care REITs are actually booming as well as compared to retail REITs you know like uh capital land and all


they have actually quite uh significantly impact on the the the prices lah, exchange trader funds I also like it uh of course the selling point of exchange traded fund is they are very inexpensive as compared to unit trust because uh unit trust it involve an active investing because for me I'm


I'm so called also the fund manager because I help clients to invest their money, into unit trusts or mutual funds, but the good thing is that uh you have a lee way of moving in and out freely from certain particular funds so that's the selling point and then uh the returns are also significantly higher because they really depends on the market or the geographical location


you know like now who would know that vietnam funds are, growing at more than twenty percent last I've seen a one year return is about twenty one percent for vietnam funds so it's like !wow! it's it's superbly high lah


uh I I can't comment but I I quite confident on their their their raw materials still lah because vietnam is quite well known for their production


most of you know Nike products and all you always see like made in vietnam and all so their productions their manufacturing firms sealed and all they are still quite quite quite robustly uh increasing lah, that's from what I know ya


ya it's a single digit kind of thing but uh I have a vietnamese friend


he is uh their their their people are very well protected in terms of you know even fever uh cases like illnesses are very rare for them, in general it's really how they take care of themselves lah ya not too sure about their cleanliness but ya they are very particular about ya all these kind of uh things ya prevention


share your experience about, options futures commodity are you aware are you familiar with this


wait uh what is your risk appetite what about this ya what what is your risk appetite when comes to investing on trading, ya


(mmhmm)


(hmm)


that one uh in financial terms they call it the risk adverse appetite so how this adverse appetite right they don't they're not willing to take a high risk


but they want a very high return that's uh typically a risk adverse person so the only solution to risk adverse person right for planners they will usually put into a balanced portfolio


so basically uh we will minimise their risk to get the same return as compared to having them exposed to higher risk, kind of equities ya and also I think the major the biggest takeaway is always how long is your time horizon lah


ya because uh as a personal investor I don't believe in today I put in ten thousand I want to make money by three years, with a ten two digits kind of return it's it's possible but the risk that you are taking is very uh I will say is impossible lah ya


part three negative experiences


can we


click on a topic


the I can start start with this,


but is there any is there any uh good as in good, kind of resources that you can follow because I'm seeing this too many times and of course it's quite a negative impact where a lot of people are conversing about it a lot of influencer are tapping into this market they are sharing their worthwhile experiences where from the


start I will already know that they are, your body is well developed before they they the start journey you know, so ya it it's just my concern like how how well or how how truly accurate is the information or the resources that is being put available


understand but uh


I think that is fine I think it's fine I think it's fine but


I not that I'm aware of, maybe people are just doing their own things in the gym but if you're talking about fast pace clean, of course I will believe in track records but I also believe that listing can happen but it solely depends on your hard work


and your your your programme that you do ah because for me I have proven record of doing it within a month but it's not sustainable that's for sure because I've been through it before and the only best cycle is the only best fastest


way to lose fats is only intermittent fasting, or a very macro nutrition kind of diet, that will actually bring you there but it's the question is how far you can go lah there's no cheat code what this is like a direct way of approach for you to use that kind of uh ya so if you see bodybuilders and all the way how they eat is really scary because they


they are living in terms of daily sipping of water then that's it that's their life, and ya of course you can make it lah but if you tell me I got uh this, five to twelve weeks approach, but it doesn't give any justice then yup I don't think it is pretty helpful and it's kind of sad where you know


I'm not concerned about us because we are known for it but those people who are just started you know those are overweight obese people they are really trying their best to change their lifestyle, and they didn't get the result I think that is more impactful to them lah


ya, just my thought on this, okay, what is what's the worst thing that you witness and keep quiet about


not that I know of no, ya ya usually I will just raise my voice or I will just, voice out lah


describe where you have, I think at the pace that we are going I think I I'm rushing for time lah because uh recently I've been mingling around with uh people who are older of my age


and they tell me ah now is the time at your prime age is the time you have to dig up some things that you want to do instead of just waiting to waiting for time to pass by because, this is the year where time flies faster than you thought you know because where once you surpass that age of uh late twenties you should already know that what you are doing because within five this five years is going to change your lifestyle


because if you're going to do like on a day to day basis right, you are probably not going to be there lah, or unless you are a superhero where you start to boom when you are in your early or late forties, which I think it is sensible so I think the fear now is I am chasing for time to reach my goals you know goals if you ask me what kind of goals I think it's more of a financial freedom


and how does financial freedom works, the harder you the harder you force yourself to do something the faster you will reshape lah so, it there's no one way fits all unless like I said I I have an inheritance (ppc) or drop from the sky kind of thing these are my thoughts about ya


my fear because of the age like for you probably you have you have a certain significant change in your life because you already, you are married with kids for me like !aiyo! this guy is still not married you know no haven't BTO and all it's a typical mindset I won't blame that I have to be like that not that I don't want to


but if it it happens it's good lah but if it doesn't I will try my best to see what I can improve on, but uh before I think about it I think I have to improve on myself in terms of how I'm going to grow better as a person


in terms of my job in terms of my wealth, I think that is the the trigger point lah why we are here in, this world to serve the others right I mean you don't you don't be wealthy just because you want to buy a a


uh what you call it expensive goods just to please people around you that you are rich but I think the most valuable lesson that we can take note is like you you have the capacity of the cup to improve, so that you if you reach to that level you can help others too


open up to bigger capacity as well I think that's more of a lively hood because we live in a fortunate world whereby we don't have so much, loans or dependence that we have to suffer on I think it's pretty decent lah


you know like tomorrow I tell you eh let's go for coffee bean drink, you won't come and tell me or we won't come and tell each other eh shit I this seven dollar I've to save so that I can you know I can eat my my other meals, not to that extent what , ya so I think that is already a blessing lah but it's just how we're going to utilise now how we're going to make sure that we suffer more instead of later we suffer more now so that


by the time we reach our prime age you know already okay I have a, I have a company running or I have a yacht that I can I can, I can uh rent out to people, I think that is more meaningful lah


to to to progress that's why I'-m I'm really fear, fear in terms of time because, I don't want to waste my time you know just watch Netflix then the whole day is gone and then start from the next day again the new life


and then go to work then come back to work, ya that is my fear now ,


ya so that's, yesterday I got this uh this guy this director shared with me ah he said he play by football goals he asked me a simple question okay uh what time do you usually wake up


I said it depends on what time I sleep lah then he said okay is it consistent I said, no lah if I sleep late let's say for work or for sports I usually will start work at eight nine nine is my prime time work


so I will probably wake up at eight eight thirty you know you will drag the time to wake up because you know your time to work is later what, that's how I do so the the thing that he say lah okay that's good thanks for sharing so what I will do


wait ah, ya so what I will do is that uh, uh he when when he wake up no matter what time he start work he will always wake up at five


so he will probably be asleep by ten ya he sleep at ten wake up at five five o'clock, do a meditation five thirty uh bathe five thirty bathe five forty five, prepare his kids to wake up uh uh six o clock uh prepare them for breakfast by six twenty no matter what time that he can drags right estimated time by six twenty he will leave the house


six twenty he will leave the house send the kids or the wife to work school uh by the time seven seven to seven thirty he has his own free time to prepare a little bit of his uh backlogs by eight he will have his first appointment of work


so by eight where he has his first appoint of work he look at me so what time you wake up o'clock there one zero , uh okay then so I said okay then like what's next so okay uh then by eight


