so that's why I wouldn't want an official cat but rather like attract a stray cat to my house just for the fun of it you know ya, and when she has to be the one taking care of it lah poo the poo the


ya, eh the furniture heart pain ah I I see my friend's house those with cats ah !wah! the cushion is decimated, but you can't, ya ya


ya ya, that's why I said the best for me I didn't never experience that I didn't have to all they just come they just come to like malay you called it manja right just to like have that that affection


yup yup, okay so for you what do you this is a very big question ah what do you love about life


for me I think I I I mean aside from the faith expect as muslims you know that life is a test etcetera


but for me I totally agree with like what you say that life is about people lah for me for me largely because I'm people oriented life for me is really about the people the social connections that you made because eh that


for me personally gives me meaning lah, like uh my family, my friends and generally meeting new people understanding new culture because you know I've been overseas right uh understanding new cultures having diverse mindsets and you know seeing how other people live their life learning from it experiencing it and just finding joy from


from being in the presence of others it's it's for me it's super meaningful lah ya because uh, ya ya because like uh I was listening to this guy was talking about uh don't don't aim


to be happy you shouldn't chase happiness but you should chase fulfilment because happiness is a fleeting emotion but when you feel fulfilment then it it it's a lasting, lasting uh in emotion with within yourself and I derived fulfilment from from people lah like even when when it comes to work I aside from the work that you do is also the people that you work with a positive environment creates positive outcome to lah for me ya so


yup, , , drive ah


and like your first part about life uh one thing is about growth as well ya, and one thing good is like like what you mentioned lah uh uh I mean lessons, in this environment also ah as a person you should never stop learning because life never stops giving lessons right like mentioned so that's that's interesting mindset to to always uh think about and uh it helps it helps in to to have a positive mindset ah to have a what do you call a growth mindset ya


ya, okay there's one question that I I I'm I I I like to answer is they they ask what describe a act no describe a moment when things turn out better than expected that for me there for me my my the the mode the


simplest answer was national service ah because you know I was from from NCC land so I was always okay okay I want to go into SAF I want to go into officer cadet school I want to be an officer you know time to, time to get it then when I got my posting letter SCDF oh man my my my heart literally shattered I was like


first is what is the SCDF right then I was like oh man my entire dreams of being an officer uh in in the SAF is is gone cause I was also thinking if an officer I might think of getting a err a scholarship to to to study somewhere


so that was all gone ya so then but the thing is when I went into SCDF the things that I do again like I said fulfilment lah, helping people ah doing uh work for the community itself it's uh it's it's very uh fulfilling lah for me so it's it's a good uh a good story of how things turn out better than expected but exactly


exactly, ya a lot of interesting character ya, but but what about yourself like have you ever had that experience with things turn out better than expected


ya cyber security is a really good industry to be in right now everything is going digital right


finance, okay good afternoon Zaf uh such a cool weather I really need take a nap


yup, what what do you have here, yup, how do I have a habit of saving


I do monthly I save so if let's say now I'm not earning but every time during my holidays or in my summer vacations uh when I work uh, passively when I earn a passive income I try to save a certain amount of it so maybe about thirty percent to fifty percent I try my best to save fifty percent on my savings that's my habit every single time and fifty percent ah from expenditures so even from expenditures I planned expenditures so maybe


about ten percent of the remaining will give my parents and the rest is for transport and the rest is for food and you know for us who only hangs out on friday night so I set a certain amount of budget budget for it so at that the meh ah so so that's how I plan my savings in general how about how about you


yes, yes I always make it a point to have a framework in my head, on on the amount of money that I save, so ya so


yes yes, latest, there's there's a lot there's the other I heard there was thirty percent savings uh fifty percent uh expenditure have uh what about the twenty percent of for some for investments


so but they they do they did a projection so if you save fifty percent of your income every month assuming you're earning about four thousand by the time you turn uh five years time you're able to save, about at most a few hundred thousand dollars if you to do a small projection


ya so, yes yes, what's your priorities change ya


uh that's true that's true cause I think when you grow older your priorities change, but as long as we save a certain amount of it I think that is fine so


yes saving


ya it true, ya it just just think you are you are diversifying your portfolio also right when it comes to investments maybe you can you can you can share more about that also


do do you feel a sense of pain wherever you have to spend a certain amount of your savings that you save cause I do,


ya ya, for something else ya ya


ya is is is one of the biggest safety nets in life like you never know when you really need, that insurance cause it comes to save you when you least expected it, or when you really need it so I think that's the that's the beauty of insurance, so if if there is one financial advice that you would give to you five years back how old were you five years back you were


uh twenty so, at that stage of your life five years ago what kind of advice would you give, oh yes, twenty one, <B> oh yes yes yes ya


what what kind of what kind of plans are you uh are you thinking of like would you recommend to your youngest siblings, sigh yup


yes it's it's it's force ya,


yup the the tendency to splurge ya


ya and some who even lost their jobs never earn an income so I I think it it's a psychological thing personally for me the best advice that I will give to myself five years ago I was back in national service is actually to learn more about investment at a young age, so I believe that right now


that we are we are both of us are linked about investments so you are trying to explore but imagine if we learn about investment five years back and we become even more knowledgeable and we start earning some of the passive income I think we able to accumulate try ah ya I I didn't try that but, at at that age I think we are we are not really our our minds it's not really that I won't say mature but we are not really are able to absorb those kind of information cause our priorities changed ya your national service money so we are enjoying we are balling with national service money


but I think now that we are we are ah we are a bit older I think we are we're going to finish university we are we are mapping our long term goals our long term financial plans and in the case we get married we have kids and we'll take care of building our wealth so and we the only the thought your mind comes you know do we have enough money to do to do this to fulfil your priorities


and if we able to grow our money at young age there will be even better so I think that one of the advice I'll give my younger self is to learn more about investments definitely, yup so I think that's about it lah but you know how do you manage your financial commitments if let's say you want to get married before and after marry marriage


, I mind I mind, (mmhmm)


ya, , ya sure, , ya, yup both of us are


that's that's that's true ah for me it's uh almost similar as you, but I'll try to break down the expenses so when my sister got married the first thing that, I help in the when I was helping her with a uh preparations for the wedding I try to observe the expenses that she needs before the wedding


so you know setting up setting up setting up the uh the wedding stage or you know the guest the food how much money you need so I try to learn I try to ask uh I didn't ask her I ask my uh family uh those who help to contribute, so I've a frame in my mind so it helps me to budget before marriage or if not plan to get married so you know roughly about


at least ah practically about twenty thousand dollars the cheapest at least so that's how ya I mean food itself would cost more than ten thousand like depending how many depends how many you're feeding so if you're feeding a community service a volume of people you definitely more than at least sixteen thousand dollars so


I try to look lah I try to understand and then more importantly that I will say do I really need to have a lavish wedding, wearing a big wedding or can I just have simple, in our humble under the under the deck for it deck wedding I think the I mean it's it's not as cheap as people make out today but it's it's still very expensive


ah it still has the is still relatively cheaper so those are the kind of things that I'll tend to look out for after after marriage for me what I will do is you know I have my own I I accidentally created another bank account from Standard Chartered then I realised I didn't have to use it


the just the jump started account then I realised oh no I didn't I I I actually I didn't didn't have to use it so you know I on my side I don't I don't ya so I, for twenty six and below so I don't have, I put money so I just put simple two hundred dollars in there


so like, so like interest lah so it is probably know probably I'll just use it any maybe, it probably be useful ten to twenty years down the road lah if I really if I have kids and it could be a kid's account so eh maybe if if I can transfer the name to them they'll be better also


so ya so that's that's some of the things that ah in terms of cars housing ah housing uh better be careful housing debts are are one of the most uh, problems that couples may face uh cars you can take public transport so always take the cheaper route out uh and I think we have we need to have a family financial goals also as a family


ya so spending what we need instead of what we want, and spending what we in you know what what we want when we really need it, that that's that's one of the most important thing yes, oh it dropped to how much uh one eh


no it dropped to one was from two to one I think, ah it was it was, ya recently, ya you were talking about the multiplier also right you were talking about the multiplier account that's like the OCBC right


ya it will be more, let's see err, I see yeah, I think, oh okay that is that is interesting ah


I think we it's good to have it, no just just in case, but in uh do we really need to use it , only for, things that you know you really could not afford now, but you're able to payback within a certain period of time that's when you really need a credit card you know for example maybe cars


possibly uh you know if want to , buy a car and you really need a car you know or or or a transport vehicle for yourself okay maybe if want to you can use a credit card to pay but make sure you plan out your your your instalments or how you want to payback if you map out your financial worlds over the next let's say


one ah ten seven years to re-payback I think that's that's fine I think that should be that should be alright uh yeah credit cards is a very , uh it's a very risky topic to talk about ya I I mean I I'll get a little bit scared when I think about it also what what do you think, yes


