that had committed suicide at my place, ya, yup from the eleventh floor and then uh I was the first respondent on the scene, and, stuff like this you know makes you wonder you know is there is is is enough being done to help


people with uh mental issues, (uh huh), okay oh shit over (uh huh)


right


right right right right right right


correct but sometimes you feel like you know that this can be avoid I mean, you want you would want to think that more is being done to protect, this kind of uh vulnerable people


ya, correct correct correct


(mmhmm) (mmhmm) (mmhmm) (mmhmm), right (uh huh) (uh huh), like (uh huh)


(mmhmm) (mmhmm) (mmhmm) okay, right right


(uh huh) (uh huh), ya I mean cause you you were there to see these are people that you know, ya, (mmhmm) but it's something that you can you will never be able to comprehend you know


you see something you will never be able to comprehend, the the intensity of it lah which drives them to do all this you know, like you you know for fact that you know that time I was uh I was, talking and then like just going out with somebody whose


uh under severe depression, and then uh ya and then uh, ya then there were times there were times uh she she told me she, she meets a psychiatrist


and then uh what she actually does right she lies to him, she lies to him about her condition uh so making it seem like it is way more than it what actually what it actually is, so that she will get endless uh, endless medicines and pills cause she tells me otherwise she can't go about a day if she doesn't have the pills she feels like she can't do anything and it the pill is a happy pill [loh]


so she says she can only feel emotions with the pill, with the pill uh it's just date just uh like, she is just emotionless lah she and she doesn't talk to anyone, she zones herself out


she's on her bed she won't leave her room, and she's not receptive to anyone at home, and yup and yup and sometimes she feels like you know uh end up I try I mean I was talking to her and then and then


just that I felt like as long as a singular person I couldn't do anything about it maybe what I should have done is I cause at one point she was telling me ya she wanted to to take her own life, and stuff like this but uh


ya correct correct ya, so I felt like at some point I felt like you know I didn't know how to handle it so I was just like, I got to let her be cause I asked for me I asked whether you know I should tell her good friends and then uh friends about it and then cause they were the they would be the ones that know the best about her


correct, that's where, that's why it comes down to you know, like if you should actually like drag them and like like like go and find help seek help, or let them recover on their own


you know but stuff like this actually can uh, uh what they call it pass on to you also what, I believe that is uh eh insignificant uh significant to this conversation


ya, anyhow so, have you met uh have you bump into very depressing people, I mean uh people who are depressed not very depressing people you go


who are depressed you know have you have you seen your fair share


and you must you must have been frustrating on your own and when when you're going through that, cause it's something you see you you feel but then you just can't overcome


to act out in ways you want to but you just can't


part two positive experience, so buddy when was the last time you actually travelled


ah yes, (mmhmm) (mmhmm) (mmhmm), yup that was definitely super fun


(mmhmm), yup yup definitely, you would ya you definitely not very fond of the whole trip to start off lah


yup yup yup yup, correct


endless water, ya , correct correct, (uh huh) (uh huh), ya it makes you feel so small uh minute in this


him correct correct correct, ya, ya, (mmhmm) (mmhmm) (mmhmm)


okay okay tourists does, (uh huh) (uh huh) (uh huh), ya ya correct


(mmhmm), it's humbling it is ya that's the right word humbling is the right word because you are small figure and then you look around and it's just you, ya, ya of course


yup serene, calm ya ya, and you become one with the sea at that time because, the waters are so peaceful the waters are so peaceful and then you are at ease and then


that's very true that's very true if you think about it ah if you were to do this for ten days straight ah you just out in the sea and then uh ten days out you might feel otherwise where suddenly you think you start to think oh shit, uh I'm more I'm used to a more


uh a a life which is busier I need uh, buildings around me and then uh I need more things and just endless water


(mmhmm) (mmhmm) (mmhmm), it's never will yup yup, (mmhmm), okay, ya


correct correct, (mmhmm) (mmhmm), ya, ya ya, correct


ya, ya, no it's just it's also like it somehow you evolved from a one day I'm like uh all I see is building sand then suddenly the next day I'm out in the sea and then it's a total transition


correct correct and then you can do it for another day or two but then you want to go back to


uh fish for girls uh no so what do you catch


okay so what uh , so what do you uh you catch yup yup yup, , so how's the catch then that time we went how was your boat cause we were on different boats


you are on the same same boat, ah right right right, yup certainly worry ya


but but it is it is a very different experience uh when you land


correct correct, ya but it it it's worthy it I mean it feels worthy when you catch and then you can actually, take it back to the island and then cook it up and eat it and then it's that the whole experience ya


did I oh ya ya ya ya the mackerel, ah ya okay okay that


(mmhmm), yup yup yup correct correct, (mmhmm) (mmhmm), ya


ya so it which did he didn't fancy, ya, ya, tougher right , ya I definitely certainly enjoyed it


(uh huh), ya, fair enough


(mmhmm) ya correct correct correct, ya but but that that it was the whole more than the fishing, it was the, island experience and then you had the tropic, you had a bit of the tropical experience cause you went to differentiate the the forest and and stuff


ya that's why it was


(mmhmm) (mmhmm) (mmhmm), ya definitely, extreme ah right right right but ah


clear and all right (uh huh), (uh huh), but I mean diving in that moment you felt like !wah! this is, this is cool ya ya it's amazing


we definitely did definitely did


oh joe, I ended fishing shrimp ah, (mmhmm) (mmhmm)


so so what what's the deed that stands up to you that that that you have done in the past


everyone will bring about their own ways lah


ah okay okay, (uh huh) (uh huh) mistakenly


ya ya, right, (mmhmm) (mmhmm) definitely


to be to put down by his circumstances (uh huh), (uh huh), oh so what he does his day job is actually he's a masseuse lah


(uh huh), right right to enable them to be actually be employable and


, ya and then sometimes you feel you feel good that there are this uh kind of organisations that actually look out for


oh so he's actually uh mum the mother is still around


right right right right, (mmhmm) (mmhmm) and definitely his disability is uh could be a factor


eh definitely this is something that I wouldn't mind going down for also, it's it's it's it's good to to you know to actually engage all these people who have, feel left out from society because of their disabilities


ya which is always a good thing, if you recall if you recall uh, last year was it last year ya it was last year uh remember right after I ended my exams


uh right after I ended my exams and then it was the first week of holiday that suppose to be time for me to to chill at home, and one of my neighbour, better now uh okay


so uh if you recall uh after my exams I was, I told I think I told you this where I was chilling at home and then suddenly a neighbour comes over, and then uh this neighbour doesn't have kids, so uh he told me that he needs to go to the hospital


and then I'm like ah okay uncle I'm free at home uh I'll follow you, so I follow this uh, uncle to the hospital and because he's uh having chicken pox lah, just having chicken pox so I followed him to the hospital


and then what happened there was uh they wanted to admit him, and uh they wanted to admit him, uh correct, uh it's a it's a it's a sucky ending lah but, so they want to admit him he didn't want to become he didn't want to get admitted because of these whole uh


the pantang thing where you know if you're having chicken pox you shouldn't leave the house, and all that but then they convinced him otherwise, and then at that point you know I gave admission at the uh the son, so after that uh after that he had to be admitted so I stayed there as long as I could I left and then he told me the next uh tomorrow the next day me to take my wife to the polyclinic


so subsequent day I take uh his wife the auntie auntie to the polyclinic cause she she was uh having measles then, so taken to polyclinic to check up on her measles than uh finish her she's is cured then after that I dropped her home and then went to the hospital again to check on this uncle


and then that's where I I take my parents along so three of us we visiting him, and then he's now in this isolation ward lah because chicken pox, uh so that day everything was okay then I put my name as the the the son so the first point of contact


ya so after that uh so I left the hospital, and then uh the thing is it's chicken pox who won't recover from chicken pox right and then uhlittle did I know after I left uh another friend came along, another friend of his came along and then uh, replaced uh put his name instead to be the first point of contact


this person is a doctor this person a doctor so, ya correct correct correct so this person has definitely a lot more medical knowledge, so it's fair lah it's it's fair that he put his name uh there and then at, sorry


