ya that's the reason why people are forcing themselves to bar and I don't know ah you see they're just buying it and then wearing it for no reason that's the reason lah, so that you know they don't get have a fierce character and stuff, it's a high


(mmhmm) ya


true lah I mean, it just a height you will actually die down within a few months lah mostly


ya it's just you know


who, I mean you know one thing is we cannot accept people others to think like how we are thinking also what, and I'm ah ya, I mean that's I would say their this one lah their problem


like I'm like that I'll I'll, if not, ya inclusive and stuff, that's very bad ya, I mean it just they have to they have to understand the the the seriousness of the issue lah if not this won't change


ya, they're just wasting money, ya


true it's just you know if let's say if I have it by habit right then people will be like oh my god you know they just said like our group of I'm like oh my god you are BTS fan eh oh my god you have done uh you know they filled a bit like popular and stuff they they for that one person will boost their model value but then for the others who are looking at that one person really be like !walao! how come I don't have


am I am I is it a bad thing that I don't have, like must I go buy and then you will feel the pressure and then sometime you know as you said they will fight with the parents and then they will be like oh I need this and then it's also like the parents will be like what is this what is this hat is the trend that's happening you know they cannot keep up so it's actually quite


ah lose lose situation for both the kids and the parents, but then you know no one will think I said it uh people are quite selfish lah they'll just think for themselves oh I want and then they just go around, ya


I mean if you want to buy okay you can buy but you didn't have to make make it hard for the other person who don't have it in that we are in that way you know it just provoking


ya true ya, for all this popularity ah that is actually


ya, positive experience, ya, true


very long I think has been about two months since we saw each other, ya, okay lah my studies are going well I just you know I went into my course that I admire the most TSC


and then ya my classes are doing well, actually quite fun to be in school, like actually now the COVID actually I'm very I'm kind of missing school a lot, actually ya and uh I heard that they will reopening school uh next sem


so I'm actually very excited ya, and I ya ya ya


go ya I mean I lot of places are like you know is either too crowded or is either too restricted when you can't you know, for more than one hour two hour so ya I think it's a good thing that we're on the phone now, ya


ya ya lah, so, ya okay lah that one question I always wanted to ask you that why are the trip, things that you always grateful for in your life, what are the three most grateful things in your life


ya, ya ya


ah ah


you know they say friend are your second family, and stuff ya, ya


ya !wow! that was a lot man, ya teachers maybe


teachers ya teachers, ya


ya, ya true


ya I mean you're you're if you feel happy then it's a good thing lah


ya and I think that's a good idea, ya ya ya


okay you know I'm a addict to netflix right, ya I'm addicted to netflix as hell man and the series that I'm currently, obsessive is how to get away with murder have you heard about the show ya I mean it's actually you can learn


you can learn a lot of things from that show like literally how it's actually I mean it's the the title of the series is literal like how to get a with murder like know they will go around killing people, for unwanted reason ya actually every one season one person dies


and ya there are six seasons, and I think each season is about, fifteen episodes each each episode have forty minutes an hour, ya


ya that's actually yeah I mean that's what I've been doing during the holiday lah I'm maybe at season six now, ya it's actually that help it kind of helps me to think, like how to you know strategies and stuff I mean not to escape from a murder but you know the way the think the way to come up with reasons because they all are lawyers


ya like uh the professor helping around the law students who killed uh kill people and then the strategies they take the way they you know act upon certain information that the FBI or police that give them it's actually very very uh, motivating it's very like !huh! you know frustrating sometimes


and ya it's actually I'm actually kind of enjoying the show a lot lah but it's time it's quite sad that you know coming to an end so I hope this, ya I am still on a hunt for another series that will grab my attention I I I used to watch a lot


ya remember in secondary school ya and then I'm still waiting for the last season to come out, it's actually I mean it's uh it's like the happiest show of favorite in my life but then I think for season eleven the shows are going to get me down because it's the last season and it's going to because they've been together working for ten years and then you know finally the last season it will be quite sad that you will be leaving them what


ya so but actually literally the happiest show I've ever watch it actually even when I'm down or I'm like angry with someone or I'm upset I'll just go watch a I'll watch watch one episode and I'd be like their inside joke and uh inside I'll I'll, start giggling laughing and stuff lah usually


ya so it's actually a good try I think I recommend it to also, ya, ya but you all know you're not a series person so it going to be a bit hard lah


ya it's a good thing, then I heard recently you receive for what from your school, you received an uh ya, that must be a proudest moments in your life right


ya I saw it on the new so I think it should be a good thing, ya


ya I mean it's from the president herself lah so it's actually a good thing, committee but it's a good thing lah ya a'ah a'ah


so how how was the experience when you went to you know get it like you walked up the stage thousand of people clapping at you and then receiving the award from, the


yeah I mean I'm sorry lah I couldn't be there because you know I had my final year project so it was actually quite hard to not make I actually quite sad to not make it, but it's okay ya ya I saw you in the news ah ya ya ya


ya, feel like suddenly you actually quite happier you know all that you were smiling you know you were loose and stuff ya


a'ah ya ya


ya I would have laugh my ass off lah I see you drop the award, ya are you going to school oh !wah! you a'ah


oh nice nice, !wah! ya I could have seen everyone there but no makes sense and I couldn't not, go for it so I couldn't make it, ya


actually I had a huge trip plan to uh canada, during the COVID I because pardon


ya I mean suddenly ya actually I I wanted to canada for actually a very long time, seems the thing a house five I'll see ya obsess with canada stuff but then, I don't know it's just, canada I don't know it's just I I


it actually a very nice ya like you know trouble free and I just want to meet the president and then you know say hi, I also wanted to go london I'm also obsess with, what


I mean not not a formal one to one lah but you know when interview and they are having some event and then president is down like you know ya at that time you can like you know hi you can just shake hand, then after going actually I had a real strict plan for this semester holiday I'll going canada and canada we I I want to go london and you you also know I', obsessed with the royal family right


ya but then you know everything just came crashing down when they sat the borders are closed, yeah but then but I was lucky enough lah just before like uh the previous holiday in uh january I uh I went to uh what


ya I wanted to go for a hike for tracking lah just wanted to try ya I didn't know the place was the place was so nice it was so peaceful I went alone which was extra peaceful ya it made it extra peaceful


ya ya for trekking ya, it was kind of a, it wasn't that bad I I mean I went alone with there uh uh there was a trainer lah definitely I won't be alone ya but than other than that that was that a oh it will just me by alone walking out ya actually quite that was actually quite nice the place was damn nice


I actually I actually like really that the best second I ever feel in my life, and ya


ya it's going to be cool and it's going to be like you know very quite, ya, ya it's actually good and I think I went to a few I think I went temple hoping one day also like I think seven eight temples


ya then obviously quite peaceful, I I felt alive, ya, ya, actually ah


true actually I didn't want to leave the place but you know visa was ending so I had to return if not it be illegal, ya I think it will be I will be always a stone's show away what I think we we can plan a trip together and go there one day, ya maybe


I mean since I've graduated we just have one more semester left ah after that our graduation trip we can go we can go himalaya's, ya she's a good thing, ya ya then how was your travelling experience you did you go anywhere during the before COVID


oh ya oh still have one ah since secondary school oh


ah I heard you went, further you mean inside malaysia, you went further in malaysia, ya


ha, that's quite a lot, (uh huh)


oh, ah I see I see it wasn't that bad


okay maybe why didn't because I'm fat so I was naturally have a lot of, fats maybe (uh huh)


!wow! ya ya


that was nice, how was your experience did you go for snorkeling, ah, ah


yes ride train only lah, ya weu can try all the, I think right


thinking about this I have another I have an idea maybe you should do pack then we should you know like go to a particular place and then each of us choose an activity, and then uh we should you know just not take noted to the other person activity should be a surprise you understand


we we don't like ya maybe like we can try conquering each others fear, ya, maybe we can ask our friends lah, ya


and I think can be done lah I think we should just go uh skydiving, ya, I think can be possible lah if we have a trainer beside, let's see how it goes


ya, ya maybe we can ask our secondary school classmates, if they want to go maybe


ya no harm [what] those who want to come you can come actually it has been quite long since we all make up [what], so I think it'll be a good thing ya okay


finance eh ya so <P2>dewa</P2> I was looking through ah google that day because I was thinking of doing ah having an personal loan because I want to take a personal loan for my studies and I was looking through


and I'll I I find a wonderful fact that a typical singaporean right the financial journey is up to three uh three hundred thousand plus which is if I roughly about it's almost four hundred thousand plus you know, and they have and it has been a great ah margin where own ah for studying loan itself


they say that I must take ah it's been spending for twenty one thousand and I was really shock when when I got to know that I need to spend like twenty one thousand just for my studies uh in singapore and, I was thinking of what are the other ways where I can get study loans lah so there were I was given two different options where I can use my father's uh or my mom CPF money so it will be under CPF education scheme so uh I can tap on my father's or mother's ordinary account money which it


which would be every month they will be putting money in lah, so I can use their money to have uh education loan, or maybe I can ah have it from MOE tuition fee loan uh which is uh the government giving us money which is about I think it is a few range lah so I'm I need to personally go type it out and ask them if this much of


my money I need so they will give me the so, (mmhmm)


oh okay but which means not every course is given a specific amount is it


oh, (mmhmm)


