already a blessing like , ya like I think to be able to enjoy like everything that I have now I'm already very happy and satisfied ya, ya and then , I think it would be a plus point if I can find my purpose and accomplish my purpose in my life ya how about you


for me I think will be entertainment so I like to watch like uh series on like netflix and like uh, also for me I think I enjoy like spending time with the people that I care about because like ya when I interact with them I feel more energised after that ya


how about you


you want to talk about a time when you experienced personal growth


for me it's like like when I step out of my comfort zone and accomplish things that like I think that would never have lah for example like taking up a leadership role in like organizing committees, or like putting myself out there to like putting putting my myself out there lah for like people to


to judge so like for example going for an interview and all ya cause uh to be honest I don't really like putting myself out there and I don't see myself as a leader so there was once I decided to take up the opportunity to like really lead and organise a project


and eventually the project came out quite quite well lah so I think that was once where I experienced growth and like I can see myself doing it more often in the future, ya


I think for me will be like maybe ya JC days like during A-levels when uh like the studies seems like


like uh I was never able to to make it ya I think like the support of like my friends and teachers around me kept me going lah so it really helped me to push through lor ya how about you


that's all


so, err I do have a saving account which is my POSB kids saving account that I had since I when I was young which has daily interest credited at the end of every month and has a interest rate of up to zero point zero five percent


what about you


ah, okay,


I have one debit card this my DBS visa debit card and which I use it for uh as a EZ link card on buses and trains and then that means that I don't have go uh tap top up all the time and I can earn up to like three percent cashback


I also have another credit card which is like uh UOB supplementary card from my mum so there's no annual fees for the first supplementary card and I also can just preset the credit limit to any amount that I want, it's not bad


do you have,


mad right your parents can see also like how much you spent, okay,


(mmhmm), I mean for me I would prefer cashback cause it's like easiest to get rather than getting points or miles like cashback is just activated upon spending but then miles and points like I think it'll there's time lag for it to be processed into your account also


and then you maybe you need to hit that ya I think it's like more troublesome to convert it into cash for points, ya amongst,


oh ya


no that was, ya that one's like only if you travel like a lot , but I'm not that rich uh, okay


ya ya


or you can get like supplementary card lah cause we don't have like our own income so is like we can't even apply for credit card yet, !haiya!, okay


(uh huh), wait wait, I know something about motor insurance cause I work there before but then like I never buy before you know like


I I work for, you mean like I work the thing uh that I work, like the the thing that I buy or like what


oh it's like motor insurance like I know like a bit of background about like where people like sign up for motor insurance like all the procedures and like how much premium and how do they calculate the premium all those


ya cause like I used to do admin work there before, (mmhmm) , but do you buy insurance products, ,


oh ya,


!wah! I did hear of that before okay


, okay, err , I, wait


no not yet, oh


(oo)


okay, what , true true, so do you get like a card or of it out of it or like it's just like account


(oo),


oh ya, okay , ha they have, (uh huh)


I think I will like, I won't like totally just put in the bank I'll take some out and invest cause like, it's worth some risk but not too much risk you know, like at least you get to, but I think you have to observe the market for a while before you invest also


I thought I don't know how do that but okay ya, (mmhmm)


, but is safe lah, okay


okay, do you think couples should combine their finances and open a joint account


okay I mean like after that point you know, ya


(mmhmm), (mmhmm)


, the, , but then like I'm on the bad side right I think like both people should have like be financially stable themselves not like later one person it's like more it's like better


more affluent ya then it contributes more then there'll be financial disputes then like err there will be some problems lah but I think that that kind of thing's very personal so it's it really depends on how insecure you're about money like if you are both okay


with just using your money and my money then ya I think it's okay ya but like if like somebody is very sensitive then like okay no no it's like,


ya,


ya, because later the the other person can see what you're spending on,


ya, , I get mine when I was nineteen I think that's the age that's like the most uh appropriate cause it's like it's the time when you are going to start working or like


and maybe have the use of it also and more mature, like when you are in school I I don't really see the point of spending a lot right, ya


, ya,


oh,


I also got my first credit card when I was nineteen but that was like when I was force the the the supplementary card, the credit card like but that one it's like I'm forced to get one


no like cause in some circumstances right they don't allow you to use debit card like cause I was going overseas then like I think you have to you have to purchase something over there then you can't use debit card as a payment


so like ya so it's like I saw like the terms and conditions then you have to get like a credit card then I just faster go get it, uh if like not really because like my parents can see what I'm paying for mah so right


like I use my credit card but then I use it on stuff that my mum knows you know like my school stuff or like holiday matters or something that needs uh needs like credit card lah or when I'm broke


oh ya, (hmm),


!wah! , (mmhmm) , (mmhmm)


(mmhmm) (hmm),


, (mmhmm), ya all the tiny tiny terms and conditions oh my god


, okay


err my parents uses CPF, to cover, but it use loan is it


err so got the rebate all those


, okay, I don't really have the habit of saving , and that's very bad but ya I think I should really start saving already


in my bank and then I go and use it for shopping , so I'm not saving but you got to save up right


oh ya,


(mmhmm)


uh yes, (mmhmm), I think I spent a lot on


right generally our age right everyone spend on shopping, if not it will be like, bubble tea , bubble tea, , (mmhmm)


oh ya so even if it's ya even if is not the very expensive kind right then like they still buy often so you add up to


and then you'll get high sugar intake, !wah!


okay, , what


okay so, sorry


(mmhmm), (mmhmm), there's no need to save up ya


okay,


negative experiences okay so let's share about our negative feelings, so what


ya, I think when sometimes that I cannot meet up to my certain expectations and then I will start to feel very frustrated like even though I have worked so hard for it but I failed I cannot manage to reach the certain goal then I'll kind of


ponder like what exactly do I need to do to actually make me reach there which is very very hard, so it actually frustrates me cause I cannot think of a solution, ya,


(mmhmm),


yeah, (mmhmm)


right I I get what you mean, okay


(hmm) worst thing I've witness I can't really think of anything right now, err


okay


(mmhmm)


(mmhmm), (mmhmm)


, right cause they are strangers then, you feel weird right


I think, , , I get what you mean like I think now I think about it right there's like something I see before also but it's like on the bus then


I forgot what exactly happened but there was this old lady that was like, okay I think I think like, she just keep causing a bit of a commotion on the bus then the bus captain was very annoyed so I think in front all the passenger then he just like screamed at the old lady


like very in the very mean way then I just like I just felt very like oh my gosh like how can he like just suddenly, just scream at the lady like maybe try to understand cause she's


a bit old then like maybe like she has some disabilities, so like at that point of time I felt very helpless lah like I cannot do anything but get stuck in that situation also, but after that I alighted from the bus also so I can't really do much but I just felt very bad just seeing the thing ya


I think this question's very interesting like I can relate this question to a particular movie there's a lot of scenes that makes me very very angry


but it's like I don't know if you watched before but it's like the family drama the world of the married, okay what ya though anyway like the movie is about


uh couples being been not faithful and, uh everyone just lying to each other which is very infuriating and every time when I watch that show I'll just want to take a breather look like just skip for a moment cause


it's like they are like in the show it's like couples fighting and like people just lying to one another and just, threatening each other which is very angry to watch lah, like you know the back (mmhmm)


as in, the in the story the character is very, but his ego's very big so like it's very outrageous to act in that way so it gets me very angry to see how that character behaves in that movie ya like in some scenes that they act in certain ways it's just very annoying


what about you


, it's okay


I think it's quite similar to the one that I said about witnessing like the one that I saw on the bus and that I I cannot find my, self to like help the old lady, like I'm like I feel like I'm in no position to help her but maybe she needs help or something but it's very awkward in that kind of situation for someone to suddenly to just step in


I think I have, I fear of, like emotionally I have a fear of being rejected, like it gives you the feeling of being like very helpless and like,


like it's just something that it's the last thing that I ever want to happen, but then for like physical stuff, for phobias I think I have got a fear of like creepy crawlies and snakes, like all the disgusting insects


(uh huh) I cannot even watch a movie with them inside like if I see a snake in the movie I'll just like shut the whole movie off, , so ya what's your greatest fear