I was never his son at at any point, ya ya so , that same night suddenly I get a call saying uh the uncle just had uh his, had a heart attack, and then uh so uh at that point I'm like so what do I do now


and then, no I was I was actually playing LAN, at that point when that, no no no so so they called me at about eleven saying he just had heart attack then I'm playing LAN then at that point I'm like shit, that's when I didn't know who to contact cause I know his wife is stroke patient so I can't call her


and then I had nobody no relatives uh contact number on me the only relative I had was his wife's the uncle's wife's auntie's brother who's in india, so I call him and tell him this what transpired lah and then he's like he's


ah I think I think did I I really don't recall it's like crazy day and then after that ya, correct correct correct (uh huh) (uh huh), ya ya ya she was she was


correct correct, ya, so think about it ah when you're hit with this kind of news ah to if it is your if it is uh your relative and then you can act on it you can do something about it and then you can inform


this many people but, to bear this this kind of news on your own, it's at that point it felt, quite crazy, ya ya so I I had to call the brother and then I tell him like this is what's happening here


and then the brother is in india at that point then he's like, I ya the brother-in-law his brother-in-law and then he's like I have to look after my clinic and then I can't just leave like this I need another three four days, so at that point I like, fuck what the what do I do now


so that's when I go down to the hospital and then as I the doctor the doctors told me they managed to revive him, so I stayed the whole night, and then stay the whole night until morning what seven AM, and then seven AM cause the the whole time they the the doctors weaving weaving in and out of the room


so at that point I'm like shit how now and then (ppb)


part one finance, yes I do have personal insurance lah, uh


the the name of my provider is uh Great Eastern, and my policy is mainly through this uh hospitalisation and accident lah ya


oh okay that's interesting, so so what is your experience so far with your uh existing policies


okay, all right


oh okay, ya lah I I agree with you on that as well lah regarding the endowment and savings plan but right now given my current uh current situation I think uh I could make do with just what I have hospitalisation and uh accident I


of course of course uh for the accident plan I have had a need to make use of it cause I had a injury recently whereby to tap to tap into it uh what the coverage it provides lah


and it was very useful lah so it significantly reduced the cost I had to bear ya and another thing about uh hospitalisation which I want to add on let you know about is the rider lah, I feel that just having hospitalisation is not enough at times it's better to have your rider so when you have the rider it's your you're covered your coverage is even higher in a sense that you don't have to fork out any money at first


ya and there are some other benefits as well lah ya


uh yes in fact uh regarding the same accident the same excellent plan, uh I thought I was covered under allied health care but apparently I was not lah, so regarding my situation I consulted the sweat I injured my ankle a over fall or slip by sustained


and so uh it was causing me a certain amount of this uh certain amount of significant discomfort and uh I decided to see a specialist an orthopaedic regarding this lah, so the orthopaedic uh uh give me an appointment and there was a consultation and then he had an MRI done for me and the results came back and he said there was nothing serious but just a minor sprain and he recommended me to see a podiatrist


okay just uh just for some of the treatments they offered and all that lah, so I went to see a podiatrist uh which now I am aware falls under the category called allied health care, so I checked with my agent uh and he was he reassured me that allied health care covers covers uh I mean uh allied health care is covered by the policy lah


but, apparently it is not lah ya ya officially it's not cause when I submitted my claims I was not able to get get my refund ya so that was a huge sticking point for me lah, you know


ya there is us there is a bit of grey area cause if on the one hand if you completely trust you're agent, you know and you leave it to him to


to be sure of what exactly the policy entails like all the nitty gritty like details and all that you know all the small small stuff, so if you leave it in his hands then ya lah but if you go and if you do your own due diligence you go and check it out and read it and all that you might be aware of I mean you'll be better placed to make a better decision and know what at you're covered and where you're not but then again like you know


this is also an issue like let's say those who are older or people who are not that highly educated or who have difficulties going through the terms and conditions you know all the legal terms and whatsoever, so who how how how vulnerable are they, so they're at they're at the their agent's mercy what right


so whatever the agent say they take it they take they take it to be set in stone and then you know and they proceed forward so in in my case like I experienced it first hand lah and furthermore this person was my friend, you know I mean so it makes it even more significant lah in a negative way ya so that's


ya definitely definitely definitely ya definitely, ya definitely lah this this this is definitely one of those reasons


you know what I mean and and come on like I'm experiencing experiencing this coming from my own friend you know and it might have been a accident it might have been negligent, ya ya but you know but but you see it still happens so and so this this is a situation of oversight what what about situation whereby they are like those agents like unscrupulous agents who like you know they just want to tell you like ya ya it's covered it is covered you know they just want to get the job done away and done with ya ya ya


ya ya ya so you know ya ya ya


ya ya ya as in as in even you even you want to uh inquire about your your appeal or your claim using your policy number right the process is so slow you call the claims department and like you know they're just telling ya you got to wait this and that all when the agent does it it's much faster lah


ya but you know, so and I uh you can't take this matter up to the insurance the insurance provider as well saying that you know negligence on on behalf on the on the part of your


okay


ya what what what you say makes some sense as well lah it it it's something which can be implemented like general hotline whereby people can call and they can ask about policies and all that right, ya actually that sounds good lah that what what you says make sense uh I mean I I am sure


what, okay okay, you see that's the thing about changes lah, that's the thing about these changes lah you know like, like, we are not really fully aware made aware of the changes I mean sometimes they send uh this letter on a big envelope with like you know so thick and all that you expect me to peruse through the whole thing ah


you know I mean so like they don't really get the crux on the matter whereby their policies changes are being made to the policies, and at times we also wonder why are there changes made to the policies also you know why, if so why why is this benefit which I had before I'm not able to have it now and regard regarding my own experience right it was such that uh


you know the allied health care is covered, in subsequent accident plans I mean ya like from for those who have taken the plans like I think a year or a few months after I have taken right they are covered by allied health care, so my question my question my


ya it's the same plan exactly so when I when I when when I asked my agent cum, friend about this he was telling me that eh uh ya but it's only the whole thing will be activated only from like a few months from now and all that lah so you know you were not covered lah this lah that lah and all


ya of course but as in then again like you know such it is uh I feel it is a necessity to have , at least medical coverage lah medical coverage


ya ya ya as in like nothing is set in stone [orh] why why is it that why is it that always it has to be subjected to okay I understand that you know you subject the claim to underwriter and then you know it is to his


it's up to him whether to decide whether it's a uh proper claim or not or whether it's something which uh which is which is claimable lah, you know but then again also a lot of grey area like the underwriter you know it's like why you know giving you a proper explanation so


so as in let's face it like this is a business but you know, to what extent and all that ya


ya still running still running


I think uh medical hospitalisation is needed lah but you know then again it depends on how you look at it lah, certain people feel that you know we are young so we don't need it nothing's going to happen to us but then again you never know what kind of curve balls life throws at us


another thing is like when you buy, pardon, ya but then again when you actually so firstly for what I feel that you know you you never know what might happen in life firstly and so it's always good to have it


and secondly like even for minor procedures or minor ailments which we have to be hospitalised for or we can uh make use of that accident coverage you know and another thing is that the premiums are lower when, we get it at a younger age so that is one more benefit of it lah so it's like I feel it's like you know it's


two birds with one stone, the premium is a bit lower at the same time like you know anything might happen so you are covered, and it and I feel it's like very what we pay for insurance in terms for medical insurance is a very insignificant portion of


our incomes, you know what I mean so which you know we can be covered lah and then uh I feel savings plan savings plan necessary not necessary you know I'm like I feel like you know I'm neither here nor there on that


because basically saving plans is like you're giving your as in you're you're saving you're you're giving a monthly sum every month and then you know your money is being invested for you and like many years down the road the returns will come you know the whole sum will come back to you and all that right, ya so it's


okay okay, but then again if you are if you prefer to handle you own finances you prefer to handle your own savings be it in other ways you know


other other modes other than like you know insurance savings plans then that is fine as well what, so it so because of these reasons that I'm neither here nor there, and I mean my opinion might change, somewhere down the road you know


but right now I'm just saying ya, and it's, coverage medically I feel that's it would suffice ya in medical terms I feel will suffice, but in other terms I don't feel that it's a requirement for me at the moment now lah


okay


okay, ya


which you knew you never had lah, ya


so this is where the agent is very important I feel like you know so it it is the servicing part, the servicing part comes in here you know so he has sold you the policy and in certain circumstances he might be a personal friend or an acquaintance


so this is where the servicing should come lah as in there's no there's no point in actually like you know what I mean like once you sold the policy okay we're over and done with game over you get what I mean so the servicing has to come like you know okay maybe a courtesy call once a year this and that just to let you know what you have available and what you don't what you have and which you do not have


you know but at the same time we also have to practise our own due diligence lah we have to know what we have and what we don't have, ya so I I feel I feel like you know in in what what in you what happen to you , it is quite you know if I were you I'll be not too happy about it


ya this this actually nowadays it's actually very prevalent ya among the elderly lah and you when you and it's given your what happened to your father regarding this policy right


you know he didn't even know that he got hospitalisation for all three of you all right so and he he falls under like senior citizens category, okay


okay, okay okay okay okay okay


ya ya ya, yes yes yes I understand what you mean, ya, yup yup yup yup yup that's right, correct correct correct


so they have to figure out a way to work around this lah, you know


it's it's a fun fact here ah you know , so uh we we have this mutual friend of ours if you recall, who who is an agent and uh, via him it was revealed to us the number of uh


remember the uh we were discussing about this the other time, the number of unclaimed policies, yes you know the number of unclaimed policies, ya so this is so you know


so I more more more more can be made to reach out to these people's unclaimed policies or those those who are elderly or even like you know a certain age age bracket and or maybe educational uh level you know to just let them know or be it okay it doesn't have to be across that don't doesn't have to be any filters across the board just send people


letters out regularly or what to tell them what they have what they don't have, you know and maybe they can go down on the technicalities a bit, you know, just state state what what it actually entails and then when they when they request for further information or whatsoever then you know you can elaborate on it


okay so so so back to the platform again lah you what you talking about is back to the platform as in whereby you say for the claims and all that what we are covered or we are not covered ya, ya ya I mean I agree with you on that lah I agree with you on that but regarding


ya I understand ya ya ya understand understand I mean ya it it ya it I for me it's I think it's a bit whimsical lah you know this like why why you all are making me wait so you're making me wait cause I get sick and then I don't want to I forfeit my claim ah