I said okay then uh by the time I finish let's say depend on how long my I my appointment like if he meet his clients or if he was doing his stuff, uh uh, like meeting and all by ten he finishes one and then uh ten to twelve will have his me time and then uh by twelve he will have another one then he ask me so what what were you doing I said I just finished one work


work load lah basically he said okay then two zero for me, and then uh that goes on ya and and that goes on until like three to four PM he's already done with three zero three three two ah at most three two or three one, so ya he said then he can spend more time with the family members and can work ya


part two positive experiences, alright


describe a travel experience that left you in awe, I remember that I remember Beijing the Peking duck the Peking duck moment


no their their their main selling dish is Peking duck, eh no no no Peking duck is a place Peking duck is a place


yes correct, so for us, we ate a freshly it's a freshly


ya and it was fine lah I mean I like it, ya but it was a good experience lah I will say I never had that before


ya plus with uh kids and a wife around I think it will be costing you more to all this


I think ya


actually think it's better, it's better to travel as a family because, I personally went there you know with friends but uh the, it's a different feeling you know you have fun but if if you have your own family to go there they they are the happiness is different as compared to young adults like us you know because I what I notice uh I've been to


Hong-Kong disneyland and uh Paris disneyland so both have similar concept but different kind of a different kind of a uh what you call it the, entertainment entertainment parks so I think I kind of like it I kind of like it but when I noticed those family members they are having fun among themselves is different from us young adults lah


because for us you know we have the money we we just have fun but if you are with kids , it's even better because if it's your own kid you know you you bring them there they are having share their joy together as a family I think that is uh even, more remarkable there ya that's my thoughts lah


oh no lah then waste time ah


ya probably after this all, things have ended ya I still, quite questionable end of the year or maybe early next year even the borders are not open, ya but if if you ask me


ya ya ya


because ya we have to be optimistic in terms of you know now is the best time actually to save money in fact I've been saving doubly more, then what I've been ya because I don't I don't spend so much into you know travelling I save at least half of my travelling expenses to work I spend lesser on food because I eat mostly at home and


I try to eat healthy I don't go to the to to pay for other gym membership except for anytime fitness, so these are all the cut down expenses that I save then I see eh actually I save more than what I have previously lah like a per month on per month basis I managed to save more so I think


it's a good platform to use this money as my happiness fund to work on it and then you know if I have a target to travel, probably next year early next year then I know that okay I'm not going to dampen my savings because I know this money I've been saving diligently


ever since the start of COVID


ya online purchases and all, ya I think that's a in and out kind of thing lah but as long as you know, your your purpose in in what you are doing I don't see a fault in it lah just that don't fall into negative aspect I think that is certainly fine


correct, school can't work


make sense lah I'd say it's legit lah,


, uh which topic would you prefer


ya lor, this is quite deep and interesting


obviously we can't I don't think it's a


uh NTUC, understand


ya I think it's more of a self entitlement, ya this kind of little things we we we no I think we are we are very uh


self centred society whereby as long as I pay I earn it as long as things are free I own it, I think this kind of analogy of a singaporean's mentality is very, uh much uh sad because


we don't, you know simple things like uh if you travel more you will see you know even in McDonald's ya it's just uh a bit of sharing, that if you go to fast food centres after you finish your meal if you don't take it and throw it it people around you will give you a death stare


eh probably we are quite well known as a you know I'm not trying to say chinese or what but europeans or americans as long as they see us asians they will always associate us with a chinese, chinese china you know not the chinese singaporean or wherever country we are from but they just label us as chinese because we are asians maybe because they don't they don't expose themselves ya it's a typical stereotype I won't say it's racist but


the people I spoke to they told me that they of course lah I mean uh in a society asian especially in asia if if you don't travel you won't know what how would they look like, and and and most most china people they are simply everywhere in the world so that's how in every small countries like if you tell me uh


where where like gwara, gwarerero is it what's the country name I can't remember ya that like simple country like that if the chinese people from china they are there, you know they are only only known for oh asian chinese so it's I don't think they are wrong or they are being racist


it's just the way that I never seen this thing before just like for us if we see a european or american as long as they are white we are we just tell them #ang moh# what we don't even know where they are from what they can be italian they can be uh from a native uh scandinavians


you know but it's not the way of trying to tell them that we are racist no but it's just that we stereotype them as ang moh because they are just white ya, so ya back again uh McDonald's or whatever they they will look at us in a way that eh what the hell is these guys doing


ya not putting their food back to the tray it's something


clear what you shit right that's how they they they they works, so even plastic bags also over here they are complaining because, we are given free plastic bags for every purchase in fact we can get two three four plastic bags but over there there's no such thing bring your own bag save the earth


bring your own uh bottle bring your own uh uh utensils, ya so, ya it's a different kind of culture ya ya ya ya ya some car some shops do it's either that or you use your hand to eat lah


this uh ya what yup, ya we are we are we are laggards we are laggards because uh things won't last long


even if let's say both of us or three of us we are buying a straw to, keep the the user friendly or keep the earth clean, but not not everybody wants to do that what even like our parents you know every time they will ask ask for more straws ask for more this ah uh it's just their mentality ya just


the mentality of singaporeans I don't blame them but are we are too conservative and too self entitled that everything is, us we demand everything so I think it's sad lah I mean a good way we are safe government is trying their best to help us but


nobody is going to help us if we don't help ourselves lah that's all


but I went there like three times in a row, in Paris, that's right ya, ya you can smell piss piss


piss people peeing in the lift you know that kind of thing ya, so you can, ya is it it's just dirty lah albeit I don't like it but it's a representative of uh parisians in france but if if you have a chance to travel don't take too long in Paris spend more time in the suburbs


because I got a good feedback uh people welcomed me better in the suburbs area ya so you travel to the north like Nice maybe, maybe in monaco I haven't been to my next plan for fone next year maybe to monaco


monaco is a country by itself but it's uh separated from france just beside it but uh ya you can go there you can go north to the Brittany where the people are so much difference ah, they live because they live in a near the beaches


you know it's a place where, you you will find your zen there lah , very countryside see people ya, ya so ya lah that is the thought of me that's why I don't like my next travel I will only travel to city area because of my landing point in the airport


then uh I will take one or two days and then the rest of the days I will travel to the suburbs or the places where there are not much touristic touristy people


but uh someone who is not married is okay lah because I'm a lone ranger what I I when I travel I don't I don't have to bring baggages with you know like my parents or my my my kids lah so I think it's easier for me ah


and it's cheaper also because ya it's cheaper also because, I just carry a bag and a luggage you know I can stay in airbnb I can stay in someone's place like couch surfing make more friends you know there's more more of the


the lifetime experience ya


prompt one of uh


uh ya I have a savings account I use DBS I use Standard Chartered as well so so far I like I like that DBS is uh all over singapore such that uh whenever I need to do transaction or any cash related products that I need to go over to the counter I can easily


go to the bank what about you do you have any savings account


HSBC okay uh I mean do you find it very difficult to find the banks,


, yup then uh for the accounts that you have they're all normal bank account or do you have any high yield bank account


oh same


that's right


yup, uh same thing for a high yield account I have DBS multiplier OC three sixty I also have Standard Chartered uh uh high yield account


so I try to just hit my spending on one of the accounts so that I can then clock a higher percentage so experience so far is that I check my internet banking for how much I spend on a monthly basis so that I can at least hit the higher percentage


but uh sometimes I forgot to check and then, I uh exceed the amounts so I feel like I didn't I didn't really make use of everything I mean if I exceed the amount I could have change to spending on my multiplier so that I can maximise on the percentage, so I do try to check and maximise on it as for fixed deposit only when I was younger right now no I don't I do not have any fixed deposit


uh the interest is very low and and also once you place in the fixed deposit usually you it means that you do not need to use the cash for at least the next one year so right now cash is quite liquid to me so uh I do not have a fixed deposit