(mmhmm)


okay


(mmhmm) (mmhmm), I think I know what you mean


(uh huh), ah


back when you're a, oh like when you're on a highway then you just suddenly going to go down that feeling, okay


it's okays, !hais!, everything


I think it's not everything that could go wrong, okay like may maybe my most unluckiest point of time I guess if that's what the question mean, (pp;) like there was a point of time I was struggling with exams and my family problems and then I'm really caught in the middle so it was a very major exam


and then, I was really hoping that like if I work hard for my major exam then everything will go smoothly and well, and but actually it got worse after that like right after my exam then


a lot of disputes happen in my home and then ya it was just everything that could possibly go wrong did go wrong like, that period of time was very painful, and like, things that expected to be get better didn't actually turn out to be very good and then ya


I just don't know , like ya ya it's just, okay never mind what about you then, ,


(mmhmm), ya


okay submit okay


oh so do I send you these wait ah uh, eh, oh the next one, oh okay, okay


oh


part two experiences, uh, what makes you want to be alive


I think for me it's quite similar also of like it's like all the friends and family members around you and all the interesting experiences that you don't know what will happen tomorrow and bubble tea, like so many stuff that you can get to enjoy and experience makes you want to like look forward to the next day


okay so like what is a skill or ability that you are secretly proud of having


(hmm)


that's very good eh, I think like what you have is very cool lah which is like something that I want to have uh so like uh skill that I'm secretly proud of having it's like uh


I can canoe like I have the cert that I can canoe but it's like nothing, no but it's like I feel that that is like something that I'm proud of having cause it's like I can have fun with it like can go canoeing anytime but ya we can go canoeing too


oh should, it's from, no it's for the girl guides badge there's this like


canoeing, uh mod, I'm not sure !oops! if he has right then ya I have to go do again


, okay when did you blush the most


ya


oh ,


, ya I I I get what you mean so I also feel that sometimes too


ya like ya, like when you don't know what to say but ya like I feel bad for accepting also I mean like I mean not I feel bad like you have reasons not to accept but they are too nice lah


uh I think like when I blush the most I think it's when I was embarrassed but there are a lot of times that I did that lah, , like, I guess embarrassing moments like got one time when I was


going to pierce my ears and then like in a shop, and that, like halfway throughout the thing I was I suddenly I was like very scared , so like when I was piercing halfway


like I was okay I was very embarrassed by it but ya I fainted and then, when I woke up like , so my parents was there and then the shop owner was there and then they were all surrounding me and then I was very blank out like the like the embarrassment did hit me at first I was just like why why why am I on the floor


, , , I mean if I see the shop owner I will feel embarrassed because the shop owner recognizes me I think I think which is very bad but but I was very young wait


okay I don't know, ya it's like quite stupid but okay err what is your favourite activity to unwind and relax


, [ho], (mmhmm)


uh ya ya ya ah Dalgona,


it's uh good you have a lot ah, continue,


ya, the same like I also watch netflix but then I watch K dramas and, ya I'm like recently watching kingdom which is very scary it's the zombie


it's very nice but I always cover the screen with my hands like all the stuff appears ya but I think the plot is very interesting but, because I I I can bear with the movie because I skip all the very disgusting parts but if I watch it if I like without covering it right I will have nightmares I think


ya it's very refreshing I think it's like better than a lot of K dramas, like better than all the conventional stories, , netflix originals stories very nice like


and like their their their story plots are like it's not like very normal how do you say it's like not normal in a good way, yeah, yes


err I just listen to music and then I just surf all youtube to watch a lot of Mukbangs but I get hungry after that , so it's not a good idea


but it will just, , I think like they are certain Mukbangs that ya ASMR okay ah ya ya


I think you need to watch like certain people's like account some of them are like quite boring actually but there are like certain people that they eat very interestingly and they made a lot of sound effects or like they got scalded by hot food and then they just like react very funny


like ya if you if you if you watch it right it's like there are some korean Mukbangers ya, ya very interesting to watch you can just go and research on them, but that ASMR I think is just that one you have to depend on your preference cause it differs on everyone some people find it super weird


okay, , (mmhmm)


that itself is very grand eh like something that you do especially like struck everyone then they are just like !wow! but uh


but you work hard, ya, mine was also not like something that can shut everyone up it's sort of like, it's like they belittle me but then I surprised them okay I'm talking about like my family members lah cause it was a time when it was a time when I like went to korea like just with my friend the two of us


but then like my family I'm like, but my family members think that I'm very in like uh dependent on them and like I won't ever survive by myself outside in a world alone so it's like they didn't even expect me that I will ever think of going overseas or I would go for a like


SEP, and ya then when the thought that I actually when they knew that I actually booked all the flight and the hotel behind their backs right they were just like !wah! you're for you're for real going just like yes


, I I think it's more of like I want to just break free from all the very stressful ya like I didn't purposely want to like


you know surprise them also ya, older brother


err ya actually that's one of the reasons that's why I'm seem to be very, dependent, !hais!,


ya, , ya we can compare ourself, okay, what is your best surprise


ya, I think


(mmhmm)


okay, that's nice , , I think it's also like a birthday surprise like


like it was that surprising cause uh my friend gave me a big unicorn but then she brought it all the way to school, like was in secondary school and then ya it's like the unicorn is very very very huge so she took it on like public transport and then like


she pass it to me in school and then she was very embarrassed by it but then it's like I'm like very shook that you can bring something so big to school cause like, it was like very funny but ya, very touched by it lah, (mmhmm), and like


(uh huh) continue, ,


, (mmhmm) that's a very pleasant surprise and you can stick some stickers on the balloon


okay so despite the ongoing global uncertainty what makes you optimistic about the future


, ya,


(mmhmm), (ppc), yes like very common nowadays like you see all those sanitisers and everything everywhere


but I think like the thing that's optimistic about future it's like everyone helping each other out it's like all the I see all the local bakeries that they just make all the tiny goodies for all the hospital nurses and doctors


which is like something that's little but can like, like show appreciation towards them which is very very nice and then the way everyone works together, can really like help to resolve this COVID nineteen faster


ya everyone doing their part also just for it to faster end it, (mmhmm)


!huh!, stop the button right okay


part one financial related topic do you have a saving account


uh my I have a saving account it's like I use it to spend money also it's frank OCBC debit card so like I save my money there and I use it to pay for whatever I need to as well


the it's like a teenager account for those uh with OCBC so my previous account was young savers then when I above sixteen then I change to that, the return rate very low but and then it has rebates but it's very minimum and then like you need spend minimum four hundred then you can get the rebates so it's a bit impossible for me because I don't really spend that much


I don't spend I don't pay for most of my expenditures so I don't spend four hundred per month so I don't get to enjoy the rebates lah so it's just a saving account and then I have the card got a paynow function, ya very convenient , do you have a credit card or a debit card then


, uh I don't have credit card my father offered me to offered me one but I scared I will keep spending cause credit card you pay at the end of the cycle so you won't really know how much is deducted every time and I'm very I'm pretty bad at tracking stuff so I don't get credit card


ya ya ya ya ya they will receive the all the transactions so no but at least if you if if you were to own a credit card yourself right like you the main card holder you prefer cashback like points or miles


same, (mmhmm)


oh same, same same I also prefer cashback cause like can get the discount immediately then points right some sometimes you need to you need you need to accumulate a certain amount of points before you can redeem them


then the reward catalogue right might not have what you want also so it's bit pointless sometimes so I prefer cashback also, I I think miles right if I grow older next time maybe like if I do go overseas often or like for business related stuff then it will be worth it lah but I have to spend a lot also ah to get the miles


ya ya so it's not worth so I think cashback cashback better right ya, oh ya then I feel like, the type of credit cards like people should be using right it's really depends on what kind of expenditure you have so like if you are family person you pay for all the expenditures then I think you should get those family card they have a lot of areas of rebates


ya like groceries shopping or like then if for us right maybe if we want we can get those young I I think I, think there are some cards for for like teenagers one like for spending mainly for spending for like like zalora all this


ya, oh ya ya, ya it's quite hard oh ya ya ya but I mean next time lah next time okay (hmm)


do you have, do you have experience of like insurance do you know much about insurance, !wow! oh oh but what is it for like the insurance what's the purpose of the insurance


like the thing you know about, so if it


, oh , oh I see


no I don't to be honest I don't really I I never really go plan and look for what kind of insurance are available ah so I think I have but it's like my parents are the one paying for it