I mean I I do understand that maybe they have a substantial number or huge number of claims , but at the same time I'm pretty sure that you know


the claims department is quite big also lah , exactly


press the red button [ah], okay


part three negative experience, !wow! so share with me Vinesh


ya I think I've I've seen a lot goosebumps on your hands before so I think I familiar with this lah, why don't you share why why don't you share with me the experience you know at uh fort canning park you know you told me before I always like to hear this story from you


you and Ishmam and all there you know for who don't know who's birthday you know my god there was a super supernatural supernatural feel to that whole thing ya tell me the tell me the tale tell me the tale son


okay, at fort canning park lah right, ya ya ya ya


ya, ya ya, okay okay all right


okay


okay all right all right all right, okay okay


(mmhmm) ya, okay, so but what what what was the time what was the time


three four AM what were you all drinking, oh water soft drinks ah okay then okay then okay


this is the what, oh the the seventh lunar month ah hungry ghost festival ah okay


ya, oh so that whole that whole uh so it's not old wives tale lah, you know that you know it's the clean not clean kind of thing ya, oh all right okay


okay, okay okay so so this this uh this this entity which also is actually a is a supernatural entity negative entity which also it's actually uh, a very famous figure in uh, the local look of the


around these regions lah the southeast asian regions within the malay folklore and all that you know exist right, ya ya ya ya ya ya ya, nah I haven't seen one for but what what did you call again ah


what what what okay


!whoa! many times lah I think, lately ya definitely man like you know sometimes you know you're you're standing in front you like you you've took you've took the train you know and then you're going to you want to exit the train you want to you want to exit the train so as you about to exit the door like you know people are just rushing in to


get in like you know for what reason you know they got to lose their life I don't know what they rush in and it's so annoying lah, ya pet peeves lah whereby I don't know why these these things make me angry lah you know


so it's just like why why why do why why can't everybody be more courteous to another be more polite you know why why do you have to weave the faster you board the faster the train is going to move off or what, and some of these people they're standing like max centre you know so when you when you walk you have to like dodge them and go am I what am I am I am I playing a so am I am I am I playing a evading game or what


so I mean for me I feel this is uh I mean the the majority of the people I see doing these are older people or like, people who are not foreigners not really singaporeans you know, ya


you can lah but at the same time you know sometimes uh you don't really want to come into so close in very close contact with people at times, uh I mean you know what I mean you don't want to be like so close to people like you know when you you know there there there is no reason for people to be so close to you to brush past you or whatsoever and some some sometimes times and at times another pet peeves is


the personal hygiene of certain people is really not up to par lah they've I don't know if they've showered before they've they come and all that or not you know, personal hygiene right ya


so like this fellow comes in and like you know one whiff and like you know walk he he walks past me so these gush of wind and you know you I'm just breathing normally and oh my god good god gracious lord please have mercy on my soul, so it's it's that it's that it's that it's that bad lah you know


and you look at him it's like you know oh he just got out of bed put on some clothes , I haven't seen people spitting on a train lah I haven't seen yet man


I haven't seen spitting on train, he spat on the train oh my god, what why why would he do that why why would he do that


you've seen the punisher before right, like the Marvel comics is where the punisher, sometimes you know you you should just become the punisher you know make the guy oh ya ya ya


but you know sometimes these these people really make me angry lah like you know you just just want them to experience what they just did lah, you get what I mean, like okay let's not get into violence and uh, our deep dark desires here lah so but ya


my greatest fear, (hmm), does it, ya I mean man where I there there are many ways you can look at your look at your deepest fear lah you can look at it from a philosophical view point


you can look at it from, maybe like you know certain events happening, or about like creatures you know maybe you can uh get me started on this by sharing something with me first


ah okay okay, okay okay okay okay


ya ya ya I agree with you uh this this is definitely one of my fears as well lah, ya so


no, you know exactly lah and uh when such a thing happens we do wonder if, we have the inner strength the courage to actually move forward, and it is something easier said than done so you know it's so scary like you know uh when will I ever be able to see myself differently again I'm not myself as in with or we are not ourselves if you know if something like that occurs so it tends to affect us profoundly ya ya


ya that but that that is that is something uh that is something to consider about something we chose very true but at the same time uh I feel the inner acceptance is the greatest the self acceptance


you know and uh funny recently I came across this straits times article I think was a few years back lah searching something on google [loh] scrolling to something and then there was this strait times article about uh about this this man lah you know so he basically he was a navy was a navy regular


and then uh he was on board the boat lah so he was on board the ship, so accident happen whereby he lost I think both his one of his arms and two of his legs, and this was a very active guy you know and he's into sports and all that you know


he's into sports and all that and and you know he was affected by he was he he went on to win gold medal for singapore at the paralympics lah I think southeast asian paralympics if I'm not wrong the sea games paralympics lah something like that he won gold lah


and he was how do I put it ah, he didn't let his setback like this was a huge setback you know this is a huge setback you know and there's a picture of him right and he he has this uh, like mobile uh wheel wheelchair it's motorised wheelchair and then like you know he just has one arm and no legs and all that


and this was a guy who was fit you know who used to you know who cause he was a regular lah he was a navy regular though he was a he was a he's a soldier lah you know simply put but how his life changed towards the whole thing and how he accepted his circumstance and he carried on with life


and the best part right there was a short interview ya he so !wow! what I see pun intended nice one , so uh what I what I feel is that there was this oh no not what I feel there was a short video clip of at interview with him and I was how do I feel ah I was mind blown ah that amount of strength the amount of strength and


poise and serenity he displayed right, he seemed to hold no grudges against fate or live that, for being handed these cards you know he was just like he took it with stride and he give a bit about his background about his father and mother you know how they actually you know what kind of people they were and I think at that point in time they both you know passed on but it was


just that you know it was just that he was rock solid lah he's mind was like you know what this this is what happened life goes on moving on ya he had this, feel like you know rock hard resolve lah a resolve of stone how do you even get carry on with life after facing such things


and even no and and furthermore even with his even with his uh even with his uh even in his current challenges he faces right, in it also in his current activities whatever he's pursuing even though there are more challenges he faces he still pushes on he still goes through it he fights against the waves you know


(mmhmm), okay


ya ya ya ya ya yup yup yup, oh


ya speaking speaking of which I I recently at a relative lah this uh young girl she's what eighteen this year she committed suicide lah, ya I think she had a uh ya, apparently she suffered from depression but she's getting better and all that


so she had a late night out with her friends she came back the next day I think in the evening or afternoon then her mother was very upset with her you know they argued the mother confiscated her handphone so she locked herself up in the room next thing they know few hours later or what they start knocking the door no answer they realised that she hung herself on the fan lah


you know so ya she hung herself on the fan and like when when when when they like when they like when they like sort of uh released her, and brought her to the hospital like she was still alive there was a bit of life in her left and then when they brought her brought her to the hospital and admitted her like you know it came to the point where the


the asphyxiation caused her to be sort of alive not alive like she's brain dead you know around there but still a bit of function but brain dead, so then once she passed on like it was clear it's kind of sad lah, ya it was it was it was it was kind of sad but then then then you know we're talking about it like whereby like you know how how how can a ceiling fan actually carry the weight of someone how is it able to bear the weight ya


I don't know I I, I don't know how because most cases of depression don't end in suicide what right so who is vulnerable and who is not like how we'll able to


uh classify these like who is who who is who is who is on the verge of going to on the verge of uh suicide you know or self harm or whatsoever but I I I was really affected by this lah cause like you know this this girl I've seen her since she was a young kid you know she's like a good ten years young about ten years younger than us


and then you know it was such a it was kind of depressing lah to see the parents and all that and whom I've known for very long they have been like we're close relatives lah so earlier earlier part of the year her grandmother passed away, due to old age sickness and all that then this girl suddenly pass away so it was like it was I don't know why ah uh to be honest this affected me quite a bit


it affected me quite a bit lah I didn't expect me to have such a, negative profound effect on me ah and why would someone want why would someone ya why what why why would someone want to take take their life and and at such a young and tender age so what drove them to that like what what is it


ya ya, pardon, ya never we will comprehend yes yes yes yes yes


oh oh is it a girl, oh so it's a date lah


okay


oh okay so she only feels emotions with the pill so without the pill how she feels, so she just lies down flat she just lies down flat and just you know


she doesn't move lah basically, so she just basically doesn't move lah, so you you tried to help her right if I'm not wrong you tried to help her right


so as you told me as you told me she lives in her own bubble and she that's what she told you right she told you not to pull her out of her own bubble so let her come out of the bubble on her own


right so why so what, so the million dollar question is should you pull her out of the bubble or not


ya, (mmhmm), so did you dapat her


do you dapat her, only guy fun ah


, I think kind of lah I I have a personal experience ah I have my own demons to fight lah but not depression lah, ah ya I mean I'm sure you're aware lah uh it's not depression but it was was uh something to do with a bit of uh it's a compulsion and obsession the compulsion ya OCD lah basically


so, ya it was frustrating man like it was frustrating but, ya, what the rationale mind says, is is not being accepted by me lah the rationale the rational part of me


is not able to is not able to to send the message through lah, (mmhmm) (mmhmm) yup ya ya ya, so , so there's certain like violent tendencies you know there is a


part two positive experience, yes buddy


uh it was a trip we had together lah two years back if you recalled, it's a it's a fishing experience in uh it's a fishing trip in Tioman islands right, so so that was my prior to that you have had fishing experiences lah but that was my first one as in some more my first one and uh it was the first time we went together lah right