, yes I use both credit and debit card so credit card I use Standard Chartered and only one credit card because I'm afraid that I forgot to pay the bills uh for debit card I use POSB and also Standard Chartered what about yourself


uh similar thinking I like cash back cards as well because immediately you can see the incentive uh for miles I have not redeemed any miles so far even though uh I do use miles card


uh no no I have not redeemed any miles but I understand that for miles card there is no expiry right so for now have not redeem any miles


have you redeem any miles


I have not bought any insurance products from banks, ya what about yourself


interesting when you are selling it I thought it's more likely that you will be buying it since you are probably convinced that the product is good right


yup, same thing for banks it's very limited so if I only use uh let's say Standard Chartered they only offer Prudential products which might not be what I want so I like to have my own uh financial planning in a sense that I like to have my own scope of what type of insurance I want for what kind of plans


so I have not bought any insurance product from banks, but I think people who buy from banks are because they feel that it's more trustworthy they feel like they have something big that is backing up their insurance products and, and they feel uh assured that they can look for the people there anytime they want don't need to fix any appointment with their agents and so on


ya but for the experience of purchasing investment products, I I did I buy unit trusts from banks so what's my experience is that I I like it because I can monitor it on my internet banking so that makes it quite transparent and also convenient I don't have to go through any third party platform


I didn't receive any advisory because I didn't visit the bank to buy the investment products, I bought it through internet banking so that's uh no advisory so the experience is that I like it because if I were to redeem it immediately the next day I will see it in my bank account so I like that it's very uh convenient to use


, so I started getting a bank loan from uh ya from the bank when I was studying a study loan


I got from OCBC that time as well so I like it because after I graduate I pay back and then there was no interest they were also very helpful so moving on when I uh started working I got a, home loan from OCBC as well so reason why I got from OCBC again is because of the interest rate


and the experience wasn't uh fantastic because I feel that the banker which is a mortgage specialist didn't really inform, uh when will the when will the when will the tiering of the interest be and so on because it's a BUC so there's different different tiering of the interest rate anyway there was no information it was just a sign and go so I feel like the service could have been better


uh you do have any experience of getting a loan from the bank


I feel that couples should have a joint account but I also feel that they should have their own personal account for them to spend on the things that they like, uh and also for them to buy gifts for their fiancee without letting the other party know so yes they should they should have a joint account


uh do I have a joint with my partner yes I have but then it's not a, an active account so so far I don't have much experience because we don't really use it anyway so I feel that a couple can better better better have a have a better experience of the joint account by using it more actively for example for any of their joint expenses


I think it's a good way to manage their finances #wee you# do you have a do you think that couples should combine their finances


do you have a joint account with your partner


I feel that a child should be given an ATM at a younger age maybe fourteen or even younger child because they will have their red packet money, uh I would like them to save it somewhere so that since young they will they will they will know the importance of saving so probably


, so also whenever they have a red packet money then they should go to the bank to deposit their money or do you think that a child should just leave it in the piggy bank at home


ya so uh ranges from child to child but on average I would say around fifteen, fifteen fourteen so to know that to know the importance of uh saving and also for their accessibility they they should be given this responsibility to know when they should withdraw their money and when they should deposit their money


some may argue that banks' interest rate are, unattractive uh whereas others feel that the money is safe and accessible what do you think do you feel that the interest rate are unattractive


, yes uh banks' interest rate are low but it is uh liquid and they can withdraw it anytime they want so I do feel that uh people leave their money in the bank because it is accessible and safe so for that and with the given interest uh it is still better than leaving it at home


, no uh I wouldn't save the money in the bank but uh maybe just a portion six months of emergency cash okay maybe one year of emergency cash and then the rest should always invest it somewhere


prompt two slash four part three negative experiences


ya have you gone through any loss in your life


(ppc)


ya when I was younger as well uh both side of my grandfather pass away but at that point of time I think I was much younger so I don't really I don't really remember the details of how my emotions how I felt at that point of time


but I could uh vaguely remember that I was more concerned about my parents' feeling so I think very similar for now uh recent years my grandmother pass away and I live with her for the past uh five years, so the relationship is closer uh I I felt sad but then also at the same time it was kind of expected because towards the last few


weeks and months she was in pain and and then we all know that it was coming lah so it was kind of it was not a shocking loss ya same thing, my emotions also more concern of my uh dad's emotion I'm very worried that he will be very sad and then he won't be able to cope but then it seems like everything is okay he's able to cope so that was my uh emotions I was more concerned about how people cope with it


ya what makes you stress then


I think I get stress out quite easily so things that make me stressed will be very small things that for example, uh people waiting for me for too long or if I'm supposed to, meet as I


if I'm supposed to meet at a certain timing then I'm late okay which is the same thing as uh people waiting for me for too long or I uh give the wrong info about something and then there are consequences that the person will have to face I think such things makes me stress cause I feel like I'm responsible


for it and I could have done better so this is what makes me stress , what is the most traumatic incident you've never you've ever experienced in your life


, (uh huh) not not to the extent of like a trauma but then uh, I am easily frightened if that is near uh, I am afraid of insects such as cockroaches so if I see a cockroach right before I sleep usually I'll dream about it after that so I think that's what makes me frightened the most and uh sometimes in my sleep I will suddenly wake up and dream about it so I think that's traumatising for me


if I see if I see the particular insect before I sleep and then sometimes in the middle of the night I will dream about it like dream about having having it near me and so on and then so I guess that's what's traumatising for me


I think at this point of time I don't


my goals are all very like life stages I want to I want to uh get married I want to have a kids all this, and these are all very life stage goals but then in terms of career goal and financial goal right now at this moment I don't have a clear goal I think because I don't have my I just don't have a clear goal in mind which I don't like it because I always like to have something that I'm clearly and I know what I'm


looking forward to so the biggest thing that holds me back is because I don't even have a clear goal right now, ya, so I think that's very bad and I'm trying to work on it as well what's the biggest thing that hold you back from your goal


ya yup that's right


ya I cannot think of one particular time but then uh sometimes I envision something to happen and then it doesn't turn out as ideally as what I


imagine it to be so I think that's when things turn out not meeting my expectation but again I I don't really get uh too disappointed because I just feel that it is good to envision something that I want it to be but uh things don't always turn out to be what I expect


so I'm okay with it and I don't really get too upset about it, (mmhmm), what about yourself do you have times when things turn out not meeting your expectations


can you think of one particular incident


yes felt helpless when I cannot think of a solution very uh minor things like if my laptop is spoilt and I don't know how to fix it at that point of time I'll feel helpless,


ya do you have a time when you felt trap or helpless


no eh not in particular I I am quite


, I am quite forgetful so if anything that someone said that hurts me probably is only at the few, that few months or that few weeks even after that I tend to just forget about it so there's nothing in particular that I still remember that I feel hurt about


then what about you do you have any hurtful words that someone said to you


(hmm), uh, I'm a very insecured person so I'm often worry about me being not good enough and being uh


ya being not good enough, to and then worry about disappointing people around me worry about people leaving me because they're disappointed or worry about ya will just worry about me being not enough so I think that's something that I worry about the most frequent


what do you often worry about,


ya I guess so I think that'll be something that I will want to change I uh, uh like, I I I admire people who can uh speak well who have full of confidence who


are, ya who are confident but I don't think I'm someone who uh are confident inside me even though maybe some people feel that on the outside I look like I'm confident but actually I'm not so I think that's something that I would want to change about myself because I want to feel more secured, so that I will never worry so much about how other people think about me and uh what if and I won't think about all the what if that will that