I'm not very sure what kind of insurance is it but I think it's those like you put aside some money every month, then by a certain age they will give it back to you at a higher rate think just for your savings ah so like next time you will still have enough savings for rainy days or like in case of any emergency but I I don't know yet my father said like twenty one years old then will pass on


so I'm so not not legally adult yet so I don't know about them , !hey! do you do you go research for like those high yield bank account like those fixed deposit but very high return rates one not yet cause actually like my friend got like intro to me one


it's standard one it's jumpstart account it's actually for mainly for people our age one like the never work no income but then like studying still studying or like just started work that kind so like the account offers


last time it offers like two percent return rate I only recently create lah like recently recently very recently then after that like recently on news they change to one percent but it's still higher but it's still higher than other banks ya still higher than other banks so like might as well just save there


oh got got got got it's just like standard chartered's uh debit card lor but I don't use it I don't use it for spending the rebates quite similar to my OCBC frank one a bit useless lah cause like the minimum spending and then the categories very limited one ya cause it's not a credit card what ya


but like next time you grow old right when you have money right will you put them in a bank or like will you like invest


oh, !wow! I I think


I I mean I heard like some some like investment quite worth lah like not those very risky one not those in newly startup companies but like those established ones already, I think I next time if have money lah now I don't really have much I will invest some lor like in those areas where it's necessary for a society society to live one like


err hospitals or like NTUC you know that kind cause like they confirm they will definitely be there like it won't collapse ah so the stocks should be quite stable ya ya ya but I not sure about it cause I don't have the amount yet so I never go do the research ah


, couples I mean if you want to open up joint account I feel like you must be at the age where you really to marry lah cause


after oh what do you mean ya after after that stage you mean ah ya ya I think yes yes, cause got a lot of things there will be a lot of things that you all both of you'll have to pay what cannot be one partner pay and like ya housing all this and then like expenditure like basically household expenditure household expenditure [;lah]


I think my parents will have one also lah like for us also like if they wanna raise us they wanna feed us they should have also they should also have like a joint account for that so like every month you set aside some money then next time so it won't be


uh you'll have you'll you'll have a perception of how much you left to spend with yeah so you won't like spend everything then next time not enough money so I think yeah should have joint account how about you


, uh, contributes more ah uh


oh oh okay okay, ,


true true, oh true true I think you should also have like your private account lah like joint account for household expenditure then private account for your own things like next time if you ya if you want to buy other stuff you can't possibly use like if you want to buy stuff to


for your own luxury then it doesn't make sense to use the the joint account money should pay for what you ya, , oh ya true some privacy also ah ya


so I think but I think it's still good to have lah but not just that account lah if not ya like what you say lor there might be some disputes uh conflict, but like next time right if you have a child right


what age right do you think did you get the ATM card when did you get yours, how old is it, nineteen


[orh] [orh] [orh] [orh] ya, ah true true cause most of the stuff your parents pay then in canteens also don't really cannot really use card also I think I agree with you like cause at nineteen you have friends then somewhat you will be independent as in like you don't have you don't need your parents to go go everywhere with you so you go out with your friends


then actually I I regret I got my card quite late, then I realised right actually some of our friends right they use card to pay right got some form of like rebates or like got special uh offer if you use the card or something like that I think I regret I I actually I would have uh I prefer to get the card a bit earlier


so you can make use of it then you can get to know more about the cards also so like next time you'll know what kind of cards to apply for like credit cards lah ya, , !wah!


uh what what kind, oh uh ah wait force as in like your parents really want you to have it lah


[orh], ya ya cannot ya, [orh] so do you use it often


so so you use your debit card more often ah


oh, , oh actually actually I use as in like I'll ask my parents first ah cause if I use my father's card I need to ask for the one the onetime password and things like that so I asked him I think very worth leh when you buy expensive stuff cause my father got like the family credit card


like if you buy expensive stuff like clothes if you buy a lot lah or shoes very expensive bag so whatever is that then you use the card right you can earn rebates so I think quite worth but I pay my father back later lah ya but that's how I make use of the credit card cause anyway you know I used to work at


a bank right ya I used to work at a bank like the credit card department actually what like those people right they earn a lot right their cashback [orh] really quite high one eh, like legit quite high then I I see already right I come home cause my parents don't really use they they never they don't don't they don't they don't use card last time one they all use cash like they don't they not used to it you know


then recent not recently ah but cause sometime I go then they apply one then I keep telling them next time use the card next time use the card go NTUC everything and then use card cause hor !wah! legit eh the cashback it's like free money eh why don't just take it but then you need need research ah cause got some right got a lot of terms and condition got some


you know like the MC code like they say cashback for restaurants right it's not for all restaurants one so you must read the terms and condition ya quite important, yeah but important sia like next time if if you argue right they always refer you to the terms and condition then you realised actually it's cause you never read


so ya, uh, wait your school fees do you use loan


[orh] [orh], I don't mine mine is my uh my parents just pay credit card like that ya


ya, I don't think so leh I I think those for this large those large amounts of spending one right they won't uh give you rebates cause our school fees so expensive four thousand plus if got like one per cent of that rebate it's already quite a lot so I don't think this kind of areas they got give rebates


cause to be honest as long as we're like PR like as long we're singapore citizens right they got give quite some subsidy already so I don't think have rebates anyway do you do you save do you like have the habit of saving


!huh! oh but when you work where do you put the money oh okay


uh ya as in I got work during school time like at the cafe then ya ya but it's not a lot lah cause I only work a bit only it's like for fun one


not very long hours and just like for a while only I use the money to like to earn extra pocket money then I spend it on like cause somethings my parents don't pay one like if you go out with your friends you want to watch movie, you want to eat good food all these like I pay myself one so I use the money that I earned but now I'm working also but I'm not spending a lot cause I don't really get go out with my friends during CB


so I save it up lah but I think saving up very important cause you wanna get the if you want to get the return rates right you must have a huge amount then you can earn back a lot not earn back lah but like you can get the interest you know ya anyway what do you think like is one thing about uh singaporeans spent a lot on like in general


ya oh same eat food all this ya I feel like the the okay just now ah they including us right we very used to, spending on all these luxury goods like to me bubble tea is luxury good cause it's quite expensive like you can just buy one five dollar six dollar plus you can afford a meal ya but people still buy it


ya ya ya ya so we'll still end up like paying a lot for it lah but we don't mind cause I think it's just the trend or something I think its something ya ya that one thing also


err so like uh hold on uh


oh I feel like the people nowadays right they don't until they reach a certain age then they will start to save up money, cause in the past right they don't know how much like they don't know how much people will like they don't know how much their parents are paying for them like when in the past I won't go and search up how much is


how much is uni how much is school how much is house how much is the house right but now that I realised right how much it is ya then I realised then I I will start to panic ah ya that I'll need to save up right


part three negative experiences, , I ask


uh what frustrates you


now I can understand I understand you it's like you do a lot of things already but you still cannot get what you want and even after reflecting you don't know what to change uh that's quite sad


but something else that frustrates me it's not more about myself but more of like towards other people is is that when they're very inconsiderate in public area in public places ah


for example there's quite a few things that, that offends me a lot or like on MRT train cause I take the I take public transport to school everyday so like one thing is that


uh number one people like when there's an elderly in front of you like obviously there's one and you are not and you are like quite young and you are not sleeping you are not even pretending to sleep but then like when when an elderly boards the train


standing near you it's like within your sight one you don't stand up I think it's very annoying cause uh personally I have I I felt, I kind of can relate why like old people need the seats like sometimes we are not feeling well we are not feeling well you really just want to sit down


like maybe your leg hurts or like you've been standing for entire day just wanna rest you haven't had food for a for very long you wanna rest you can just imagine like in the perspective of like like put yourself in those elderly's shoes right they're much more like fragile


and they don't have much as much muscles as you so they stand awhile already they'll feel very tired already so like ya I just hope people would be more considerate lor ya and also ya I just say one more thing like when when MRT haven't stop


when MRT haven't stopped right there's a lot of people ah very Kiasu maybe it's just singapore's like singapore's singapore's personality ah they're very Kiasu MRT haven't stopped then like they'll make their way to door they'll rush there so during peak hours right


the train sometimes quite shaky then you are holding on to the handrail then some people will want to squeeze their way through before the before they arrive at the station I think it's very inconsiderate cause


it's just very annoying to have people like squeezing squeezing through you when the train is still moving uh it's just like I I don't get why they cannot make their way when the train stops after the train stops it doesn't really make a difference like ya


ya that's that's what it's frustrates me , ya just go on to the next question what's the worst thing you've witnessed and kept quiet about