so I I don't know I I I I don't know is this something about the you know I was not looking I was not uh too enthusiastic about it, uh as in before embarking on the trip I was not too fond of it lah to be honest because like you know it's just


whole day we'll be out on sea and and left out in our case like two day two whole days out in sea you know I'm more of activities kind of a guy so it was like you know just fishing and all that, but you know uh it turned out to be a eye opener lah, I mean I still won't say that I love fishing okay but the fact you know like being out in the middle of the sea you know the south china sea to be precise with like nothing around us you can't see anything except for water everywhere


ya endless and then they're like just as far as your eyes go you only see water, and then you know apart from the occasional birds and all that that was ya it's so minute and like you know the the universe's grand scheme of things


so minute so minuscule you know so insignificant that you know you just like the waves which which are flowing you know which rock the boat you know it's I would uh put it as a very surreal experience, especially when it goes towards dusk you know about three plus four you know it's going it's going from dusk uh to the evening night timing and all that like you know I don't know it


it is scary honestly scary it is a bit uh it's humbling it's it's intimidating ya, ya ya ya ya ya ya, ya it's just you, I mean in our case like we're in a boat you know we we have company for each other lah but you know it's humbling but at the same time it uh how do I put it ah it gives you this serene feeling ah this serenity you know there there's this uh there's this whole arching theme of serenity lah


you know you feel that calmness within you like you don't you don't think about, ya ya uh sort of ya ya, ya ya ya like it just but like you know but I I don't know what our reactions will be if you were alone lah you know and for prolonged period of periods of time but for short for a short while right really it gives you that


that the escape from from life ya escape from real life like it gives, ya


ya ya ya ya ya ya, no I mean for me what I feel is that uh what this does is gives you some it gives you some perspective you know a perspective a different perspective


so but uh too much of this perspective if so I don't think it's gonna work out lah but it's just like for you to destress come down and understand that life is not just how we know it it okay within nature it's in like within the grand scheme of things the universe's grand scheme of things


within the whole planet scope of the whole planet earth life goes on in different ways and life is not just something as we know it you know so there are different perspective so when out at sea we are looking at life from uh from the perspective of nature mother nature you know


ya no no doubt it it has therapeutic effects lah I'm not going to say that it has not it has therapeutic effects so and you and you feel good about it lah after that one day you feel refreshed


you know I mean the fishing, that the the fishing part also was quite fun the fishing part was like cause I've never fished before I mean not fished in sense I've to handle the fish and everything and all that lah


pardon !huh! bro I'm a fisher for man bro I'm a fisher , ya ya eh sorry that that was a ah okay you understand right fisher for man


oh ya, eh ya I mean, but the first thing we want to say boat what


uh I mean we can say we will definitely not get fish lah, , so uh for the first, if I experience that mean within for me I didn't catch any significant lah with all these small groupers don't know what some funny funny fish with a funny names and all that lah but uh


you know I mean yup, I mean that's what we did what right I mean when you were on our boat you caught the you you caught the only significant fish the the only big fish


not the mackerel the mahi-mahi uh dorado but, I don't know one of our friends told us told me that uh fish actually you know so so is this huge ass sorry it's a huge green colour fish with a huge forehead so that's how it looks like right it looks like greenish blueish so it looks colourful and it doesn't really looked that edible


but but actually it was quite a tasty fish right it the meat is a bit firm so one of our friend skinned uh that uh the texture of the meat to chicken he said it's very chewy and a bit, uh tough lah the meat


but I I don't I don't think that was my experience I I liked it lah I I like I like my fish my fish my fish firm the meat of ya I like it tough the fish meat a bit tougher ya so so we enjoyed it lah right, and then we were we were having this we having this thought of whereby like eh why is it why is it like you know why why why does our preference why do our preferences vary so this fish I've I've never seen it around I've never had it before but you know but it tastes so good and our our our mutual friend told us that you know this fish actually is very cheap it can be found in the market and all that


right ya ya ya it's like oh I think that was kind of hilarious lah, ya the whole island experience bro like you know we explored the waterfall there


ya ya ya, and the waters are so clear you know it's just this rustic lifestyle no doubt it's commercialised but you know at least it gives you a a peek into the old world lah you know how things how things used to be but it is you can't deny that the commercial aspect is there


(mmhmm) yup so I you know what it was it was nice lah to explore just walk around and all that you know for for I mean you didn't join us but we actually went to check out a waterfall there the waterfall, so it's it's actually not really a waterfall lah just this like stream of water falling from this ya so it's from this rock you know then they call it a waterfall but eh but but but the water was damn it was damn good it's damn shook to take a dip in lah it felt so cool and so fresh lah I don't know why lah


like you know I mean, ya this like oh my god okay it's it's amazing I liked it lah so the four of us went we all jumped into the pool not the pool lah okay into that whole that whole entrapment of water and you know we


we had a we had a kind of good time ah, ya, so moving on what was the biggest reward you ever had ever received after doing an awesome good deed


mine was for me for me the awesome reward is that innate feeling of satisfaction I feel lah the innate feeling that I've done something good my conscience speaking to me telling me that you have done the right thing you have acted correctly you know


so that that that that and the reaction of the reaction of uh in certain situations you are able to see you are able to see that the effect of your deed on others instantly


what is that deed uh I once helped a blind man in sorry a visually impaired man uh on the train, so I was I dropped off at uh I think Bishan and I was uh Bishan at the uh at the circle line stop and I'm you know to take the red line so as I was walking up the escalator I realised that uh there was a man who was holding a a walking stick a guiding stick


and then uh he was on the escalator is holding onto the railing and you know just moving up so I mean like, I felt that he might require some help cause he he seemed quite assured of himself lah, you know and people around him seemed quite they didn't really they they were not really uh looking out for him or whatsoever so I've I I I presume that perhaps he doesn't really need help


ya cause some more maybe he's used to you know taking the train and all that some more they have the they have the tag tiles on the floor and all that to lead them through lead them to where they want to go and all that right so but I don't know something just told me lah just struck me like why not ask him like does he need any help


so when he ask me so I asked him so he was like oh thank you thank you so much uh you know people are moving nobody asked me anything you know ya I I would like you know please help me and all that so I guided him to the right platform and uh I showed him, and I followed I in fact I followed him uh you know it's the funny part is I mistakenly took the same train as him so I was actually going in the opposite direction


so you know like in in, the universe's grand scheme of things as I would like to put it I took the same the same train as him lah, and then I ended up dropping him at the if I'm if I correctly I dropped it I dropped I followed him to where he dropped off I think if I'm not wrong the station ya so he was sharing his experience about how how you know sometimes nobody helps and all that and also how he became blind


so he's was not he was not born blind he he became blind as a result of high blood pressure or something like that and nerves in his eyes burst and he became blind so it was a very sad story because like you know this was someone who has who has the who has the gift of sight, you know which we all take granted for for most of his life and all of a sudden cause of a illness you know he lost it


you know but the the commendable thing and the the how how would I put it the commendable thing and you know the the thing which which I really you know takes my hand off salute to him is like you know he refused to be he refused to be, to put down by put down by ya put down by circumstances of what life has thrown at him and he even has he has gone for this uh massage courses courses provided by massage courses for the visually impaired ya ya ya ya


ya he's a masseuse you know actually the visually the I think, the society for the visually impaired in singapore they provide these services these trainings for those who are visually impaired like for them you know to like to provide massage services and I and and and the best part is I have experienced massage from such people before the visually as I from a visually impaired person and I I felt it's pretty it's it's good lah


you know what I mean so no so it's just like in life nothing you set your own limitations lah you get what I mean, ya ya ya so so so he tells me so he was telling me about it and I think he has a he has a small speaker which you know which you clicks it will mention the time and all that and then he gave me an insight about himself like you know this as in this person who helped he was telling me that


how he uh his name is Chandran by the way so mister Chandran was telling me that how in life uh, you know he he's single he's a bachelor yes not married before and he has a a old mother you know his mother ya it's old his mother, I he


!wah! you know this was like actually a few years back I think two years back so I a bit can't really remember lah but he was telling me about his mom and all that lah and he was quite upset that he didn't marry so he's he didn't get, hitched you know , so because of that he's like you know sometimes the loneliness kicks in you know nobody talks to you and all that you know and he was he was telling me that lah


how the loneliness kicks in and at times like you know you just want to talk to people like nobody comes to you nobody looks for you you know cause of you know you are so and so you're having this problem and all that, ya so so ya ya so so he offered me he offered me coffee like you know he's telling me you know what buddy you're free or what let me know you know we can meet for a drink or coffee


so ya I I took down his number but uh we uh it's something which never materialised lah maybe one day we can go down and meet him for coffee lah, okay, you know


ya ya ya definitely man to engage you know as in cause you know basically it's all it's all how would I put it ah you're value adding someone's life you're giving their life uh, some some form of a meaningful perspective the way I see it


right right ya, so do you so I I have a question for you lah do you do you do you do you have an experience when your faith in mankind was renewed


ya, ya, I uh I can't really hear you lah it's a bit soft ah


yup better now


okay okay yes yes yes yes ya it was it was not very good ending lah you know, you know yup yup yup I understand you yup