(mmhmm), oh okay that's good and


I heard that the coverage will be up to ninety percent if it's a degree tuition fee lah but I don't think they will cover that much for poly but as what you said maybe they will see the cost and they'll give they'll cover how much as they want lah I think so, and


definitely after studying we know we need to move on with life correct so I was looking through the same page lah ah okay ya continue what did you do


is that is that expensive


true okay, but that thing okay for example now they're building some retails around like the new neighbourhood park which is bidadari or can be like at tampines and stuff, so the price varies I know but


BTO's are supposed to be cheaper than what I thought but it's three hundred thousand is way too much like like let me I need to save up from now itself like


(mmhmm)


okay


then how about the but renovation will it be cost will it covered or is it still like, (mmhmm)


fifty five thousand I heard okay recently my one of my friend did uh his renovation but I don't think is up to fifty five thousand you know because, it was lesser than that, ah maybe maybe maybe is it is it because he got ah contact from his known contractor or something can it be that way


(mmhmm) , by hearing all these I think I need to start saving up from now itself I think like two dollars I I don't think two dollars will be enough because we need in either way we need to start saving up because


housing depends on marriage after you get married only you can start ah buying house already or you must even get registered before you start and marriage the finance that we are supposed to spend it's going to be way more higher because it's very hard to get a place for a marriage you know like it's


ya ya, like I think yeah, and some more RM and the places are like way too high and I think recently my another cousin did would do is marriage and I think it's way more he spent a because it was totally grand and he was I think he did for a very high price I didn't ask for the price because it'll be


you know like ya, it quite rude so I didn't ask how much is it but it was too grand and I can't it's, up to maybe more than five thousand or something I don't know it can be or cannot


but I think he, it was way too high lah but so in order to have such a grand or even have a house we need to start saving up man, like we willing to start saving up ah but, saving up you think is that easy no ah but I think there are some ways that we can start saving up for retirement I know is too early but


as I was going through, ah DBS website that day while looking for a loans and stuff I saw a page where it says retirement okay what's that what's that I mean retirement we suppose to just sit down there and maybe we will get ah what ah ya ya true ya monthly money but there are there are even scheme for that as well you know like


I'm like I was shocked when knowing that there's a retirement scheme like we invest a retirement annuity plan such as CPF life payout we only thought we only like, like month like we will get the CPF money at the end of, seventy plus age is it now it's like they increase now but I thought but but now they have a cpf life scheme for retirement people where they give monthly and plus extra per cent each year I'm like


okay cool I'm getting more money and and ah at my retirement age and there are, various plan though like standard plan basic plan escalating plan but there are if if you are planning for that mean we need to pay the interest now itself lah so when we need to start doing it up now so technically we are paying now for my our retirement


so which is a great scheme I would say and there are also scheming scheme that like, learn how to start investing for your future so technically there are plans out there for us to there to advice us saying that ah we can start saving up and or maybe like ah how to save up there are people though actually maybe we can start looking for that kind of people


so we can have a good amount of money


(mmhmm) (mmhmm)


oh okay, (mmhmm)


ya, I mean insurance they had do have lah maybe like what prudential and maybe there're there are a lot of insurance but, at this age we only can take what ah for parents ah I think we our parents took it right for us


ya but uh if you are moving on to a higher age mean we are we can take our own insurance as well but there are several plan also lah, and but man, true but in order to have that plan we need to have some money in with us because


I think it's better for us to take insurance and put in the money a lump sum of money and for at the start lah so we we don't need to worry for further stuff and for that we need to start saving up and I don't think we are saving up and we're we're actually spending it more than saving up


I mean we are spending it in our favorite not wants basically needs but I think we're spending, wait a bit higher in our needs I would say ya ya basically we want food maybe what sometimes we rarely buying clothes you know so but most of it will be food lah so I think it'll be better to for us to start saving maybe


(mmhmm)


ya ya there's actually there's actually concession where you can just pay fifty dollars per month which will be way more cheaper, then having to be we topic ah top upevery single time like ten dollars or twenty dollars or something like that and and since ah we became poly students our normal top up itself is ten dollars


it's no longer five dollars so it's better to buy concession but during this true but this during this COVID situation also we're not travelling that much because we are staying at home and study so we should plan went to buy the concession because


it will be waste as as well lah so maybe we can start planning ya and, as we said we are getting a monthly something like that right if you're getting money monthly means, maybe we should start save first before we spend what's left like we save as some amount of money then later we then after that we spend what after what are the what the money that have been left for us maybe


but ah ya true ya, and in considering must pay all the bills and our lifestyle expenses like we need to layout maybe we should we should start doing budgeting for our own life I would say ya true so if


we start now right it'll be better for us in the future and we can spend first in the future we can spend first and save later we can I think we can get the attitude in the future if we are start doing this now, ya and (mmhmm)


and we needs to track ya we need to track our spending as well lah so that's why budgeting would be a great platform for us I would say, ya and, by do budgeting right it will be great for us to uh see what our needs and wants it will way more clear like sometime we also will think lah why why ah why this thing is is the need for us but something like that but


most of the time our needs can be a one they got all maybe or we or we can find something cheaper outside I would say, ya ya ya ya ya ya, actually do you think in our age do you think we need any financial adventure ah like financial ah adviser do you think


to I think financial advisor won't be I mean there're financial advising companies out there maybe but maybe now we can be it's a bit too early but


I think it'll be a great I mean it a great chance for us lah because it they will make us more they will make to ah make the thing more clearer to us like what are things that we can spend on and and for l as for now, ya ya ya and maybe they will have good make good money maybe they will save up good money that's why they are becoming an financial advisor maybe you were ya for now you are advising me I'm


advising you but we still don't know the correct road you see, so maybe if we get a financial adviser maybe, can help help us I would say and he can help us to manage our cash flow like how much you can put into savings and how much you can put in expenses and he might also suggest us ah the insurance company that he thinks that it would uh suit based on our money inflows and stuff maybe I would say


eh ya but as you said it's still young but, I would say it will be better idea I would say and, we it's easier it will be way more easier to discipline ourselves to get an habit of saving


and, I think we should start, before getting advisor right as a, advisor he'll the first thing he would say what ah you have to have your habit of saving why not we just shortly discuss about ya maybe short shortly discussed about how we can save like our saving goals and stuff


what do you think, so maybe okay ah saving saving goals means, why don't we a month right maybe we put one quarter, into our account then after ya where we don't touch maybe you can create a new account actually you know D POSB right


there's an account where they we we need to pay interest and they in the month you'll get an extra amount the the full amount they will your amount to give up interests to others but you will end up you'll get uh, higher amount in the end like the end of the month so I think is like to ah to four to five percent higher I would say I think there's a scheme for that maybe you can apply that lah so the money will be keep roll ya maybe the money will be keep roll keep on rotating and we can what uh have a good amount of money lah


maybe we should start doing that likes there's one of ya maybe it's one of our saving goals I would say, ya (mmhmm), true


true true, financially actually now actually we currently think about it right we are not spending too much on studies as compared


we did ah spend a lot for studies in the start of the poly I would say but now it's as we settled we would say we got everything that we wanted and stuff, it's settled now but, we are need to stop, what we are spending on the things that we we should not be standing spending and if you stop that in five years time I would say we will be in a greater high


where we can start our own business IＩ would say I actually I have an idea of spending and I mean opening up a business as you said you also wanted right like you wanted open open and in order to open a new business we need some money in our hand lah so I think in if we stop like in five years time like


I mean if we stop spending in unwanted stuff, I think we can save up a lot more and we can, ya ya ya and we who knows maybe we can become a, ah we will even become businessman in singapore who knows possible that I mean if you are setting a gold mean that should be our goal lah


like opening up a business in singapore and getting our money rolled out in and out and see what are the ways government is helping us and stuff actually government do help us a lot if you think about it, ya


must, actually sometimes if you think about it right ah, we tend to not listen to the people who as you said that day you what ah we went to the shopping mall you you got so frustrated saying that why these people coming and then only you study to listen right I think that we should stop that actually they are trying to help us like


how to say ah money and some maybe we should give sometime if what you won't be even more than ten minutes I think so we should stop and listen to them maybe you will get to know more about the financial things in singapore


okay, negatively expresses, hi hello, okay okay I'm good lah just tired


how are you , uh ya it's a big story man like lot of thing happen lah like a lot of fights and misunderstanding, we've been arguing every single day about something


which is I would say it's unnecessary sometimes even a small thing can be a turned out to be a big argument it can just be simple as it can just simple as why can't you do the household thing like okay you know right she sometime will come and stay over here


ya so sometimes when she do that like I will just ask a simple thing then she will like scold me for no reasons, it's a big ya I mean I don't know why


I literally don't know why and lot of things happen lah we had lot of fights and we arguing every single day and stuff, and, she I would say she personally not personally she did hurt me sometimes, and I couldn't resist it anymore lah


so we talked about it and I mean yeah you do know right I do I'll go all in for the people that I love like, I will talk I'll do whatever the person want like not the person want maybe like ah go all in for the people that the thing they love like do


maybe ask them and stuff but, I did the same to her she was too attached with her mom and stuff so I everytime when I want to go out with her when she say she having time with her mum or is mom alone at home I would definitely say okay go take care of your mum never mind we can postpone the plan late


and the stuff but she didn't even see that point and she didn't even see that, amount of I would say what sacrifices, maybe not maybe not sacrifices that away too much maybe the things I gave it to her and she didn't see that uh she all she just did was just okay ya is a chance for her to be with her mum


and she didn't see the point and she did hurt, sometime but I didn't took care took it to the next level until she didn't until into the breaker points she didn't even realize that I was doing that and she didn't realize that lah than that was way more hurting I would say


ya it was a it was a lah I'm getting back myself lah I would say I'm getting back myself I didn't sit at corner, I mean it's better to I mean it's better to take some time off like yeah it will help me lah if not who knows maybe it might turns out to be an another fight saying that I thought we already ended why you are still talking that that thing will even more hurtful for me