that didn't happen anyway, but that is something that is quite difficult to change because I have tried changing I've tried uh doing things that make me feel more secured like writing down writing down things that I'm thankful for writing down things that I'm good at and so on but then it doesn't really change so I think I've tried and then I will never be able to I guess what about yourself


no ah at this moment I mean when you ask then uh that's one thing that come out of my uh head right now, but then if I really sit down and think about it uh there could be more more things that I would want to change but will never be able to since we are on this topic then yes this is one of the thing that I would want to change


do you have anything that you would like to change, , but those that I mentioned about uh being confident and secured about yourself I think that is good though


okay but then okay but then character wise sometimes it's difficult to change don't you agree but it's still uh not something that is impossible what it's still going to happen just that it takes time and effort right


describe an event that make you very angry


(mmhmm) (mmhmm) angry


angry


uh I feel angry when people accuse me for things that I never done so so these are the events that I feel angry so


ya uh from what I can recall but it's not really angry lah I'm just uh bothered by it at that point of time but then uh so in my previous work, the manager says that like I have been spreading news and I am someone who is uh very very I like to uh talk about things and so on but then I think that is totally not


true so I think when people accuse me for things that I've done that I've never did, , like bitch around but I don't know what's other word ya bitch around ya gossip but then I I didn't because ah ya so anyway that's something that I feel accused because it's totally not true


saddest scene that I've ever witnessed


ya in a movie I could only uh think of movies I think it's very sad when people lose their children uh which I which I think I saw it in movies before parents losing their children over an accident and so on I think that's a very sad scene


, I think it's a korean movie that I watched time's up


part two positive experiences,


best birthday present is something that was uh very personal something that was, handmade from someone special he gave it to me on my birthday a handmade card and together with flowers and came to pick me so I think it was uh the entire package was very special to me so I really enjoy the entire birthday dinner and that


so far the best birthday present so the reason why because it's man made and I feel like there were a lot of thoughts that was input into it so I like it and appreciate it what about you what's your best birthday present


okay so uh what is a comfort food that you can always rely on to cheer you up


you like spring roll did you say that steamboat, oh I thought what a weird uh comfort food I I I like steamboat as well


comfort food that I can rely on uh something soupy like steamboat is quite comforting, but something that would really cheer me up is uh things that are sweet things that are chocolatey cause I generally like uh sweet things I like ice cream I like chocolates I like


uh yogurt I don't know if that's considered sweet but ya these are the food that would cheer me up but if I look at what's a comfort food to me then I think probably steamboat similar to you what do you love most about yourself


why why do you feel that you're observant I mean it's based on uh how how do you feel it how did you realise that you're observant


I like that I'm kind hearted so err ya kind hearted I will never uh have any hatred or harmful thoughts on people so I think so I think that's one of the thing that I love about myself


, I purposely miss that because I don't know what's the biggest blessing in disguise you have any examples of yourself first


I'm I'm so glad that uh such a blessing such a bless such a blessing happen to you


uh even though after hearing your example of your blessing in disguise I cannot think of any example for myself so I will try to brainstorm on blessing in disguise next time uh


I look up to people who can speak very well, and who has a form of charisma uh there's no particular person there's no particular person but I enjoy listening to people speaking who have a very fluent


fluent way of speaking because I feel that it it uh once you can speak well there will be a bigger influence on people around you so I look up on these people but there is no one particular person yup you who do you look up to and most and why


yup, it's important to be good at what you do


describe a time uh there's no particular one time but then in general I feel appreciated when I uh see rewards so when I see when I see that when I see a rewards for my hard work I feel appreciated


, ya, so rewards can be uh in many many different form, , but any kinds of rewards I will feel appreciated do you have a particular time that you feel appreciated for your hard work


I see , perfect day for me will be uh a day that I can sleep to my fullest so I will wake up naturally at probably around ten plus and wake up to a nice coffee and breakfast so nice coffee to me it's


, !aiya! just nice coffee coffee from somewhere that is that serve good coffee beans and then a good breakfast such as croissant, and then after that I can go somewhere nice with air con and go to a outdoor place at approximately evening timing I think that would be my perfect day and end off the day with nice wine or beer


what's a perfect day to you,


!wow! okay


steamboat


(mmhmm) (mmhmm), uh, actually there are many times that things turn out better than expected because !aiya! I think a lot of situation I will try to imagine uh what will happen if


things don't turn out well and then I will try to imagine the worst case scenario so a lot of time it turns out better than expected but this is, , uh example


, uh , in my uh most recent and most uh, fresh memory is that uh is that uh, me and my boyfriend applied for a house and then we thought that it wouldn't come through so in my mind I was thinking of all the things that could happen


that wouldn't come through err as in like we couldn't get the place and so on but then it turn out better than expected which was, which was something that I'm still very happy about so I think this is one particular moment that things turn out better than expected ya you do you have things that turn out better than expected


oh uh recently someone said that I am someone who I'm someone that he knows is a kindest person so I think that's a nice thing that someone has ever told me because, uh prior to the few questions before that I mentioned that this one thing that I love about myself and then it's just like a validation which I'm very happy to hear about it and then that's the nicest thing that someone has ever told me you what about yourself


, what was the, what was the happiest moment in your life


similar I love traveling and ya the happiest moment in my life could be traveling as well I like to experience a different culture and a different sight seeing experience


in recent recent years I went to Yogyakarta which is also one of the most memorable travel experience moving on to the next question ya cause I think there are a lot of uh different activities that I did that was the first time and I would never imagine myself uh


experiencing such as tubing and such as uh such as climbing a mountain that was different that was bromo but then it's just this kind of memorable travel experience that I like it and it's one of my happiest moment


what's your most memorable travel experience, why is that your most memorable


can we skip that the oddest or most unique complement can can we skip that uh what are you most thankful for what you thankful for


, yup I'm I'm uh thankful for the people around me I think that they make a they uh put in a lot of meaning to my life if not for the people around me there won't be any uh meaning and there won't be any thing that I look forward to so I like to spend time with people that I that I'm thankful about


so these are the things that I'm thankful for uh I think what you pointed out is it's, uh true thankful for what, what's, upcoming for the unknown because because of what lies ahead it's totally unknown so there are a lot of things to achieve and a lot of things to


live that we don't know how it turns out to be, what did you use to hate as a kid but now love as an adult


, I think as a kid uh cause I eat home cooked food every day so I look forward to heading out to eat and I look forward to eating fast food meal, but then uh now as an adult I eat home cooked food very seldom so I love it but I don't hate it last time as a kid just that I dislike it more I prefer eating outdoors but now I prefer eating at home so I think that's one thing that I've changed after I became an adult


ya so looking at the chat box what is the biggest uh no what is your best surprise, okay


think to unwind and relax will be to chill with uh to to be hanging out with my loved ones and with the people uh with my loved ones err I think when I hang out, after a, after a chilling session I'll always feel very energised after that so that is something for me to unwind and relax


oh my god


ya it kind of hang can you all can you hear kay can we continue can right, okay uh yes the the appen app on my phone is still running and I think I hang right


, oh no okay okay can you see me can you hear me though can right okay, okay, kay uh ya


biggest surprise, uh , uh I think my my memory is always very short short lived so anyway uh biggest surprise will be something that happened recently it's a a life changing moment which I don't want to go into details but then that's my biggest surprise


, , it's a something that I uh really look forward to but then it is still quite surprising because it's uh something that I that I look forward to


so it's a it's not a it's not a shock, it's not a totally surprise but then it's still a pleasant thing that happen to me so I think that would be the best surprise uh yup what about you what's your biggest what's your best surprise