, yes that's true


ya that's true, yup yup


ya that's true ah I tend to be a bit more risk adverse, so financially, so I I mean credit card it's tempting so I know I'm the kind of where I I oh oh no if I have a credit card I won't stop but I think the idea of credit card now actually might be a good idea when you mentioned about krisflyer miles, so if you accumulate krisflyer miles and when this station is over you can you can use it I think you can accumulate quite a bit and you can get the travel bugs off


yeah, ya, that's true that's true


that's true okay, ah let's let's see what I think we can have time for one last question, err okay let's, , do I get any insurance ah


yes recently uh because I think uh I think our I think we just uh when we talk about it, a few months back we this became a really err central topic of our discussion is quite late for the past few months now what kind of insurance plan that you want to go ah do I believe it yeah I think it's it's an important financial safety net


for everyone you know because but it depends what you really need it for, so for me my financial plans might include you know , hospitalisation accidents uh not really accidents hospitalisation death critical illness these three uh are probably one the more central ones that I need because for my family history and I realised that insurance do help if you're paying the bills if you really had to cover the bills they do play a huge role so


it's it's important but you need to identify which area of it you really need, like you don't really need all of it also so what what what what do you feel about it, what your what your thoughts


ah, ya


ya I agree


ya true true


(hmm) okay uh personally for me ah I did one with AIA recently uh so so I have a common a financial advisory with another one for friends uh I think the concept of insurance is good, you know the idea of you know having a financial net to save you from all those huge cost that you know might end up taking up all your savings ah there's actually a very interesting concept


but what makes it complicated is a different types of plans out there and you and there's too many of them that you do not know which one suits you and when you choose one, you didn't realise that there's a better one there and you and there's a lot of hidden conditions when it comes to this insurance terms I think we talk we talk about uh the changes to critical illness uh policy also you know and all of us were in a rush to quickly have our own insurance plans so I think and and because of that short time frame and I I cause you will you weren't educated early enough about this


you were in a rush to look through this various plans and only then we realised that, oh no there's too many insurance plans we do not know which one really suits us so for me I went with the one that you know uh me and my friend went with it was my fault I didn't really look through it really really in detail although I know what I'm been covered but I didn't know that


when we when I talk to you when I talk to our other friends you know they're going through other plans also you know and their their own endowment plans and I think you know I came to think about it like oh I should have went with that, but I think ya I should have went with that I think I think that's the down the downside of insurance lah that's too many if they could come to agreement that will be better but you know that's in an ideal world lah for me so it's it's


that's true yup, okay stop


negative experience, uh okay on the more solemn note


okay err Zaf ah out of this, ah questions let me start with what always brings tears of sorrows to your eyes tears of sorrows with to your eyes, what makes you sad all the time


ya true true, uh it's it's alright it's okay a bit, a bit for me ah I think you know me very very well what happened the past few years, recently ah not recently about two years ago my my mum was diagnosed with cancer


so it was always the most uh difficult thing for me to uh talk about ah it's been the most harrowing journey, a lot of , worries, sorrows it's been ah, tough, ah especially because you know you


it's a very big, cancer is a very, it's one of the most uncertain things that you ever know, cause we don't know whether you know how much they will never you don't know how they will act you know some people may go after a few months, some people may go after more than thirty years


and some people cause it's the scariest thing is you don't know how long, you know you have, you know and you will never know how, much time you have to spend, ah especially, uh oh my gosh okay I'm sorry I'm sorry ya but but it's it's ya


so yeah just last week, no , ah my mother was she find out that the twins has went out, ah he has been really difficult you know it's a way of difficult thing to take and for me ah I was like you you know you know I used not to be okay for me I was I'm not a really sensitive person ah for the past few years you know I'm normally I'm a very happy go lucky guy but ever since this happened you know I've


find myself very very sensitive you know I cried more than I had for the past ten years combined, you know I never thought that I would you know cry so much, because like what you said it's your parents you know it's so close to your heart, and you know you imagine like what's life after without them


you know you have to plan a lot of things, and you know you have so many things that you want to show them you know when when ah let's say you want to get married, you know what if cannot there ya, so cause ah it's their dreams you know it's it's it's their dreams to see you happy but ya I think that one of the most ah


ya it's always bring tears to my eyes but, ya but at the end of the day as I said lah you know things happen for a reason, things will always work out , and I've always told myself not to be so uh negative for the time, you know cause you know nothing in this world is certain


like even though it works out you don't know what will happen, you know there's a lot of medical breakthroughs recently, so you're hoping on that one small hope that will ah eventually, you know make things you know a miracle that could happen so we are always think of to that but on a practical level we should be prepared also


ya cause you know you always get bad news ah every single time you see the doctor you know I get afraid when I go to the doctor on and on I always get very scared of it ah it's it's one of the most scariest things that could happen, ya so and I pray that you know none of my friends will uh go through what I went through


cause it's a difficult thing to go to, !aiya! so, ya so I will never want my friends to go through anyone I know that will uh, I will coach a bit lah cause it's not easy ya, which is why I said earlier you know number one get insurance


cause it helps if people it lessen your emotional, but then, ya so I think that is one of the most ah ya the most difficult thing ever, ya so, but you know I'm glad that we have friends like you guys, ah for support all the time ya but I hope that


nah I took care yeah, ya


you will be better you will definitely, okay , okay on a more slightly less solemn note, okay, one thing ya ya


, true


that's true, ya it's that's true, ya


, ya ya I remember that


ya, ya ya, and you're going through puberty at that time also so your emotions ah ah


ya ya I remembered that


I agree I agree


it's not easy, but I think you did the right thing in apologising bro that's what I think ya even though it's all done you still think about it, but I think he's he's hopefully that I mean he's in a better place, ya but you know I think we sees ah as his friends you know all the way to his last breath and we ever play football together with him we in the same club as


ya were in the same team last year, ya you went to Liverpool game with him also, eh ya ya ya our last memory till then I think that was the only time I managed to go and spent time with him also the one and only time, but it was such a such a nice chap lah he was one of the most nicest job chap lah but and I think he passed away on that day of


A level results right ya ah, ya I think was from the A A levels results and I think, it hits his parents hard lah the most, ya because I think it's his mom was sharing that, his dad also left is it, I think is there it is that left


and the brother one year (ppc) one year ago the brother had a similar accidents to him, but the but I had a hit and run one but the the brother survive, exactly one year on he had the same thing but he he didn't make it, ya so but I think that you know no as muslims we believe that if you die at young age it's better because you don't have much since in this world


so in a in a in a way that you know and he he he did well for himself I've failed I think he did, he's an amazing person lah, ya !oops!, the moments of regret


ya I I definitely I do but I tried to recall, err, oh ah I think recently ah I think this was happened about few months back, so my my sister got pregnant, ah so my sister was pregnant so uh initially uh and I had this huge argument so when my sister got married uh she she was in this ah she lives she stay with us with my brother-in-law


ya while waiting for a house to, for a house to get ready, so we had a big big argument, uh where this huge argument I I haven't forgot what is it about but I told her that you know no matter what, you're just a guest in this house and I told her that you know


ya I don't care if you're if you're pregnant you're just a guest in this house you're no longer part of this house you have your own house, no you should behave like a guest I told her that, and you know I I regretted it, like I was I was in the heat of the moment I told her that you don't belong here you know


know err so I think that was one of things that I regretted the most cause number one she's pregnant , no and I will never thought that I would say this kind of things to a pregnant lady, so I even I was disappointed in myself I was beating myself up senseless like I shouldn't have say this kind of things, ya so and I and I said it in front of my buddy ah my buddy you know such a nice person so he he doesn't scold me back you know as much as I can tell that he's very hurt


but uh no he I think he feels it that also ya but I didn't I didn't have anything against him but indirectly you felt the he felt the hurt also he felt the heat, ya so I think that's one of the things that I regretted the most and I apologise to them instantly, uh not not instantly lah but like few days later


because it was there was awkward tension there cause we're so heated up in the moment, ya and I think I think that's one of the things that, I wish I could change is I didn't know I had reached that type of anger, ya and I I never so I think it's my anger is such a it's a human emotions ya it's natural human emotion but how much you are able to control it it's a skill


no it's alright ya so I think and it comes to maturity also, ya I mean and you realised that some things are not worth the anger, some relationships are not worth the anger so, so it's either you walk away from a potential tough situation, ya so and then I but eh at every angle every every regrettable situation comes a life lesson it bring along lah


along the way that you won't do it again, ya so, on a more lighten note, what about let's talk about relationships and friendships you know like can you describe a time when you ended a friendship or relationship, with someone and why