(mmhmm) (mmhmm) (mmhmm), ya, okay


definitely, (mmhmm), then okay lah as a next of kin ah


you stopped being his son ah, so you stopped being his son there lah, you stopped being his son at that point ah, oh oh okay so sorry about that


you were there right you were you were right there when the news broke, oh, I see no I I thought no I thought you were there as in you were at the you you were where


ah okay


no wait but if I'm not wrong the first person you called was me right, yes and I was shocked ya ya I was shocked then some more the best part is we I know this uncle and I know this auntie as well I used to go for tuition from this auntie right she used to be my tuition teacher


and so so I'm very familiar with her and ya I'm I know the husband to a certain extent also the the uncle is actually he's he's a very soft spoken man but he has a very deep baritone voice, ya


ya man ya so we mean cause like, (mmhmm) (mmhmm) (mmhmm) (mmhmm), ya ya ya oh his brother in-law lah, ya


>B? !wow! okay okay (mmhmm) okay okay okay


[oh]


finance


invest investment is actually you invest your money and then you build you build up double, that's what I totally understand from that, ya


I have not plan my investment portfolio, and neither have I, I have an duration of the investment horizon, ya how about for yourself, okay


your investment portfolio, okay, how long is the duration


investment horizon, okay okay ya okay


or the risk is like about ninety percent, cause it's either you lose it or you gain from it, ya not for now for yourself


okay you are afraid of it, okay okay okay


what do I think about automating, like just now I say I don't have any investment plan, for now ya, for now we don't have an investment plan !oops!


actually I have no thought about it, nil ya, like I I I I've never thought of before, uh


it's that per dollar what is your averaging investing, ya, having invested in options before what are your option strategy, okay


but I don't think it's a gamble thing it's just the economy's problem, ya, do you think investing or trading is similar to gambling, oh that's why I I I


I I don't think it's a gambling but I think it's just depends on the economic strategies


okay, how would you recommend a student or with little cash at hand to plan their investment journey


okay


ya, for me is I wouldn't, recommend a student


also because I think they just need to start saving and then when they are well to do then they can start their investment journey, yup, discuss the recent performance of the stock market


yes uh same for me I've not read about stocks and I've I don't know about this stock market issues ya


the should I invest with the financial advisor or should I invest on my own and why, uh I prefer investing on of my financial adviser and not on my own because I might take wrong decisions


and I will lose everything yup so financial advisor they are more , open to all this and they know where, the stocks are when the stocks are down and the stocks are high enough for us to invest for yourself


it's a long time run lah, ya, stock markets, okay (hmm) what does investing mean to you


ya oh okay


for me investing means is ya is growing of money but there is pros and cons of it lah, yup it's a lot it's like a fifty fifty percent chances that you can the risk is there and if it's


uh, if it's, under pros means you really uh gain back the money double the amount of money but if it's the con than you really lose a lot of money also and you lose your own savings also


yes uh if you have a sudden windfall of one million dollars will you invest your money, and how will you allocate your assets for investment


okay if I have the sudden windfall of one million dollars uh just I'll invest my


money , but I'll invest it not uh under insurance and, on, house houses


ya houses then I will invest it on property ah I'll invest on property, yup insurance and property perhaps I'll allocate my and the rest I will use for traveling so how will I allocate my assets for now I have no idea about it but in future I might have an open idea to it


yup buy low and sell high is it a good investment strategy, buy low and sell high is this a good investment strategy


buy low sell high let's say uh let's say uh you have a product and you buy it at a cheaper price at three dollars but then you wanna sell it at twenty nine dollars


ya you know for me is like it depends on the brand and it depends on the product


ya , (hmm)


what are your thoughts on investing in highly leverage products like options, what are your thoughts on investing in highly leveraged products like options, options


ya, oh that I've no idea maybe a high cost products or high branded products, uh


I don't think you ya I think I'll invest on gold too, yes correct


what are your thoughts on CPF contribution


okay my thoughts on CPF contribution is actually very very important for future purposes there're actually for HDB and on top of that like when we get old we have retirement all this ya it comes in handy with all this


cash that's being being saved in our CPF , and on top of that I think it's uh one thing that every everybody has to have a CPF contribution lah that's for , a positive thing to do do you do you think one should own a credit card


yes uh


for me is, uh , yes a person who is highly uh working and earning that amount of money then they, having a credit card is not an issue , but of those who like


like the middle range you know they are earning, about two to three k like that then I think, if they know how to save the money then they can have the credit card but if they don't know and they like to spend a lot then I think it will lead to a debt


it will lead to a debt and to get into the debt already that's a lot of stress stresses that will come you come around and then it will lead to even more uh even more problems for them instead of being the debt ya


okay to be very honest I don't have the habit of saving and uh to ensure my saving goals, I, I actually don't have I


actually have a saving goal but then I will pass it down to my fiance to keep all my money so that I don't uh spend a lot, on whatever I need to do yup so that is my saving goal is to to save more to save more money for my future purposes lah so that I don't I rather suffer now than suffer later on


yup , yes


okay


okay, what advice would you give to someone to get him or her out of debt, okay


ya for me is the same as you yep, what you want is more , second priority than what you need actually ya so , the advice that I will give them is to clear your debts faster so that you can live a peaceful life


yup and what no tell us tell okay


call your insurance agent, ya, call your insurance agent and then put investment in that yup yes


negative experience


uh when my girlfriend gets angry, ya


that that really annoys me the most the most to the most, ya how about for yourself


oh yes yeah, that's a vikram movie with a child but he'll be uh he will be he won't be a normal person


ya he will fight he will fight for the the daughter ya yup that's the movie that made me cry yours I think should be a lot more movies right, ya


okay, okay


uh my concentration is on the younger generation only what I dislike about them is like uh


a lot of things that the older generation people should do now the younger generation people are doing, like thirteen or fourteen years old having boyfriend and they go out, they go in a very wrong way and they think that it's fine for them ya they don't know that the after after age you know they will really really


be uh how to say ah they were really regret for their decision that they made they made in their younger days yup for yourself


ya correct so, I have no worst travel experience actually yeah the only thing that I will I will get scared is of the turbulence of the aeroplane that's all ya that's all


so what are share about the time when your best friend backstab you and how do you feel and how do you react to it


okay oh, ya yes, uh share about the time when your best friend backstab I think there's many times that they backstab me


uh, firstly I will feel very sad I will feel very upset but when as time goes by I was very used to it, so I don't feel anything I feel very numb against them when they do such stuff after this how did I react to it is the first few times it was really heartbreaking but uh I didn't react much I didn't show much I'm not a very emotion person actually lah


ya but then I don't show I don't show it but then , after that when it came time by time I feel numb like whether you are my friend you can be my friend if you don't want my friend the door is open you can walk out yup so I don't uh I don't prioritise them anymore that's the that's the whole main thing


yup, my greatest fear is losing my loved ones, my fiance my family my niece and nephew my sister my brother-in-law ya family family you when it comes to family ya that is my greatest fear


yup, what discusses you


I what disgusts me is uh, people with a


bad attitude people with bad attitude, ya let's let's say for uh, for example like friends ya like sharing around boyfriends within the friend group this kind of people they are that that disgusts me and on top of that is


people who talks bad about you when all you think is for their wellbeing then they go and try to talk to your friend to leave you and go all this kind of thing lah, ya


these kind of people ah yeah they all I just will know that they can never go anywhere in life, yup embarrassing moments


actually young time only ah that I have ever hang on the tree and stalk a girl ya I've ever done that I hang on the tree and stalked the girl, then


to impress her ah then after that uh, instead of hanging I I drop down then I was in pain but then I have to put I have to like not embarrassed myself right so in front of us so ah I didn't show that I was in pain but then uh I was already I was admitted it was


ya by then uh after that after that I had no embarrassing moments lah, ya there was one embarrassing moment that I felt that I was just stupid


yup, wait what was your embarrassing moment


okay


uh yes I had uh my cousin brother my eldest cousin brother he pass away in a bike accident so ya at that point of time I was I think about eleven twelve years old, eleven or twelve years old


ya so we are all in the shelley then we had this call that he got into an accident, at the point of time I didn't know anything about, uh how we people feel how did I ya I don't know that what I feel whether is correct or not but then we were at the chalet so you're happy but after the elders all got their calls then we have to leave the chalet immediately


to go and see my cousin brother but they send us back home the children back home, so I was still I was still, okay but then when he when we went to the hospital to see him then uh ya I broke down because we can he's not recognisable anymore


he's not recognisable cannot recognise him ya and he's the rather that are always spend my childhood with like from baby he was the first one that carry me and everything ya, yup


so we share and every time when we stay over at his house I always sleep it in his room, ya I don't sleep with any of my other cousins, yup


how about for yourself okay


describe a time where you feel that nothing you do is good enough


err, I sometimes only feel like that lah not always finish already


positive experience, yup okay , so what were the some memorable moments of your younger days, yes yep


school days, okay some of my memorable moments from my younger days is err my school life, and uh on top of that, my previous house which was most


spacious my five room flat ya that me running at everywhere together with my sister, and we had a lot of far space to play with each other then during that point of time every week at the end of


the week uh both my parents side they all will come and gather in my house , so that we don't have to go to their houses cause my house was that big and ya, it some more,