, , maybe I'll I'll share first uh


I won't say I won't say is the worst thing I've witnessed in a sense I I don't have a very vivid memory of what of an incident but, but one scenario would be that uh one scenario that I will keep quiet about but actually I feel like I want to do something about it but I didn't do about it is when people are fighting uh in public spaces like when you see people fight right


you might feel like uh like it's a nuisance or like uh you feel for one party you feel for like you feel like when you hear the argument sorry you know sometimes when they fight they very loud it's not like I I eavesdrop but you can hear


ya ya so I'll feel like I'll I'll want to like stand out to say my own point of view or like to protect someone I I'm I'm I'm talking about situation where strangers fight ya not like personal family or like friends


like strangers fight like maybe like someone was rude or someone steps on someone's shoe then someone complain that kind that kind of situation I'll want to like step out to say like uh it's okay ah like try to like make peace ah so like the person won't be so angry but


but then like I won't dare to do it cause at that moment the person should be very angry already or like very annoyed so if I if I just if I interrupt right they might the person might feel even more angry ah so I feel like sometimes I want to make peace but I might make it worst so I don't dare say anything


but it's not really a worst thing lah but it's just something that I will want to step up but, I won't in the end eventually I won't , , a stranger as in both parties also strangers like both party to each other also strangers but it's just that it just feels weird lah to cut in a convo especially if they are fighting ya


oh,


(hmm), ,


, like,


ya in this kind of situation a bit hard to help also, oh ya if I were in your shoes I would have felt very bad for the lady old lady also


, , do you do you have any scene from a movie like do you remember any scenes from any movies that made you very angry then you don't want watch already


can you share some


no I I I don't know I'm sorry but never mind you you can describe


(oo), or is it is it like, you don't like how the plot goes like why this person do this why this person do that


I don't really have a I don't really I don't really recall any scenes, that would actually that actually made me very angry I I mean when I watch shows I do have I do have feelings lah I will I'll get frustrated I'll get angry I'll get sad but I don't really remember any particular scenes but I guess like the closest thing is recently I watching this


it's not a movie though like ya , like ya I don't really I don't really recall any experiences like uh any scenes from any movies


, I didn't ah describe the time when you were unable to help someone in need


ya that's true, , I don't really remember any time where I was unable to help someone in need because in the past I might feel very affected like if I see someone who needs help but I'm not in the position or I don't have the capability to help them I'll feel very bad


but as I grow older I realise actually it's very hard to help everyone so I don't really remember any times where I actually felt very bad,


ya, I just skip this uh what's your greatest fear


, , uh similar to yours but it's not to be rejected but it's more of like err being alone uh being lonely I know there's a difference between lonely and alone


alone is sometime it might be good for you you just away from your friend but you still have friends still have loved ones, I guess I'm just afraid that for now that's uh people are just accepting me because they need me as a friend or like it's just very superficial you know sometimes when you have troubles right you want to talk to people you always find the same group of people that you talk to


you don't you don't go find other people but like as times pass right you'll just I'll just scare like uh the friendship will breakdown and then next time if I have troubles right I won't have anyone to look to


I I mean I'll I'll I'll always have my family ya cause we're all blood related and ya but sometimes it's just very hard to relate to them like very hard for them to relate to me I mean, like they won't to understand what kind of things I'm facing and why I'm feeling certain ways


ya so ya I just I guess I'm just scared that like at the end right there will be no one who actually like really understands me and like really supports me genuinely ya think I guess that's my greatest fear for now


physically got a lot ah height ah insects some insects ah and ya ya, I think for uh one thing right it's like uh cause I scared of height so I don't take roller coasters I've never taken it last time but I took it once because my friend managed to convince me do ah so I took it once


till now I still have a bit trauma still have a bit of trauma you know sometimes when you sit on the bus or like the back or a taxi or car then you'll you can see like sometimes like the road will go there's a lot of slopes and stuff right


then from what I view right if you imagine you are not in a car you're on a roller coaster instead right it feels exactly the same so ya ya so like I know people I know next time car will be very convenient like you should get car if you can ya get license and things like that


I think right I'll never pass the driving test because of that, ya you just the you just come the fear comes to me anytime like it just comes to me at random moments so I don't think I'll be able to drive next time ah it's a legit concern ya


ya ya ya ya ya when you go suddenly you see you see the road it's just like ya that would remind it remind me of like the roller coaster but it's not that bad but it's just I think next time if I'll I want to learn how to drive it will be it'll be an obstacle


ya but it's okay I'll try , describe a time when everything that could possibly go wrong did go wrong


you have, but then a lot of things


for for me I can relate to you to some extent lah cause sometimes you'll fight with your family or like sometimes your family members will fight with each other ya for me when I fight with my family right there'll always be a cold war so like


I won't talk to the person I'm fighting with ah and just it just feels very horrible I understand how horrible it feels or like if your parents fighting or your sister fighting with your parents it's also very awkward cause you don't know


like the atmosphere will be very tense and very quiet then for me usually I'm quite talkative and loud like I will I will talk to everyone in the family and when such thing happens I can understand how how bad it is cause like


it's just very awkward to talk to anyone cause everyone's in a bad mood and that whole situation just very tense like if they haven't cool down it's very hard to like to be back to normal like ya but I guess


err I think, there are many times where I faced like a lot of problems at once lah but I think like the problems that actually affects me the most is like what you say like family from family or from friends


and most of time it always clashes with like academic cause we're studying ya so it just affects everything it affects your mood then you don't feel like going out like some sometimes like when something happens at home and just nice you have a party planned


that night, then you feel like if you don't go you miss out you go you also not in the mood to like talk to everyone or like especially if those kind of party it's the like uh it was my CCA meeting ah so like it's very awkward like


if you cause we don't meet often it's like maybe once in a year thing ya so and then it's a time when you meet everyone then if you miss it you feel sad also but you don't really feel like going also so like ya it's quite horrible


part two positive experiences, okay this might sound very cliche but the loved ones around me and my friends makes me want to be alive as in I'll look forward to having fun with them to meeting them and like doing things with them


and also to do things that I love, and to eat what I like it keeps me alive ah it's very simple ah ya how about you


, , (mmhmm),


uh I don't really have a skill or ability that I'm secretly proud of having but there's one thing that I don't tell people like I have this ability lor but it's just that


I don't know if it's counted as a ability ah but I feel that I can self heal so it when I when I very troubled or I face like tough times I might sink into like very dark


I might feel very sad and depressed or annoyed or frustrated but after that right no matter how long is it I will recover and I'll just be positive again I think that's one thing that I really glad that my I'm very glad that my mind works that way that I don't stay in the depression state you know


it's not really it's not really a thing I'm secretly proud of of having ah how about you do you have, thank you


!wah! I didn't know that


no I scared of water but I didn't know you I didn't know you have the canoe cert when when like why why do you decided why do you decide to do that like to get the cert


oh that's damn cool, but I thought got expiry date one the canoe cert does it


oh, it's okay you can go find someone else who also canoes then had you all can go play together but I didn't know that I guess that was a secret


, , blush, , okay uh just recently right I think I blushed the most when


I'm saying a white lie it's not a really the the feeling it's not really, uh embarrass ah normally people will think if you blush means you embarrassed or you are shy but for me it's not eh it's just it's just feels very weird but I mean like white lie ah cause that time uh recently got someone


I work at hawker I work at hawker I pick order food and pick up food then the one of the hawker offered uh to give me a free pack of like rice ah #char siew# rice, then I rejected then I then then they ask why but I didn't want to say why uh the reason was because I didn't feel like eating rice that night


then I just say I just say my parents got cook then my whole face damn red leh it's, it's not cause I shy but it just feels very weird you know very #pai seh# very embarrassed to tell the person why I really don't want like ya