I have plenty I have plenty okay uh uh personally for me is you know you know the story of how I met a girl in ah in London, yes so I met a girl in London she's singaporean, and you know we spend a lot of time in London


and when I told you guys about it the first thing you guys said is a big no no she's a red flag, she's the biggest red flag and at that at that time I was I wasn't really I was you know I'll say I was infatuated, so I wasn't able to see this red flags uh


but you know or only when I, realised that I got, ah I got ghosted or you know like I got left on you know, and I and I and you guys told me and I I I and I told you guys about it you guys were you know said I told you so you guys told me reminded me again


so when she came back ah few years later one or two years later you know I decided not to, you know pursue her anymore so ever she she try talk to me I didn't really, so I pushed away and I and I ended thing with her cause I realised that you know she is a toxic person ah


and it's oh I'll say it's okay to be toxic but you know what toxic comes with a bit of maturity ah ya so it comes with a bit of immaturity, ah but I think as we grow older than you realise that ah, this kind of, our friendships are not worth it lah, so so what what


do you think of how about you do you you can think of anything, ya definite


ya ya he totally changed three sixty and he tried to dupe us a lot of times and I still, and he was so disappointed in him, ya ya because I I, oh ya


ya, and and he tried to leverage us with it, so he tried to use money to make us you know, you know how I'm I'm I'm glitch and I'm your friend so I can help you do the same, so I think that was quite I think it was very disappointing and then he reached out to me again


and you know as much as you know you are in a situation where you know should we be mean but he's our friend or should we just ignore him which is even worse so there is a moral dilemma then, at there, it's so fake I I'm I'm so disappointed, ya


what kind of person do I hate about how how about you go first


ya you know, ya ya and and it's it's quite it's quite ya I agree with you you know this this kind of people that


uh you label it as fake I'll label it as arrogant, I I there's one thing that I cannot stand you know arrogance if you're arrogant, but you know if you are arrogant and there's a few types of arrogance in this world you know arrogance the good types of arrogance is a confidence that arrogance at the type of confidence that you believe in your abilities so did now like you know that you can do well so that kind of arrogance am but


there are people who are arrogant, you know they will just that you shit oh I'm good at this I know I'm good at is let me handle this I know, so that kind of arrogant is fine you know but the the other type of again is when no you look down on others actually that you can't do this like me I'm much better than you like the ones that you said you know the ones you look down on this kind of people


this ya belittling ya belittling and it's condescending people is arrogant that I I I do not like at all so I believe that's why for me you know I try to practise you know humility at all times, you know I just to be humble wherever we are you know wherever we're going up uh like especially when you're starting on a careers you know going up a corporate ladder and I think mentioned earlier about forming networks


so once you form a network I I you don't I I do not want to break a network also, no so we just keep establishing a network and buildings like a spider web you know you build you don't cut off the spiderweb one of those spiderweb is finished, ya so I think I think ya so I think that's


arrogance will definitely play a part whatever destroy the spider web of networks that you have, because you never know when you go down who you meet also I think that the face that we are we are much more familiar with, ya so I think both of us can can I think cause both of us are of similar insight in in this way also you know what thinking


yes our principles uh are are almost are almost similar, ah but ya the way we expect it's a bit different lah, ya say how, okay with thirty seconds left, uh what can we can we do


ah, ya okay as any sort of popular foods you dislike, you don't like Matcha, no no


no no no no no uh so what do I dislike okay I hate uh clams clams uh clams cockles, ya those very bad seafood ya there's the endings of done, ya oh my god westin you should put it at the start should end with positive


(mm) ya (ppl), [oh] that's you yeah that that's, shall we stop (ppo)


positive experience, ah okay, on to our next topic Zaf, so ya uh but ya a bit more casual chat here


okay so I think the idea is to, yes seven years


don't know , ya, okay okay


from our younger days from my younger days okay no let's let's split by a good, let's let's split by our age lah so let's let's talk about primary school days, memorable is my primary school days, oh !wow! uh


nothing much to I just remember playing under the void deck most of the time, and I and I broke a a fellows window, uh a car the car window that's that's about it that was quite memorable but you know, that's, it was quite funny that was like quite funny they were like oh cause you were young and and you know when you broke it you know it were like oh no


but we laugh about it and we just run everyone just run and you know uh uh until today I mean it's it's I mean the car was I mean you were playing somewhere in the west and I stay in the east so uh I don't I hope I hope that guy doesn't know who I am, unless this guys just you public television ah that oh no


, then ya ya !wah! sekali westin sekali westin's car westin ya but I remember as eh one of the things that we had we we always play football together when you uh think uh our JC days as we go out


we played at victoria school once, there was this funny moment when we play at victoria school I think you will think you were with me and I think it was you, that kick the ball to a tree, ah at the victoria


ya you know what happened next, ya the bee one, , the the bee attack, and I remember everyone was running first and I didn't know what's happening so I was the last one left in the field, then I think you point out to me to look at the back there was this big black swarm of bees


and I was running I was swearing at you that I'm going to get you, yup you were laughing at me I was running, but uh yeah that's a a quiet a yeah and and you whopping my butt in, in football !wow!, it was okay how about how about how about you what's your most memorable moments


eh I think when you were younger also you were a bit less self conscious also you were not as self-conscious as you are now, yes and less judgemental,


ya that that that creeps in


, like in a fairy tale movie


all look quirky, different types of quirks ah, boys will be boys I I don't think we've changed much also, ya I ah


ya and actually like we don't really I don't feel nice if we cut off people from our lives unless we have to, but you know as much as you know those who play a huge role in our lives you know and ever we face a conflict ya we try to resolve it amicably no we don't really back bite to other people and elates to other person that's not really nice


so I mean as long as cause we are friends for so long so whatever quirks that we have you know we'll be able to comfortably enough to tell each other lah you know like like like remember yesterday you told me you know I I was I was sometimes I was too beta for my own good and that make sense ya that that that makes sense I'm I'm very bad I'm a very beta boy BD ya eh you're very alpha


you know yeah uh uh I saw how you read you read you read the part often , ya ya and and, chill chill chill I, but I think I think ah for all of us definitely lah we we would


for, but you know how about how about yup, yup mine is fighter power


I don't hear your sound, ya, yup okay can uh okay okay like that


I have, I have a history of pets I don't have pets and with history of pets so history, no it's it's since sec one bro, since one had a love bird


I started with a love bird so this love but the thing about love birds right is the only get attached to one person, at most two, then the rest they will just they will do either don't like you or they will bite you so they only find one person or two person that they will really love and they will get so attached to you and they will give you food so they will regurgitate food out of their mouths


and it comes up in a vomit form and they will give you in your in your hand so that's a sign that they will like you so that's what lovebirds show their affection and it was only attached to me and my dad, ya so it was it was always been with me since I was sec one to, you know primary school to two I think it flew away cause my sister open the cage


and, and they didn't love you that much and it was quite funny cause I found it at the park so we search and I called him back, so he he flew back to my arms like he free flew back and we went out back together, and two years later it it flew away for good and we never find him since


that was my first pet, !wow! okay there was, primary five to sec two, then I had a string of this this called a cockatiel ah it's like cockatoos but it's like a miniature version of it, so so we have a history of two so we are very attached to them cause they are very docile


so they don't really fly on so much but they will sing to you, so ever they see you they will sing to you like they will learn a lot of songs so one of my first cockatiel it he knows how to sing star wars, ya so he knew how to he knows how to sing, you know if you have happy and you know you clap your hands even does that the clapping hands out


yeah for them to hear so we play a sound and they will learn and then they will follow so ever they will hear you or ever they recognise your presence they will sing to you that song, so so that's how so and sometimes they don't fly so people always like you keep birds they will okay mine did fly lah the first one


but but this kind of birds once you let them out you know it they will just follow they don't fly around they just like waddle, and follow wherever you go, ya so so so that's then I just recently I got a pet conure and my dad likes Lohan apparent this Lohan is quite, ya it's Lohan fish


but this Lohan is a very smart fish, so he will ever he sees you will get excited, so it will just follow wherever you go in his tank, it will just follow you they always ask for food so that's that's that's, ah I still have birds lah there's one conure also quite quite smart one ya but I think that that I think birds are very underrated pets should keep one should


ya ya, uh birds are like that lah like that ya, ya that there


ya they are they are quite affectionate how about how about you do you have any pets ya I've never heard you have any pets before, I never know that you had any pets I don't think you had any pets before, official pets


oh yes henry told me that, this was in your condo right now you are at you are at your HDB ah ya is your condo this ah


will will you keep a pet in the future, see if he get rid of family


what what if your partner wants a pet, so badly will you give in, , but I think a lot of cats are are are train toilet train but it's just the furniture part you can't really stop it and I used inside inside


ya they are just so fast yeah I think there's there's there's the part of a pet, but I love cats though uh ya, but their poo is one kind of smell this, ya (mmhmm) oh like uh the ya ya ya


the affection then they'll just go away, ya share with stray cat ya oh oh, what do I love about life, (hmm) !wah! that's a very very general question what I love about life it's it teaches you a lot of things


uh it really really does so it gives you a lot of room for growth, ah even when you don't realise it and it life is about when you notice that things didn't go what didn't go initially as you planned, but over time you realise that what you do work out so that's one thing that I like at the end of the day the beauty of life is eventually it works out for the better if you work hard and if you believe in yourself that's one of the I think that I love about uh I love about life and I think number one the beauty of life also is in its people ah so you have a choice of the people that you want to be with


so you know it life doesn't determine you know, oh your man I mean okay it does lah it actually but you have your choice on who do you want to be with who do you want to stick to you have a choice to drop the people that don't matter to you so I think your life allows you to access your options you know in the people who do you feel will help you develop yourself


and life also uh helps you to see that this kind of peoples are may not be the kind of people that you want to be with you know or who you are able to click way for you're able to guide you to be a better person so I think at the end of the day this accumulated thing will help you to elevate yourself to be a better person