I I didn't I didn't want that so that's why so that's why I just, kept it maybe not now maybe I'll wait for her lah maybe ya ya ya ya by the way I heard your mom called and she said you are not sleeping properly what happen


okay, (mmhmm) ya (mmhmm)


okay, oh, oh why why mean why why teachers are choosing the grouping aren't you guys supposed to choose


(mmhmm)


(mmhmm), true


maybe get them to what ah maybe firm with your answers maybe


and that's you will be very risky you know, no that I mean that's rude


!wah! why such thing happen but okay


but since like that maybe just pressurize the teacher or something but don't go with like cannot sleep and stuff because you do know that sleeping is important and


maybe maybe ya lah true but maybe get someone to talk to the friends or something the group of the girls or something


ha you maybe try how to sleep properly lah I mean in there should be a way lah maybe you try but talking about sleeping I had a really in a few days ago I think I had a bad nightmare, it was very eerie I'm like ya it was very eerie like


it was it you do you remember our secondary schools uh, secondary school field school field ya it's so technically I was sitting in front and, like like the start of the uh there will be stair right I was sitting on the stairs and there is a the field I'm facing the field so the field splitted to two parts which is which is unusual for a dream but it came in a dreamer lah is splitted into half and one side is a field and another side is a


pavement okay, so one side they are playing uh what's that called uh the ball the game that hockey is it something like hockey hockey or flicker ball lah I don't know hockey or flicker ball and ya floor ball something like that and


another side they are playing uh soccer in a glass batch lah so technically they'll be playing and suddenly the place turn on to like hell you know like !whoa! everyone just burning and playing game like ya doesn't make sense right but that's what happened like everyone is


burning and they're still continued their playing and I'm in beside there are people with me lah so I tap on their shoulder and saying that the peoples are playing the they ask me are you crazy or what I'm like am I seeing only or why am I seeing ya it's, just my vision I'm like and there is another little girl just come st down with me and she was telling me eh I look at them how's how how happy they are burning I'm like


wait you can see also but why the person and the little girl I've not even seen her in my life like my entire life but she was there and sitting down beside me and I was like oh who is she and stuff and few days later I think she came in my dream also but in a different situation


it was a wedding kind of situation, but I couldn't see her face properly but I can see her size lah I don't know what kind of science all this man but literally even that the marriage one I would accept it because it's a happy event but this thing I I literary can see is like hell like


the you can imagine the cartoon kind the the movie that we saw all the hell right like burning, and I don't remember I have watched any kind of horror movie or any kind of thriller movie the day before I slept so I don't know it's just out of nowhere and I can't find any ya I it's like I can't find any link


to that and I and went after I see her, ya I just went ya


okay, okay


so ya ah after I see her twice in my ah after I see her twice in my what in my dream right so I went to tell my mom on hurried and she was like you do know right my mum trust in spiritual things, so my mom told me saying that maybe she trying to get


or maybe the girl trying to talk to you some talk to you about something then I was like I don't even know the girl leh and how am I supposed to know that this girl is coming to coming to talk to me and if she want to talk to me she be would have, appear in my next dream subsequent dream ah why she didn't all she just say said was was I think she came after one week or stuff something like that but


in a two different two different setting and two different environment like one is hell another one is at marriage one is at sad vision ah I mean sad moment another one is a happy moment and, how am I supposed, no what but even if something like that why the girls have supposed to appear in twice like I don't even know the girl and same girl appeared twice


in different sub ah environment and I asked her I asked my mum lah saying that how is it possible she's like happen happen to come in two different situation and you are telling me that she is coming to talk to me and how is that possible like okay but did she ask me to go like


okay maybe go ah wait ah maybe next time sleep properly and see you whether she coming or not then you ask her in dream I was like, how am I supposed to ask in dreams I can't I can't control my dreams what, I'm like okay, and then I was like okay fine nevermind I'll try lah I didn't argue with her that much I was like okay fine never mind I'll just try but the dream was very eerie man like I don't know how did the thing came about literally was I would say is a I would say it's a worst nightmare that I ever happen


and I don't want this to happen in real life just imagine like while you seeing people suddenly it turns out to be an hell, like ya but I I would the first one to run away, ya


eh actually nowadays a trend is getting way more worst man do you see the trend the popular trend is coming about, ya the korea oh


it's very irritating and those who don't speak korean are now starting to speak korean like


ya, okay ya so it was way more irritating when the korean I'm like


where you guys come up from like ya korea starter they started from doing albums and stuff but they turned out to be one like you can enjoy the music lah the MV all you can enjoy the music video all can enjoy but don't try to turn out to be one like them and


they've they started to buy posters they started to buy books, like how much here here I mean, okay okay they're korean ya but why suddenly a lot of MV and a lot of music videos have came about what why only these have been a big thing for you


like ah it it but, just for the looks mean okay lah just enjoy the looks why you have to the best part you know what after they get attack ah attracted to, korean right they will try to bring in others I'm like you be yourself if you cannot be yourself okay fine you go korea mean go be korean don't ask others to join in you lah like


ah ya ya the korean things and now the what, sometimes or some kind of new equipments all came about like fidget spinner, eh actually right in my school you know you know the tag that we are would lanyard that we were wearing there'll be the traditional lanyard that be we we wearing you tell me since how long it came about like how long already


donkey ya around more than ah I think it's before even I born it's been here already but, now it's become a trend because under armour just released their lanyard I'm like okay under armour just released their lanyard I'm not saying no but if one person buy me everyone I mean everyone started to wearing it and you know what's the best part nobody like they don't hang anything on the lanyard they just wear their lanyard like I'm like


can you can you, make use of the lanyard or not you keep okay you're buying under amour okay I'm showing off okay fine, but, what's the purpose of the lanyard suddenly why everyone buying under amour like the best part is everyone is buying it technically everywhere I go right I'm seeing a lanyard which is stated under armour I'm like okay


under amour also, what is it I mean what is it I mean what is there to left out I mean if you are thinking about letting out means what do you mean by the people who don't have like


like they don't afford to buy won't they feel left out, I mean there are cases I mean that I mean there are cases right I saying that uh bullying and stuff still happening this can be a event where where the bullying can happen you know like everyone wearing why I'm not wearing I'm like then the pressure is on the person and the pressure will go to their parents saying that you're not buying for me anything there will be a fight in the house I'm like


I mean why under amour under amour it just a lanyard, okay they released the bag okay fine, okay they released the bag I'm not saying no


they released under amour bag and everyone bought it but they made it they made good use of it and they even a lower uh low income family also can find it because uh it's it was cheaper to some places, so I was like okay fine everyone can buy and it's a good news because it's a bag they can bring it to school and sizes is uh like way more nicer and stuff okay fine it was okay but it just a lanyard


but the thing that really recently released is what is the lanyard and I'm like what is so good about the lanyard I literary don't understand more, I don't know lah because of this lanyard thingy also I had a fight with my friends and stuff lah because


they've been going asking around and saying that oh the people who don't have a lanyard right they be telling around why you don't want to buy a lanyard it's very good one very good one I'm like asking the I literally ask them back like, how how good it is, for me like I can buy a normal lanyard and I'm not a lanyard person wearing an tag and stuff I can put the uh the cards and stuff all in my wallet or I can just put behind my phone it's way more comfortable


and this lanyard is I mean sometime sometime this lanyard is like way more uncomfortably you know some because the height is way too below I need to and is shorter people like me definitely will be below my waist I'm like, I'm not going to wear I'm not going to wear a lanyard which is below my waist that's not called lanyard that's called a flex


but they are not listen to our point of view what that's, ya ya the best part I mean the worst part is they will joke about that like oh you don't have a lanyard and that's the one the after I hearing this lah that's the only thing that I think like this the thing that they never they never should joke about because it includes the people uh uh people


morale and it can bring down their moral way too high way too low like, because ya and my dad, ya just because of an lanyard I'm outcasted that's like that's like a no no


who who I mean you can, I mean they are clearly not understanding clearly they are not understanding there are people who going in kerosene and buying that stuff I'm like hello keep your money that's not that's not that's not a need lanyard you can even go popular and buy a normal one if you want to buy a lanyard


but they are not understanding they want an under armour landyard I'm like okay same lah this k korean korean things you can buy a normal book no I must buy the korean poster book I'm like for what, it still going to serve you as same purpose what you're not going to like write down something that is different than the


it's different thing than you going to write in the normal book people sometimes people don't think


ya it definitely will ya


ya ya ya ya I'm like, I don't know lah they are they are literary out of their mind


true, but they're not thinking that's all I can say and they're wasting their money literary not everything can be a popular brand and I mean popular thing that you need to have


sometimes a normal thing can solve your issue also sometimes they don't plan to buy to solve the issue you know just to buy for popularity [oh] I must been ya ya, okay so


okay, positive experience what's up man it's been very long we never been catching up


true how how's your day how was your all that how was your study actually, (mmhmm) true