, , okay yup


I once had a a dog uh his name is richie boy, a richie boy, richie boy, ya so he's he's a a australian maltese and


uh I have fond memories of him like, it's like everytime after work I have to go back home I cannot go out with my friends I cannot go out and eat, because he will always will wait for me at the gate to have with the dinner, yeah


ya he always will wait at the gate to have his dinner then he doesn't sleep with anybody except for me and if I come back home late already he doesn't eat he doesn't sleep, ya so because of him I have to reach home before eight o'clock every single day


even though when I'm at work I cannot do overtime I cannot I cannot uh go out with my friend after eight o'clock, even though at home when after he sleep also the moment I open my door he'll wake up, so there's no chance of me leaving my house after eight o'clock yeah and then uh for him


it's because he he fell sick and uh my neighbour had also my neighbour's house also had like three to four dogs but they every time like to bring him bring the dogs out on the field so they were actually very sick because of the ticks the insects


so it actually spread to my house with my dog ya, and my and my pet and my dog doesn't go down he gets really scared to go out, ya okay


okay


okay, so what the


my dream is actually, to, open up my own business, and to be, ya my goals that is my goals my goal is to open up a my own business and it's it's under food industry ah food industry so


I don't open up my orders I want to become my own boss I don't want to work under anybody, yes and to keep, recruitment to have other people working under me, yup and my dream is to


travel, out of singapore and, just keep traveling ah, I don't have I don't have a specific dream about which country but my dream is just to travel before I die


so when dyeing time I just want to do it in singapore, ya okay so for yourself


okay, okay okay you


okay ya what I love about life is uh, uh that uh, I wish somebody who is very matured, and loving


and uh hot headed ya, I mean there is always the the, how to say I only know this word in tamil, it's always to have the there's something new to look forward to lah everyday


yeah, there something new to talk there something new to fight about, ah, whereas you will talk over the boarding subjects are all the way again and again and again but then I will just find it that, there something new


every day to look forward to ah ya that's what I love about life not only the same thing you see everyday but there is something different that you see every day, so what about yourself okay


you love everything about life, okay so what's your favourite childhood food or snack, ya okay okay


while while one is err you know what the childhood snack the apollo chocolate, in the biscuit, uh that's my favourite and my childhood food is nasi lemak ever since then yup


and that time the childhood food all is like about two dollars two dollar fifty cents , ya ya ya okay


described a nicest things someone has ever told you, describe the nicest thing someone has ever told you, ya


okay, mine mine is


nicest things the nicest thing ever somebody told me was I'm proud of you, yeah yup there was the nicest thing


I'm thankful for the way I have change all the effort that I put for, I am thankful for god that he edit the he open my eyes, yup yup


my best birthday present was, err, to my where birthday present was my was you celebrating my birthday last year


but then, because uh in my whole entire life I've never celebrated my birthday before, yup and pardon yup


so what was your eh best birthday present and why


okay


okay, my perfect day is the day that when my whole families at home and you I roam, and ah for me to watch TV watch uh like spend some family time


family time with the whole family my niece my nephew everybody, yup #nasi lemak#


, that's my comfort food and I always after eating #nasi lemak# I will fall asleep, ya and it always makes me happy, always makes me happy


for yourself,


, (mmhmm)


the ya my, skill is actually how to convince people, yes uh convince people and, I'm actually proud of having that ability also


yup, so that the most difficult, things to do is to convince somebody to, think to convince somebody to think in your, uh like that


to think the same thing as the other person, to bring them to bring them to think in your own way your way, ya, to convince that person yes, so for yourself


uh finance okay I will go first ah


should I, what do you think actually investment is all about


a bit, okay so have you or do you how do you plan your investment portfolio


okay, I only know investment is more of investing money in insurance lah, I mean that's how I see about it yes


uh I doubt that, have I don't know, ya, duration for


I like I say I doubt that I have an, investment plan, eh or a portfolio ya unless if it it means insurance lah cause investing is uh investing your money to grow, I think, actually I have but that's like


with , I don't think I have okay no, ya uh, oh, like what's the risk appetite when it comes to investing and trading


right, okay true same for me, then do you think you will do trading


okay same not so on the trading no, like I said no because I'm scared, yes because I don't want to lose money and the economy now is very unstable


then how about uh, what do you think of, automating, investment and invest best p best CP ya I should for this one plan


what are your thoughts on dollar cost averaging, actually I got no idea what is


what is dollar cost averaging, okay


uh, my insurance agent have actually talked about this before but I, until now I don't really understand, because I I think it's it's like a gamble it's like a luck thing


if you if the economy is good then you gain the money, if not then no, money ya


, like I just said, yes it's like a


I mean I I I never say that it's gambling gambling like playing game gamble but I think it's uh like a, uh inverted common sense it's a gamble you know that kind of thing where it's a luck


ya uh, to me if you ask I doubt I will, recommend to student because I think as a student is best you


you, get your path right with saving the money first and if you think you have enough for yourself and then if you have to have enough money to put aside also then maybe that the money we should put aside you can invest in that so you can grow in that ya


so instead of just having that inter amount and if let's say they invest the amount and if it doesn't grow and if it's a loss then that money is gone right, ya


same lah


this is a good question but I really don't don't know much about stock markets


okay


ya same, same I have a strongly, ask an advice from my financial adviser instead of investing on my own because I'm very sure I don't know anything about much about investments


uh, ya but like, like to say investment if it's something the insurance I will, I were strongly agree agree to have insurance because


insurance is something where that is at the end of the day you you have something insured for you let's say uh, how to say ah saving wise , some more what


maybe like the hospitalisation or, that so if in if is it if it's investing insurance okay and then maybe I will recommend to students, ya but investing in other things like I don't know if with them ya then no


like I mentioned earlier investing investing for insurance with your money


means savings where you put in this much amount of money and then , with whatever interest you have it goes your money in there so that's how you invest your money to grow your money


, yup


yup true, true


I think if I have such money my insurance agent will sure call me to, save up the money because he would want me to save my money instead of being a spendthrift ya


if found to allocate my, assets for investment not in mind yet but maybe in in the long run I might in the long run I might


think about it, yes


but it's one million house let me show you pay full


(ugh)


okay, sorry


alright, uh it depends I guess, because buy low sell high you tell me your news first lah then maybe I think about it


, it depends on the product lah


it, like like it's like a gold you know sometimes you can get it at a very low price and then when the next time you go it's the same gold it's


they sell it in a higher price so it's something like that if it's gold then it's different but if if it's other products then we've about to see about it, ya


sorry you were saying again, like


!oops!, leverage oh what are your thoughts on investing in highly leveraged products like options what's leveraged products


uh, , if it's backs of course I will invest on it, (hmm), other than that I think gold I I think gold


ya because gold is a good good, product to invest, uh


actually is good it's because it in a way like I, I like to spend a lot so when this uh money that I can't see and and gets cut off at the end of the day when you look back at it you actually see quite a number of amount being saved for you and


with that you can actually it actually really helps when like for us in housing because if let's say the whole money doesn't go to CPF and if I've been spending that much I think now I can't get my own house it will take another don't know how many years for me to save that


amount of money for, that used the app worked so I think CPF contribution is actually a good idea I mean actually is a good thing ya


ya ya


correct, oh definitely not I think credit card is a uh, it's like a devil I mean I wouldn't say


credit card is really very bad but if the one who knows how to really use it, or who's really really have that money to to, to give back you know then ya


but those who just want to spend it on things that you really want and just use it you know and then at the end of the, time when you really need to pay you can't pay I think credit card is not something that they should use,


ya, true


do you have the habit of saving and how do you ensure you meet your saving goals, ya it's okay


for myself I don't have the habit of saving I tried but I, I will somehow save but at when it comes to at the end of the month or something if I see something I'll just go and grab it but now I have tried to learn to save because we are aging and we need to get thing settled


plus because I need to ensure that I need to have at least certain savings at our, down the road in the long run that's why that's why I have this insurance where, my insurance agent really really helps me to


save the amount of money ya, so that is one way I just do my savings lah but saving on my own with my own pocket to see the amount no I don't have but with my insurance so that I don't see the money I have


, I will get the root cause of why they are in debt and if it let's say


credit card, but how we discuss just now I'll tell them stop using credit card and then I'll ask what are the expenses that, they that they have, in the day that lead them to


to be in debt lah so with that I will I will slowly breakdown for them and see what I can give them advice in helping them to not to be so spendthrift and that


save what is uh, more necessary so that they can pay off the debt and also get the things which is more necessary you know like people will say what you want and what you need is a total different thing, ya


you can do it later ya need correct


to what, no you are saying, sorry, uh no what strategies would you recommend to someone planning for their big ticket expenditures


expenditures that means they win a lottery ticket so how would you, very smart, okay


ya maybe I also should do the same thing


negative experience


so what annoys you the most, , okay


okay, , I hate timing where people can't keep up to the time so uh


I need people to be punctual so I hate to wait, uh I hate to to get, delayed messages, ya, so do you have any scene which you watch in the movie that made you cry


oh oh okay okay okay okay


yes but they found the say for english movie will be, fast furious seven when paul walker died, especially the last part


the song ya I felt sad and then, for if a singapore movie it will be ah boys to men when, the part the


officers gave the boys the letters so it got me reminded of my brother, like how he went to the army and what could have happen and all that yeah, so describe what you dislike about the younger or the older generation


ya, like


regret, okay, okay, , if in my point of view I think


younger generation nowadays uh, they don't have the respect that we used to have for, the older ones when we were younger yeah because I am saying respect as in they don't acknowledge when they should


