ya but I'm okay to drink any type of coffee is just that I think when I reach a certain age I became a little bit lactose intolerant so if I have too much milk in the coffee I'll need to run to the toilet when I get back to office so I try not to drink too much I I mean I I realise cannot have too much uh milk


uh the milk will have an effect on me ya, oh but is very is nice that your mom bought you the coffee maker but poor starbucks they won't at get your business anymore


ya the and the the capsules you can get them for very cheap right I I think some online is you can sell very cheap and you can choose like I don't know what coffee powder that you like or something


uh, so you know your coffee very well


uh ya I I mean I don't know uh, the different types of beans out there but ya when I taste it I like it I like it yeah I I I don't like the type of coffee where there's a bit of a sour aftertaste but I don't know what what coffee is that but some beans when you drink it eh it's it's has very strange aftertaste which I don't like I I I mean I prefer something that's a bit more gentle


ya easy to drink ya, okay but yeah that's that's nice, yeah I I uh as for me I I I off hand I cannot think of a best, birthday present I I and I think generally don't don't buy or like to receive present I I prefer to like maybe go out with uh my loved ones and spend some time together have have good food uh I I think the experience uh actually beats any type of


because present okay so I I think I'm generally quite a, a Marie Kondo philosophy type of person where I don't don't like to keep stuff, and and that that's why I I I get very uh irritated when it comes to christmas when you are like you have to do gift exchange and you have to buy you often have to buy a gift for


people that don't know then you don't know what they want then you end up you you have to guess and you may not actually buy the thing that they want and and you and you get something that you don't want so like that and then there was one christmas where I got like two starbucks mug from different colleagues, like different colour you know that type of thing yeah


yeah ya ya because a lot of time you when you buy gifts for people you don't really know what to buy so uh a mug never goes wrong right , ya so ya so so that's why uh I think for me uh the best birthday present is uh ya lor so is company with my loved ones yeah oh but I remember but the last my last birthday my partner like cooked some like fried noodle for me


so I thought that was nice I mean doesn't cost a lot but uh I thought that was it was a nice gesture yeah so, ya so ya any other questions that you have an answer


!wah! this one very hard leh that's why I was telling err Jennifer that err the questions a bit difficult to answer because you really need to think think about specific moments in your life uh I think okay maybe for the luckiest moment


I think it was maybe four years ago when I was having some kind of a mid life crisis so I was working in a bank for about ten years but I wasn't really all that happy I felt that something was like like missing, like something is uh so so I was in my maybe late thirties then then I was I felt eh maybe the this is not what I want to do is is that all to it so what I what I did was actually eh I I I quit my job without looking for a new job


so I was like uh in between I was like uh uh jobless for a a few months lah but uh uh or rather the scary thing is I actually tendered my resignation without any plan, I just don't feel like working anymore in my previous company so that was uh I mean on hindsight that was quite a rash decision lah but then uh I I


then after that uh the the lucky bit was I was in uh the lucky bit was uh I I was like maybe I took a break for about a month and then the job came and look for me so one of my ex bosses


from maybe like six seven years ago he he was he he was uh he was starting up a new firm so he actually needed help and he remembered me, so so ya I I think I I I always tell this boss this he is still my current boss so I always tell him that actually I think without his help uh I probably may not have


gotten work for a very long time because I think in the current job market if let's say you go into like job street and try to submit resumes I think the the hit rate now is not so high a lot of the jobs now you find are through connections


people you have worked with before referrals that types of thing so I I think I was really lucky in that that uh, you know get a job done go home at at the end of the day I'm quite happy ya so so I'm I'm never a very aggressive person when it comes to uh looking for work or proving myself or something so ya I think that moment was very lucky that I I was I was not I was in the state of uh


helplessness for a very short time some someone came and helped and like give me a hand and pull me out and then and then I started working again so I think that was one of the, lucky moments in recent years for me


okay, okay


so your degree is in linguistics, oh okay


okay


I see


so you said you are a transcriber ah, so that means you uh what what what is that I I actually I'm not very familiar with the that line of work


oh, oh so you you are a staff oh I see oh so you know what what is uh going on in this because uh like when Jennifer explained to me I was like a bit confused not very sure what is this for how to do this oh so you are in the know of this okay


seems it very very interesting I I I I think it uses what you learnt in school right, so do you know like multiple languages or


ya I I mean I'm just uh uh going slightly off topic ah just curious , oh korean


ah because I I had a friend who I think he is a language professor in NUS so I I think he shared with me that uh it is a must for you to learn a third language is part of the


this is part of his studies but okay I don't know I don't know maybe he he was from a different uh time time period but, but


uh interested in what, ah languages yeah I guess ya I I don't think I can do your course, I'm a I'm a mathematical person I look at spreadsheets and data language is very difficult I mean I tried to learn uh I tried to learn cantonese because I was working in Hong-Kong for a period of time so I I because in Hong-Kong they will expect everyone to know some cantonese


so I really tried very hard and I like download those like online lessons to learn, I I after awhile I just realise it it is not for me I can only speak cantonese to make people laugh like for for comic relief purpose I can do some cantonese but ya and and and after I left Hong-Kong I I it all just disappeared I I just forgot about all the like different uh words and phrases that I I managed to pick up


ya it was not not not my my type of thing I guess , so in writing they are actually the same as uh mandarin but then uh in speaking, that the word order is different and the and I think in chinese in mandarin there is four tones right in cantonese there is six tones


so is very easy to like you want to say this word but actually you end up saying the other word so it is quite difficult but I I mean I did have friends who tried to help me, like fit into the Hong-Kong culture so so it's part of the fitting in ya is to understand the language but ya it was really quite beyond me