(oo), okay that's good that's good okay do you you do know they're like friendship day just ended and we didn't get to have wouldn't get to talk on the day itself like maybe we can take this time like definitely during COVID situation we can't be meet


each other and stuff even though and like now five people can meet I think there are very limited place for us to go ya, true, ya


ya okay lah maybe you should start I mean we have been friends for so many years there will be definitely there will be a lot of stuff that you be ah you wanted to ask me let's take this time lah yeah maybe we can share each other's idea


sorry again, three things I grateful in my life okay first of all my parents I would say, one good thing grateful thing is that my parents they will be every time they will be motivating for me and they would encouraging me but there are some time


there will be like actually the the method that they used to me right literary motivated me myself even though it's a you know you been you been studying early childhood right do you you do know that there is negative reinforcement right which leads to good thing as well


yeah yeah but ah that, I think really helping I would say it was one good thing I would say tell one one of that is my grateful thing in my life another thing would be maybe it can be, my friends so you guys and everyone


ya my friends like after my family they would be my friends definitely because there are some things that I have not even share to my friend uh parents but I did share everything to my friend like how I figured out what is true ya ya ya correct correct correct ya


so are there are things that I always been always on the I'll always sharing and stuff, and they have seen more of my side and they have never left my side lah I would say and they'll, be they're always there and they'll be supporting each other we ourselves like did how many times like so many hurdles in between when I was secondary school life and stuff


ya ya ya ya true so ya I've said two right one more one more one more grateful things in my life, I would say grateful okay sorry teachers okay lah okay not everyone


but there are some grateful people that I really look up to as in there's not only one there's a literary a lot, but ah, you do know right uh I what I got good context with my secondary school teachers and stuff like you you even need to said yourself even though we are studying same school why they are not talking to me but they're talking to you


but we are there are the teachers literally motivated me so much, and they do you do know that my mother tongue teacher is the one that asked me to go to this course right like I'm like, she had that much of trust in me and there are that much of more ah that much of she saw talent in me if not she wouldn't have said that and her


decision didn't literally went wrong the decision that she made for me was really perfect and I'm really enjoying, the course that I am now I'm like really I like, ya lah if I'm, if I ever if I ever get a chance to go tell uh meet her I'm going to tell her you really did a


good job for me and I'm really grateful for you maybe I should do a card or maybe I should sound and text, after we end the call maybe, ya maybe I okay lah maybe today is what ah thursday maybe she will having school lah maybe uh in the evening I'll make a call or something lah


okay eh, I have answered your question right it's my turn now okay describe the best movie TV show that have you ever seen and what do you like about, do you


ha ha I I ya


go around and killing people , !wow! how many seasons are there


and you and and you and you are sitting down for six season how many episodes, oh my god that's literally netflix and chill man


that's very fast okay, okay


a'ah, go grab another series then, ah (uh huh)


ya ya ya ya I know I know you used to used to all the ya, a'ah


why, true true,


a'ah no how to get away from murder on modern family both !wah! I'll try I'll try maybe, maybe I'll try to catch up maybe ya


okay best thing award ya ya ya ya I mean , okay lah this round a first time getting an award but this award is really special to me I would say like


after ya ya ya ya I'm, this award is literally, out of blue like I literary didn't expect anything, like you do know right uh even if in secondary school they will tell you this is your award you will be getting an award so be prepared you'll need to go rehearsals and stuff


ya but the award that I gotten recently like it's like out of nowhere like literally they just stay ya ya ya they they like out of nowhere I would like I, I expected to be someone in my class you know but I literary don't know uh the lecturer chose me and gave my name to the person I'm like super surprise ya I'm like super surprise and super I'm like literary shocked I'm like


uh you know you know the word you know you know the the word another word for for surprise is flabbergasted I'm like I'm in that kind of range I'm like in that kind of range you know I'm like, what what how how and when I told this to my mum and dad they were like oh man you must you must seen their reaction


!woo!, ah like the award, still in my showcase smiling at me everytime but that, oh !whoa! !whoa! !whoa! !whoa! !whoa! !whoa! it was intense it's way more intense than I expected really intense like the president is there


you know, like oh man, it's okay, but it's okay lah it's okay it's okay at least I I maybe I I haven't footage I have some video recordings maybe I can send you and stuff but


the experience eh oh oh yeah yeah yeah you came out in the news also, yeah and I'm telling you the the experience right I when I okay the event is technically I need to wear formal and went go in and you do know that I feel formals as well only and


I was searching it like a bad I went out to buy a nice formal just for the event you you do know that I don't shop but for this event I really wanted to make it like a stand out like a a day that I need to imagine like remember so I went to shop myself and I


got an nice uh former shirt and pants, and wore that to the event right I felt like okay this is my day so I'm not gonna do anything and, ya ya ya ya


when I step up in stage actually you are smile you only saw the top of my face you really don't know how badly my leg was moving while I was getting that award because I'm literally scared when I were put down it's a glass award like it's a made up of glass that award is made up of glass so


I was like am I going to drop it am I going to drop it am I going to drop it because from I, you do know right I've sweaty bumps and I'm already nervous, and it's gonna be doubled the time of sweaty bumps and I'm getting an glass award and I was too scared whether I will drop the award in front of the stage or even might fall down I was


every every single possibility that can happen that can ruin the uh event right I was thinking about every single thing whether I'm going to do that or not but end up everything went smoothly lah which is, !whoa! !whoa! !whoa! !whoa! but it was a great it was a great moment lah I would say my parents were very happy even some of our classmates also came


I was I called ya ya some of our classmate came, like I I ya ya ya ya ya, because they get to know the news by, the news right so they ask me whether am I inside, like the they said there's a even going to happen then they ask me whether I'm inside then I'm like ya I were inside okay maybe I just call them lah then they came in


ah ya ya ya it was a great moment man, , it's okay it's okay so have you done any traveling, I mean before this COVID situation have you done any traveling


okay the place I would okay wait the place that you wanted to go right, I mean you wanted to go to the place very long time right the place that you love the canada


a'ah why why I mean why, I mean it's a good place it's a good place you really strange eh


you wanted to go meet the president you think you think you can go meet without an appointment you think is very easy, a'ah, okay okay


a'ah okay, a'ah


too bad COVID COVID play, (mmhmm)


himalayas you don't do trekking oh why you went there , okay it can be a good a'ah oh you went alone


you went alone for trekking, you don't have an experience and you went alone (uh huh) okay (uh huh)


(mmhmm), okay


best place eh I mean in himalayas definitely will be peaceful because everywhere you turn is going to be mountains and you going to be cold everywhere you turn yeah eh actually there's some, there's a there's a there's a lot of, what what ah in temples as well right


okay, it definitely will be a peaceful I mean definitely will be very peaceful I would say because himalayas man like who will say no to himalayas I think those who went there right how do they have the mind to come back


(uh huh) true true but, no problem no problem I will see when I'm free I mean definitely there will semester break and stuff maybe we can take a month or few weeks of


can can can no problem no problem ya ya ya


, travelling expense you do know that I don't take even till now I haven't take a single airplane, to travel, still haven't I'm still moving I'm still doing my hoping in malaysia


malaysia itself got a lot ya malaysia itself ya I think, malaysia itself got a lot of ya ya ya malaysia itself like got a lot of states what so, the total of what fourteen states and I I have been like hopping around and the best


place I would say is !wow! if you if you are asked there are several types you can split into different types you know like one for uh environment and uh then for another one for a sightseeing and if you are looking for environment like a cold environment you, definitely will be genting or cameron I would say the okay when the mountains are at the peak you know and you can travel up


to the peak in road I'm like as you going up right as you going up the the the, weather was way more cooling than I expected I literally wore two jackets and a sweater, like, and that's how that's how much cold it was like !wow! man it was literally damn cold so we went


there and did a lot of stuff I literally I enjoy the environment lah I was wearing socks in the hotel room because the even the tiles were very cold, and, it was a great thing I think himalayas will be ten times worst than that, because it


okay but then I mean I might maybe let me maybe my ya maybe my body is like way more, and not everything too cold or something maybe and if you are going for sight ya if you are going for sightseeing right it would be definitely langkawi


!whoa! the, ya ya the the beach right is damn clear it's way more clear than we than I expected I literary uh you, you do know right like if you go further inside the sea the water will be more clearer and clearer and you can see the blue the blue which kind of water


I can see the it in a starting of the beach itself it's very very clean and it was way more it's very blue I can it's like clear water but in a bluish I can see the fishes inside, ya it's was !wow!


snorkeling no lah, doing their prayer of time, I think we went in the family right maybe if I go alone, maybe it would have been an adventurous rate but since I went with my family in we like a casual trip I would say just enjoy relax ya sightseeing and enjoy relax maybe if I go alone or go with our friends means


maybe would have been adventurous trip I would say but ya ya ya ya ya actually there were a lot of


oh technically it's like a promise and we don't all must try even though we don't want to do or we have a ya we have a fear of that or something, that's is going to be a good plan but I don't want don't but I don't want to do mine mine is you know right I'm scared of high ya it's going to be way more hard for me


okay a sky diving I can't even do bungee jumping you asking me to jump from the sky, okay okay maybe I will maybe we can try maybe we can try okay okay but pack ah pack means must do in a big group lah if not it won't be nice


do you think they will come maybe we can try asking them, (mmhmm) ya can can


investment strategies so let's talk about the first one ah uh, so do you think investing or trading is similar to gambling,