, ya like people offer you things but then you want to say no but you don't know how to say no properly , ya ya ya, ya


, got one example


(uh huh),


oh , okay, uh okay I I I've never fainted before but I think if I were in your situation I will feel very embarrassed also to wake up and then there will be so many people surrounding me but actually just from ear piercing


okay but it's quite funny but now you look back at it right it's actually like a funny experience you don't feel embarrassed about it anymore do you


oh okay I hope you can avoid the place forever, ya it's a good experience now that you are talking about it like this I think it's a good experience ,


favorite activity to unwind and relax err I'm don't really have any hobby so I don't have a particular activity that I always go to when I want to relax


so there's like a range of things that I do, I just do it when I feel like it for example I I run but I haven't run for like very long but I think, I enjoy running not just to lose weight or like to keep fit but I enjoy running and but sometimes I just feel very lazy I don't I don't want to like dress up in my uh running attire and go out so I just stay at home then sometimes I'll feel like


uh cooking but not the like make instant stuff you know uh you know you know there's a lot recipes online those very simple ones or like those trending recipes that time got the Dalgona is it Dalgona I don't know how to pronounce


the coffee ya those kind of stuff !wah! I'll be so interested to like follow it's very simple as along as you have the ingredients ya just I'll just do it ya, I think quite fun lah this kind of activities ah don't have a particular one lah, oh ya and I watch


and and I watch and I watch netflix also, cause now is holiday period so I have a lot of time to like catch up on my whatever shows that I missed out and I recently got I got netflix like last year only so I haven't watched all those like famous series that people always talk about those


like big bang theory all these so I finally got a chance to like watch ah then there are many seasons so I'll just keep watching lor like I'll be addicted to it, ya how about you do you what do you have like a particular thing you do when you are free


I don't oh, oh is very nice it's very nice I watched it


oh ya it's very dark it's very, ,


but the plot is still good ah, , oh but is it's netflix original right it's not a ya that's the


it's very exclusive I feel, like, it's not cliche I understand I agree with you other other than that eh any other things


, oh oh, I mean I know I know


I know quite some people who watch Mukbang who enjoy watching Mukbang but I don't really get the joy of it or like ASMR, ya I don't really get why people like to watch those


, (mmhmm), [orh]


[orh] so it's, , maybe I, maybe I'll go try I'll see


me I think he's I think it's nothing interesting ah but yeah I'll go try out then


oh the question sounds a bit mean want to shut everyone up ah comeback ah


I can't think of any that I remember eh I don't really have a comeback I think, oh, ya, ya


uh I guess the closest thing I have it's like uh when I was in JC my results are horrible like really horrible I was very scared I couldn't get into a university but actually my results turn out fine


like my english I always my GP I always fail but then my results was A so I was very shock but it wasn't a exactly uh okay I I feel that it's a comeback ah but it doesn't shut everyone up


I don't have the intention of like showing off to people that I can do it but it's more of I'm very grateful to the people around me who actually help me with it especially my english teacher or like my friends who actually uh worked with me to do like to find examples for essays and things like that ah


ya they they were they were surprised I think my friends were surprised my teacher was surprised also so ya in a good way ya so isn't to like shut everyone up, how about you


oh in a good way


, oh,


[orh] oh I think that's very that's a very good like skill you not skill but, like it's good that you're independent like to this extent


oh or maybe is it cause like do you have a brother like older brother or sister


uh is it like usually cause he's the one doing all these things, oh, actually same I have a older sister she's the more independent one so like she'll help us book all she'll do on settle all the admin stuff when my family goes overseas I I won't do it


like I'm I'm not needed to do it ya so I think it's like a stereotype people always say like the older ones are the more reliable one, but it's not true but ya good job


that's a the question means like your question means best surprise as in, best surprise that happens to me or, oh !wow! (hmm)


I don't really remember of any surprises that I have oh I think the most recent one, was uh my my birthday was during err was during circuit breaker so I couldn't meet anyone


uh I have I have my family lah at home mah so I celebrated at home with just a meal and a and a cake lah which was very hard to find cause that time the all the retail shops not open yet so like, it's was very hard to find like a piece of cake it's just one slice also very hard


so a surprise is that uh at first I I didn't know my friends have my address, ya I didn't know my friends would have my address so I didn't expect any I didn't expect them to send anything to my house


so I thought it will just be online to wish you like happy birthday things like that so I felt quite empty but I but then they did surprise ah like my friends got send uh gifts to me afterward so I was very surprised like eh how you get my address


ya but it's a pleasant surprise lah, how about you do you


to embarrass you


I think people buy, , I think people buy balloons on other people birthday to embarrass them like the main purpose they embarrass them cause they need to carry around the whole school all the time


oh ya but it was a it but I believe it's it be a nice feeling lah cause at least they thought of it and ya, , right I received one like that


ya I believe the on going global ones certainly you're referring to is COVID ah


since we have been we've been through so long of staying at home like phase one of circuit breaker


I will expect some effect like some uh effective results, from it so I believe it will die down soon and also with this virus like being such a huge thing right everybody now now knows about it and then they will try to find a vaccine for it


so the good thing is that next time if it comes around there's a better chance of tackling it so everything's fine so we just need to bear the pain now, afterwards it'll be the same and or maybe even better ya I I think people will appreciate more about going out


and meeting their friends they won't take things so lightly and also like hygiene like basic hygiene purposes like washing your hand before you eat and after you eat ya so maybe more people will carry around hand sanitisers I think that's a good practice


and when you are sick you wear mask I think that's a good practice also ya,


, ya I see I see what you mean ya I agree like, like facing this crisis right everyone comes together it's nice to see that our society can actually be this united ya and that people are like keeping the rules like staying abiding by the rules


(um) (um) ya and showing their appreciation think that's very nice


pressed, financial related topic


okay so we start sharing our knowledge based on uh the nine pointers here correct so maybe I'll ask you leon uh do you have personal insurance


okay who are your providers, this is for health


okay never mind so endowment, okay okay and how is your experience with the policy,


okay, and health


okay can okay so for me I have personal insurance uh I am with NTUC and great eastern they are whole life my coverage is on critical illness and


basically medical insurance protection needs uh my experience with it is I understand that insurance is well, insurance is vital for protection coverage and needs okay let's move on to point two do you have an endowment plan you mentioned that you do and you mentioned that this is either with AXA or AIA correct


how was your experience with the policy you just left it there, okay, okay, I do not have an endowment plan I do not uh buy into the idea of endowment plan I do not think that the yield is worth me putting in there for ten years I think they are other investment instruments that can yield higher yield


uh I am okay to be a little bit more risk taking in that aspect okay next point do you get insurance when you buy a car get a property travel overseas children have children engage a domestic helper


engage in commercial activities, (mmhmm)


okay so your experience your experience happy good,


okay very good so I I do not have a car but if I were to buy a car I will be I will get an insurance I think that is a that's a uh given and I think that is essential actually getting a property will I get a mortgage reducing term


uh I may consider traveling overseas I do I buy travel insurance having children it's an almost a necessity given the frequency that children will will enter a hospital alright engaging with domestic helper I think this is a pre-requisite also so yes engaging in commercial activities


I don't know what this means commercial activities, , I see so, do you mean like liabilities and fire property then yes so general insurance then yes of course I would okay next point what do you look out


for when you're buying an insurance and do you see insurance as essential expenditure,


benefit,


oh, (ppc), okay do you see insurance as an essential expenditure, okay, okay uh, what do I look out for when I buy insurance I only look for one thing which is the protection coverage so similar to you I look for critical illness the number of uh illnesses listed I look for price point I look for


one thing also to know is how how uh seamless is the claims process so it would be a lot of checking online to see how the claims experience are for different insurer so that is one one vital bit


do I see insurance as a essential expenditure yes I do for protection coverage only for for now lah in this juncture of my life okay so what kind of insurance are essential for people of your age