I think life is full of options and you know if you believe in fate, and if you believe in having option these two are little bit of paradox but it'll eventually at the end of the day it it works out for for the best for you lah eventually I believe that things really do work out for you so so what so your what do you think what what do you what do you feel about it


what it


ya you're you're very extroverted


ya uh I'm glad you mentioned the word fulfilment because you know people usually mixed up the word fulfilment with contentment, and I think contentment is a more dangerous not see dangerous lah but fulfilment it's a better thing to achieve contentment is when you are happy with what you have which is good


but you're not pushing to be better, fulfilment is your ya and you're mean and sincere, fulfilment is when you know you feel that you have you have achieved and you're part of what you have achieved, but at times you want to achieve more you want to fulfil a bit more but your your your feel like want to push yourself a bit more I think that's what fulfilment is contentment is a very dangerous pace to me I think fulfilment is a more healthier space for you to aim towards I agree with you on that


yes, that's true that's true


yup, ya I I agree okay


turn out better okay go go for it, yes, this a ya I remember you sharing that with me


ya ya, gone


oh ya oh ya,


ya, (hmm) ya, okay, and you met a diverse range of people also variety of personalities back in NS for you also especially for you and you share me the kind of people that you met I was like [orh] okay


interesting eh I think interesting are understatement for sure , okay I'm going to wrap result in one minute okay ah first first things up are my A levels so I didn't do well for A levels and I couldn't get to a local U for years


uh so I was quite in a stump so when I I entered so it was quite in a bad bad bad point in my life but I was boosted to cyber security back in national service, ya ah so that's where I I realised that you know this an opportunity for me to capitalised in spite of my results, so I took that opportunity to build up my portfolio so I learnt a lot from my cyber security skills I I get recommendation I get testimonials


and I I I did a few certifications also so I compiled them together I took SATs four times, so four freaking times I spent hundred of dollars and I eventually managed to on the last chance that I can able to accept to a university I got accepted to university


so and I realised that I chartered my career then I realised that you know this might my my leading path for the rest of my potential career lah to me in this line ah on cyber security, ya so and then is all about all about timing ya perfect


okay so uh I ride a motorcycle so I almost ride a motorcycle everyday for my transport whether it being to school or or work or anything I also uh do a part time food delivery job with my motorcycle


so I feel that uh having an insurance policy for my motorcycle is important lah ya, ah ya, ya motorcycle is my main form of transport whether it be like normal transportation and also my work lah I do a food delivery job


okay so currently I have a third party insurance policy at uh MSIG so for third party, uh insurance policy right what it cover let's say if I in the future I get into an accident and then it's my fault right let's say maybe I'm riding my motorcycle


and I accidentally uh hit a car or something and it's my fault so what happens is that uh the coverage of the, cost for the car and then let's say for the person's health right will be covered by my insurance company lah so I wouldn't have to fork out any of my own cash to pay the guy for his repairs or his uh medical


issues ah so this is what my policy covers I also have a commercial insurance that is uh coverage insurance policies for my food delivery job let say I'm transporting food from, one place to another place and then I get into an accident it it doesn't have to be an accident where there's another party involved it just has to be like let's say I'm riding and then I accidentally skid


or I fall right because of braking my insurance company will help me cover up my motorcycle repair cost and then my medical costs also yup


Deliveroo actually they used to have a insurance policy commercial insurance policy but uh they have stopped so I have to pay extra for my commercial insurance at my uh MSIG my current insurance holder ya


let's say if I'm I happened to be in an accident and then it's not my fault right


and then my company would help me uh get the claims like for vehicle repair and then my medical and then also like the days I have spent my uh days on medical leave ah


so they would pay me up like let's say I haven't been going to work for a few days because of a medical leave right and then they will help me claim that amount of money also


ah ya, okay so what does your comprehensive insurance policy cover


package


okay


okay, okay


ya, ah ya for most of the insurance company right uh let say a particular motorcycle only two uh two


people will be able to ride the motorcycle under the insurance lah, so the first rider will always be the owner of the vehicle and then the second rider who is called the sub rider he could be anyone he could be your friends or your family or anyone who's holding a valid license lah


, uh ya actually if I want to add an additional uh rider for my motorcycle I would have to, uh pay an additional fees it also depends on how old is the rider let's say the rider just got uh his license and then he's below the age of twenty one right it will be more expensive


but let's say the rider he has like experience and then uh is above the age of twenty one it could only costs up to like twenty four dollars just to add in the sub rider


, okay uh and then let's say for your car right for comprehensive uh insurance I've heard about it uh let's say in a case where your car gets into a fire or something and then is it still uh covered by your comprehensive insurance or


is it


wasn't clear enough


so like having a webcam is a always like an advantage for insurance claim because like for motorcycles usually since motorcycle are like


quite smaller and then their battery capacity is much more smaller right people don't tend to have a camera, and usually when you have like a camera installed in a motorcycle usually like uh the expenses they go really high lah just for the maintenance


so I even I have had like a uh, experience like that so it is when I was riding and then a taxi driver he uh hit me from the back, uh by right actually I felt that it's his fault but then he was still like arguing that uh it's my fault and then I jam brake and stuff but then in this case also we


both of the parties right we didn't have a camera so we were since the accident wasn't like really serious we had like a small talk lah we had a small talk and then, uh we both agreed to just like uh walk off and then take care of our own expenses since no one was like physically hurt right we thought like you know what uh we'll we'll both would take care of our own damages


uh so that's why I feel like insurance uh like having a webcam on your vehicle is really a important thing lah when it comes to like claim claim of a insurance, and then and then like for me I always like feel like uh I should have like a comprehension uh I mean the comprehensive


insurance policy also lah but then ah ya but the problem is right there's a lot of add ons you know so the cost they always like, so that's why I always like tend to stick to the third party I'm not really saying like the third party insurance policies are really good policy because it's just a basic


but then uh when it comes to like the cost of like offering a comprehensive right, is a lot more and then I'm a student and I'm working like a part time job so I earn like five hundred dollars every uh every month and then it adds up to like six thousand dollar per year


and then yearly I paid on three hundred fifty dollars for my insurance so it's like five point eight so out of my, yearly earning right five point eight percent of my expense goes to insurance, ya that's why I feel like you know the basic third party insurance just is just enough for me that's why I don't go for the comprehensive


but then I still feel that having a comprehensive especially for cars because cars I think if you get involved in like certain accidents right, it could really break your bank when it comes to repair and


ya the premium for car is also very high and then what do you think about having like a personal insurance like, like a partner to ya health insurance


okay for me I don't feel that having a insurance policy uh for our health or anything is really important lah because


I have had like a accident before I was involved in a uh motorcycle accident before and then when I was hospitalised I had to go for a nail bed like, like it's a surgery lah it's like a few hours and then at first I was like afraid that the cost would really go up like really go up and then you know we were actually me and my family and we were like struggling in like a financial


issues lah but then when I was admitted the staff was kind enough to tell me and explain to me about uh like the options that I could really pay for being in a hospital and then for the surgery also so me uh being a student I don't really have enough


of cash inside my CPF and my MediShield lah, MediSave I'm sorry so what they recommended is that I could uh I could use my father's MediSave account and then use it to


pay for my surgery so, okay uh sorry, can I pause for just a minute, oh, just give me a minute ah


ah yeah I just put my charger on, no no no need pass the ya just put my charger on okay I think can lah good to go, okay then ah ya so as I was saying right


so I was saying so after the surgery the bill actually came up to around three thousand plus which was a lot but then uh thanks to my father's MediSave right I got a,


uh there there was a lot of subsidy using his MediSave and then, ah ya so uh so from three thousand actually the medical expenses it came around to only two hundred dollars lah


and then I feel that, best option so I feel like if you have if I had like an extra like uh insurance form and other company or something right I I really don't feel like


uh the cost would have really went down or something lah for me two hundred dollars was really like an affordable amount so I felt like uh, having like just a normal CPF and MediSave is good enough


and then I feel if you really scared for life or maybe if you feel like you already have like a lot of health problems and then only I'll really recommend people to outsource another insurance lah for my outside companies


so that's like my experience in ya


okay, so like what do you usually like let's say you want to go for a health insurance policy what do you like look for in the first place


ya, okay then sure


part three negative experience, okay


okay for negative experiences right I mean I have a lot I'd start with but then never mind uh, ah, ah ya I'm always I always try to be positive and always try to be happy lah but then at the same point right there's a lot of time people just because of some people's actions right


your whole day it turns out to be negative like yes whole day it it happens a lot lah usually like you're you're happy and then you go out right, and then just because of the one or two person they become really rude to you or especially on the especially when you're on the roads lah that's the worst part uh because let's say I'm driving a motorcycle right I'll be driving normally happy you know riding and then there's there's probably this one


one or two people right, who who try to , who try to be reckless, and then you know they just turn your mood, you know you become really frustrated and angry and then the whole day you'll be thinking about it that's one of the really negative things lah


so uh have you been lock looked down, look down okay okay one of the question have you been looked down upon by people in your life I think everyone would have been at some point lah I mean if you are bill gates or elon musk I mean I don't think so


so what is your experience, ya


chaperon okay then


ya it's like army right


!wow!


ya, uh


I mean the I think that's the army lah that's what they do, you know I mean maybe it is meant to happen you know because it's not like uh that's the first time it happened in army or anything I think there's there's always a moment where someone it can be you or someone else right


who could do something and then the whole team uh gets into trouble but that's the mindset lah I mean, at at I mean at a looking at a in a good way I think it's good lah because in the future now even though you're trying to