[oh] that's nice, on the appen right


prompt one out of four


okay you go do you have a savings account


I do I do so I maintain err, POSB OCBC as well as, HSBC but,


HS okay I if you are talking about the HSBC ATM right I think they share it with Standard Chartered Maybank and Citibank so but then of course the presence is much lower as compared to local banks like DBS OCBC and UOB


uh but then I I don't use the account much in fact I don't use it at all because uh it's hard to find the ATM in heartland areas, you the the ya, the most you see would be in CBD lah but they still the easiest to get to POSB or OCBC or UOB


three sixty, the


and multiplier which but I think, I think you have to choose either one to credit your salary in order for, the bank to give you the higher interest the higher yield, eh and other than that uh


I believe the higher yield will come from, if you pay your bills through it or use their credit card, but usually there's uh the cap on the bank account balance that they can give the higher yield on


your yourself have you done any fixed deposit


moving on do you use uh


, I do use debit and credit card but usually credit because for credit card you can actually gain points cashback or mileage uh the credit cards I hold


would be from, POSB the POSB everyday card and uh DBS altitude, and, OCBC three six, five ya these are the cards that I use most but ya same uh like what you are doing I try to consolidate my spending on one card


so as to gain maximum rewards either in the form of cashback points or mileage ya, so which means uh which brings us to the next point lah cashback points or miles


what type of credit card do you think people should be using, so for, so for myself right uh I used the one for cashback because I think, with cashback you get to choose whatever you want to do with that rather than uh have it


in points which you the the the gifts that you get to redeem is more limited, and miles uh right now you can't fly so


have you err redeem any miles before


it depends it depends on the, the card that you use some credit cards they have an expiry on the, on the validity of the miles, so ya I from what I understand Citibank and DBS


they don't have an expiry so I think most of the people who use uh the credit card for miles would get it from these two banks also they also uh another factor to consider is the conversion rate lah


one dollar to how many points how many miles I mean ya, uh no I have not I still keep it in my credit card to, use it in a go I think so that I can maybe exchange for a business class ticket


ya, so err, then next one, your experience of purchasing insurance products from banks


I have not because , I used to work in a bank, and ya , I used to uh


for all the the next pointers those about uh, bank products I used to be the one selling, so I never got to buying


err well it's, the the, each bank will only have one provider so sometimes the, a plan of uh that particular nature may not be the, best one


I mean for me I'll try to go for what's uh best in the market but sometimes people who actually go to the bank to buy all this they're familiar with the bank, and know that err they can always go to the bank to help them with any issues lah


so I believe that's why they do it, but sometimes you know were the the bank may not have the best provider, ya, that then why why do you not uh purchase, why have you not done any purchase then


err so how's the experience is it, is the investment experience good, in terms of maybe the advisory in terms of, your returns


okay, alright next one would be loan


yes all the loans listed home loan car loan student loan, ya same thing in school, I think ah ya I took on a student loan to, for, the overseas exchange then after that when I started working I


took on the car loan from Maybank student loan was from, I think OCBC I believe not all banks offer student loan, Nah not very sure then, then home loan as well


so, features of the loans would be the tenor I guess student loan typically, uh, they they start charging interest after you graduate I think it's interest free while you're still schooling and the interest is


I can't remember but I think it's quite high, car loan the interest is okay manageable at that point in time was about three percent for me two point eight eight and then car loan is a maximum of seven years and home loan


home loan you can take up to thirty years, uh interest is low ya, correct about one plus two percent, okay do you think couples should combine their finances and open a joint account


I think for convenience and simplicity yes lah because couples if uh if it's a married couple there will be joint expenses like mortgage like the grocery shopping utilities et cetera so


this one will, will be I I do know of people who separately pay for, individual items but in this manner then it'll be more convenient lah, the couple will just save aside a certain amount so that you can


take care of all this yup, so I feel for that reason yes, okay, yes I do I use uh OCBC


it's also the three sixty account the the one where you enjoy higher yield, based on tiering of your spending and savings et cetera, okay, next one at what age should a child be given an ATM card to manage their own bank account


so, err, what do you think I think myself I, I can't remember the, how old I was until I got my ATM card I think maybe eighteen when I was in army when I actually start earning money


so my belief is also, but nowadays the it's a bit different now, because a lot of things are cashless people don't bring around cash that much when I was younger


I, my allowance everything was in cash, so uh, back then, there was also less less cashless payment methods available when you go out


so times have changed but if I were to use err the the same way I was brought up then I would think ya at least when they're when they're old enough in, in university


army or university lah say eighteen years old


why did they don't need an ATM card to save, into that account ATM card allows them to draw on the red packet money I think that will instil a sense of spending rather than saving right,


they can deposit into the bank but err it can be over the counter or it can be in a joint account with you whereby you hold the card so that uh I think this one gives them accessibility to the


funds in their own bank account it's whether they you feel that they have the responsibility and the and the know how to, to manage the money


uh yes I think that it's not attractive but, it depends on the economy for sure as of now we are in a low interest rate environment so but there isn't uh just one way to think I think for investment


uh the key is diversification lah they can't have everything in, the bank accounts at low interest rates but they can't have everything invested as well so they still need the liquidity and, uh


ya cash to touch on should they need it your opinion


ya but for in light of these would you save your money in the bank or invest it would you


prompt two slash four part three negative experiences, okay


yes I have a, I have a few times I guess so uh last as in the demise ah of my grandparents when I was quite young


maybe in primary school, ya not not at the same time lah so both of them but within the span of three years I would think ya but I was quite young I could remember myself being very sad because I was very close with them I grew up with them and


the next time would be my dad when I was in secondary four, same thing but maybe because of my age I


I couldn't really err I mean I just remember feeling, sad , all part and parcel of life so


for myself it's nothing special that I did just just uh, go on with the the day to day ah, yup and over time, I guess it gets better yourself any loss in your life


, finances I guess I guess uh


I guess that's that's also, that's also part of work as well, so stress comes from fulfilling targets fulfilling uh KPI


but ultimately translates to money bonus commission so I think usually what makes me stress is the is money if anything lah but typically I'm not, at least I don't feel like I get stressed out a lot yourself


, traumatic I I can't recall any ya not really I don't really have any traumas yourself do you have anything


you wake up and dream dream about it,


okay uh biggest thing holding you back from your goal


I think I'm not hardworking enough


I try to be and if anything maybe uh what I can think of ah would be this ah not being hardworking or lazy (hmm) this one this one will hold me back from my goal


uh !wow! , so let's discuss the child who is not embraced by the village will burn it down to feel the warmth, has there been a time in your life where you have come closest to starting the fire


so I guess it says uh you, you don't get something and then you become destructive, the destructive to in order for you to get uh maybe notice, ya


that that will be my interpretation has it been a time whereby you have uh come close to this, maybe you can't get something you want to destroy that thing, so that nobody else gets it


no ah (ppc), I, ya I would think that uh it's something that I can slightly relate to


that uh okay, so, in in a in a sense that if I can't have it then other people don't have it that will be better than somebody having it and me not having it,


I can see how lah but uh I I've not come close to starting a fire, in this sense kay describe a time when things turn out not meeting your expectations, I think this is very common I guess