I (ppc)


okay can so I am in my early thirties this would be a stage where uh people are settling down buying properties so to certain extent mortgage coverage is important I'm at a stage where


a lot of ladies are giving birth so getting a coverage for pregnancy and for children for infant is also crucial so health and medical insurance is essential okay what percentage of your income do you spend on insurance


and how much coverage are you getting from your insurance, okay, how much coverage are you getting for your insurance


okay can so I spend similar to you about ten to fifteen percent uh my coverage is about seven hundred to eight hundred very similar do you get insurance from a single insurance provider or do you pick and choose insurance product from multiple companies


and why


ya, okay understand I do not buy from a single insurance provider reason being insurance is a very insurance product is very competitive and it it it doesn't vary from very significantly from insurer to insurer so it's at that point of time


who gives the best deal and I have a FA agent so an FA agent sells across different insurers product so on that sense the cost benefit analysis is is done for me to a certain extent


this is a cost so you get the best value for what you you pay for why do you look out for an insurance agent what questions would you ask your insurance agent when getting an insurance policy,


okay so I depend on an agent because the agent is a subject matter expert and this and I I tend to prefer FA agents over tied agents for the reason they have that breath of insurers they can


they can sell products of right uh what questions would you ask when getting your insurance policy , I would ask first and foremost price point I would ask whether I'll ask for a review on my portfolio before I I start on uh considering an insurance uh getting an insurance policy if you are an insurance agent what questions would you ask your clients when planning


the uh planning their insurance coverage


okay very similar I would ask for a portfolio review so I would I would want to know what are your existing coverage and I'll identify the gaps and I would want to know where your goals and aims are and if you have


uh certain liabilities and uh that you need coverage to look after okay can so I think we concluded nine topics, tap on your phone


sorry #li ting# do we go ahead and submit this, , oh I have to okay are we talking about the same so same questions


oh right okay,


I don't subscribe to term to me it's, okay I think because I do not have any beneficiaries at this point term term policies, they there is a uh usually the expiry is till seventy and because life expectancy is a lot more right is a lot higher so very rarely do you find certain uh there's only a few providers that stretch your term to like ninety nine years old but by and large its always around seventy to eighty


I don't like the idea of buying into a non cash value uh product, and investing the rest but at the same time I can understand the rationale to buying term and investing the rest uh, I know individuals who are tech uh more investment savvy they do not believe in they do not subscribe with the idea of you know putting your money with an insurer and having the insurer take on the risk and decide


on your risk on your your investment strategy right they prefer to do it separately and let term be a coverage but it very much boils down to the fact that I do not have beneficiaries that uh you know that that I see


I should be buying term for cause term doesn't cover you for ya in that sense lor, ya your your views


(ppc)


okay next point do you have a ILP, I know you do why did you buy your ILP


how often do you do a fund switch, okay, okay, I do not believe in ILPs I find that this product quasi insurance and investment products do not make sense fund switches rarely happen unless you you your agent or you


uh very proactively checks on on you know the the the market and and gives you a quick uh uh uh a very proactive update I like to keep it separate in that sense,


okay so obviously not which is exactly why if it was so good uh and with if if the government has this cradle to grave kind of uh approach and coverage, then there's no need for for private insurers uh a market for it even so I think the scheme itself is sets the baseline but


as we know uh hospitalisation cost is on the rise year on year on year right the coverage itself does not will not suffice will not help uh will not be adequate in that sense yeah so that's why there's this need to compliment


and that's precisely how that's precisely why insurers are still in existence in Singapore right, and your views


okay, one minute uh would you approach an agent when it comes to insurance planning or do it yourself


okay can, well done okay, [oh]


part three negative experiences, you also have to say


uh I'll touch on what makes me stress what makes me stress is , is when, there is a unrealistic dateline I think when you have your stakeholders demanding certain things uh all at once and they have very unrealistic timelines


even though you push back uh it seems like there is not uh it seems like there's a no no two answers to get around it I think that's when it really makes me it puts me over the edge I I deal with this on a very daily basis uh I have


multiple stakeholders looking for me at once demanding that what they need is is uh of dire importance , and to be able to give them what is required and sometimes it's a above and beyond service really takes a piece of me out


so so that itself is is is indeed a very stressful kind of experience that I deal with on daily basis,


is your girlfriend,


one of the most traumatic incident was uh, was actually a ex-boyfriend of mine that uh left me at a state where, you feel extremely vulnerable incredibly helpless you feel like your self worthiness was stripped to bits and it was a series of events that led up to it uh


it was an emotional turmoil , and I think what made it worse was it happened the person closest to you the the person you trust the most put you in that situation so for me that was the most traumatic incident


and you


kay, I'm I'm slightly different from you so I in that sense I prefer not to see, my uh exes I prefer to close it, on a text, ya


ya, ya


yup, yup


okay, ya, right, right


did your voice change, so


okay, okay, okay, let's move on , describe a time when nah I think we done something like that already


describe the saddest scene you have witnessed okay I'll go, uh I saw a man suicide, ya I I guess that's the saddest scene I've seen I saw his lifeless body on a hedge a bougainvillea hedge and I saw the thorns prick right through his skin and his lifeless body


on top of the uh the plants, uh not a scene you will forget I saw this when I was ten years old just one of those things that you know its sometime on on occasions you get flashbacks it happened where I lived so


I still pass that location everyday and it it becomes somewhat like a you know like a like a where you where you pass it you just automatically it triggers that memory so, that was a very sad and grotesque scene


kay, , uh describe a a time where you felt when you feel like nobody cares for you about you, , if there was even a time it would be


in uni days when I was living abroad, , I think that the whole the the the distance you have when you're not close to family and you're not close to your core group of friends and


being alone there , triggers a lot of very very negative, emotions and sometimes you spiral so, of my years living abroad it was, fairly traumatic


I think it was one of the the the worst periods of my life uh what should have been the best period ended up being the worst uh when you're aimless and we when you have no friends, ya you and and your your uh your your boyfriend is constantly cheating on you ya it was you feel like you're very much alone


okay,


okay do you have any phobias and how did you overcome them


okay, okay, I, have a phobia of snails and slugs and, I cannot overcome them


so every time I see them after the rain, it really gives me the heebie jeebies like I I feel I I can feel every hair on me stand, so describe something that you watch or read that gives you goosebumps uh watching a snail cross the road gives me goosebumps and watching a snail crawl up a wall


gives me goosebumps it's the whole sliminess it's the whole, that very alien like protrusion of their it's not antennas I don't know what you call that


that feeler, is, even thinking about it now is giving me goosebumps uh this phobia was since young, okay describe a time where you feel like you have committed something gravely wrong and there's no way you can get back and start over


I have , I I I felt like I have okay not not committed but I I felt like I was uh rude to to certain people that I shouldn't have been


, to me that's that's a gravely wrong kinda start on a relationship and I wish very much I could go back in time and start over but you know sometimes the damage is done and and things things you don't get to to fix it's like a it's like a broken glass


essentially, what disgusts you,


okay, so very similar to you, I absolutely hate, and feel very strongly against, people who, who are abusive towards animals who abandon animals who are who are


ya so in these two accord I they disgust me I don't think that they deserve to live I feel that there should be capital punishment, I feel that, they should


they should endure the same treatment as they have done with animals these individuals are not humans they are, they are just disgusting, individuals sorry not even individuals they are just


beasts right they are just below any low low life form on earth so that's my view, uh in a post COVID world what are some worries and anxieties oh


you face I'll do I'll do this one quick (um) the fact that there will be a super bug that'll come into place is a worry of mine okay time's up, stop


cap, positive experiences


and what's funny is your girlfriend had no idea you were err, you you had you know this this childhood longing for a mcdonald's theme party, so we fulfilled, ah indeed so we uh you had your your McDonald's party at age thirty eight at uh at uh


at mcdonald's , am I right , ah, okay uh my best birthday present, oh this is not not party but I guess that that that is a gift that your girlfriend gave you as a birthday present so to speak right


the gift I see best birthday present , I think it would be uh a bespoke ring that I got


last year so the ring was uh designed and it was selected by by myself and paid for by uh my boyfriend and even though I organized the entire thing uh I was very pleased with the end result so


so uh thanks for that okay what is your biggest blessing in disguise


okay, okay, uh my biggest blessing in disguise was to be ostracized by my teammates so when I started working at the place that I am I wasn't liked and


and I was outcasted but that also led me to focus and, be very efficient and do very well in my job, so uh