, ah ya,


other people, true true true true I mean I I also have felt trapped and helpless uh a few times lah usually that one I think mostly like when uh when I'm in some financial problem and stuff


but then my policy for my policy is always not to seek help and then always like fight my way through it lah because usually let's say I have like a financial problem there's a lot of times that I didn't have money and then I have to pay up fines and stuff right


and then all my savings is gone or either I had to borrow money from people that's when I realised feel trapped and helpless but even at the time I feel like , I should learn to fight through it lah and then not go for the easy way I could actually easily went for the easy way you know ask people for money and then you know just pay off and then just be happy then act like nothing happen I think I


that's a wrong thing to do uh and that's what I I always tell myself lah, don't anyhow just borrow money from people and then only like maybe take a take or borrow money if you really in need and then if you're prepared to returning back because let's say I have a mindset right like okay I have my pay coming in at this month I need to some money earlier on


but then in a few days I I can return it, at that point maybe I'll I'll try to borrow lah because I know that even though, uh I have like a backup already coming in , so it's just I it's just like a early thing that I just take the money from him for awhile and then I give him and then other experiences like negative experience I would say like looked down by people in my life


is uh mostly I'm not really a smart student lah you know because like since young I have been very playful the people I've been around with right they're super playful also so I never really took studies seriously you know I I


school is just for fun you know I don't have to study and then always going around after school just playing around and stuff and then but then in the future it really affected me because my grades always has been like very low , so after I finish my secondary school I didn't really have much option on where to go next lah because I wanted to go


I wanted to go to my uh I wanted to go polytechnic but then I couldn't make it because of my result so I had to go ITE, ITE path and then the worst part is sometime you know when you're outside and then people ask you uh eh what you studying now and then you tell them like you are studying at ITE and then they like look


oh like why ITE I mean your grades is not good ah they'll they'll give you the judgemental look, uh ya uh so then it always like made me demotivates me lah and then make me think like actually like you know it you know what I think I am not really that smart


and then it I I I usually like, kind of like agree with them like because everyone's like negative around you right like oh, for ITE in the future it is very hard to get a job your pays is very and then you start thinking about it right then you feel ah shit you know what I've wasted my life but then you at at that point of time actually I'm I'm eighteen years old and then people make you think like you've like lost your whole life because you went to ITE


those were the times that people really look down on me but then okay lah after a few years I I then I really motivated myself and then I actually made my made my life to go to poly and then I finished my poly


so I think uh I think is good to have a lot of people who are negative around you because it motivates you , because if everyone positive around you right and then you you always thinking like you are very good like everything is good at


true ya, that's the thing and then another question here


a food I dislike uh I mean uh can lah can uh for me it's okay you go ahead because my one very less


rich , ya, okay then


oh, , I'm I mean being a singaporean and not liking like #roti prata# is is a big issue is a big sin ya


, ah okay , what about durian do you like durian or


for me I I'm totally opposite because I I love durian I also love #roti prata# for me I don't really look at uh I I don't really care about like the nutrition and stuff lah you know as long as the food is good right


I think okay I go for it I mean I'm I'm a muslim, durian is just super tasteful I don't know why I don't know why people say it's smelly because I don't find it smelly at all and then it is it I mean its its its smell is normal I don't know why people say it's smelly it is nice


ah ya maybe because I mean like I'm not saying like uh because some of my family members my sister my father they hate durians also, so I think it depends on the people ya


so so in my family two of them they hate durian but then me and my brother we love durian so so whenever uh my brother or, I we get durians right uh my father and my sister are like definitely somewhere else they just hiding somewhere else lah


so for me I I think I dislike where I don't really dislike a lot of food maybe like exotic foods maybe I dislike maybe bugs like frogs, like like bugs and stuff you know sometimes people eat insects right


I uh I'm I don't think I'm a big fan of it I don't think I will try uh oh no no never actually I will know I I think maybe I'll, they say it's healthy and then it's tasty maybe I will try eat and me as I'm a muslim right if they say it's halal and then if it's a snake I I don't I don't I don't actually mind trying it lah


because I I like to explore actually I like to explore lot of I mean like even Sushi I uh do you like Sushi


ya at first I, well I like Sushi and then, ah ya I like it raw like like the like usually like the salmon and stuff right the Sashimi I like to eat it raw because I don't know I like the taste of it especially with the soy sauce lah


the the food, yeah the food actually I actually like really hate is actually I I think I remember now the food I really hate is actually Chapati, uh because Chapati the because there's one reason because I most of the time we have Chapati available in my house so I I had


ya so that's the reason why I hate Chapati lah because I we in my house we are always like eating Chapati every day, so at a point until the point where I look at Chapati and I get like really frustrated other than that right I don't really have that much of a hate lah for food or something


okay , I'm not okay if I'm a type of person who is uh always worrying lah but then then I I always don't look like I'm worried because I'm always ya a lot of people they think look at me they think oh he's carefree he's always laughing he's trying to make joke


that's wrong lah because I'm always worried like even I'm always like worried about like even tomorrow something like that I'm always constantly worrying about my future always thinking like am I going to get a right job uh am I going to


true true well, people ah people always look at me they say ah they think I'm carefree lah but then I'm not carefree because I'm always thinking about because you know I have to I'm always thinking more like am I going to get a good job am I


and like how to say always it's always on the future lah I guess because now at this age right we I've come into like a age where my father is going to going into retirement lah father and mother so I have to kind of like take


ah ya, I'm really constantly thinking and as you said lah I'm really constantly thinking about my enlistment also uh I will be enlisting in in a few week few weeks I wouldn't I'd say two weeks so I don't know what to accept uh expect lah from enlisting cause


new experience, it's like ya going into like a new school also because when you like let's say go into a new school right you always uh ya you don't know who to talk to because everyone's new then you don't know what that at like


ah ya, so you not alone I mean after a while after sometime after a while it it's okay already because you get to know everyone and then you guys get very close so


what do you often worry about like for you


true


to provide others also, I mean, I think that one that one is actually actually that one is not really that negative because I mean it is actually quite negative lah because you get stressed out


uh scared and stressed out but then at the end of the point is actually positive so maybe, ah true true true because I also always have like the feeling that you know I should be established in the established so much so that in the future I would be able to help out other people also you know or help out the community and then I'm always afraid that


maybe I don't want to be in a spot where I'm like helpless lah like I'm expecting other people to like come and uh help me , ah ya, and then what always brings tears of sorrow to your eyes


I'm I mean I don't really cry that often lah but then I get really really sad when because now you know right like the


media right there's a lot of more positivity than I mean there's a lot more negativity than positivity in social media you open Facebook right now and like most of it is, is negative hatred comments and usually when you feel when you see like how other people are suffering in other countries


uh like countries that are going through like war uh poverty like lot of countries africa and uh india uh countries like that, they are going through a lot right now and then the worst part is that the the thing that really brings tears to my eyes is when I see young kids lah


that's when it really hits me but it because in a lot of countries right because of the pandemic right now like COVID like even countries in like india there are lot of homeless people kids they cannot even afford to get medical attention they can't get proper


and then and then the worst part is you I feel guilty that I can't help them because they are young kids they don't deserve that really brings tears to my eyes lah, that's like the worst yes


ya okay we're done


yup, part two positive experience lah


okay, uh, okay ya so when I was around fifteen years old I really wanted a pet parrot lah


uh, not really a fan of like having a pet cat or anything so I really want to have a pet parrot so my parents I had a I actually saved up quite a sum of money to go and buy the parrot so uh when I ask the permission from my parents right they


didn't approve they say uh like you have to take care of the pet and then usually you play outside, ya it was a really big problem so my parents they didn't didn't really approve lah but then somehow I just convinced them and then I went


to a shop to get a uh parrot lah pet parent ah so out of all parrots right I I really like one of the parrot because uh it was a, uh yellow cockatiel lah if I remember ya was a yellow cockatiel and then it it has like a beautiful uh orange round cheek so I actually got the parrot because I I remember asking the guy


I remember asking the guy like which is like the most quiet parrot because I didn't wanted a noisy parrot my parents will get, ya so I ask I asked him like okay uh I want a really quiet parrot and then he told me that this parrot uh is is quite quiet lah it's not really noisy and then he told me that usually if you buy them in pairs only they they like to play a lot then they're noisy but then this parrot won't be


uh it wouldn't have a problem like living alone lah because some of the lovebirds uh they have to be in pairs because if they're like, uh alone right they'll get like stressed out and then


ya that's why they're called lovebirds so ya fast forward actually I got the bird and then I brought the bird to my house and then it was really quiet bird lah so the first few days first few weeks right I think the first week it didn't actually eat properly also because I think it was like afraid of the new environment


it was scared of the environment and then I I usually call the uh pet shop guy and I kept asking him lah why is it not eating properly why is it not like moving around properly and then he told me like put it in a common space at your house where there's a lot of people always moving around


so I put it in my living room and then uh after a few days it actually I think got used to it lah, used to the house so it like kept moving around it ate like uh ate food like whenever we put uh like fruit or something right it will actually eat the fruits and then uh my next task was to actually


tame the bird so it's like to, so what I did I usually used to open the cage and then I'll put my hand inside the bird's cage lah uh it was like a practise so that the next time when I whenever I was near the cage or whenever I had my hands into the parrot cage right it wouldn't be scared


so I kept doing that for awhile and then after quite some time right it wasn't scared of my hands and then whenever I put my finger near it right it will actually climb up to my finger,