yeah quite difficult, okay so how about maybe describe a time when you were helped by someone when you need


yes yes yes, ya


oh, oh that is very nice I I think the the the best part about travelling is to meet people and uh have this type of experiences, ya I think I had a I mean not japan but I I I remember this experience in taiwan that I had


because taiwan people taiwanese people are generally very warm and friendly so so I remember there was one time err me and my friend we were I think we went to some do some sightseeing and then it was we were caught this rain like windy heavy rain and we had to like hide in a restaurant


uh so so in that area there wasn't many restaurants to to begin with so we were in this restaurant but then because my friend he's quite a fussy eater so he doesn't eat everything that, restaurant sells so and and and happened that because it's raining a lot of people were were like seeking refuge in the restaurant so we had to share this table with this elderly couple


and then uh so we had to like you know those big chinese restaurant round table and we ordered some food to eat and then the the elderly couple actually saw we didn't order a lot so they open their the the auntie open the handbag and then took out some rice it's like dumpling


so he offered us this rice dumpling !hey! uh I I see that you didn't eat a lot come take this dumpling I made it myself so they actually offered us their own their own food to eat, so that was like uh I mean I still remember it to to this day then in the end we like chit chat understand from each other so so I mean that that's that was a that was a very nice gesture then we I mean because we we accepted it because you know that it's a bit rude to reject when people offer you stuff ya then then we ate it later and we feel like eh is a


it's a like a very warm gesture, yeah that was yeah also travel travelling related yeah, uh not this year but ya previously yes


ya what's your what's your favourite country or destination, oh oh ya that's why you learn korean right , korea what what what is the appeal ah actually I I was in korea last year eh the year before last year I was in Seoul but I I didn't really get the appeal of korea maybe you what what what what draws you to korea and and makes you go back every single year just wondering


oh it's the shopping that you like


yes yes yes, hostile I I I find they are a bit hostile yeah, yes


so you your korean is fluent speaking and writing


oh eh but speak you you can speak like uh like converse with a local I think your your level must be quite acceptable lah , ah so you also go to Seoul or Busan or


ah, ah okay okay so you are a korea expert so now I realise


nice nice I think for me my favourite city that I can go back again and again is uh Bangkok, ya but I don’t I don’t speak the language but is uh but I I think in Bangkok it’s not not important to speak the language because I think Bangkok uh and and and some more in Bangkok when you go into when you go to Bangkok you can see a lot of singaporeans there


and ya so so it is always very warm and familiar and and I I mean when when I go Bangkok I don’t really even need to pack because I'm like I know my way around I I have their like uh transit link you know the the the transport card so I actually go there and I live like a local yeah


[oh] can stop


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


what are your challenges during this COVID nineteen,


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


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


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


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


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


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


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


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


ya, so spending habits , I feel that a person have to, be very uh mindful of what they're spending on every month be it uh your transportation can actually take a bus


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


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


so I will actually uh occasionally, go to like my grandparents house to, actually, you know sleepover to have a meal with them so what happened was uh in secondary two my grandfather actually passed away so what what what made it a very sad moment was I was actually was in the tan tock seng hospital so uh


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


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


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


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


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


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


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


he was very nice to me he always like, he was quite grumpy, in that sense saying that he would always uh scold people for no reason but he was always exceptionally nice towards me he will always like give me extra pocket money and uh just sit there and talk to me ask me how's school so I would say that losing him during like secondary school was quite a impact that I I kind of like knew that oh death is like inevitable that


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


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


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


and whatever that's going on, lah and I feel that moments, like this, uh there and also like, trauma could actually change one one person's


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


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


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


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


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


actually left me thinking till this day was, what happened was uh, after O level you usually you go to poly or you go to like, higher NITEC if you don't get good grades so what happened was, when I open up the booklet I only had like


NITEC courses so that meant that, I went to like sec five O levels for nothing, and, it actually struck me really really hard and had me thinking for a few days I wasn't able to sleep properly then, on top of that I had my parents like nagging at me at the back saying like why didn't you studying well


so it it, it actually grew on me that, I told myself that, I had to do something about it lah so, I went to appeal and actually eventually got into a higher


NITEC course and actually continue my studies there but I feel that things that, could be the most traumatic incident, can actually be, prevented to like, to make sure that it doesn't happen so easily


instead of like you thinking that it will happen it will happen it will happen but, you have to be more wary of the things you do, just in case you don't create an accident, so ya what about you yes


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


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


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


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


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


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


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


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


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


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


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


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


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


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


or the point of like giving up


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


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


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


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


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


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


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


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


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


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


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


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


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


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


so we spent the rest of the day like eating barbecue, and chit chatting ya so, prior to this uh what's your happiest moment in your entire life, was it like very cold


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


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


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


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


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


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


perfect


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


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


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


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


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


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


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


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


the opponent's, score was like very close to ours, and, I myself as a as a centre positioner, it's very important for me to actually uh, box up my opponents and also get the ball to pass it to my teammate for them to actually score