I mean it's sad to be your friend I mean it's sad to be your friend ah uh personally I don't think that investing or trading is similar to gambling ah I mean the mechanics of it is the same but personally I don't think so ah because investing means right you make money but gambling right means you lose money


ya you can lose out you can lose out an investments ah but to say that investing in the stock market is the same as gambling I to me ah it is kind of exaggerated ah , short term ya short term quick cash ah


I


ya which is why I think that is not similar to gambling lah cause gambling is the fact that you are going against uh something which, has which you based on which which you based on probability ah but for investing and trading wise right you have you have studies you have studies you have statistics that can help you predict the predict the market in the future ah that's the thing which is why I don't think it's similar


uh so sorry


I guess that's I guess you could say that lah I think you uh, guess you could say that uh, so I just want to ask you right let's say you have a million dollars lets say you have a windfall of one million dollars would you invest your money


true ah true ah I mean if you look at the current market right now the wages are stagnating and everything all the prices are rising ah and you know it's hard for people to make to come buy ah which is why a lot people don't go with investing ah if they had a million dollars I will just spend it all by my single house itself ah then just live in it for the rest of my life ah


ya definitely not enough in this country ah, ya there's money will be enough ah


buy a house and a car with a million dollars just live with your parents ah ya live with your parent ya so can I just ask right what does investing mean to you ah ya what does investing me to you


so like what about your future


I mean I agree with you on this part lah I of it investing is like for the future itself investing you should invest for the future itself you should invest in yourself ah lot of people don't do this nowadays uh they you know they don't think about this but I never say don't uh


you know it's complicate it's a bit complicate to get into it lah but I mean the most basic of investment is just saving your money and like banks ah, , uh considering doing investment considering doing the investment ah so what after this recording you're going to get make an investment ah


okay ah yes it's really complicated lah, I mean fair enough ah uh want talk about


I mean I will go invest in a financial advisor lah cause they know more case because they know more than me ah leave it to the professional leave it to the professionals ah in this case


I mean having a financial advisor is good lah I mean ya lah you have to spend money on him but at the same time he's there to like guide you and help you with it ah and you know there are like good financial advisors and, there are really good financial advisors ah so I suggest is like if you are thinking of doing on your own right I suggest you should at least do a bit of research beforehand ah


I mean if you pick a bad one ya but last but it's based on luck ah so if you pick a bad one then who knows ah, (ugh) you want let's talk about the recent performance of the stock market ah cause you see the US one cause you see the US right uh they pumped out all the money they inflated the economy


they inflated the economy and then uh you know now there are like one trillion dollar more in debt, I don't remember I don't really remember what was the last time lah but in the end they managed to save the, to save the to save their stock market ah but right now since you know no one everyone's losing their jobs no one is no one wants to go out companies are losing money you know and investors are looking at it like it's a really bad opportunity right now ah


I mean sure lah but ya you should take ya you should take a look at the stock market nowadays ah who knows maybe one day you may want to trade eh ah some day ah


so you so you familiar with investing or not ya


sure


so can I just ask so let's talk about insurance you got, you got you do you have a personal insurance cause I mean despite the if,


so like what so what insurance would get so what insurance do you have or like would you get insurance when you like buy a car get property travel overseas


I see I see , so is so let's say you get an income right and let say it's like three thousand dollars a month even though it's not enough ah uh what percentage of your income would you spend on the insurance ah let's say I would spend like twenty percent maybe


yup ya, twenty percent three thousand dollars ah I mean if you count uh CPF ah


I mean that's what I mean that's why why everyone's now will want nowadays right it's all like income and they all want a high income and really just low working hours ya that's the life ah, ya lah so let's so you know so ya but but but we were talking about but since we're talking about income let's talk about the CPF insurance ah


cause they take out twenty percent uh of our income every month and uh to me that sounds uh really to me that sounds kind of dumb twenty percent is a lot it's a lot twenty percent is really dumb as well, because from what I heard right you're not allowed to take out everything at once I I think that your CPF if you want to if you want if you want CPF you should go for CPF cause if you can't you knows if you don't have to save your money I think CPF is good for you ah but other that that right


uh you know you you what ya you'll be untill ya ya, ya


CPF insurance coverage to me is you know it's not enough lah it's not enough honestly cause I see all the hospital bills all the medical bills nowaday it's getting more expensive and now the biggest fear is getting COVID ah so will my CPF cover my COVID funds


ya cause pretty sure ya I think government covering for COVID should be covering COVID unless the you know they take out your CPF ah, correct lah


I mean


ya a typical financial advisors is someone who knows what he's doing but little cash is very vague ah so what like fifty dollars thousand dollars what do they mean by little cause to me cause to me right I mean like hundred dollars is very little money in this day and age


I mean who knows ah


high risk investment like what's no lah you might you might as well just do it with with bitcoins ah, ya just bitcoin ah very high very volatile lah high risk high reward ah, ya lah but the look saving also crash ah but who cares lah


I mean if you go into the market with your savings right is one thing ah uh by using by using it by using like let's say the money that you need for food and taxes right and you invest all on bitcoins ah that's a that's a whole other thing


ya I will also invest all my money on bitcoins get more money ah ya lah so you know, ya but most crypto currencies are all ya crypto currencies most of them are all scams ah, ya


ya lor uh you, so right now right do I thing so do you think that the stock market is economy or not, I mean personally I also don't uh personally I don't think it's the part of the economy I mean it's no not really I would say that it's part of the economy but I'm not saying it describes the economy in general in general lah


uh


I mean, can I just ask right if the have you gotten your insurance from a single insurance provider, or did you just get insurance products from multiple companies


ya ya, I mean by why I mean like what about the government ah, government but I think it covers, I mean it should cover for everyone


ya they always give us those health insurance, they will give you ya lah, that's ourselves that's how much ya that's how much you're worth


ya working adult is ya working adults is worth more than that, ya lah but, I mean I also got I also get my insurance from a single insurance provider although I think about you know getting insurance products from like multiple companies, the same as yours ah AIA


ya everyone uses AIA it's the go to, what insurance companies are there ah, I mean NTUC I mean I I think NTUC is one of the insurance


ya NTUC is also one of the insurance providers, eh not really ah uh ya not really I


ya cause you spend it all on skins, invest in that


I just I will just tell my parcel to invest in amazon ya amazon CS go what ya ya ya buy those buy those skins buy those skins wait for five years


ya but that's like CSS


I mean like ya lah you you can also considered as one of the investments ah


(hmm), I mean


ya ya the is the price is currently increasing in the steam market right now lah but really but really though cause you cause to me skins are kind of scam lah they're not like physical products itself lah I mean I mean ya but what if ya but but why would you want the skin to be fair it doesn't it doesn't even help you in anything


so what he will show so what he will try to time the market ah


nah I would just nah I would I mean I don't invest in skins ah I mostly just get cases ah you know time in the market, just sell them in about three years time ah, ya lah but look at all the old cases right now twenty thirteen all those old cases


ya it's all worth but you takes a really long time ah, its investment for the future eh come on you get you get cases for free eh, and you get and you get back money eh it's it's


, none


I mean can I just I mean we were talking just now about our habits of saving right like how do you like you have a goal first of all like if do you have a goal when you save


spending without thinking, ya looks like you need a financial advisor ah ah, I mean I do I don't on ah ya I'm just like you I don't have a habit of saving goals ah because I don't really care about like materialist I'm not materialistic person ah you ya I just like whatever you know I use I I get hand-me-downs and I get like if my brother buys me okay


have I ever save for something I want ah (oo), a new computer probably, probably probably get headphones probably get a new headphones probably can yes I should start saving soon ah well


(ppo) yup


negative experience so what kind of person do you hate the most


ya let's just start with that, ya ya they are


egoist so very egoistic people lah


so, ya everyone is a bit two face, I mean ya lah like sociopaths you know they try to gaslight people I can understand how you feel lah


I mean that's I mean that's just I mean that's just life lah everyone has to put on a certain act in front of people because uh they need to act a certain way in order to like let's say impress their, true


ya sometimes it gets too much ah people don't know where to draw the line to it lah, mostly the same as you ah but the kind of person I hate the most will be probably hypocrites ah you know people people people who have a certain idea but then they just set but then they uh go on to another idea because it suits them the most ah you know they don't they're not loyal to it that's the kind of person I hate ah if you're going


everybody bit of a hypocrite lah but if you are going to have like if let's say if you are going if you're going to hate on some, thing right you hate it fully maybe if you like maybe if you be maybe if you have a different opinion but then about it right or maybe if you changed because someone convince you to it's fine lah but if you


hate it solely because uh someone someone else told you to right but then you liked it because another person told you to like it right come on really, ya


they go to another thing they're they're like they're like baiting you in life, what do I often worry about ah, (oo) besides study besides, besides study besides uh when I play games you know toxic people in life


this types of thing I worry this types of thing I worry about lies I can deal with toxic people I can deal with studies lah but I think the most thing I worry about is you know when one day I wake up and I hear like one of my friends uh you know gone or


disappear every everybody does that at some point lah but you know I don't want I don't want it to happen to anybody in life ah even if even the person I hate ah, ya that's the best case scenario ah


I mean you're I mean you're just worried basically you're just worried about you know waking up sick ah


out of nowhere these kind of things ah


I mean it's expected in life lah, I mean expect the unexpected lah do regular checkups that kind of things lah but you know though, ya