I I actually didn't have like a proper name lah I wasn't really a big fan of having a name or anything but then uh my, niece right she she she had a name for it it was like a girl name lah I I wasn't sure whether the pet was a boy or girl


but for, I think it was a few months old only few months and usually like for a few months actually a cockatiel is actually full grown lah so they only take around a few months to become the like the full size


ah ya so for for a cockatiel I think it only takes around like two to three months and then it's already it already grows up to its full size already


so ya my my niece ya she named the parrot cinderella I don't know for what lah so she always used to call it cinderella but then she wouldn't go near the parrot too scared and then, after quite some time what we do is what we did is uh it uh we will open the cage we'll close all like the windows


open the cage and then it will just roam around the whole day, , ah ya it'll actually loiter around the house so it will loiter around the house uh it'll just try to climb onto something sometime we'll uh let's say if you're like sitting on the floor and then it's next to you it will actually


climb onto you and then so basically my parents they fell in love with the parrot lah they like extremely fell in love with the parrot, so uh what other then what it had actually it actually had a bad habit lah the parrot but I wouldn't say the bad habit lah uh you know nowadays they have like uh optic fibre cable like for your wifi


the the the think yellow ah ya so what it always did it it always go behind like the, television and then it will not it will actually only bite onto the optic fibre cable I think because


ya I think I think is because of the colour because it's yellowish colour and then it's also like very uh like it's actually really soft, uh there's also uh whenever uh so in a normal day it will be just sitting around and then the suddenly the wifi wouldn't be working and then we will call the Singtel guy to come down and then the guy will come down and tell me like uh he'll tell us that your parrot actually did it


I don't know lah so it happen around three times lah until the Singtel the guy actually got frustrated so he came back he told us like uh uh hello you have a parrot, which is biting off your wire every time like please secure the place make sure it doesn't go there and then we were like okay like we finally like listen to him and then we use like cardboards and stuff to cover the place so that it wouldn't go in lah


so that that was like a wonderful experience lah , ya but


ah true, ya ya


ah ya just to, give me feeling and then the sense of responsibility also ah maybe , you need like like it's a living things so you have to take care


I ya but then my my parents really fell in love with the parrot like as much as like they cared more over the parrot than actually they did to me lah you know they wouldn't really care if I had lunch or anything but let's say if the parrot didn't eat for


uh , maybe maybe that was the that was one of the reasons lah it was really quiet parrot like it wouldn't like it wouldn't, uh how to say it wouldn't like scream or anything it it'll it'll be always quiet


didn't ah it didn't really irritate you one actually is like we wouldn't even know where is the parrot sometimes, so we would we would have to like go around the house like trying to find the parrot lah because it was like super quiet


and then it will only uh, it would only like scream like uh in the morning okay so my father he usually like get up around five thirty to six right, so what he usually do when he uh uh woke wake up at around five thirty to six AM he would actually carried the my parrot's cage right and he would


put it on the balcony so for some reason my parrot will get like super excited lah and then for for for that time period it will like just go it'll go crazy it'll scream and then it will go around the cage


uh and then just for the period and then after that the whole ah ya and then after the after that uh for the whole day it will be just quiet so ya it was it was a beautiful experience lah I I sometime I still have the urge of like maybe getting a new one maybe soon lah we'll see how


so, like have you had a pet before like


, ya,


okay, okay it's like an offer right


ya, , oh


okay and then you were selected for the offer right


oh okay but, oh okay


okay, oh


ya,


oh okay


true


ah ya, like reviews and stuff, because usually when I shopping online also I try to go like look for the review you know because that that is like the best way


ya even if like they have like one bad feedback right you don't you you don't want to buy from them you feel like eh, oh like this person really had like a bad experience, ya there's a (uh huh) there's a minus point over there and then I I will try to avoid like get from like getting from that guy


and and I'm also like the type of guy where I don't like to wait let's say I want a thing right like on spot I wouldn't like


right away then I wouldn't really mind paying extra cash lah, rather than waiting for a few days sometimes is like three to five shipping or working days for shipping and something but then I wouldn't really have like the patience so what I would do is like you know what extra five dollars nah never mind lah at least I get to get it in my hand right now and then try to use it right away


so that's the type of person I am also so maybe I I'd be a good customer for you also ah because you you can come to my doors uh like once I like press buy right you can come to my doorstep so that's that's the type of guy I am also


usually for like a business ya it's always like is not only about, like us is also, if the fella whether the guy's trustworthy whether the guy also uh shares the same passion as us if the guy really don't care about what we are doing right it wouldn't be a success


the and who're who are working with right who's really passionate about it and then he also wants to uh maybe expand the business I think that is your right partner lah because the because some people they try to


think about like easy money they taught you know what okay this guy is starting a business I'll just join him and then I I wouldn't really do as much as work as the other guy I just want the money I mean that is really not the type of guy you want to go with lah you want a guy who's really positive


or whichever the idea you propose to him and then idea he proposed to you, uh, true true true true true that's like the best


ya actually there's a good question here lah what are the dreams of goals that you wish to achieve before you die I think that one is quite easy, you want to go ahead or I'll just say because for me it's super easy lor


okay my one is super easy okay I think you would know what I'll say lah, like my dream right is to buy a watch okay not a normal watch lah is not I'm saying like a hundred two hundred dollar watch I have a dream I'm a a dream watch lah it's called a Patek nautilus Patek Phillipe nautilus


true true it costs around like uh it costs around for now lah the market rate is around hundred thousand lah if you if you convert into singapore dollars that is like my dream dream watch like before I die


I want to own that watch no matter what, some people will say it's crazy some people will say !alamak! hundred thousand dollar for watch I mean you you crazy you can buy a watch for fifty dollars hundred dollars but then you know I think I think it's just a passion lah passion you have for something rates was hundred thousand there is something that


I mean for no I mean like for for my family I will stay HDB lah but then, but then it's like uh I wouldn't like because I wouldn't really HDB houses and everything is like essential so maybe I'll just go for it first


and then let say I have a savings and then I'll buy a watch I wouldn't really save just for the watch lah I mean that will be crazy like like like then in thirties right I wouldn't have a house I wouldn't have food on the table but then I'll have a hundred thousand dollar watch, and that that one would be stupid lah so that's my dream and then my second dream is to own a Ferrari lah


a watch and then a Ferrari a dream maybe, ah ya I would have to especially if you want to buy a watch for hundred thousand dollar I think you have to work really really hard lah is


ah ya it's not like ah oh I think I'll just work for a few years you know I think you have to be super smart and then I think maybe you you at the same time you have to be super lucky also you know I think if you start a business or something you have to super lucky to earn that much of money


I don't know ya because I want to own with I think it's for everyone lah to own like a sports car I'm sure pretty sure you want to own a sports car like what's your dream car


Koenigsegg, the, few million dollars [lah]


part one part one finance


okay, so Mupal uh what happen like if you want to buy a vehicle or buy a motorbike do you, get insurance what is your views on getting insurance and how do you go about like uh choosing the best insurance for yourself


so, motorcycle is your main transport is it, main form of, okay, oh okay


oh your policy what does it cover


oh


oh, okay


, oh


okay, oh so the the commercial insurance is uh is is it from your Deliveroo company or the, uh the MSIG you mention


oh, oh


so apart from the third party coverage what other, things you can claim when you like end up in an accident as you mention


ya, , oh okay


, oh okay okay I think I think it's similar to what I have also for my car insurance so mine is I my yours is third party you said right


I think my one is uh the what is that my car insurance is comprehensive, so I think they cover, I think they cover everything basically from all the repair cost then uh your personal accident also suppose you get injured or your vehicle repair and whether the other party needs repair or not whether they go to a different workshop everything is covered under comprehensive basically it's like a


uh like a big package lah it's like a advanced package on the third third party third party is it's just own it's a legal is is the basic version, also to help you uh to pay up for your own expenses, so I'll also I think I added on a few additions also uh because when I sign up for the insurance they had the add on for windshield uh windshield something windshield add on so you need to pay extra money extra premium monthly so that uh


your windshield is also insured I don't know why they uh, uh they have a separate uh cost for it cause it's not included in the main policy I think it's because windshield it's it's made of glass right so I think it uh it might get damaged very easily so they don't put it under the main coverage so you need to pay an extra five hundred dollars to actually have that option add on


most people won't choose it but then suppose you have your car or what then I think it's better to actually choose that uh option, also for I think for bike riders if you want to add the names right like if you want to add additional riders' names they have to pay


ya,


(uh huh), oh okay, oh, oh okay okay okay, so if you want to add the driver you need to pay an additional fee right


oh, okay, oh okay okay,


oh the so that's very cheap you know for car drivers I think it's a few thousand dollars if you want to like add someone like uh young driver like me right so need to like uh add additional like two thousand plus dollars because I'm I'm not experienced


oh so, , ya ya, correct


ya ya I think like fire theft and like supposed your car gets stolen or something, then I think it's still under the coverage not only that I think you know sometimes some countries I I I'm not so sure about singapore it's very rare uh maybe you know like in countries where there are riots and civil unrest and people are fighting and it might cause damage to your cars and vehicles and if you want to protect it you can add on to the comprehensive also