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


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


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


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


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


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


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


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


okay so my for myself I'm currently a graphic designer full time so , I'm like I don't really have a


very clear financial plan that I will save my salary onto, an advice, an advice that I will give myself ten years ago would be , to, plan wisely for your finance, finance uh wise lah cause


ten years ago I do part times supposedly I should have saved some saved some money, but , nope I didn't so those money , that I have earned would be like is gone now, so I would say


an advice to myself ten years ago would be saving money and making, good use like, investing it or doing something that would , help in the future would be good, and currently I also do not have a very


like clear, saving plans or whatsoever but, I saw this very interesting , percentage of saving of money would be like twenty thirty fifty uh fifty percent of your salary goes to


savings thirty five percent of it goes to investments and twenty five percent of it goes to really savings it, and then, twenty or thirty percent would be on your, loans or debts and then twenty percent would be


on like for your spending like whatever that you want to do during your free times like going to a restaurant to eat I feel that that saving plans will be like something good, from me ya


ya and I feel that the other way like to track your finance would be really jotting it down , uh like there's uh like savings or like finance app that you can like key in like how much you have spent on some grocery shoppings and how much you are saving it I feel that this kind of apps would really help in


planning your , finances wisely lah, okay for me I also , don't really have like savings or investment insurance we call it , I only have like those hospitalization health insurance to be exact cause


I would say healthcare in singapore is slightly costly so I feel that everybody should have a , health insurance so that, , their finances would not be like, haywire when something really happen to your health like when you go to hospitals and the bills are too expensive or


let's say for this virus , you have to stay in the hospital for, two weeks to check if you have , the COVID the swabs and stuff ya, I feel that health insurance would be greatly helpful, in this kind of situation


I feel that


okay actually the government really help in this , I'd say medical wise because if you work they provide you with CPF and then part of the CPF money would go to like medisave medishield and this would really also help for for people if they're like sick or


, unwell if they're staying in a hospital goverment, had really do their part in this for our part I feel that, uh an insurance would would really help lah for my insurance is pay under CPF, so I don't have to


pay monthly for my insurance so uh for those who are working already I feel that, they could get a, health insurance themselves lah so, ya and , I heard that you mentioned your aunt and I feel that this older generation of people don't really know how to


, manage their finances or maybe because they weren't , taught in the past how to manage their finances for say like my parents, actually they are still paying off the mortgage loan so I feel that they don't really plan their finances well enough to have already like at this age would have already like


have more a bit more relaxed life or like go holiday or something , ya so my, parents didn't really , were educated in this finances period so I feel that this will have also impact us in certain ways where like I don't know how to handle my


money well ya I feel that


hard work is really important lah for like, okay since my I'm since I'm still young, I would have like thought maybe a side income would be good, enough to like, provide a better living or better finance , like


planning or saving so I can like really do, uh really like retire like earlier or have like, a better life in my like, middle age or something so hard work, I feel that can improve your income level, and


improve your finances as well lah ya, so like like my mum she is currently doing a full time and then she had a side side business to support her income too so that she don't really have to , work very hard in the future


ya so now she's like many people are trying to plan better, plan for their future and plan their finances so they had they had they they would have a better life in , like future ya or like, any pandemic that struck


they would really, uh make sure that, they are they will not be suffering lah cause there's a a lot of, unemployment now, people got retrenched people got , pay cut so during this kind of period it's better if you have a


an amount of saving so, you don't get easily like, affected by this situation, ya


okay previously I was working part time for SK two , but due to the DORSCON orange so the contract came earlier so terminated earlier so for that period of time , it was really difficult to find a job


ya so and then, I would say like, cause uh, like we still have life still have to go, on you have to, to spend on like groceries you have to spend on food you have to spend on your bills so these things are


like, now tying onto your savings yet you have to pay it off on so , I feel that, it's important to save, some money to, tide you off this pandemic


ya and ya so, like debts for debts right like maybe people have credit card debts and stuff I feel that they shouldn't really use like future money I would say like money that they still haven't earned yet and spend it all off at once lah it's really


toxic to have debts, ya and then if you cannot afford something then just don't, don't try to buy it or anything or have any thoughts on it if not , debts are gonna make you suffer in future I would say


ya cause like, all those credit cards , you don't really have a like, I would say like a limit when you, spend it cause you can't see the money, but when you have to pay it is really bad


and like the interest rate the late payment fees are things that you, wouldn't be able to afford if you, like didn't work more or work hard to pay it off ya so I would say that plan your finances well


don't have any debts save ya, just don't spend, out of what you can earn, I would say you don't have to have that thing to be happier ya ya I feel


that knowing the value of money is really important to since young lah ya


ya I feel that , same losing someone that is very close to you would be, my saddest moment so I lost my dad last year so, it was really devastating cause he


, like there was no sign that he would, leave I would say, he's not sick he's not unwell he's not in hospital , he was, just he's the normal him, [loh] ya so what I feel that losing someone


wasn't really like something that, I'm prepared to do at anytime that I feel ya even though like , every people know that, uh, people will just passed away


die but I feel that nobody will be prepared to let go someone that they are close to lah ya, like things happen so fast, that sometimes I wonder like what really happen lah cause


he was really , like we were just in shock ya ya so I feel that my greatest fear now would be losing your loved ones cause


ya my mum is still quite young but my grandparents whom like, , brought me up like maybe, when I was , a baby they , they took care of me so , ya like, it's gonna be their turn soon I feel so I don't know if


people will be prepared to to uh lost their loved one anytime ya I feel I I'm, I always like , like get myself prepared my grandparents go anytime but


sometimes I still just don't, bear it lah like sometimes I, like cause like cause due to the , virus we also didn't really visited them cause they are staying in malaysia, and , I was really busy in the past maybe few years so I didn't really visit them


like , recently so, then ya, and then sometimes I will just wonder if they're doing, well then , there was once I really uh like, I had nightmare that my grandfather was murdered by somebody ya so like


maybe this is really something that, really scarred me like losing my loved ones oh ya my most traumatic incident I don't really have any like traumatic experience cause


my O level results I didn't really do well , but I'm still fine with it cause not really bad still able to to like go to, higher NITEC or go to poly, I had two chance lah