and then like for an example uh like, work wise, when we were younger when we are supposed to follow our mentor we will follow and we will, listen to our mentor you know we won't uh talk back but for now I ah


what to, what I see is that they uh they talked back you know they talked back and they wouldn't , give the respect that we need uh, despite of your age also they will think that uh what they do is right and also like what you say I hundred percent agree because there're a lot of uh


young ones nowadays going into the wrong direction where they don't realise it now and I'm afraid you know it will get , it will be too late for them when they really realise that what they're doing is wrong


because living then was different of what you are living now, ya , so talk about your worst travel experience


okay , for myself the worst travel experience


uh worst travel experience will be okay one is , what was it ah one is okay that time when I went to hong kong I was uh, not only me but another


two of my uh working colleagues lah my, my friends we were being chased by a man lah, so we had to quickly run back to our apartment and our this is really scary okay cause hong kong apartments are small we we didn't stay in a hotel so the apartment were small and it's smaller than what you are living in your three room flat now


so ah we had to tell the security guard the security guard had to follow us all the way up to, our apartment, and he literally locked us in our apartment that means he literally put a block in our gate, but


ya in in the morning when we woke up he removed the block lah so that was uh, nice another, bad experience was the worst travel experience was uh when I went for this a trip for school it's a project that we did in this village I really pity the


the the kids in the village because the condition of the toilets was really really very very bad and I feel so sad even for us as a visitor we stayed in their school when we have to, to uh


to shower especially we are girls right okay we we had no, proper uh, toilet doors the curtains were all are torn the


I I can't, complain about the heater because it's a village so I literally had to bathe in cold water in like as early as five plus in the morning but, the toilets was really really in a very very bad condition ya


but, it's it's really very sad lah so that was like really really very bad, ya


uh, I've, felt very betrayed and I felt very sad that they they do such stuff which I don't that's why which I don't have


uh much, of uh friends, now, which I don't really uh, have my own ethnic group of friends which is indians because these are the group of uh


ethnic group of friends which I have who actually backstab me, and I think I don't really want to have them as a friend, ya cause I really do treasure friends if I really have one


and, and if they repeatedly the same ethnic group is doing the same thing to me and then I, I just don't like lah ya, how about you,


uh


okay so what what is your greatest fear


loved one that includes, , same my greatest fear is losing family and uh very important


ya like that should be an example I guess


what is it, what kay what, what disgusts you


ha, sorry


okay, what what, (mmhmm)


oh yeah that that that's, disgusting


okay, okay


describe the embarrassing moment that makes you cringe


why do you hang on the tree and stalk the girl, okay


, do you have any experience of any loss in your life, oh, mine mine embarrassing moment


, , I think there's a few when it like to say being, always getting, especially during primary school days okay the most embarrassing moment is actually secondary school where


uh my mum work, come down you know to, I been literally being monitored by her until I, can't talk to any guys I I I uh


she she disciplined me in front of, my schoolmates and such, ya so, it's like it's very embarrassing for me lah ya


so if it came to a point, where, uh I, I I don't feel like talking to her, ya


so do you have any experience of any loss in your, life and how was your emotion at the point of, time, (uh huh)


sorry, (hmm), I, see case what oh


, okay, okay


I see, like your mother, because I mean when it was younger there, other who passed


one but I think my grandmother one was a great impact because it was and I was much more older, and I realised that you know how, the family was, and the whole funeral was uh planned and done by


us the cousins, and , it was I wouldn't say the sudden because she is old she's really old enough, to actually depart from the world and from us but


maybe it's too long that she has been with us so, her presence her presence that not around us makes a different with us, because of, uh that was a a reunion with all the cousins and uh the siblings as in


her kids my my dad and, my my my uncles and my aunts so uh, it it the first christmas when we went to, the mass after she depart


from all of us uh actually cried, because uh, you got me reminded of how she was uh, when it was christmas eve because normally christmas eve uh we will


follow my dad down to the mass in a catholic church so, her presence not there actually was, an impact that , she is she's she's gone lah, ah and it's not going to be the same ya so


ya that's how I felt, , describe a time


this is like , this is what I always will feel till now that whatever I do is nothing good enough, for my family because uh


I think that they look up, to my brother who is always the best, I mean I'm not saying that I, I'm not happy about it that he is very good he


I'm very proud that he is being a all rounder is always the best and number one at whatever he does, since young whereas I'm the total opposite and, but


ya I just feel that I always, uh, everything I do is not good, enough how about you


(um) okay


positive experience in life


memorable moment of my younger days , suddenly asking ah what are the some memorable moments of the younger days maybe you tell me first while I think about it


if for me I will say also in my old house because it was more spacious not like nowadays the house which like a shoe box, and when we were younger, all my cousins will come down to my place and


every year I miss that my dad used to have this family day in uh, in his workplace so all of us will be like going down to either, uh, they will have family days plan either in sentosa


or wild wild wet, the older one lah very like many many years ago, so all my cousins was always there so it's my own family as in my mum dad my brother myself and my cousins and my cousins will stay like a day before ya so we will have that kind of memories lah and then err we've used to go


uh fly kites together wash wash my dad bikes together, when the space was more spacious back then but now it's all buildings so yeah I I I missed the older version of uh


my area yishun, , ya so I think you have a pet right so tell me more about your memories of, of your pet


boy, what boy, okay


why so cute one


uh,


okay okay


I think it's unlike unlike like my dog mine is a silky terrier and he's more closer to my grandmother, ya so, he he will always be around my grandma


but he sleeps with us lah but he sleeps with my brother more instead and he has his own bed in my mum in my parent's room, yes and, nah but sadly we only kept him for five years and


uh because he died uh died due to some, some disease ya when we got him also he had some disease ya he was actually uh not an active active dog


like any other dogs he was a very he was a, very lazy dog ya, correct,


so what are the dreams and goals that you wish to achieve before you die, your own your own business okay


okay


okay , okay okay, uh uh


my dreams and goals okay so basically my, goal is since I'm a, nurse for all my life and many many years I hope that I can be in a position


where, it's I'm I I'm not so keen to go that high because uh hazardous I think I prefer being with patients with patient care so at least, uh in a, high rank post where I still can


be in touch with my patient okay so with that, uh my goal is actually to to, to to to have that enough of money, that means I need to save that, much of money to


somehow hopefully to stop my work soon so I can be a #tai tai# and then have my own house, where this is together with my goal and dreams have a own house of mine where I can dream of what I wanted all in our own house and also


to, not to be in that means how to say not to be not say not to be in debt but never to be without money, ya, instead like we


we give money to people yes and so with that you know you can travel you can get things what you want, ya, so is that you won't be moneyless you will always have


enough money for anything ya, so at least you know and the very most important thing , before I die is, how do I say uh


I must be closer to god, that is the most important goal that have to achieve it gets what do you love about life what nonsense


, okay, okay


okay, what do I love about like actually I also don't know, but what I love about life I'm really not sure what do I love about


life it's just that , I can dress myself up, actually I actually I really really don't know what do I love, of life yeah to think about it


so I don't know, this, childhood food or snacks what is my favourite childhood food or snacks it has always been ice milo since young


and food ah food, I don't know ah, snack I like, I mean if it say childhood ah I like to


to have like you know the cotton candies I like to you know the the the, the the ten cent choco thing where we can, the the the stick kind where you, open and then you eat, the


ice #air batu# ah, ya ya ya ya ya ya ya yes yes yes that one


ya, I still love the the so called #nasi briyani# that sell in my school which is only


fifty cents, I think it's the best #nasi briyani#, and I just have to add the nugget and it's only less than one dollar, ya , what


describe the nicest thing someone has ever told me, oh, , the nicest thing that someone has ever told me that's, I'm


I'm, what ah, nicest thing someone has ever told, me, that I'm very I'm a very I'm very


goods that was only like yesterday I felt it I felt very happy because as a nurse uh, another that means my patient I have two different patient right so the relative of this patient a told good about me regarding what I did about the patient b


you understand, ya so I felt that , what I do my job that that means I am doing my job and people do see and appreciate it and another thing is ah someone which is you


who will always keep telling that I'm, beautiful and that you love, me so I feel very nice and love, ya that's it how about you


, oh okay what are you thankful


what are you thankful for, (hmm)


okay, at what was your best birthday present and why


okay why, why why


okay interesting interesting, my best birthday present, you know I've never actually thought about it


but , my best birthday pre, sent actually I also really don't know


what is my best birthday present, actually there's a lot, ya, like my brother ten years eleven twelve twelve years old how many years ago, my brother


plan the surprise twenty first and then you planning my birthday it's all like it means a lot to me if you asked why lah ya, so describe your perfect day


describe your perfect day


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


!ow!, okay, okay, okay


comfort food as long as I see Tulang I think it will really, cheer me up and if I see maybe #taufu sambal#


(ugh), I can like eat every time these are the two two dishes that I think the food that I can everyday eat which is I know it's unhealthy and I shouldn't eat it every time


and aside from food are, ice milo be another another drink if it's not for food lah it will be a drink that I can drink every day anytime of the day


ya what, it's a skill or ability that you are secretly proud of having


!ow!