I think so I think you're so I think you should just worry about you know taking care of yourself being in good health ah I can like I, wait so it's like what you're interested so what you are interested in what not dying or living there's cause it's two different things


not suffering ah okay ah so not dying ah


yes, ya have you wanted to get revenge on anyone you hate ya you wanted to get


oh seriously uh, I mean I always wanted to get revenge on the people that you know bullied me when I was younger, I got bullied a lot ah, I won't say bullied I won't say bullied bullied lah but you know people people people leaving me lah ya ostracise ah


people ostracise me for being weird people ostracise me because you know, of what being smart


they get they, I mean I can understand lah I had a friend who was like you ah


I mean they were I mean they were kids they didn't understand better lah to be fair but you know also thinking about it now I you know I wish I have I had a chance for revenge and so on ah I still wish I had the chance for revenge


things that I cannot say in this interview


ya it's just it it's just like that ah, after after awhile after awhile after after awhile lah


what popular foods did I dislike ah (oo), honestly I I would say rich people food, you know rich people food you know rich people food when their serving comes in a really small size you know they have the ya they always they always act really they always act like oh my god this is like number one


they pay like ninety dollars for a small dish I have experienced it before, ya


I mean one of the more popular foods I hate would be shark fin's soup ah ya shark fin's soup ah, actually it taste ya it's tradition ya it just dies


uh no no no I just hate I just hate it because it's weird it's weird ya taste a bit gooey it's weird, just to review it lah


ya ya maybe ya maybe you should try getting married ah, ya so so what makes you cry, ya what makes you cry it you rarely cry


obviously


uh, I would say usually like sad movies people bullying me, sometimes


what kind of monster are you so what it's like it's so not it's like you know having personal attachment to like fictional characters or you know their sad, tony stark die nah not none he cried


what TV shows do I cry over


not really sure I very long since I watch TV ah there was this movie about a dog a dog with the owner and then the dog died that was all I remember about the movie to be very fair, ya like I cried that was a very long time that was very long time ago


ya a lot a lot people people that


people in my primary school people in my secondary school you know they used to look down on me


I mean ya lah then education discrimination is, kind


ya education discrimination is still pretty common lah but you know it's just how it is lah but I don't think most of us mean it lah when we just say like [orh] NT it's more of a joke ah


ya but each of them have their own like personal problems lah


have so you know


what are some events that made you really feel with I mean made you really angry ah in your life, ya


I mean there was one uh uh !oof! a lot of well , I mean I never really got I I don't really remember any events that I got angry over lah because you know events that I got really angry over I just got over it but if there was really one time that I've got really angry right was because one of my


one of my friends you know lie to me and I was friends with him for like two two or so years two so years and then he lied, two two or so years ya I met him during secondary school sec one ah and he lied and he lied to me right


I won't say it's serious lah I would say it was more of like a petty issue lah but the fact that you know after all this time there you know I I honestly believed in him and he lied to me right in my face, ya and you know they ya those those


those people that you really trust and then the backstab you behind the back, I I mean, I mean it's good that that happen to you ah at the very least cause so you won't have to experience this kind of things


I don't know ah karma might hunt you one day ah


ya so what so what did you believe in when you were younger but not anymore


ya believe in when you were younger but not anymore


there's no nothing like what santa claus the tooth fairy what, so what tooth fairy as well nothing meh eh kids mah nothing at all ah really ah


what about like what movies like what movie star celebrities, , well uh well I will I will be santa claus ah


ya, ya I used to believe in santa claus and now you know cause grow up ah reality kicks in and now it's not real lah, I was like ten, sorry ah sorry for having a fantasy ah sorry for having a childhood lah


so what sacrifices have you made for your loved ones but they never appreciate you, ya sacrifices that you made for your loved ones


I mean I never really, I mean the sacrifices that I made ah uh is like when I go when I go get part time jobs and they're not really happy that I go get part time jobs you know when I don't even last for that long I probably do like part time jobs for like one or two months and then they'll complain is like why don't you do it for longer is like I just want I wanna just relax and life


and you know I I I work ya I like, one to two months and then you know make, ya make ya I make ya I make money for them and I and I said like what's the problem you you wanted me to go get the job and now you're not happy about me getting the job because I don't spend time with you at home


what, ya can be pretty irritating sometimes lah, also it's like you know when I study for something but then my parents always walk me in using my phone,


you all ya it's like that ah it's ya it's pretty irritating ah, but I mean in their eyes I mean in their eyes all the things that I've done before you know I actually got serious to doing like all the study


(ppb) ya it' ya pretty much, okay


positive experience, alright so what do you love about life


!wah! you !wah! what about the , play computer games watch anime play


, they are just ya food is great ya food is great you entertainment ya


you want to go watch movies after this not not many good movies ah, uh what are some of the memorable moments from my younger days ah , while I was about ten my parents brought me to like the amusement park for the first time you know the what is it called again not universal studio universal studio ya it was great the lines were really long though


ya lah but it was fun lah you know ride ride all the ride all the madagascar rides all the shrek rides rollercoasters was rollercoasters were scary


ya , sounds more like a negative experience to me


I got to cimb a mountain, I never exercise after that that's very sad, uh yes


that's really bad, ya eh you got do you have a pet


I used to have one as well lah, battle royale I


are you sure are you sure that was a are you sure that was a fish, it's pretty weird for a goldfish ya


I mean like you just , ya I mean I used to have like a cat ah uh I had a cat, uh didn't really like me that much for some reason then I now it's gone I think it's the ya died died just died awhile died awhile back lah like two thousand and twelve like that I think


ya oh wait if you're going to get a cat if you're going to get a cat ah you going to get, hamsters don't last long they breed a,


why is, what is


what is with you and like what, what is with what is with you cried when your hamster died [orh] that's


, , ya [orh] ,


did you ya no no it no it's like it's like it's like conditional loving lah even if you love the pet but the pet doesn't love you right don't get the pet, it will it will it will come to you one it will come to you one it will come to you one you know like you know like dogs and cats will choose their own masters lah


ya there's reasonable ya what are your goals and dreams before you die, ya


before you die before you die make moneys do drugs, !whoa! !whoa! !whoa! !whoa! ya ya ya a bit touchy that can be touchy my bad uh, I mean making money is probably one of the bigger goals in life ah


ya making money is, now have you ever seen now you've never seen those uh courses ah for like, for uh you know those courses where it


teach you how to make like five thousand dollars in like a single month from your own home, ya ya how do I, ya how do how ya how did I make ten thousand dollars in a single month ya that's


ya they buy their goods at very low price and then sell it at a very high price ah, ya pretty much


get a good job make money have wife have kids, we live to entertain yourself oh can you describe more in detail


describe more in detail how you will entertain yourself, so why you want to be a


so what you want to be a twitch streamer ah, uh okay


cool, and my goals and dreams in life just to make money have kids, to give have kids ah, maybe not in singapore lah maybe get like a white girl, ya may migrate some might migrate somewhere else


ya you know so what are you thankful for in life ya


ya, so just thankful for the small things in life ah, you know my my my life could have been a bit better my life could have been a bit worse ah


walk twenty kilometres to school okay ah fair enough ah, can enough ah I I mean , I mean my I don't know about your parents ah my parents have very good relationship ah thankful for them ya thankful for that thankful for like a lot of things ah in life ah


you know the food the clothes uh new being born in singapore and not uh and not somewhere else like you mention uh, ya, could have been so much worse but you know could have been a lot better as well lah so ya just some people are born with everything but that's how it is ah it's life ah


you know people are born equal they don't live equally ah, !huh! what's my comfort food ah ramen lah


ya let's go eat ramen that's not don't let's not do don't just eat instant ramen for the rest of the day ah just go outside


the I didn't did I did I not warn you that three did <P2>keng an</P2> and me not warn you that three times was a little bit too much for you, ya


okay ah fair enough lah but the ya lah but the Ajisen one not the bad mah


GST, I mean ya lah they I mean they exclude GST ah which to me is kind of really is kind of a big scam ah, I mean ya


I know like what ruffles has good sour flavour, I mean ya


there's always the same old flavour it's always you either get the one with cheese or you get the one with spicy cheese


I mean you if you really want good chips right you should gone you should get the ones with like where they serve it individually ah like the restaurant ones, so let's go of so let's go outside of the house and let's we get some chips


what is the nicest thing someone ever told you nicest thing


you need to talk more just say


nicest things someone said to you ah, nicest thing someone said to me you know all the aunties that always come around they always call me handsome , was the first and last time anyone has called me handsome I mean now my I mean now all my mum's friends look at me say oh my god you grown and then it's like you're not handsome anymore


[orh], ya lah, you know they come around and they say oh you so tall now you so handsome


I mean I mean make you I mean make you feel good about yourself ah that's the thing, ya


ah people don't ah people don't compliment each other that much lah I think you know people need to compliment each other more lah , I mean I mean I mean that's a different case lah it's just that they have to feed their ego ah that's why they do this things ah


I mean you only I mean you need to have a really big ego to be a model first of all but if you don't have any confidence ya you know if you don't have any confidence in yourself self right what's the point of being a model


so what's your perfect day ah ya ya so it's like, that's about it lah


well my perfect day will be just waking up really late going out to buy junk food playing playing computer for the rest of the day going back to sleep, perfect day will be just