(mmhmm) do you have a time like that


I mean like like I said it's very common and, ya for for my job maybe so, I I mention that I made a career switch and you always do so when you


you plan to, to advance yourself to go for greater things but it turns out that the, the expectations of how it is outside is different from how I, envision so in terms of job recently maybe


one year plus ago ya that that would be one notable incident where things turn out not meeting my expectations kay do you have a time where when you felt trap or helpless


not that I can recall, I believe that there's a solution ah to everything just that maybe at that point in time you don't have it but you you can uh try to find resources to to help you with it


so instead of feeling helpless I think I would be more uh eager and active to solve, the problem at hand because I think if I think somebody will have a solution or maybe time will make it better


so not not really okay hurtful words someone said to you that you wish to forget


then what do you often worry about,


uh no not really I I don't really put uh put other people's words to my heart so much I mean if if someone is err if it's someone that you really care about


they probably won't hurt you, won't say things to hurt you but if it's someone who is not so significant then ya I probably don't remember even if it something was said ya


so ya what do you often worry about


I don't worry so much, ya I mean could be uh, , maybe too carefree but I generally don't worry about things I try to do things that will alleviate this because ya sometimes worrying I if if there is something that you can do


then you go do it but then if it's nothing that you can do worrying doesn't help you so generally I don't worry so much ah ya, is there a, is there a one thing you wish you could change but will never be able to maybe your insecurity


so this is the one thing that, the what the greatest thing that you wish you could change ah


I mean there are things that uh I may want to change about myself but why is it will never be able to, unless it's something that is uh genetic or physical like I want to be two metres tall I will never be able to change that but everything else if it's within you then


uh with effort and time I guess a change can happen, so I


yup correct so there's nothing that you will never be able to just how how much effort and how long it takes maybe not immediately, but eventually if you stick to it I guess that that can happen or at least improve


okay then uh, angry where uh, event that makes me angry, or or sad


, angry ah err, !wah!, maybe (ppc) maybe when you when I'm on the road and then I see very reckless drivers sometimes I feel anger but not but very short lived lah


I would think that uh it's not just their lives that they're endangering but also other people on the road, you, when was what is a time where whereby you feel anger


any notable instances


!huh! uh says that you like to what


okay then uh is there uh you can you describe the saddest scene you have ever witness


can you describe (ppl) (ppl)


six, part two positive experiences, okay go what was your biggest uh no what was your best birthday present and why


I go for practicality so


I think uh it was a recent birthday present I got a shaver I find it very useful so that will be my best birthday present, yup , so next


I like, I like steamboat I like no steamboat steamboat


, okay so, err something, to rely on to cheer me up may not be steamboat but uh, I don't really have a comfort food but ah ya


it if it's a favorite food then is that, yourself what is a comfort food that you can rely on


I love that uh I am, detail oriented meticulous and, maybe observant, yourself (hmm)


it may not, be validated but it's just something that I think that I'm rather good at which is


what I which is one of the, traits I love most


what is err what is your biggest blessing in disguise think we missed that


of myself , blessing in disguise, okay blessing in disguise maybe work wise sometimes uh it's a bit vague but sometimes you you make certain uh career decisions and


initially it didn't work out so well but later on uh it could be, a good thing that you make the switch ah or the transition so in my case uh it'll be, be changing companies


okay we will move on then , okay so next one will be who in your life do you look up to the most and why


is there a particular person in your life


look, up to most I can I can think of a few people I look up to but uh I would say that uh these people what they have in common would be that they're very good at what they do lah


in terms of uh, career and, profession so usually uh the the, the managers I have come across in my life those who are very those who have very good leadership and very good at what they do


then uh ya, next one would be a time when you got appreciated for your hard work


that's the that's their description okay


pay day lor pay day will be the day the time, yup describe your perfect day


my perfect day looks like this , waking up feeling very well rested and refreshed going for a good meal, and then


maybe a a good workout, okay and then uh another good meal for lunch, and something relaxing


like a movie, and then a good meal again like , , maybe ya maybe not steamboat but somewhere with a good atmosphere and then ya that's about it good food and not the not too hectic or stressful a schedule


kay next do you have anything that uh when things turn out better than expected


is there an example you can think of, okay


(mmhmm) okay, uh, I can't think of one particular example but ya life


sometimes uh works in mysterious ways sometimes when you don't expect things good things come your way but I can't think of uh one particular moment so next one would be nicest thing someone has ever told you


nicest thing someone has ever told me err , nicest thing, I guess would be, would be people telling me that uh


that I'm very proficient in, what I do what I pride myself to do, in terms of work , those are nice things to know,


okay, happiest moment, , I like uh, I like moments


when I'm travelling, to to different places to take in different sites to enjoy different sceneries and experience with uh with my loved ones so


I think when I'm traveling with them that will be that happiest lah, yourself,


uh I've been to, myanmar , because is not very, common people don't typically go there for fun so I happen to


to have the opportunity to go there and it's not a very touristy place and I wouldn't say the the experience is the most memorable but I would say that it is quite unique, hardly people will go there and I got to see it lah so that's


that's one of the more memorable places I've been to of course there are a lot of other places that are very nice that are memorable in other ways but I think this is worth mentioning , yup


next would be, oddest !huh! what, thankful for thankful for life thankful for


the people around me thankful for, everything that I have and that the future is still uh is unknown and exciting there are a lot of things to work for and to achieve ya yourself


(hmm), I can't think of anything I ya err I my my memory of my err of my likes and dislikes as a kid is quite faint but I would think maybe last time I


I don't quite like to rest , very active but now as an adult I would I'm very thankful for all the, all the time that I get to uh


get to sleep get to rest


the favourite activity to unwind and relax maybe that will be that's easy yup so you want go first how what is your favourite activity


myself I I like to read uh comics so in my free time when I'm alone that is something that I will do and maybe, even before bed so that that takes my mind off things or uh it's just uh something that I like to do lah so I would say that is the activity for me


and then uh, biggest surprise you want to


don't want to go into details you can at least give some information this is not giving eh this is just saying nothing


best surprise uh recently would be, when, when I was uh no it was on my birthday and then uh, I was asked to go to somewhere and then


when I went, I was very surprised to see my friends all gathered to help me celebrate my birthday and uh and within the same day, two separate occasion two groups of friends


for that [ah] ya so that would that would be something for me and we are done, (ppl)


financial related topic, uh no I I don't have any insurance uh right now uh because of uh firstly I'm a student and err insurance is quite costly


err no I don't cause I ya cause I I'm I uh like for yourself you are working full time right but I'm a full time student so I don't have this uh coverage the CPF insurance coverage


uh personally I feel like insurance uh like if you were to deal agents I don't really want to because like some sometimes they're like they're, err motives or their interest may not be genuine and why they want to sell to you like I have, I have friends who who uh who DM me on Instagram like


hi eh you want to catch up but then secretly I I know that they're, uh insurance agent so like I like I like for me those kind of motives like okay you you wanted to hang out with me like after , uh a number of years uh but the the motive is actually just to share with me the insurance that you want to sell to me and then err and personally this kind of things uh err is why I don't want to engage any agent


cause ya like I do like cause like if you book through like err budget airlines they they they give you an option to buy uh travel insurance so usually I will buy in case like anything happens to me uh overseas I can at least claims uh claim whatever expenses I I incurred


to be honest I don't know I just know that as long as I purchase these travel insurance I'll be covered if let's say I'll I'll uh eh incur any medical expenses or if I were to lose


my uh personal belongings I I know that I'm insured and I can and I can claim from uh this uh budget airlines


no it doesn't so it's like if I for example maybe it costs you additional uh K let's say fifteen dollars so you just pay the fifteen dollars but let's say if you don't don't incur any of these uh unfortunate err situation then you won't be able to claim these deposit uh this amount


personally I feel like the government insurance I think that's enough for me like personally I won't I would not want to buy insurance from uh the the those in the private sector like AIA all these all these I I personally I don't I would not want to purchase


ya I I actually I do agree with that because, like uh maybe for more chronic ailments then I would say insurance uh insurance are important but if your if your lifestyle if you personally you will know if your lifestyle is is something that you know you won't reached to the point that you will reach chronic illness like diabetes cholesterol all these err


uh, uh you uh uh I would say government insurance is more than enough, and I mean besides just covering on health care like people usually buy insurance maybe for uh savings ya so what so what are your thoughts on on like savings that you can purchase from uh uh private insurance