that's me, your like means


okay, err, what's kill


before the say about skill is, I'm actually, good at things but I don't show it out and I am just proud of


myself having that lah like I can cook but I don't cook, I can do housework but I don't do housework I can I can surprise with okay that that's I know I very good at the at and I am proud of it lah surprising people


ya, so


kay , eh , part one finance okay so do you have a saving account


oh ya I've had a, account in first bank as well, so how's been your experience with first bank so far


oh, ya because when I open my account for the first time it was a kid's account and then I remember that when I reached a certain age they actually asked me to go to the bank to get a new card and then I was like so am I


still having a kid's account and they were like ya it's fine you can still have a kid's account but have a another new card where like the adults use I didn't really get it but I think mine is still a kid's account, ya I have a debit card


what do you think is the difference between like debit cards and like normal ATM cards, (mmhmm)


ya I usually like to hold cash because I feel like using a debit card or credit card you don't really like take notice of how much you're spending and then you just keep spending and then the end of the day when you check your transaction history it's just like a lot, so now I think I've started to really just withdraw cash and put money in my wallet instead I don't like swiping my cards anymore


maybe it's a trap you know to like spend more money I don't know, (hmm) I actually have a


friend of mine she's actually studying overseas and she was actually looking for options to fund for her tertiary education and then I was actually following her around to actually go and see which bank offers the best rates and then she chanced upon uh OCBC bank which actually offers the education loan for students


and I think it's really really helpful because they offered because all the other banks like POSB and maybank they offer six to eight times, of your principal (oo) uh principal holder's, income but then OCBC gives up to ten times so it was the highest and then they're also really helpful in terms of like telling you what your options are the


interest rates and there's also like different options is like you can choose when you want to repay your loan so it can be immediately after you graduate or like a year after you graduate so they give you time to you know work and then save money and then you can start paying up so till then they only charge you for the interests which I think is really good


(mmhmm) , ya and a lot of people actually nowadays take education loan to fund for their be it like poly education also cause it's very convenient I feel like they make it so much more accessible


I I used to think like loans are so hard to get but then having heard from a positive experience I think she had a really like smooth transaction and even the agent who she dealt with was really helpful, ya


(mmhmm) ya I have


a friend who actually says that she had already has opened up a joint account with her, fiance and then I was like okay but you all sure do have your separate accounts right cause I think couples at the end of the day they should have like two savings account and then maybe a joint account where they have money in there but I think you still should have your own account cause like you never know what they'll do with the money you know


, ya, ya


ya ya ya ya I think that's a great idea


so oh I think I received it when I was like twelve


ten eleven or twelve ya I started, really young because I used to you know collect all my money in like a piggy bank and my mum thought it was a good idea to like get me uh you know an ATM card so like I remember I would actually follow her to the bank and I'll have so many coins and then I'll put it in the coin deposit


so I think starting up my own bank account from a young age you know really helped me because I learned the essence of saving from a very from a very young age and I really like to save my money actually, ya but I


I think they got me an ATM card but they didn't let me keep it I think my mum was keeping it for me also ya,


, uh no but then I always get stopped at like MRT stations with insurance agents stopping me asking me to buy insurance


and I always fall for their it's only a one minute thing but it's never one minute and I've even like told them before I'm really in a rush right now I really want to help you but I really can't and then they'll be like no ma'am it's just one minute and then I'll fall for it and after that I'll sit down for like half an hour


okay how about you


ya uh nah no no nothing yet


but definitely have plans for it in the future and I've, so many of my friends working , you know in like investments and like insurance companies and they really always even on their instagrams they always emphasise on how it's important to invest when you are young, and I and I always see those posts and I'm like yes yes I will when I start earning maybe as a student it's a little bit more difficult but ya


I think


if you talking about points I will definitely like if you talking about like supermarket shopping I would think PAssion card is my go to which is why, you know ivan was thinking of getting the PAssion card debit card because it's like a two in one thing so your ATM together with the PAssion card


feature and, you know it's always good to accumulate points there cause I've gotten like great discounts, what about you any thoughts


ya oh oh (mmhmm) ya


ya OCBC frank has really nice designs, (mmhmm) uh what


do you think about like fixed deposits, (mmhmm) (mmhmm)


ya I mean I have a friend of mine and I used to think fixed deposits like maybe, like I was just thinking like how much more money could the bank actually give you, but if, it's like a sizable amount like she was telling me uh like she didn't want to go too much into details cause obviously she doesn't want me to know how much is


in her fixed deposit right but then she was like no but it's like it's like a sizable amount, ya oh


I want to go on a world tour, and I'll probably set aside some money for my wedding my honeymoon, , I want to get a car probably like a big house


ya so, basically all materialistic stuff, and I will would definitely want to do some donations on the side cause I don't want to just take the money for myself obviously , but ya probably put, some money in the fixed deposit so that it can you know multiply tenfolds or something


(mmhmm) ya ya


, that maybe like really think about how you spend your money cause like maybe that one watch that you really really wanted five years ago you wouldn't want it like, five months later you know it's just like for the moment so I would actually think about investing in like if I really want to invest my money and buy something really expensive I will want to think about how long I can use it and like you know whether it goes with everything not just like you know a one month interest and then I'm like okay I'm done I'm over it you know


(mmhmm) (uh huh)


ya what


do you think about like financial advisers actually planning on your finances or you think you are capable of doing it on your own


K, part three negative experience, (mmhmm)


(mmhmm)


(mmhmm) (mmhmm) ya ya (mmhmm)


I feel like some of the worries and anxieties that I personally face is that I feel like we're never going to return back to normalcy in that no matter where we travel in the world I feel like I'm going to have to wear a face mask and I


you know as much as it's a first world problem I really don't like wearing it I like I can't really like breathe properly and I feel like, it's just but then it's for everyone's safety I totally understand but then I feel like we're never going to go back to the time where oh you know you can just like go out freely without worrying about


sanitising your hands like keeping clean wearing a mask, social distancing and all that some, of the other worries I also face is like will I be able to travel normally again like what kind of restrictions are going to be in place like do I have to quarantine myself every time I go to a new country


and I'm pretty sure the government is not going to take you know the additional expenses of people during the fourteen days stay home quarantine thing so it's definitely going to be additional expenses we have to incur, so you know the whole uncertainty about this whole pandemic really stresses me out cause I really don't know what's going to happen like no one knows what's going to happen tomorrow how's the situation going to worsen or like get better so you know it's really stressful


ya ya


off the charts, (mmhmm) ya


definitely I agree, ya there, was this movie I watched recently and I was really like angry disturb disgusted to be honest but I know it's


a very you know real thing happening so I watched this movie it's based in india and as we all know india has child bride, issues ya so they marry off the girl when she just reaches puberty or sometimes even before they'll just marry her off to an old man who is of the age of like her uncle or her grandfather even


so they got this girl married off and and this, uh old man that she got married off to had a younger brother who is you know a bit special he's a bit mentally challenged and you know he has a wife as well and he always looks at this small girl with very lustful eyes


and I really didn't have a good feeling about him when I started the movie I was like why is this guy looking at the girl like this and then I felt really you know I felt some type of way about it but then I was thinking oK what is this going to be about cause I wanted to really like because they were setting the scene and showing us how child brides and child marriages how they actually take place


what is the psyche of the child bride like the child bride doesn't even know what marriage is she doesn't know anything she's like, she thinks that this guy is going to be her friend or like she has a caretaker or something like that it's so weird because they are just kids you know , but people actually have the heart to do something like this


so basically what the younger brother does is that when so basically the child bride's, husband will actually whip her and he'll whip her such that she won't be able to walk so she'd be bedridden, and so when she's like lying on the bed like you know she can't even move and everything she's so vulnerable no one is taking care of her this younger brother will come in and he will actually rape her brutally


and I was so disturbed that I actually had to walk away but it's so real like sometimes I don't know what to feel like men really have no heart sometimes I feel like, but then some people might blame it on the fact that he's mentally challenged and you know I for one might be even like sympathetic towards like mentally challenged people sometimes I see them and sometimes I'd be too nice and then uh you don't really know what's happening in their psyche cause this girl was also super nice that she treated this like her her brother in law like her own brother like just talking to him like a friend


taking care of him feeding him but he was looking at her in a different way you know, and he actually raped her and she was just like scarred like she was just like lying down and scarred and she didn't do anything she couldn't do anything and then, people just came came up to her telling her that you know these things happen you just have to live with it just keep quiet they kept telling her keep quiet keep quiet it's such a real thing like women in india really you know men are considered superior woman just have to keep their mouth quiet


so it it was very disheartening and very disturbing to watch that scene but it's such a real problem and I think we really need to shed light on it and see how we can you know help these girls who are going through all these in villages, ins and you know maybe education is really important like these people don't have education cause they don't have opportunities like that offered to them you know and their world is all like


their parents, people they are married to and then they have to you know they get kids and everything like that's what their world is centered around and I feel like education is so important it just you know make someone feel empowered and you feel like you actually have a voice, and ya that's just you know very disturbing to watch


(mmhmm) (mmhmm) (mmhmm)


(uh huh) (mmhmm)


(uh huh), (mmhmm) oK


, , ya ya


(mmhmm), ya, (mmhmm) ya ya ya ya ya ya ya ya


(mmhmm)


(mmhmm) (hmm) yup totally understand what disgusts me


at the top of my head I think about it, , you know there's something that really gets to me I don't know if it's a pet peeve or like disgust but I, would say you know people who lack mannerisms like I feel like mannerisms is something it's not a choice you know it's not something you choose like oK today I want to be nice tomorrow I'll be mean kind of thing it's something you owe to other people because nobody else