but I think singapore I think is very rare except for the little india riot that happened a few years ago except for that I, think the riot won't be a problem but if it caused by any like any public disruption like people like uh causing like all those gangsters were coming together and then trying to like vandalise your car without you knowing I think it it still cover under comprehensive


but then nowadays they are recommending to include webcams to provide as evidence you know uh for all the claiming process so I think it's good to actually have a in possession of the webcam in order to to prove you point of claim


cause I have a experience when I'm when I did the claim right and then I did not have a webcam another party who was involved in the accident also did not have the webcam, so what happened was that uh basically in the junction uh I was already ahead ahead uh I I would say it was my right of way but then the other guy actually did not stop at the stop line and then he came and uh I think banged into me from my driver side


so during the claim what happened was that we didn't take enough pictures and then the pictures also it's not very I think all the pictures like just showed the damage only ah, uh it doesn't show the location where it happened so those kind of things I think the insurance company actually penalises so


uh sometimes you have to be really careful lah when you like uh you take the pictures and then evidence of it right that that's why now a lot of cars you see on the road there are a lot of of webcams and then beneath the motor insurance company also they actually uh process the claim based on this kind of evidence


so what so so my my situation what happened was that the other party right, uh he went to he went to claim and then mention that it was my fault so uh the first raise he was the one who was at wrong, but then what he told his insurance company was that he actually uh he was actually in the right and then I didn't see him coming in then I was the one who caused the accident so the dispute was not settled lah so the claim did not get passed through that uh that very fast so


I think uh I think they call in the private investigator I think it's not it's not it wasn't it was not a serious case lah so the traffic police was not involved so, insurance company arranged for the private investigation and then uh they they interviewed all interviewed the both drivers and then I think they actually it's a it's a quite a long process lah they will ask you a few questions and then uh they will decide which who is the who was a who was at fault during that incident so


so because the webcam was not available and proper evidence was not given right so the entire process like took four five months like that, ya it's always a convenient ya it's a good in ya insurance scheme ya


ya, oh,


okay, okay


, oh, okay oh


, oh


oh, oh okay okay, insurance insurance, the one that covers everything


ya correct you need to choose this and that


, insurance only oh, okay okay, ah alright


, ya ya definitely that's why the premium is also very high


those kind of health insurance is it, ya ya ya I think it's really a good idea because in singapore right, uh those kind of illnesses and long term chronic diseases like it's not like it's not a question of when I mean it's not a question of if like people may think oh ah I won't get inflicted those disease but it's a question of when like


everyone will definitely go through this kind of phase because when you get old right because of our dieting habit and uh so many lifestyle right uh I think uh it's best to have a health insurance policy at hand because the part everyone needs it as part of a retirement plan lah I I would say uh


uh as you get older and older you know your ability to work and then earn money will not be you won't you won't have that much of potential to actually fork out so much of, cause you're already supporting not only yourself but also your family kids all you children you need to like pay for their education also save up for their education so what happens is comes as a safety net


uh it's uh I think in singapore it's compulsory to like uh like uh separate a certain uh sum of money from your CPF, and then put it inside the MediShield account so now and then you can just use it for hospitalisation fees and claiming whenever you had injuries I think I have uh I've uh I've experience with that and then


it has helped me uh with my back injury because I had to go for a MRI scan I think you know MRI scan is quite expensive in singapore, so what happened was that uh actually that was back in when I was in uh when I was in school I was studying in school so


uh it was a hospital staff who recommended me on this uh MediShield that I can to MediShield so I I thought maybe it would because the the entire session the therapy for MRI scan was about five hundred plus dollars per session so I need to go for three four sessions right


uh so I had uh so she recommended me that I can actually use the MediShield, so after that I went down to research and then like find out what what what are the benefits of MediShield like what are the premiums I can enjoy like uh whether we can use it in clinics or only hospitals uh you have any experience in that uh with health insurance


ya, ah, oh


ah okay, oh okay okay


right, oh nice


you want to pause the recording, oh, okay okay okay I take uh I take


okay, ya so back to our topic ya


so so both of us have had a positive experience lah like uh from benefiting from medical insurance or motor insurance whatever it is


oh okay okay yeah, so for for for any average singaporean I think this this option is the like the best option they can get, ya


okay okay, oh


oh did you did you, uh did you hear the recent news or not like uh you know the health health insurance policy right so whatever not is that uh one of the terms and conditions was changed like during up to one month back or something


then suddenly everyone all uh insurance agent right they wanted to like uh use that and then uh attracts every attract all the customers saying that oh see the government is going to change the law based on insurance so I think it is best for you to buy now cause


because the if it because the term after they change right came into uh effect after a few months only, like after uh two or three weeks it was going to be implemented then suddenly they say oh I think is best you buy now so that you can enjoy the benefits that was before the terms and condition then I think like feel a lot of people like they uh rush rush to find out the insurance agents and quickly sign up for the insurance plans lah


but I ah ya this kind of I think making rash decisions right you think you need to think through and actually read through the policy terms and conditions to see whether the terms will actually benefit you and whether you'll be able to sustain it for the long term


uh I think that's a wise decision you can make lah based on, what we are looking in singapore, ya, oh I think mostly uh I will look for the the types of uh chronic illnesses usually different policies got the list of illness right some some some something will have dialysis some policies will not have dialysis will have diabetes insulin medicine


this kind of long term illnesses where you need (uh) medication again and again you have to go to the hospital right so I will just look at it and then make my decision [lah]


part three negative experiences


ya, but while you're a happy lot of goal person right I think your negative experience are very minimal


, ya, it spoils lah ya it spoils


ya, of it lah because ya they just anyhow drive and then ya


definitely, well once upon a time there were there were there were people who'll have looked down on him or the on them all, my experience is it my negative experience uh I would say when I felt trapped and helpless lah


uh so during my national service lah what happened was that uh uh everyone everybody was uh everybody was preparing for the morning parade so I so like early morning everyone has to rush down to the parade square and then prepare for the day so


you have to be on time if you are late means uh that's it your superior is going to, he's going to kill you so, I think I think I I was like uh there's a long queue in the toilet lah so when I was preparing and getting ready our everybody already fall in then I was the last person running to join the team


so what happened was that suddenly everybody's attention turned to me all the superiors like looking at me and started shouting at me, like they shouted at my face it's like uh ah so that moment I was like just trapped and helpless uh like no one is there to support you no one is there to like you know you're you're supposed to take care of yourself ya one that but then


uh there is a uh the the toilet time also takes very long so you need to like take your time uh I think you can rush lah but if if other people want to Sabo you right then you cannot do anything what uh you will just get stuck and then you have to face the consequence lah


then but but the punishment was given to everybody so I was happy with that, but the thing is ah of course lah after that everyone like ah say shame because of you lah cause of you we get this we Kena and uh of course they target me lah they put a black mark on me


ya I think it's part of the experience like, ah , ya ya ya, I agree I agree it makes you feel good but then at that moment leh when you're stuck with it probably is like just blaming you for that but they are not take everybody take their sweet time then the last gets caught


then he has to answer for the answer for all the people's mistakes so I think ya,


, oh oh, okay


, ya


oh, , ya that's a wrong thing to do, ya


, oh


okay, ah, oh, you can you have you you have the resources to return him, ya


true true


oh, , oh, oh


ah, okay, so you took the ITE path okay okay


, ya they will they will give the judge look right they will look look at you like you're from some other another planet


, (mmhmm)


ya they force they force you into thinking that you're a not capable,


ya , oh


okay, ah, ya so


so because they pinpoint your weakness right maybe at least you know that you you can work on that and then improve yourself and then go actually prove prove the point that they you are actually you can actually achieve something in life, ya


maybe maybe we can talk about the food you dislike, some of them, either ya, I think I'll ah, I'll go first so uh for me recently recently I started hating #roti prata# I don't know I uh


it's because I don't know is it uh because I read in article somewhere that uh #roti prata# is just plain flour and not just a normal flour it's the flour like they process right, then throw away all the useful stuff and then they keep the unwanted things and then they soften to make the flour but I know it's a popular it's a popular food in in in singapore in malaysia


learn your prayer lah ya I know of people will it's a big sin ya but for me I don't know how it it's just a whenever whenever I take a bite it feels like so it doesn't feel like food it's like


like some kind of weird substance oh I tried !ee! oh bro oh no I hate durian the smell of it ah whenever I walk past a durian shop I tell you I I'll try always I'll even the other road is longer I'll take the longer road and then go around the shop no leh


ya , oh ya


, but durian durian has nothing good about it what is good it's so smelly, it's smelly, ya, oh


maybe maybe you like that kind of smell that's why


yes, ah, in my family I'm the only one who hate durian everybody likes durian I'm the only one who hate ya, ah


ah, what is that what is that, oh ya ya ya ya ya ya people eat that ya, what about reptiles you like reptiles


you'll try,


uh I mean recently I've a sudden liking for it but uh not a big fan but not a big fan if it's, cooked if it if the meat inside is cooked I'll have the Sushi, but the actual Sushi is supposed to be raw right you eat sushi you eat raw