A level and O levels so wasn't really very , uh traumatic also , ya my traumatic incident would be like , seeing my dad's body cause, I never really had see any like corpse before


ya, that would be a very traumatic incident and some times that I would still , like have a flash of thoughts in my mind like, what really happened at the


place where I collect his body , ya and my I often worry about I would say like what, do I often worry about would be


, my future because I don't really know, like what I really want to do , okay I studied graphic design so visual comms lah so now I'm


a graphic designer but, I feel that this isn't really something that I would wanna do so I would I would sometimes like think about it like what do I really want to do in my life what do I really want to achieve in my life , what is my future like


ya, so for the time being I am just , doing something that I learn in school so that, I will have a job first ya


so I will often worry about my future like things that I want to do, , how about you what do you often worry about, ya ya I feel that giving up was like I really quite often


feel like giving up for angry wise I don't really get very worked up, because , when anger conquer your mind I feel that things that you say would be really mean to others and it would hurt other people feeling , ya so I, seldom get angry I try to


solo it off myself ya and , a point that I will give out will be during secondary school we have this NAPFA test the two point four KM I'm physically challenge I feel I I every


every time I do the run I feel like giving up , I feel like giving up the whole NAPFA, test ya cause, I don't really enjoy exercising I feel , so, a point that I feel like giving up would be that period of time


cause I seldom, uh like want to , give up on something cause I feel that persisting would really lead to success successful ya that thing ya so giving I feel that give up giving up would be like a really bad thing to bad thing to solve this problem lah I feel so I would not give up easily ya ya okay and I feel that as long as you persist in something doing something giving up would be not be an option in doing things lah ya so I seldom have the urge to give up on something except for my physical test ya


okay for positive experience okay not recently okay for positive experience I would say , something really etched into my mind would be me in primary school, my


like ya I did well for exam so I got a second position in class, so that was the proudest moment of my life and my mom's life I feel , ya, I feel that in primary school I already obtain a lot of things that is really positive I would say ya I got second position in class


during primary five I feel I think ya and then like getting champ getting first position like in, competitions and I was awarded like miss harmony cause I was really doing well with my friends and peers


ya, then that was really a positive experience in my life, I feel ya something's gonna happen entire life


okay there was uh like really a lot of moments that I really enjoy, okay the most recent one would be going to korea during autumn okay autumn is a a season that I really really really want to experience it myself


because singapore, doesn't really have any seasons, don't have any, change in temperature, however ya , and then when I I , when I was in korea when I step out of the, airport then okay I did something I just I just speak then


when I speak there's like, what is it called like smoke coming out of my mouth like those, it's so cool that like, things that you only see in dramas K dramas that uh you really experiencing it ya and then also got in autumn in korea oh shit


I walk we walk past this this street like just a pedestrian walk and then like there are trees that are like, leaves in orange colour ya that was really like, I feel that I am in a K drama that was really my fondest


moment yet last year, , and there also will be , I feel that , traveling is really a good, like good, thing to help you have a like fond memory ya


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


season , it's very beautiful up in the, mountain ya ya <mandarin>阳明山:yang ming shan</mandarin> ya upstairs was like ya you see the cherry uh okay


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


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


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


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


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


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


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


uh I feel that


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


maybe during that point of time I would be, like , sad will be , like how to say , would be sad will be feel feel defeated I feel,


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


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


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


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


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


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


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


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


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


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


for me err I do know that my parents actually sign me up for uh health insurance and life insurance but I'm not too sure about the details yet because they actually settle most of the payment and everything and


they don't really let us like the children know but I have been approached by a few insurance agents and they do what they do ask me like if I want to sign up but uh for now I don't think I'm ready


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


(oo) !wah! actually I'm quite similar in that sense that err I personally feel that my parents didn't quite start out their marriage with like err they didn't thoughtfully plan for like you know their children and everything so they only had like health and life insurance but


we don't have savings insurance so as I grow up I do feel quite worried because when I look around and whenever we talk about savings like I know that many other people have their own savings and I'm sure this savings are from their parents ya so


I do have that worry and definitely if I if I have a child I'll do the same ya err, what about like any other types of insurance did you think about like would you consider


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


I think is very important is travel insurance because when I go travelling uh recently I went to Batam it's not very far but still it was actually quite recent and since now the period is uh about the COVID nineteen so it was nice that I had insurance


covered ya, err


oh I think I think that's very important because like whenever I hear about people uh taking insurance I always hear that there's a lot of I think the thought process is quite detailed like you really have to think through uh whatever investment you have or any savings you have what's your situation like at home and how how is your work your income and everything so whenever I hear all these uh stories about how people think through before they get an insurance I think it's really important for me especially like as I grow up and if I don't want to take up my own insurance to really look through and you know read up what I need to know before I embark myself on an insurance policy because some of them maybe short term like a travel insurance could be covering just the the period of your travel but some of them like life insurance is really quite long and I don't think people would want to break that policy so ya I think it's very important to know the details as well


, do you have any experience with err insurance agents


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


I think it was something like her finances to see what she would need in the future and they had a pretty good talk and I listen to the whole discussion and he because he was actually trying to help based on what he know based on religion because he said like he's actually from a company that also caters to malay and muslims so he was actually really kind and gentle and although it was uh although he was promoting his uh company and such it it wasn't uncomfortable and it will be nice if uh more insurance agents were like that ya


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


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


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


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


, like I think I can somewhat relate to that because err whenever my err people who I know when I hear that they take up insurance and if something happens to them it just seems that many people worry for for them in case their insurance actually covers what they're going through because sometimes they are not uh well versed with the policy or maybe they they didn't know this was covered and this wasn't covered so it's quite worrying sometimes err