I I actually agree with you on the lock down uh the the insurance usually this insurance company they have this lock down period like okay, every month you you will you have to, transfer us maybe five hundred dollars and then within the next thirty years after you you uh after the lock down period we will give you uh a stash of thirty thousand


you you start doing it like uh in your mid thirties or your late forty eh your early forties I think this is not worth it and then and and and at the end of the day , because of this lock down period and let's say if you were to terminate it you actually lose all these uh amount of money that you will actually uh give to you give to this err insurance company


and then let's say if you uh have uh an unfortunate situation where you lose your job or you are not able to sustain this five hundred dollars every month to this insurance company , and then you will want to catch out the insurance companies you know during this lock down period you're not able to catch out so whatever you you will have to me whatever you err you give to these insurance company will possible be burned out


I feel like there's uh for this mindset maybe there's a generation gap back then people believe uh people believe that okay if I give money to the insurance company I'll be forced to uh to contribute this uh this amount of money every month and at the end of like maybe ten uh ten to thirty years uh depending on your lock down period you can get this amount of money


but for us uh actually uh for us our generation we prefer this flexibility okay let's say uh I'm going to experience these err let's say I have hardship that I'm gonna experience one day at least I know okay I this uh set set aside maybe ten thousand dollars in my bank which


every month I also do the same thing as insurance I give five hundred dollars but instead of insurance companies you give it to your second bank account and and but then that that depends on uh on yourself lah whether you are, uh whether you are how to say uh


uh discipline enough to to to contribute that that fixed amount of money every month and you will never touch it unless you need it


ya uh ya agree


okay for me usually I'm not really very savvy in terms of these interests from all the different banks so from word of mouth from my friends, they did mention eh err since we are student right standard chartered uh is offering these err these interests at two uh two percent per per annum


so like then I'm like okay okay as compared to my current plan, recently I think less than one percent so I was thinking okay might as well I save whatever money I have in my bank account to Standard Chartered and you can you can accumulate but because of the recent err err COVID pandemic right actually Standard Chartered did reduce its err student plan from two percent to one percent but


ya they did recently just uh reduce the the interest rate but I think at the end of the day is still better than saving plans from most err other from other banks right


okay that is uh I mean, correct because as a student now I I am not able to do not able to do so but maybe once I have disposable income then maybe yes, to find alternative way to grow my money then rather than just using the banks


yes agreed


but I I really think that insurance company don't have this I mean usually when you go these insurance company they will collect premiums and then they will have this lock down period and then it this leaves like I think for for people like myself or even our generation


this is why we don't want to engage private insurance because of all this policy and and more often than that right if you want to claim something from this insurance company , is is actually quite a arduous task like I have friends who mentioned that they just want to claim for a simple hospital fee but you have to submit so many documents just to get that coverage so I don't understand why this insurance company are able to collect so much premiums from us and some and more often than that we don't even use it


but when you want to get the coverage you you have to go you have to you have to go , correct err just to, just to get this err coverage from them so what are your thoughts on it actually do you have any like experience from it


and also more often than that I find that when you engage agents who sell you insurance, based on the needs and wants that you want that you that you require err I think more often than that this all this agent they don't share with you the fine print into it of the contract until you sign the contract and you when you wish to


get a coverage of claims then they said oh uh because of what you sign you actually did eligible for this amount all this, but more often than that all these people who sign up with for with this uh insurance company they they don't know because they rely on their agent to to break down the contract to them but sometimes these agent maybe they they have their own motive to hit their sales target and if they feel like if they were to share with every single fine uh


fine print uh of their contract this this this uh, whoever would want to sign with them will not be err uh I like how to say they they don't want to sign the contract with them and then they won't get their sales so most of that I think all these insurance agent I think is


I'll say this they this this eh this genuine ah they are not genuine when they sell the the the insurance to them because at the eh back of their minds okay I'm only selling this so that I can hit my sales target and as well can get my commission


no lah if I want to buy insurance if let's say I I have friends who are in this industry of course I would try to engage them and get their thoughts on it because I I think if you have friends who are in this industry I think you you will trust them rather than you get someone from err from the from let's say you just engage


someone random and then they then they try to sell to you but they don't have your interests at heart as compared to your friends


ya it is actually a problem this is why a lot of people, when that's ya insurance insurance agent actually have a bad rep because of this like cause all these stigma against them like okay ya they are just selling to you so that they can hit their commission target or their sales target so that and then and and


those who are those people who are affected because uh and really those people who really want to claim let's say one day touch wood they got cancer or what and then they said oh actually your your your premiums that you pay don't cover this ailment


but see even I myself don't know I said if I someone who is younger don't know can you imagine those who are older, they don't even know okay what am I insured they just randomly just okay from word of mouth or from their family members eh just buy this insurance just buy and then they just buy and they just blindly buy but they don't know what they're actually buying and if they rely on their agent to break down information but more often than that you know they don't do it


do you have like eh do you have friends who who who tries to to sell you insurance, so I said I do especially if uh in in school like err insurance is like their part time gig so they will more often than not they just err


approach you eh hi eh how is it with you you're taking this class right later eh let me share with you this this policy that that I know then I will be like how the why are you sharing this oh I'm a insurance agent also I'm like okay


true but it's a wrong market, to sell it to students who have a disposable income (ppl)


negative experiences, okay maybe we can talk about the injustices, that, we are facing at it in the world and what are what are some injustices that you that angers you


so for me I also agree that discrimination in terms of, racial discrimination in the local context uh it's something that angers me especially when it comes to job employment, like very often like I will come across advertisement highlighting candidates who speak mandarin their preferred their preferred candidates


to me such advertisements are discriminating against minority groups as I would say small percentage of minorities can speak chinese fluently and to what extent uh if this minority groups can speak mandarin will be hired I feel like I find that using advertisements that


says that mandarin speaking uh it uh candidates are preferred is a political way of saying only chinese are preferred but since


okay where did you get that source


because I think firstly its minority groups maybe in a way we don't have, that the okay like from even like within our own men uh within our own community you'll see many of us have education maybe up to


ITE at most that's the that's the highest percentage then maybe there are growing percentages in the diploma and the degrees in the degree fields but these these percentages are still small as compared to other minor eh other minority groups or even the dominant groups and maybe that is why


when uh companies that they see minority groups they they see us as inadequate, but aside if you because of that you also know that


because these these labours are considered cheaper than singaporeans


yup that's very true


as usually I find all these uh foreign labours they don't mind to be exploit because, at the end of day if as long as I can get an employment in singapore I'm secured I can remit back the money to to my country and that amount of money is substantial they my family in that in that country can live a comfortable life even though I get exploited I think to them that's the mindset lah it's okay as long as I get paid


you can you do you have any, uh experience or even your friend experience where they went through racism in the local context and


okay, so you you're trying to say that colourism exists in in singapore ah, should because you you can pass as other races because not many


malay now I mean malays in our community have your fair skin, ya you can pass as white there


okay interesting, okay


I actually I I do agree with that like just from the name itself you , HR uh err HR uh department can already put a stereotype on uh, or stigma to your name okay if I say my name is Mohamad daniel Hadi okay they don't


this person is a muslim malay or either indian muslim so they take picture okay does does he fit the the vision and the the vision of the company or because they will be they might assume okay this person might be religious or will will will he have will he will this impede his ability


to to uh perform in our company so, more often than that I like this is my concern that if I were to find job especially the sector that I'm in I am afraid that because of the name that I have, that might hampered me from getting a lot of job opportunities


and also because I have friends who experienced lift racism uh wait in the past like they did tell me that he I mean his job was like uh dispatch driver he was just there to the uh to send documents to the office and and what not so one day he wanted to to collect the documents for his office


and he was actually, err, reprimanded for coming to the office because of his race because he said like uh you know uh people of your race are not supposed to enter this office force and the person quote cited uh security reasons


and I find it very appalling that that happened in the local context because you because of uh you use the err the race of a certain person and you cited security reasons what what can this person do steal the documents and what sell it


and he didn't even uh he didn't even make a complaint he he felt that ya it's normal like for me to experience it and I I was actually quite uh I find that that person who said it were her action is morally reprehensible but she he didn't want to bring it up and he just say like ya it's normal like as long as I can do my job and it's fine