, ah the soy sauce is okay


, that's another version of #roti prata#, oh it's it's like the bread the bread of your home


okay okay okay you do you do you have sign any worries right now are you worrying currently anything, I think I maybe maybe about the enlistment can negative experience or what


ya, you don't you don't show it, ya, ah


, oh what is going to happen ya ya, ya people people people who don't show it right are the most worried actually people who like don't show they are the most worried what they keep everything to themselves and then


it's like a ya they bottle up all the feelings


retire is it oh, so I think it's time you take responsibility for all your entire life


ya it's a it's a very new experience lah everyone every every every mother's son goes through it


ya, suddenly you don't know who to meet who is going to be your friend, ya ya, but the good thing is everybody is also thinking the same thing so you're not alone


so that's a good point, , ya slowly slowly everything will get smooth and then you'll get along


for me I think I wouldn't worry about the next day lah same as the like how am I going to take care of myself basically how am I going to take care of myself without my parents so I always keep thinking about that so if they are not going to be around for very long so it is


important know to have a like proper established position so that, you can take care of those around you also and people who come for you to ask help , because you need to be in a position like people have to , uh ask you for help right you you shouldn't be able to say no you must you you shouldn't be the one asking help or you shouldn't should not be capable of not helping you should basically you know uh have the capacity to help those around you because that's uh that's the spirit of community actually so


I think it's important to I'm I'm actually worrying about that lah my life goal is actually to to be able to be in a good position so that I uh, ya to help also so I think if you you need to take care of everyone around you not only ourselves right so


negative in the sense because you're always scared ya whether whether you can achieve that goal or not ya, it's a it's it's a positive outcome but then with the negative uh uh fear in it ya


ya the fear


, other people's ya you know you need people support then I think it's really hard on you, it will uh, bro I actually I'm a cold hearted person I never cry suddenly you're asking what tears I think I never shed a tear


ya getting sadder okay


, ya all the all the hatred comments people are like messing with this ya, you get even more depressed right ya


, middle east ya agree with you ya


ya, , ya


it's it's really a sad thing you know, , ah it's a very good wise wise wise feeling you have there


positive experience, part two positive, part two positive experience


Mufassin you uh I remember you had a pet when you're young right can you share the experience with me


, oh, oh


ah, ya so taking care of it is a problem ah ya


, oh okay


oh, oh, oh, ya later your parents will complain also ya


ah ya that's why they're called lovebirds right


maybe the ya environment all different right, ah, , oh


okay okay oh


, ah


oh ya, ah, ah, oh, did you did you it or what did you used it to call it by name or just and just this


, ya


, oh how old how old the how old is the parrot, oh okay okay


oh, it's not it's so it is it is not like dog or cat it has to be living for many years to grow up, oh


oh nice very nice, , okay oh


, oh it'll it'll just loiter around the house is it


ya, oh, ya ya correct correct it used to bite is it oh


all the wires oh, oh only that it has got a certain taste, think it like to


oh, oh the texture is very smooth


ah correct, oh


, oh, okay okay okay , so I think I ya ya very good experience you shared with me ya it makes


a pet also but for me all all the negative thoughts come to me because you know pets are usually very dirty and then they use to cause mess around right when they're eating, and then they they use to like defecate in all the places like shit shit here shit there lah then uh we have


after them you see you see on the on on when you go to parks right you see people like walking their dogs they always carry a small pan you know just to scoop up the, and then I know when I when I see them I just get uh I don't know it gives me the eerie feeling ya


ya true true ya you need to take out of something ya, not ya but not not not for a carefree person like me I'm really bad I don't like this kind of arrangement


oh, eh but ah, maybe maybe because the parrot used to listen to your parents maybe the parrot used to listen


it basically it didn't irritate anyone lah it it just go on with the flow ya, oh that


oh, okay okay, ya


ya, oh,


oh, oh it will have all the fun lor


oh, ya okay okay maybe maybe when you get married and then your children want to get pets then you can have a can have a parrot again in your house


no no my positive my if I if I say about pets only the negative experience will count ah now we're talking about positive experience right I think I just share the personal personal growth lah like what what I experienced a few months ago uh think a new business opportunity came to me lah


everyone knows that uh I I got an offer to get buy something and then a free gadget actually came along with it, it's like a free lah free you you get you get you get you buy something then you get something free right it's like a one for one


uh then ya offer like that uh so what did we uh one of my friends gave me an idea eh uh why don't we like like buy the buy the big big thing first then the free item, are profit because since it's free right


so only only those people who got the offer will be able to buy it, ya I mean I , ya I was selected for the offer then I just gave it a try lah see how it goes then what it's like to you know do your like like a I wouldn't say business lah like maybe a short trade we can call it a trade lah


just trade and stuff and then uh, so uh for the first week we started we we started with one or two then suddenly I think we start we found a small gap in the market like suddenly everybody wants to buy that free product, so we thought eh why don't we gather many people and then uh those who those who got the offer but don't want to buy the stuff right we pay them then we ask them to get the free product and then give it to us


uh and then start we start selling the free items lor for the cost cost that, uh we sold it on Carousell only then uh a lot of experience from that meeting new people like our different different customers like how are they like uh what what kind of uh feedbacks are they experiencing


uh usually customers they look at reviews right usually suppose you want to buy a product all or what you will do is like read the review see what other users say whether this this seller is good or not, so so that that part of selling is really important so I realise that uh you have to like uh do your research very well see what are the opportunities like people who want to make use of and see uh how they can


how how you can attract them basically you want to attract them that's what you want to do attract them and then you must be giving giving the offer and the price that no one else will give, I because most people who come on Carousell right they want the product immediately like right at their doorstep


the product is available everywhere the people can go buy but those people on Carousell they want it right to their hand at that moment so if you if you if you have the means to bring bring the products to the customers to their house or to their workplace or whatever


I think uh that's where your business competition lies ahead lah you will be able to uh actually have the market control uh, I would say it was it was a big experience because uh I was able to see how different marketing strategies can work basically the best marketing of the day is actually to implement like uh to get feedback from people and to show other customers what others are saying about your product


so I think everyone lah so ya reviews and stuff reviews rate, ya see you want you want to know you want to ya best way to know like what the product works


ya something that is something some minus point is there, ya correct


true true true , ya, ya you want it you want you want you want it in the hand right away


correct correct correct, ya,


, ya, , ya you are you are you are likely to be my best customer , ya like that


(uh huh) so so as I was saying the positive experience right really learn from it lah so like how you interact with people how you communicate your ideas and how you uh network with people basically networking is really important like if you want to start a business or like whether be it uh big or small right


be having a partnership when people who trust you so, when they trust you right when they trust you means like ya ya they they will support you no matter what so I think building of the trust and networking is really important nowadays so I think we need to like develop those kind of skills


, ah ya


, ya very true, , true oh


ya, ya it is, kind of good, ya I agree with you I agree with you


ya, ya he he he he he he needs to have the same drive as you right you want he must he must, support you in every way


whatever decisions you make I think, I think we uh I think a lot of people have a personal goal nowadays lah to actually to start a business, whether they work or what right after a few years they want to like you know actually do something big be able to the monetary the monetary prize is one thing but I think the experience the entire experience of it is really important lah


ya, true, that ya that's true , ya you can you can just list you can just list your dreams lah say what's


ya let's hear it ya , ya you're a big fan of watches


oh it got I I know I know it it is as costly as HDB flat in singapore,


ah, ah, oh ,


okay, ya that's why is it worth ya say given given a choice right whether you want a HDB flat or a or Patek Philipe watch which one will you choose, I think it's obvious ah


okay okay you change statement,


ya, ya


correct correct, , oh ah, big dreams I think big dreams you need to work really hard for it


ah, work work work until you can spend hundred k on a watch


uh, , to actually own the Patek ya crazy right


, ya my dream car I think is a Koenigsegg lah I think it's a limited edition, not many people will know lah I think everyone would to go to the Ferrari and Lamborghini but this is different, ya ya


part one finance


okay so, I guess from my investment strategy now is more or less to like uh every time I get, uh pay, but because our pay is not like very frequent since I'm a student now so I'll like put in half so my money will more or less I will divide by three


one third is for spending another third is just for pure savings and the other one is for uh investment in uh stocks so, how I mean I guess how I kind of like plan my stocks is maybe to look at like uh, oh


my recording just stop for my computer, uh, no I ya


yes, yes, I I do but


I think my, my converter is like crashing


what and uh but then there this this is not affected, it's weird, yeah


ah shall I use the uh quick time, okay that's I'll just use quick time instead


ah ya my voice memos is bad, ya, I'm good


I, yup


ya, yup


alright part one finance, okay ah ya okay for me it's


for whenever I get my pay which is much so regularly, since I'm a student uh, I basically divide my pay into three parts one is, for my own personal spending and survival, uh another is for, uh savings like


kind of like for a rainy day and stuff another one is for, investment, so ah for me I do I buy stock, in at the US market, so how I buy the stocks is just to see like the trenches in the, ah stock market lah essentially


yeah and I don't really do like like that kind of day trading kind of stuff which is like buying and selling so I I mainly like just, uh buy and, watch the stocks, gold so it's kind of like gold of investment lah but long term kind of like gain ya so how about you


so uh how long are you looking to like uh do this investment thing


I guess for me ah for like right now right, I'm kind of like , putting in this like kind of is my travel money, in that sense that I guess if I can invest it now and then it grow, I I mean I can see where it it will like how much it will grow up to in the next like