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


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


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


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


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


I think seeing that I was actually inspired I think in the future I never know what would happen to me and it's really nice to know that I'm covered if anything happens ya,


savings in terms of saving for now because I don't have a stable income so I can't really save up monthly that kind but slowly but surely I believe I'm doing I'm doing some savings with my allowance and some


part time uh work that I do so from there that's actually how I save up but at the same time I know that now cash flow because I'm a student and I will always need money to pay for a lot things so for now I don't have a very solid savings plan but


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


, , oh I can definitely relate to that because I mean as a student especially I feel like err there's always so many things to pay for not just like err our books or our school materials it the list just goes on and on so if I don't


if I don't plan out how I'm going to spend eventually the money just goes really fast and I don't even realise and it's gone so err for sure I think is I have actually seen err people around me receiving financial advice and I think it's really nice that they think through before


they spend I like that thought process and I think I should definitely do that for myself also ya,


, something, err for me what I can do for myself to improve my income level , I think as a student what I can do is definitely just save as much as I can now because I know that when I err graduate and when I'm done with my studies I'll be a full fledged adult and I'll start to earn an income that's one thing but


I would also have a lot of things that I have to pay for and there'll be new responsibilities added on to my shoulders and I'm sure that I do not want to be further worried with the fact that I do not have any savings like I am right now so


I would want to start my own small saving allowance ya


(hmm) I also believe that as a student because we have a limited spending power I don't believe in doing things or activities that aren't really beneficial for me right now


for now I try my best to spend my time studying or learning new skills especially because right now is the time it's the perfect time for it I think when I start to work in the future I'll be very busy and for sure I'm not I'm I'm not sure if I can cope with learning and err saving and working at the same time ya


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


I it's #hari raya# and we can't meet our family members or relatives because of the fact that right now we have to stay home for the sake of the virus, and so uh it's really sad that I can't meet with my family members and there are many who there are there are those people who I only meet once a year there are those from overseas that they always come down once a year to meet us


but at the same time there are those who I meet every year or even more frequently than that and there are times where err conflict arises at this period of time because like my family doesn't meet err one part one side of my family doesn't meet very often


so as a child I don't I'm not very close to my family uh to this part of family and when I recently spoke to them like on a call I I got to know about an incident from the past within our family history with about something that I had no idea about as a child and


when I got to know about it I was just so angry because , because definitely stories about conflict within families they are they stem from something way way beyond what is happening right now and there are a lot of factors that come into play a lot of people that are affected and involved and err for sure I'm a child as I grow up I don't know what is going on with my family I do not know what conflicts are going on but


of course I can see with my eyes what you know the tension that I see within families and how they interact how they speak to each other and just a few days ago I found out why there was such tension


and it made me so angry because uh the person who was involved in the conflict the main person who caused the conflict was actually someone very dear to me and I tried my best to speak to that person to try to make the situation better but


you know I'm a grandchild in the family line I'm actually like the youngest in terms of rank so there wasn't much I could do and there was just so many feelings that I felt I felt so guilty and angry and frustrated because I was the door I was I was low in rank but I felt like I had to do something for my family but there was really nothing I could do then I was just so frustrated so


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


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


similar


speaking about relationships like friendships or even marriage uh on that's spectrum it makes me think about like how people regard each other and for me I also err I treasure like the way people are genuine and


it makes you think like if someone can be uh that bad or if they do certain things behind your back that you don't know about and how real are they when they are with you and what hurts me the most is when people are speaking very kindly to you or say good things about you they very nice to you in front of you and when they behind you they just


do so many things that you can't think about and it's just , I mean it's beyond me how can you how can you be so two sided but I know that uh I know that every human there are many sides so a single human you know and like we we have to treat uh different people differently and the way we regard different people is different but at the same time


I think it's important that we be real to not just other people but also to ourselves like how how can you speak so kindly and then be so flippant and then err become so angry or become so


different from who you portray yourself to be uh for example when when you with someone else you know just I think it maybe not maybe it doesn't affect the person but it could really affect their surroundings and and the people who who spend the most time with them would definitely be


very affected because I have seen many instances especially in marriage and uh even friendships like when you are not genuine with one another like conflicts would just come off to each other and err things would just pile up you know


one party feels frustrated and then vents out to another person and you never actually speak about what you're frustrated about and err that that story could actually be you know a short and simple story but it goes on and on for years and


and the conflict just doesn't it doesn't both parties doesn't get any closure and I think in that sense it hurts people and not just you know one or two people it hurts a lot of people through the process


and I really don't like that happening that's why I also am very careful when I speak to others but at the same time when I speak uh incorrectly or uh I speak err or when I'm insensitive with my remarks I always reflect back and I do regret a lot


ya, uh


(hmm) ya speaking about err insensitive comments like or remarks like uh as I as a child like I used to you know just speak whatever I wanted and my my family they did advise me but I think as a child I was just very nonchalant and I didn't I didn't err take it well like I I just you know I heard what they say and then it goes out the other ear and


but when I grew up and I started to speak to more people and it could be people of like you know positions or like people in my family who are who are respectable or even uh the elderly and when I speak to them sometimes when I don't think and I just speak


err it it happens that I accidentally share more information that I would want to share and when I told err, and when I told my family about it they were very angry about it and and I realised that oh I shouldn't have done that and I should have thought before I spoke and err what would happen if I just you know took a second to think before I said this or said that and I think it makes big difference that people


whatever people advise uh me I think it's important that like you know I definitely think about my actions and you know try to change because I don't want this mistakes to continue uh as I you know as I continue in life and and I see how words can really hurt people and


even like how people get separated or uh how people lose friendships and their relationships over simple words and it makes me really wonder and think that words are really strong and I should really be more careful with it


ya and, it's important for me to you know think about what are the other person feels also before I speak ya