it led it led me to be very self reliant and it led me to be incredibly resourceful so that is a biggest blessing in disguise what is a comfort food, that you can always rely on to cheer you up


okay, I like #seng kee# until I found worms so


I don't have a comfort food anymore, why what do you love most about yourself


so, so, so you like that you have a more positive outlook and you have that clarity of mind to


to decide what is your battle and what what you should invest in and what you shouldn't okay I guess what I like the most about myself is the ability to uh be self deprecating , to laugh at my own expense I think uh injecting some comedy some comic relief helps I can appear very high strung and


having those, moments of laughter when you are just you know it's also almost a a self reflection a self reflecting point , ya I think I think that's something that I I I I love the most uh who in your life do you look up to the most and why


okay maybe I go first then, I look up to my grandfather the most because he is everything that I'm not and


he is a human being that is, one thousand times better than I can I will ever be uh he's a very kind he is very gentle he's very patient he's very beloved by his staff


he has fantastic work ethics in a way where he can balance out business and, , relationship, there's a lot, I could have learned from


so yes he's the he is the the individual I look up the most and you


okay can,


I I think that LKY did what he had to in the given situation, his ways can appear very dracodian but it worked in a setting where we were still developing but can they be applied in a developed country uh scenario I think there needs to be tweaks


so yes I will agree yes I think he is well respected and well revered describe a time where you got appreciated for your hard work


okay, , I, got well I was appreciated just yesterday for a training that I did and it's from various individuals and it was nice because no one really appreciates training so


knowing that there were some good takeaways that my my audience received was encouraging, err describe your perfect day, (hmm)


okay, very wise, my perfect day would be, , would be err of on a wooden recliner in front of


the beach, at seven PM with a glass of crushed iced, and a tall a tall glass of crushed ice with coke and uh with my partner beside me watching the waves crash uh there's something very tranquil about the whole setting I do not want my perfect day to be a every day affair


so i'ts always reserved for a very special moment and that special moment is not defined by anniversaries or whatever its defined uh, it's actually on a spontaneous basis so similar to you I I I don't like it pre planned


but I like to know that for example if we were out one day and then uh we decide that okay we gonna head to the beach that would be a perfect setting for me, describe a moment when (mmhmm), describe a moment when things turn out better than expected


the happiest moment of my life uh was when I I caught a bird with my bare hands when I was ten, that remains the happiest moment of my life


yup that err, so you rescued a bird right, so similar I caught a cuckoo bird uh a aging cuckoo bird that needed some nursing back to health after I nursed it for a while I set it free so that that was uh a very that was uh uh uh


ya happiest moment, one of the most memorable travel experience was


was in Philippines, Boracay so, I went , sorry there's something outside my door okay I I went I went out


into sea and I met and I saw some dolphins wild dolphins and I saw whale sharks and at a moment in time when I was underwater it was, it was being able to fully respect nature and being in all of nature and having that


great deep respect for how a magnificent life form is just underwater so it was so much so I actually had shivers out of uh excitement when I saw the big whale shark and it's huge it's it's it's like a bus underwater


k, what is what is the uh most unique, compliment you've ever received


(ppc), I I've given you many many unique compliments , why don't you share ,


okay, , uh okay, sleep, sleep I used to not like to sleep uh but now if I can sleep I would


for long hours, and you


can you control that, ah okay, okay


okay, what is a skill or ability you are secretly proud of having, , I think you have a lot of things you are very proud of having a lot of uh hidden talent


you can make significant uh , noises upon command, ,


proudest moment would be, I have to say it was when I saved the bird , ya that that still remains well it because to me my values is I take a lot of pride and I take a lot of uh


uh responsibility when it comes to looking after animals so to be able to uh made a difference to what would have otherwise been a very helpless a very dire situation for a bird right and transform it


and to see it fly ya it was it was a very proud moment for me, and you


okay nice well done do we press stop now


financial related topics


I have personal insurance I have got a couple I think you I have first started up with health insurance and uh I have a thereafter I have when I started working I have got a endowment plan


I've got a investment linked insurance plan when I was uh working uh, my providers uh I started off with AVIVA no I started off with NTUC first then after all I'll I'll move on to AVIVA yes and uh that that was mainly because uh they have a special clause


endowment I've got a I think a straight up AIA or AXA, , endowment basically I I I just left it there so it was it was really like uh a disciplined savings uh no frills and uh just very moderated growth


, well health is really uh more to cover my my my hospitalization bills that I that I might foresee similarly otherwise I've got my family as well so ya


yes correct, just really left it there didn't really much of it


(mmhmm)


well I drive so car insurance is is is a is a is a compulsory well when I travel overseas most of the locations I do guide I do get a travel insurance except those those occasional trips to Malaysia


uh when I'm having kids definitely insurance is compulsory I it it definitely the first one I'll get for them is health insurance, I mean when I mean in in my workplace there is a bit of group insurance that covers so I think that helps to supplement a little bit ya what about yours


my experience , I I guess to me uh insurance is not something that I look I look at every so frequently I I I to me I'm my purpose of getting insurance is to is to really a peace of mind so


so once I got it right and if it if it serves my needs and I don't see any changes in my lifestyle I really tend to just leave it, ya what about yours


commercial activities like I mean if I I mean if you're gonna if you're if you're in business I guess you'll get certain insurance to cover that in that aspect, ya ya ya that that's part of it


what do I look out for depends on what kind of insurance uh like recently I'm looking at err life coverage so live coverage and I'm looking at death death cover


so I really just compare in terms of the cost from from no from from the cost angle with the same sum assured across the different insurers uh that will that will be key as well uh, but if I'm looking for a critical illness one then


I might compare in terms of the the the number of critical illness and the and the and the range it covers I think that that to me will be more critical, (hmm), oh for sure ya I think it to to me it's a peace of mind so that I can I can focus on other stuff


, okay


well I mean I think health insurance is a given uh I think that is in fact the most important , I think some level of endowment or or or investment linked is is also good for retirement where it gonna starts I to me retirements planning start about twenty years in advance


well that to me will be the focus I mean other than then the the car insurance motor insurance uh these are the these are the the, uh uh essential one when you when you purchase a car ya


I spend about ten to


thirteen percent of my uh of my income on insurance, all in all ah for death cover I guess I'm I'm covered about, eight hundred eight hundred thousand yes


, okay uh in my in my earlier days right uh I I don't have a specific I tend to buy from the banks other than that but nowadays I tend to buy from a singular insurance agent that I work with that I'm more comfortable with


but uh that being said err certain insurance I do compare across the insurers so, uh maybe a better way to say it is for a specific insurance company I will buy from that one one agent so I might buy from different agent but they all from different companies


(hmm) I think uh, reliability I think I think is very important to me uh to be able to reach to be able to reach my agent quickly and also to have a knowledgeable agent uh that covers the topics that I I actually need him for I think that's two very important factors that I look out for


I'll ask about the life stages their priorities uh what do they have existingly already uh I think these are three main questions that I would ask


I think it's a start for everything


okay


oh


okay maybe maybe let let me continue on that ah okay so , what's your thoughts in terms of buying term insurance and and invest the rest uh this is something that I I I have been thinking about as well for a long time because maybe let's say from you


okay okay, well , I like term I I think is err other than do my own investments I I like to grow my own money so in a way that I I feel that


is more sustainable here a bit I I mean I have both I have both whole life insurance uh which is which is essentially part of which is endowment is a part of it investment linked I have as well but it is after getting these two that I realise that


it might not be something that I actually plan for myself as as I go as I get more knowledgeable in in terms of investing so looking back I I might just focus on term to get my coverage uh


and uh well I I I I got my safety net then I move on to maybe other higher risk products that I think can give me a better yield, ya, I do I do I uh


frankly I think the there are two things that I looked up for my ILP the first is flexibility it allowed me to withdraw if I if I choose to the cash value it allows me the flexibility of


where to invest example asia you know or or very bond focused funds so it allows me that control, uh I did once uh but that was many years ago so I just after a while you just I I just I just I just left it there


okay, okay so let's let let just maybe let's hear from you uh if you think that your CPF insurance coverage is enough for your well your your insurance coverage needs ah like example uh do you know anything about the dependent protection scheme