I think ya you could not I mean you could not just wake up for one day lah I mean unless you're just unless you awake unless you stay up for like seventy two hours like forty eight hours ah


ya wake up at six AM in the morning go back home at six PM if you are lucky you, you just do the whole work, I mean if you're lucky you don't have curriculum activity you go home at two and then you just use that time to sleep


CCA dead already just go home lucky lucky ah


talk about positive experience talk about positive experience what's so, ya <P2>paul</P2> talk about positive experience ya, so do you so if you so you know I I still have faith in mankind I think you know I've seen I've seen acts of kindness that allowed me to like renewed uh my faith in mankind ah like uh I go to like I went to turkey once I went to ya I went to turkey before it's fun


you try to go to turkey everyone you know take cares of like animals they treat them as one of their own and you know it goes to show that there are still like there's still kindness out there


and for the things going on now I guess you know we focused too much on the negative you have to focus on positive, ya, so do you have a skill or ability that you are proud of, ya


I play league of legends to I play league of legends twenty four hours a day, ya skills that you are proud of, fire a gun not that bad lah


it's impressive already ah it's impressive already ah, still can run two by four, how well, nah I mean, it's not really a secret lah cause you should know me lah I always I spend about six months of my uh life learning malay


fun ah, I mean ya lah be I mean good to learn more good to learn good to learn languages ah, uh not really ah


I mean I do I mean I I I can read the words I cannot I'm when I it's like I can read it's just that when speaking no ya that's the thing I can read but when it comes to like speaking right , not that good ah, sometimes ah you it's just it's just picking out certain words and then just like going together then in your mind translating back to english it's like chinese


ya, you have any fond memories, can I any good ones personally


ya, fond memories with like any of your loved ones


those were the days ah you know, mean ya you know me uh going to thailand ah would be one of the , well ya would be one of the more fun experiences to have you know it was like the last the you know the last time I go to thailand was probably like four years ago ah and I really wanna go back there again now just to like meet the people and just to eat the food there


ya save money go back there [ah] it's easy [ah]


investment strategies, and let's talk about the first one lah, ya, investing is like gambling for smart people you know my friend lost like four hundred dollars on the first day he want to invest oh my god ya


what about you


but sometimes you can lose out on investments you know, ya gambling is kind of like short term short term quick cash, compared to investing mean for investing you


can hold investment and wait for like around like ten years before collecting its benefits something like that , ya but now there's a lot of like uh applications and like companies that can help with uh investments ah like uh like etoro for example


, ya


ya, I think it's just same in a way uh it's like uh unpredictable sometimes where the the market and the stock prices can just fluctuate and then you'll suddenly lose money in the way it is similar to gambling ah cause it's uh let's say some form uh luck and unpredictability in uh investing and gambling


, ya (mmhmm), ,


oh !oops!, ya


really oh my god I know million dollars is not enough definitely not enough maybe like in the past, like maybe like twenty years ago or nineteen nineteen eighties I think nineties this type of money will be enough


but nowadays it's really not enough, it really buy like two cars and that's about it we buy a house and the car and then we left with like hundred thousand dollars, live with your parents why house, uh


investing it just means it means making more money with my money, , I think some people invest for like their retirement savings and stuff like that ya


uh mean I would invest of I'll be more into investing if uh, I was like trying to start my own business and stuff ya then I would probably do more into investing like so I think I investing for for people who want to start their businesses


and people trying to save up for their retirement stuff like that ah,


ya I think it's the thing it's hard for them to get into it lah you know it's a bit complicated ah I was reading on it just now, ya, I mean I was considering doing investment but I don't have the money for it considering


ya I'm going to go there and invest some after this recording, I don't know it seems really complicated to me no I haven't taken principal of POA also so you know,


, would you do uh financial advisor if you are going to invest or would you do it yourself


uh I don't know I would maybe I will like slowly learn from my experiences and then up knowledge and experience then I will invest myself I I don't think I will go for a advisor straight away you know, uh


ya but like if you pick a bad one right money fly kite eh


ya, , ya


oh ya


, not really sure I haven't really been looking at uh the stock market ah or economy but I think US economy is pretty bad now due to the virus


ya, someday ah not today ah uh, ya


investing oh ya just read up for past one hour just reading on investing, uh saw dollar cost averaging and some other investment methods, , think dollar cost averaging is, the best investment method I think my opinion


because, it's like it's low risk and requires very little monitoring from you also, so you just take out from your salary every month and invest


and there's also like stuff like risk appetite and other factors to consider when you are doing investment lah, , uh I think I have an insurance from AIA I think


I'm not sure my father's in debt I'm not sure if insurance is still there but I think it's still there


I will never get a car travel overseas probably not I will get a health insurance that is important I fall a sick pretty often so ya


(uh huh), insurance


really I don't think you have enough for yourself if you spend twenty percent of your three thousand dollars on insurance, , I will spend ten percent on insurance, I only be getting health insurance no other insurances


getting a car is way too expensive it will take you like, if you are doing like average job it will take you around like I don't know ten ten twenty years around that kind of time span, unless you strike the lottery ah or you get a really high paying job


ya, ya but that's not possible, it's not


(mmhmm), twenty percent is a lot eh it's a lot,


ya, I don't think you ever live to be able to take out your CPF, uh you won't live long enough to actually use your CPF or your or no as in you won't live long enough for you to enjoy your CPF is all I'm trying to say


, uh


I think COVID I think COVID government is covering COVID I think ya government should be covering for COVID, your your CPF doesn't exist and mine also doesn't exists there's no where can take your parents CPF for it


, uh how about let's talk about how would you recommend a student with little cash at hand to plan an investment journey, can you advise ah anyway cause we haven't done investment at all


would you tell them to get uh maybe a financial advisor straight away at the start before they start investing, ya, maybe we should (uh huh)


ya uh, I will get them to plan their investment portfolio and see what they are actually planning for like if they want to start their own business then they should like long term investment, or maybe if they want like quick cash you know your three years investing for three years the stock market


ya, I think you should go for long term investment lah since if little cash because you take a high risk investment at the straight away at the start, he might go into he might go into go into debt straight away


bitcoins oh bitcoins ah, that's so that risk is so high if that if bitcoin crash your savings also crash but,


oh ya, I think I would invest all my money on bitcoins


mean there's other crypto currency ah but those are not as prominent as bitcoin, like bit connect, , the I think they took so much money and just ran away with the money nobody heard from them ever again


I don't think it is, no you should I I don't think it's the economy, this is what I think


!wow! ya, , not really sure about this part I don't economy lah and I hardly look at the stock market ah I mean the only time I went to look was when my friend lost all his money but


that's beside the point, economy think economy if we just describe in general like the economy is not doing well now and stuff cause of COVID that's as far as as much as I know about the economy,


uh I think I think it's a single insurance provider, ya ya, ya don't have anything else


government , not really sure there's like government like government insurance ya , but you know they always give out of those uh health insurance in schools like they tell you like if you break


if you lose your pinky finger then they give you like, five thousand dollars or then if you die in school it's about thirty thousand twenty thousand dollars if you die in school , twenty thousand dollars if you die in school, ya


which one which one, what's your provider whose you insurance provider AIA everybody uses AIA I think I don't know, really what other insurance companies are there


I only know of AIA honestly I only ever gotten letters from AIA where NTUC also gives out insurance I guess, ya


[orh] do I have a habit of do you have a habit of saving, no ah you spend I can get a hundred dollars in like one week and at the end of the week I will be left is like twenty dollars I wonder what happened to my money,


oh what what is one one financial advice you will give to myself ten years five years ago oh my god I will stop, spending money on all those in game skins man, I said I my steam account is worth three thousand three thousand SGD I think or two thousand SGD and my league account I have no idea how much money I've spend I would of save so much money if I just didn’t spend so much money on games and stuff


!wah! thinking about it means regret lah, amazon no there's there's those like you know those skins in CS go ah like like no like no for real for real like in in two thousand ten right there was this skin that was twenty dollars and now the price is around like three hundred dollars for this one skin


no that's not CSS that was uh CS go it was it was twenty dollars that time like before I started playing then when I went with the price tag last year it was like sitting at two hundred dollars


you can sell that on like carousell and some people actually buy you are profits so much from it, ya, but and my friend also invested again in skins like currently invested he bought uh three hundred dollars skin


the price is really increasing now


no like you would use it no you use it to make money you know like for the people who want to buy it's actually going off I think it's a decent way of making money for my friend he predict like the of all the skins


then he would buy them invest like he bought, ya he no he bought ten that time there were like fourteen dollars each he bought ten of them, then the price rose to thirty dollars I think he profited quite a lot leh, uh stuff like that ah I don't really think it's about like for some people will just think about investing in skins like it's more it's more of investment thing now I I feel for and for my friend at least


ya, and just sell just sell them, is is sell like sell for like three cents each ah the price is not going to go up


, ya I also bought, it's, its investment for


ya and that's about it for this topic or do you have something else


have a goal oh I only have a goal to save when like I have something I want to get you know like other than that


I'm pretty prone to like spending I guess without thinking it through like when I buy clothes I can take like ten minutes to get the clothes but when I buy things for my games ah it just takes one minute for me to look at it I'm just buy it, probably probably what about you


that's just called you don't save then but do you ever save for something you want basically


like, I to book for that one should start saving soon then, ya okay that's about it


negative experience okay kind of person I hate the most that's you want to start with uh those who are too full of themselves I guess like you know some people they just get so arrogant