(hmm) speaking about worries about the future makes me think as well because uh I I do not aim for like a high paying job or I do not have like a very high dream to achieve I just want to be a normal person who who is happy when I work you know with what I do in my life but I know that when I grow older uh my parents won't grow younger and uh it actually makes me really sad and worried because I know that I may not be able to take care of them the way they take care of me when I was younger but the least I could do is support them financially financially and I really hope that I can do that at the same time I also hope to you know send them to places like you know bring them travelling uh let them you know relax after all the years that they work and raised like all the children up I think it's really time for them to rest but at the same time I have seen uh many or a few elderly in my life who have not be able been able to rest even until like they were sick or until the very last few moments of their life because of the fact that they do not have savings or their children do not uh they are not able to depend on their children financially it makes me makes me think about am I uh will my parents be be take well taken care of in the future like I cannot guarantee that because I mean we're still in the present and although I care for my parents at the same time when I look at other parents and other elderly out there there are so many people out there who are neglected and it makes me so sad whenever I hear their stories and I really think children should really remember their parents when they grow up it doesn't matter like what kind of position you have at work how much money you have you know your parents brought you up and you should always remember that but ya it makes me really angry when I hear stories of people you know just leaving their parents or or forgetting them you know just


you know when they marry or and then they live in their own house with their children and they forget their parents but like at the end of the day like how we grow up or experiences in life it it it really matters how our childhood was like and that's why I really treasure my parents a lot and I really hope that I can fulfil my hopes to err you know and my own goals to support them in the future as much as I can


err


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


sorry


actually recently recently my brother cooked up a feast for my family so that he's like err he was actually learning how to cook indian food and it was actually


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


recently that I can it was like a whole feast with like uh Biryani rice and like chicken Tandoori and it was like super good because uh everything was handmade and


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


oh my god


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


so recently I tried to make like cookies and muffins and it doesn't turn out the way it supposed to turn out because of I don't know because I don't have every all the tools that I needed to bake but well the nice thing is that when it comes out even though it turns out like it turns out fine it tastes it tastes good and all but it just doesn't look aesthetically good but my family just supports me and they're like this really good like I love it but I know it's like it just looks like one lump of cake it supposed to look like a muffin but ya so


but I'm just really happy that I I did cooking this time now that I'm at home and I have more free time it's really nice you know to just sit down and it's quite therapeutic actually it just like you know mix the batter so I was really happy to


do something that I've always wanted to do which is bake something ya


but I but I think it's normal right especially like if you're not used to it like even for me like I was trying I was trying to do this err bread like this, uh what is that I tried to do this dough and I had to knead the dough and it was so tiring for me because it was my first time and my mother was scolding me because like she was like you have to do it longer but it was still it was really fun I think I think first time for everything


is really uh, is really fun and I think everyone should try it although it's difficult personally to me it's it's still fun and enjoyable I guess err, other than that like recently because I've been at home for quite some time like I do try to set up a like a date like a morning or daily routine that I really like like you know get up in the morning and then make breakfast and sit down and drink coffee and and like


uh reading a book I think that's I love I love starting out my day like that especially because I don't have school now so it's it's such a perfect start to the morning makes me feel calm and relaxed and I just I love


being relaxed at the start of my day ya, oh


so how would your sorry


so what's your kind of like perfect day


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


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


nice and after everything is done I feel really good and I I feel better that like I've done a lot of things and I feel productive it it just makes me happier but of course I do still treasure night time because


uh I do feel more relaxed at night because there aren't many things going on as compared to in the day when the morning rush and things are back to back ya


oh actually talking about going for a jog it's been a long time for me that I haven't been I haven't went for morning jog in a long time because like right now I feel like I feel the need to stay home so like I'll do like workouts at home but


I do remember the last time I went out for morning jog I went to this uh I went to a park and I went there with my sister and we we tried to go there early because we wanted to see like the sunrise we didn't catch the sunrise though but


it was super what's the word it was like I love the feeling after you run and then you see like the view of the park and because there was actually like a, it was a reservoir actually so like I could see like the water and the trees and we were at uh we ran up until like the highest uh point of the like the park there was like a highest point and that it was like a hill and when we look down it was just such an amazing feeling cause I really love scenery and


and seeing that in the morning you know with the morning sun and you like perspiring after you run and then just take it a deep breath in the morning and like seeing the scenery I think it's such a such a good feeling and like for sure if I have a chance I want to go again


ya it's just that I haven't been very consistent with my exercise routine so I haven't went in a long time !wow! now that I think about it I want to go again ya


!wah! uh that also reminds me of uh I also had only one experience with like uh overnight cycling and I also did it like one or two years ago and


it was the first time I was outside the whole night like just cycling outside and not being like indoors you know and I think although its that it's very tiring like you know any other physical activities that you do for hours is very tiring but it was so rewarding cause at that time


it was actually quite difficult for me because I was having a lot of exams and there were a lot of uh things that I was worried about and I felt burden by a lot of things at that at that point of time so when we when we went for overnight cycling and we went to the city we saw the nights are the nights are the night view and when we came back home through the same path and just like cycling up hill and down hill and you know you feel the wind and


ah I remember it was it feels like I was really being all the worries that I had in my heart like it was like slowly I was like letting it go and, by the end of the whole by the end of the whole thing I was just like I was just smiling and laughing a lot and err by the time we came home we all were so tired and our butts hurt and our and our feet hurt but it was


so rewarding and and if I could speak to myself in the past I will definitely say like you know just let it go don't hold back and just just have fun while you have the time you know, I think it's like you can't get that time again so it's a one time chance for you to just have fun ya


err


, I I also had a similar experience but not it's not a very big err achievement it was a big achievement to me but definitely not for others because there were there were always be other people who are doing better than you you know


but at that time I really had no expectations for myself and it was actually for an exam that I had err like two years ago it because I really had no expectations for myself when when I received the results and