I find in singapore this kind of racism that you see are complex ya at least are very minute very small only uh I I want to say it's small let's hope it's small so that it's it's


that's true but more often than that even you say that this company is not good for me this company should be reported to the authorities because in in in this era we shouldn't condone these kind of actions like we shouldn't be looking at each other based on the colour of our skin


should I mean you can uh we can always go to the appropriate channel we can we can seek we can go uh make a complaint lodge a complaint to the ministry of manpower and then maybe, uh surface at uh uh a report on them


I find that in the like moving forward when when we submit our resumes to company we should just omit our uh omit our name


ya but for err what I'm trying to say is like when we submit our resume I think we should omit, like race and name from our from our resumes so we just submit, the resume to the company just put all your personal details like your hand phone number and your email and if they like what they see they can call you for an interview and that's when they can


just name you can tell oh this person is from what ethnicity because because by looking at a certain specific thing you can already deduced okay this person is of this race and maybe you can make a certain assumption from your past experience and then I think that's something that should be like like how to say we, we should avoid we should avoid looking at candidates okay we should even just with totally removed


race and uh name from resume so that everybody is like uh has uh fair and equal chance of get getting called up for an interview


so have you aside from all these racism right have you, I mean I think in singapore what is common amongst all the other races I think casual racism while us like joking around saying oh if you are a malay you cannot support your family like this kind of this kind of jokes but these are all casual racism and these are fun and jokes with amongst each other which are usually more or less


tolerated, because we we we we jab at each other jab at each other like okay you of this race I can say this I can say this but it like is there any like uh limit to it like, do you think there's a limit to what we can say


we actually have a hotline for any of the students in my my school who are experienced uh uh sexual harassment or sex sexual assault from other students within the in the in the same school but to my knowledge we don't have


cases that that is similar to that of NUS or NTU that is more rampant I, ya, ya is young and I and also because I think the difference between the all the different school is like


schools like the N_U_S and N_T_U they have a culture of like halls and all these (ppb) so these kind of culture actually you know creates, or in a way creates this this this problem


positive experiences, okay, okay maybe let me start okay because we're now living in this global pandemic right, so post COVID world who err what are who or what are you thankful for


or appreciative towards


I think for me is not wearing a face mask, because err I think post COVID, err I would I think I will I will miss the out the err the outdoor air, and because also wearing face mask when you work is is is really


it's I mean it makes you its make it harder to communicate to with your customers at the same time it makes me harder to breathe, especially breathing in your your your bad breath we imagine if you worked twelve hours is gonna is gonna be painful


okay because I work part time so I don't work long hours like you but even working short hours I I find it challenging to to navigate these face mask like it's hard to breathe hard to communicate with customers I mean the only good thing about it is you can cover your facial expression that's all


I really like if let's say you have rude customers who talk to you and then you you can't show your facial expression because it's more or less covered right


okay what what you mean by that


like all the relief and uh grants that the government give right, ya but did but if we if we do this is uh it it it is


us trying to replicate a welfare system but it's something that we don't want because it's actually quite a tax burden on the population, , ya that's true okay so aside from that I think what I'll be more thankful is


uh can find exercise in the open as in you you know that sometimes I would like to go run like I like I like I like the if I like to go I had to run outside you know right I like to run outside, I mean now with the easing of the the circuit breaker measures through phase two we we can technically run outside but but I find that the


the like if we don't comply with the safe distancing safe distancing measures we will be fined and so that's like a fear of the of catching the corona virus and a sort of fear of getting fined and this is why I've I find it hard to to to want to exercise out in the open I mean like outdoors


ya it it it is it I I found it very challenging like even though I did really well in poly going to uni was like a totally ballgame and only not only that I was also from a different course so when I jump jump ship


I I act I did expect it to be hard but I didn't expect it to be that hard, and and or uh, I was I was expecting it to be challenging but but at the same time I wanted I thought that we will be getting support from the from the university itself but I think the university is trying to train us in a way to be very in independent independent learning


but ya so I think the element of support is maybe lacking but because they want you to be independent in terms of your own learning , so that's where I had to to find ways to persevere okay like okay one of my I'm like uh like I see some of my friends who jumped ship some of them actually did quit in eventually like maybe in the either in year one or in year two they they they have already left the course


because they they find the struggle not worth it, but for me I think I would I I tell myself initially in year one I did I did have the the thought okay you know what this maybe this is not for me maybe I should just leave but I I I told myself that you know what I've worked so hard to come here so I'm just going to persevere and not give up and then of course at the end of the day I know this uh


I will I'll be proud of myself that I had that I did indeed complete uh a university education


it if , it uh okays like of course I'm still within the this uh university education right I will say it's not worth it , cause it's it effects you it's mentally draining physically also draining


and emotionally it also affects you so but at the end of the day, we cannot have like everything smooth right we have to persevere one


ya that's why I chose to persevere because I know at the end of the day, having this degree is would open up more opportunities for for myself, yes personally I be if if you ask me this maybe two years back I would say okay I'll I'll try try to find employment outside of singapore but then looking I mean looking at what is going on in the world I think singapore actually is not that place to to


ya that's true it's safe and it's also quite easy, in a way as in like, we all I mean if you go to countries like japan korea you have to adapt to the culture adapt adapt to the language adapt to the nuances of that their cultures


but in singapore I mean you you already know this is a multiracial society and and all of us can speak english we don't have to like we I mean in terms of adapting it's just adapting to the singapore culture that's all


but I think is is to each his own some of us have a different way of interpreting what is singapore culture, like to me a singapore culture is okay like okay we are multiracial society we are able to share uh and experience different uh racial holidays racial uh different racial food uh different lived experience


I mean even even education system can we can see that is a that we okay that is a singapore culture so cause like you said everybody is constantly trying to compete and be the best of the best


because traveling is our way of trying to escape this , like even though singapore is great like you we are able to access uh a high disposable income but all this comes with baggage high strung stress so be that's why we have uh we have high percentage of people owning passport because


in a way we use this as a reason okay to to get out of this busy city life like they wanna they wanna escape all this, that's very true that's very true


I mean it's hard I find, to enjoy and release stress in singapore there's not really much option and that's why more often than that we would want to travel to our neighbouring countries because we have a variety not only is the cut the exchange rate in favour with us but we also can do more activities


okay that's true but because cause you have experience living abroad alright so if given the opportunity would you trade that like I mean would you rather live there as compared to singapore


so for me the concern is if I were to if I were to seek employment outside it's firstly the cost of living in in let's say if I were to seek employment in let's say in america US uh