I just really cannot stand it this kind of people like okay got some people that cannot admit to their own mistakes, and constantly blame others for what's going on those are the kind of people I really hate the most , ya basically


I just cannot deal with this kind of people like I really really dislike them and those uh manipulative deceptive kind of people like those those two face kind lah you know some I know everyone is a bit two faced


but those people that don't bother to hide it right are those like I really dislike the most, oh and those uh social climbers as well you know, I'm ya


those ya ya, ya but sometimes it just gets too much you know sometimes it's just too much , ya ya so what about you


, hypocrites oh ya ya ya


okay everybody's a bit of a hypocrite but, (mmhmm)


[orh] oh ya hyprocrites okay everybody's but those that really as like what I said those blatant hypocrites are those those ones I dislike most like they tell you do one thing then they go do another thing then you're like


ya uh okay what do you often worry about


this kind of things, I don't know (uh huh)


everybody dies at some point I guess, oh ya see that's the best scenario ah okay for me would be my health basically I have this lump on my neck that's been there for like nine months now okay it's not growing or anything


like it's just there it's and it's like moves around not moves around I can push around and stuff I'm not really I'm not really sure what's what's uh the thing is, I've been worrying for the past nine months but I haven't gone to see doctor I'm sure I'm fine I've been for nine months lah, and then I guess my health well mostly my health I guess like no like I said fall a sick pretty easily also like I don't want wake up and have another like illness I guess some of things


know shit like oh my god ah, okay take over it uh stuff like uh, cancer and stuff like those are pretty out of nowhere this kind of things like you can a person can be in a pink of health and suddenly one day they collapse and go to the doctor and doctor's like you have you have stage four cancer you know


or I mean my father my father got diagnosed got diagnosed also you know out of nowhere okay not not out of nowhere I guess since he's been smoking a lot, eating a lot of instant noodle every night


then uh, what more what I more concern is that I didn't feel sympathy for him like I don't feel I don't feel I care enough


I'm interested in you know not suffering you know uh not suffering, ya ya, okay if I were to die I rather just die in my sleep and that's the end of it you know like you know you get ya as in you get cancer then you need to chemotherapy for I don't know how long just to keep yourself alive then in the end it doesn't work out for you also and then you still die after suffering for so long then you like what's the point


ya this kind of things are things I'm scared of ya, anyone I hate ah I'm not a very spiteful person eh ya okay I I don't show my emotions that much


like don't express it a lot but for people I hate uh I've gotten revenge in forehead already there's nothing going on with that now, because my my mother I guess or my father, I'm not sure if saying this but they con a lot of money out of my grandaunt which I'm pretty close to since young


she lost like two hundred thousand dollars maybe to them, and ya and two hundred thousand dollars is lot you know, and for for and the best part is they are not working also and they still my father still try to con money out of them


in the past, and obviously hearing that I will be I was pretty I was pretty fed up ah with them, you got bullied


I didn't I didn't get bullied bullied that did you get like bullied bullied as in they picked on you and stuff like maybe ostracise you, [orh] that same


ostracise for being I got ostracise for being smart I okay I was in primary four right and my results were like insane super good I got into the best class in primary school, okay I only had one friend from the same class as me everybody else either high SES right or super smart we see all super smart except me ah


uh then they like look down on you lah you know just don't include you in uh conversations then when the teacher put you in their group right do they got like they start talking like why why the why the cher do this kind of groups sia like you know this kind of things


like it's not like okay there was like people who are weird in my class and me just not being smart, you know, like the way once they they will just blatantly show their like blatantly show they don't like you ah


ya, !wow! really what what would you do to them


oh I see okay I said a like two two words I shouldn't have, said during this interview get it it's just that I use a lot of vulgarities in my daily language so you know just slips out sometimes


I use way too much vulgarities ah like at the start you use vulgarities and like oh it's okay I was like oh I shouldn't have said that then the more you say it then the lesser impact it has then the more you will start saying it


just something like that ah okay uh what popular foods do you dislike just a not so serious one,


what do you mean rich people food like, like oh oh ya, they they pay like ninety dollars when it's so small


then I then I think I pay I can pay like, one dollar I can get instant noodles instant cup noodles and it seem more serving than the one they got for ninety dollars, I wish I only hate that I guess popular foods I had


shark's fin soup I don't wanna like go say this but I want to have shark fin soup you know it's been so long like I just want to taste it again know I don't think it tasted that good and the only time I tasted it right was at weddings you know


and that and they always serve shark's fin soup I know it's bad for the animals you know they cut off the fin they throw the animal into the ocean and just dies from bleeding out they don't even use the rest of the parts they kill the shark, just take the fin they don't even like if you take for the like eat the parts anymore kill the kill the animal and use all the parts you know don't waste don't waste the parts if not you a bit waste you know what uh for the animal


but food I dislike not really sure you dislike shark fin soup just cause of the them killing the sharks and throwing them right in the ocean you hate how it it's weird ya it taste a bit gooey, uh no I I want to taste it again just for like just to just to remember what it tasted like cause it's been ten years I think


no one's getting married in my family so you know a bit hard to get shark fin soup because serve shark fin soup, they probably ban shark fin soup by the time I reach there you know, first I will avenge shark fin's soup it makes me cry I very very rarely cry very rarely the only time I cry is when I shed crocodile tears in front of my mother


and ya I guess that's I won't say I cried more like tearing up uh like crocodile tears but that's about it only time I cried cried was like in primary school, then you know my <mandarin>听写:ting xie</mandarin> you know everytime zero out of hundred maybe no maybe I ten out of give chance ah twenty out of hundred


then I go to my parents like okay I never show my parents yet then always no signature then after that my teacher call my parent, obviously cry ah you know like that then also my I did english MCQ in class and somehow my math teacher had a problem with it the class hasn't even started it was six AM in the morning I was in class like not six uh six AM more like seven you know


class hasn't start haven't sing national anthem then he see me doing english he get fed up , and call my parents then another cry again lor like that, some of the things what about you


you cry over sad movies, I'm not really sure maybe I'll okay I'll feel it in my heart but I won't cry what about it, oh


oh no you know like you know like when avengers endgame like tony stark died whole theater was like crying my friend cried you know like my friend cried in the theater ya fun made fun of him after that, ya he cried then sad ah everyone a lot of people cried lah honestly


over that what what TV shows do you cry over though I'm curious, uh I see


oh really and they cried okay let's talk about something else, , have you ever been looked down on by people in your life


more time more times than I can remember I guess, secondary school, primary school primary school is what where it mostly happens I guess primary five primary six likewise you just now people just don't look like just cause you are not


like on their level right then they just, it's kind of the same thing right right I heard I'm kind of thinking of the same thing like I I look down on like you know those, NT NA you know like I got NT and NA friends ah but


like, you know you don't see them like uh as as the same level as you're on you know things like that, I think it's still pretty it's still pretty prominent I guess


, ya is more is more of just it's just jokes you know, with them but they might not see that way ah I will I also will never know I guess


I don't think most of them see that way it's just that we see that way and we we do it as a joke but then they take it on the other side, like they take it another way, like ya it will it will be pretty discouraging though like honestly now that I think about it


like know if I if I was like NT and NA then those express people will always like look at you in like a different way, you know it's like that, then look down upon other what if there are other instances I don't really think so it's just mostly it's just mostly happen in primary school just being not as smart as the people there or as rich as them


I guess, do you have anything else, really angry then like what I said lor the


oh you know sometimes people make those really annoying noises like like okay you are sixteen right okay, shouldn't be so childish then I was eating noodles okay this guy keep making the sound I told him to stop right he don't want to stop


after like two minutes I give up I just, I I uh I kick him out of I just the call and I remove all the mutual calls he he was inside of also with me I basically exclude him from


his own clique ah basically after that from his own clique of friends, !wah! thank god for him though poly was nearby he he he had a chance to make new friends, why ah how about you then


oh, two years is still not that bad ah I guess


what did he lie to you about like something really serious or [orh]


[orh] that can be pretty like know those people those people that sneak on you you know this kind of thing, ya I never had that happen before I guess, but I'm scared of it happening though


because I did to people also you know, it no I'm the one that does it to people okay I know we said uh ya basically and uh furious


I think already catch up to me already and my parents also they make me really furious like all the debt and everything you know keep borrowing money loan sharks came to my house one time, then stuff like that you know


then like my aunt keep helping him and helping and helping him but he keep borrowing and borrowing borrowing nothing changes that can be pretty like agitating, sometimes I think about it , ya believe in when I was younger


not really sure about that, uh, ya I'm honestly not sure I didn't really believe in anything I guess


like not really sure honestly believe ah ya I don't think I have any for that, how about, santa claus santa claus is just my parents buying me presents for someone tooth fairy you believe in the tooth fairy when you were younger


[orh] I guess that make sense but no nothing, uh can't say nothing what's, nope honestly I have nothing how about you go ahead


what do you have then, santa claus you believed in santa claus oh, when when did you when did you realise that it wasn't real


, that it took you that long okay, oh yes yes my bad my bad, uh


sacrifices I've made, I'm too young for that I don't think I've made any more like they made for me but I don't appreciate and I don't know why they do it, I guess sacrifices I've made ah


oh ya uh ya there is actually you know uh, uh like stuff like my computer and stuff like upgrading my computer getting allowance from my parents, sort of things