I did better than I thought I was like so happy that I cried and like my family members were with me then and like we were just jumping for joy and then I was telling them like I did it and I I remember everyone around us like see uh they were looking at us really weirdly because


I'm pretty sure everyone else did better than me but I was still really happy because at least I achieved what I wanted to achieve and you know I did the best I could and it doesn't matter if it's as good as what other people can do but at least you know it made me really happy that I could do what I want to do


uh ya so I think expectations really matter when you're hoping for something you know like whether it be a position or an award or uh your results it still it means a lot to someone especially when you have low expectations for it so


I always tell myself don't have expectation so you'll be shocked whenever you get good results from anything so but at the same time you know always ya I always feel that it's nice to get something


without knowing or like without expecting it coming ya


okay for me I don't actually have any insurance products mainly because my parents don't see the need to buy anything for me and also because they actually had like a negative experience with like insurance agents


so they don't really like trust them and they they're kind of like sceptical with buying insurance products lah but I think for me like cause I've heard stories of people benefiting from buying insurance like whenever they are sick


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


ya


yup, I think for me like if I have a child in the future I would definitely like buy a savings insurance cause for me right now like I'm actually on a bank loan for my university education but then I heard from one of my friend like


when she was born her mum actually sign her up for this savings account so by the time when she reach like around our age like nineteen twenty she actually have like money inside the account to finance for her uni education so I thought it's like


quite good, ya, ya


I think maybe like health insurance because based on like my personal experience lah like my mum she actually used to have cancer but then the insurance that she bought when she was like young didn't actually cover for her hospital bills or anything


it's like more of a life insurance whereby like after she passed away then money will actually go to me and my sister so she like she and my dad actually had to finance for all like the surgery bills all by herself so


yup I think I'll definitely get a health insurance so like next time whenever like I fall sick at least like can help me cover like my hospital bills, ya


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


like it might not cover you for what you need in the future ya like let's say like my mum's example whereby she bought a life insurance but it doesn't actually help to pay for like her hospital bills so I think it's a bit complicated lah and you need to like


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


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


I mean after all I'm still a student like I don't see a point in buying insurance now when I can't even pay for it myself but they are still like quite insistent even after I tell them that they just want to talk to me and maybe like keep in contact with me so in the future when


I get out to work maybe they can contact me again and talk about insurance ya so I just feel like they're quite pushy at times but I can understand where they come from lah because after all that's their job and I mean


like what I said just now eventually I'm going to buy insurance for myself when I start working so, no harm trying to listen to them ya


that's nice, I don't know most of the insurance agents that I've met it just like rather pushy lor ya


(hmm), not really cause I don't think is topic that teenagers talk to about ya but just like what I said just now the friend who shared with me about her mother buying her like a savings insurance to pay for her uni fees and


just her and my parents also but my parents they actually had a very negative experience lah like , like what I said just now because my mum actually thought that she would be buying some health insurance but in the end it became like it was actually a life insurance and it didn't help to pay for like any of her hospital bills so after that incident she was actually like


quite upset and angry in the sense that she don't really trust like the insurance industry anymore, ya


I think like one advice one financial advice that I'll give to myself ten years ago maybe is just to really save up more because , that I mean I'm on a bank loan now so I definitely do pay all my university fees in the future


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


like every month how much do I pay for my food how much do I pay like for my clothes example so I'll just at the end of the month I'll try to see if like did I overspend on a certain category if it has then I'll try to like cut less on this certain category next month


it's what I do lah for now


I think for me like what you said as a student now I think all I can do is just to study harder and so that as and go for more internships to build up like my resume so in the future maybe like


my resume will be more attractive to my employers and maybe this can like help me get a higher starting pay, ya and, also like try my best to save up so like I don't overspend like my money


stuff like that ya


!ee! ya I recorded part three already, ya


do you want me to like re-record my part three, or I just continue, ya, oh okay


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


but I think recently something that made me very angry was actually there was a news about I can't remember the exact number I think was about six husbands drugging their wives so that they could rape each other


I don't know if you have heard the news ya but I saw it recently on like twitter from mothership and I was actually quite angry because, like how could you do that to your own wife and like


I mean, like to me marriage is something very important ah so I thought if you actually met you are willing to marry someone you should love that person a lot but to actually drug your own wife and let not just one but multiple men


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


I also tend to like get scared because after all I'm also a woman and you never know maybe one day I'll end up like in a similar situation and I just thought about something very scary ah like you never know what's going to happen to you in the future


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


more of fear like worried for my future and what if I actually meet the wrong people not just man but like friends or like anyone around me that hurt me lah and , not like not just about that but maybe like in the future let's say like if I had like some terminal illness or stuff like that so it just really made me thought like oh life is really like short and you never know what's going to happen


I think for me like, obviously sometimes I'm afraid like whatever I do or whatever I see might actually hurt others if I'm not like careful enough but I think that's when like communication is very important like if you are just


not comfortable with whatever like the other party is saying I think you should voice out because like, I actually had this friend where we used to joke maybe last time we were in secondary school so we were kind of like young and childish so we always joke around with each other like the things that she do or the jokes that she say to me I'll like say back to her and I thought is fine because since she's joking with me so she should be able to


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


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


insensitive ya, but I just feel like, if the same thing happens again it'll be resolved easily if she could just tell me that she was uncomfortable ya cause I mean after all we were very close friends


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


he actually got a job that he secured last time when he intern with that company but because the company was trying to cut expenses because of the virus so eventually he didn't get the job like even though they promise to take him on after he graduate


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


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


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


I think the same for me also ya like right now as I grow older I become like more sensible in a sense I start to worry and like, I mean care for my parents more versus I think when I was younger I'll used to grumble a lot like why can't I get that iphone that my other friends have and I'll try to fight back with my parents asking for more ya but


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


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


for me I talking about meals recently I actually baked with my mum and I was trying to make like a lotus you know the lotus biscuit ya I was trying to make like a lotus biscuit flavoured cupcake


and then according to a recipe that was like uh icing that I need to do that I need to put on top of cupcake but I don't actually have the piping bag so I actually made my own according to like youtube tutorials but it the end I kind of messed it up


so like the icing actually turn out quite bad actually looks like shit like you know like human's real poop lah ya so I think like that was, a recent memory that I actually laughed a lot because the shit was really funny is not what you expected to be ya and actually gave my neighbour who is living beside me and when she saw it also she also uh laugh so I was just like quite embarrassed about myself


because it's the first time I've baked since like primary school and I mean I wasn't expecting much but like I didn't thought it would end up looking like that so it's quite funny ya


for me it's more of like not really because of my interest but is more of like in the future when like I have my own house like I need to learn how to cook like I can't just rely on my mum forever that's why I'm trying to like cook and bake now


but like rather than feeling very happy it's more of like me being embarrassed because comparison between like me and my mum and me and my sis is a very big difference so every time like after I cook a meal or like the end product of my cupcakes it looks very bad


but like I mean they won't scold me or like make fun of me or anything but I'll just feel like very embarrassed cause I mean after all I'm a twenty year old kid but I'm still making a mess of simple stuff ya,


I think I'm the total opposite like I hate waking up early because now like everything is online for all classes so I finally have time to sleep like I just have like wake up five minute before my lesson start so I'm really at trying to catch up on my sleep


yup so I hate it whenever, no I just hate it like whenever my mum tries to wake me up because it's like time for breakfast or time for lunch like I just want to sleep more ya so, I think I'm just really enjoying my sleep right now


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


so it's in the sense kind of therapeutic cause I've the night to do whatever I want ya, so I just try to, catch up I'll just try to catch up on like on whatever things that I want to do alone like for example like reading my bible and stuff like that ya


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


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


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


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


having like a mini run or like hike around like marina barrage so we actually I can't remember exactly where we walk but I remember the seniors were saying that it was like actually a eight KM walk and stuff like that and I just remember like myself being very tired


but at the end of like the trail we were actually went to marina barrage and there was like I think was like a platform area whereby we can see like the night sky and was like very beautiful and it's like very rewarding because I mean because


the jog and the run or the walk is very tiring so like at the end when I see something very beautiful the night skies kind of feels very therapeutic and very rewarding and like I've never done something like that before because my parents are always like


a morning person so by the time that is at night I'm always at home so this is like one of my rare moments that I'm always out at night so it's uh kind of like different experience that I kind of enjoy it ya, and it's also nice because you are doing with your friends like all the tough times because I was in a uniform group so they actually train us very hard during like that run whereby they didn't allow us to take a lot of breaks and ya ya so it was kind of tiring but then at the end was


quite nice to enjoy with all my friends ya


I think for me like recently because I'm always at home and my room is actually quite messy so I'm packing up like my room recently and I actually found like a lanyard that I had back then when I was in secondary school like I said earlier I was from uniform group so at that point of time there was like


a competition going on or rather a selection going on ah whereby within your batch mates only two can be selected to become uh unit training instructor which means only those top two


among all your batch mates who are the best in drills can actually get that lanyard and be called a UTI lah so at that point of time like my entire batch we all wanted we all trying to fight for


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


I remember at that point of time like we were all trying to fight for it but I mean there wasn't hard feelings or anything we just enjoyed the process but to be honest I wasn't expecting , me like getting the position initially because all my batch mates they're all like very talented in terms of their drills and their commanding and stuff like that so I mean I tried my best but I didn't had any expectations and


even if like I got it like I don't think like uh I think I probably make it only like by a narrow margin or something like that but then eventually when they released the result to us I was selected and then I was actually the second base but the difference the point different between like


the first base and me is like only a one point difference so at the point of time I was very shocked because that the person who came in first base she's always she always known for like being the best in drills like ever since she joined the CCA when she was like sec one a lot of people


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


and I, it just feels like, more than being like more than it being a burden or like a huge responsibility on my shoulders I just felt like , I finally achieved and accomplished what I've always wanted to do and like all my hard work and everything it actually finally paid off ya so actually at the point of time I was very happy I was actually like one of the very proudest moment that I had in my life ya I just felt like


ya like I finally succeeded in life that kind of feeling ya


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


for us so actually why did you start using these type of products


for me also from young my parents actually helped me to setup an account but then I did not have any direct contact with it because I was young and have no knowledge on how to handle this type of account so what I did was just pass my money, to my parents but right now I'm using this savings account to track my spending and ensure that every month I do not spend that much on certain items and to keep my spending in control


ya so what about you any other experience, using this banking account uh products


I actually agree with you on the part where our debit card can double up as a EZ link card cause I actually have a personal experience where I forgot to bring my EZ link card and then I just have to activate my debit card on the spot to able to travel and that's very convenient and also I feel like nowadays since we are going cashless we do not want to carry that much