or medishield life


ya, well I I to I mean I I'm happy to look I'm happy to know that uh when medishield life was first launched I I think it saved a lot of people , one of the one of the key features is not really just on the coverage uh it's also not I think there two main thing that I saw very good things from medishield life uh is that


well medishield life is uh is is compulsory for all Singapore citizen okay and another will be and and that that will really pick a lot of people out from the the pockets that the might be missed out, uh second is that uh medishield life from what I know uh covers pre existings so so so with that for a lot of a lot of people who who is not covered previously


they are now given the opportunity to to be covered at least uh at least up to ward I think B two ya it may not be the most comfortable but at least it provides some a good level of protection to them at least they know they can still get treated


if they need to, , so, I think it's a bit of both because for me I will always I I'm constantly thinking about my my uh my pitfalls so I will be thinking like what are the some of the the the gaps that I might I might have


it is, I mean I I do I do get when I have conversation with agents I mean they did they did ground out some ideas to me but so uh to me is a two way thing I will think about it I I will think about it and then when they when they are had when they are able to give me some suggestions


so it triggers interest and err ya then after we will usually take this further whether we buy it in the in the first place or not it also depends on the competitive pricing uh the advantage and also to see, which insurer offers a a a a a better coverage in that sense and the pricing lah


okay , part three negative experiences okay uh maybe I will start first let's uh I got something very recent err


uh uh uh uh my dad just went through a surgery just yesterday, ya uh uh uh uh it was it was really very unlucky for him I think uh because he's uh a huge a tree trunk fell on him so and uh he fractured his his spine so


ya and and and and it was it was it was it was very hard it was it was when I hear more about the stories when he was first injured I was a bit uh shocked because he was, the the his friends were saying that whether to to contact the the family members uh but but he said that he doesn't want to to inconvenience us so we should have thought that uh is it really so


is he really like this know know family members we should be looking out for each other so it makes me wonder whether first err, as as children are are we spending enough time or taking uh enough care


of our parents so yes I mean he there is he he he's he's he's coping well after the surgery but ya it it it left it left a bad taste and uh it make it make it make me wonder


on on certain things about family relations ya so I think that was that was very fresh for me recently ya


okay what makes me stress , (hmm) I guess what really makes me really stress uh is, no I think what makes me stressed is uh, when uh when when things go out of control things don't happen the way that way beyond what I expected and I cannot do anything about it that makes me stress


ya I I I tend because I'm I'm I'm a person that I tend to plan my things ahead uh I want to make sure that things go at least reasonably well but so when things don't go my way or goes like know or I'll I'll feel very helpless to how things are turning out to be


uh it makes me quite stressed in that sense, (hmm) what's the most traumatic thing incident that you've ever experienced in your life


okay, , my most traumatic one uh yes I mean its also got to do with my ex-girlfriend that was when was in the army so uh when I was in army uh you know army you are you are essentially lock locked in in the camps so you can't really uh go out


so during that bit of time uh we are we are I mean having a lot of problems with my girlfriend and and and and like my previous point I I I hate it when I cannot uh when things go out of my control and uh not being able to meet her in person to to to resolve issues


is uh one big way that I I feel that I'm not in control so so and and and following that I mean we we broke up in a very ugly manner uh but I felt that uh


I wasn't in the I wasn't able to to meet her in person which I felt if let's say I I can I could , I think things might have turned out uh a little bit better I mean it may be it's not that know everything will be happy ever after but it doesn't have to end it that way


ya, okay, okay, okay ya I mean I I got another traumatic one uh is uh when I went for the operation uh for my uh for my thyroid so so so for uh


for the good bit for the good three months I couldn't speak, and err my job requires me to speak to converse and uh so and and and and and and and I just started working for uh for like a month


so so when you when you when you're when you're just started on a new job after when you when you first graduate you're know you're filled with passion know you're you have so much expectations and so know so fuelled and only been and and you would and I was doing very well in the first month


right from the start so so I I I was full I was filled with hopes so and this comes to me to me it was something like you a more initially it was I expected to be more of a discomfort for like uh two weeks


so and uh doctor did mention that if it goes beyond three weeks uh it might be a permanent damage so I was I was like distraught oh why why is this happening to me so I thought I was really going uh dumb, well I mean thankfully now obviously that I I have regained my voice so but during that period time there was a lot of uncertainty and uh I I I I do not know what to expect and uh


no my voice didn't change okay my voice initially did changed err naturally because the nerve couldn't control the vocal cords but later on as the strength starts to come back


then the the voice is uh is exactly the same, ya it was just raspy when it when it when it first started, ya


okay okay


, uh mine , a a scene I I think uh not so much of uh


uh I I I think I can say that uh it was very dark uh I remember it was when I was in in primary four so uh my family wasn't wasn't doing so well then uh my dad's business just went bust and


ya so financially we were very challenged and in in in those days right uh I take a school bus to school I was in primary school and primary four it is like early in the morning the wee hours


so err I couldn't afford the the the the bus fee and I couldn't understand why to me uh it was before my dad's business went bust uh well I mean I I I'm living very comfortably and I couldn't understand what what what caused the change


so I I owed the the the bus operator like three months of of I think around three months of uh bus fee, and and and I just I just kept coming up with excuses and excuses then until one morning I I the the the the operator auntie gave said that that was the last straw


so I told the I I I I beg my mum for the bus fees to pay , my mum couldn't my mum didn't want to give it to me so at the final at the final straw after I I I I bug her she I saw the look on her and she she took the money and gave it to me so I think that was uh and that look


till today its something that I can remember till today and and and and and and it was so and even when when when I was a kid in primary four I was I was still very naughty and uh err I I don't know what struck me and I uh I I I caught the look right I went I suddenly just went silent


, I took the money okay I took the money uh enough to pay off whatever I owe to the bus operator uh and then I just told mum that just just out of the blue calmly not not being angry I just told her that I understand I I will stop taking school bus from now


I will just go downstairs I will pay the the the bus operator the money and when I when I walked up to the operator I told the bus auntie that, this is what I owe I'm not gonna take a school bus anymore so ya then I just say sorry and and and and I walk down the school bus during then right school bus to primary school kids was uh it was a community it was all your friends are are there


so to me it was it was a way of life even err ya so I had to walk in some sense I had to walk away from my friends although we are in the same school but in some sense it felt it felt like know I I had to walked away and


ya so and then the auntie looked at me and said don't worry you come up to the bus let me let me let me send you uh let me give you a last ride, so I think that auntie was very very nice but I will never forget that that scene that the look on my on my mum's eyes ya when she you know she gave me that that that that school that bus fees ya so that that was really quite


quite a moment that struck me, ya


(mmhmm)


(mmhmm) I don't feel that there's ever a time that uh nobody at all cares about me I mean I always felt that I always appreciated the fact that err if I really need needed someone to talk to I have always my friends to rely on


ya ya I've got my friends whose whose there ya so I I never really felt that that that there's really a time that nobody cares about me but uh but that there might be times that I feel that my my my parents don't care enough about me at at certain point uh when I was much younger


but I guess I but I guess when I when I when I grew up and I really just it really just when I think back it really is a case whereby I think they just didn't know how to handle me, so I think that that is more more of it ah


oh uh I hate lizards and I and I I still hate lizards and uh and uh I cannot overcome them uh I hate flying cockroaches


ya I cannot stand them but I hate lizards more than flying cockroaches because, it just felt very weird I I'm even okay with snakes but I'm just not okay with lizards and I cannot overcome them ya I I I I I I still hate them


okay, I have never had that feeling before


, oh I uh, I think what disgusts me is also making me very angry uh what disgusts me is err


what disgusts me is, people people bullying animals I I I don't like it I think , (hmm), I mean I I I I feel that is pick someone your own size and uh and and and I can't I can't stand especially if you bully


pup like like dogs or or cats who who come to you and obviously trust you and want to you know make contact making friendly gestures not not not running to you or to to bite you and which is a very clear gesture


, and and and and that and that person just kick the person or or or like the recent they put the firecracker in the elephant or to to me that that really makes me angry and disgusts me uh I can't I can't I can't accept that that perverted thought


okay err let me talk about my, one of my birthday celebration uh I think one of uh I think I've uh when I was when I was a kid I've always wanted a mcdonald's uh birthday celebration uh but the best I ever got was


joining uh a birthday celebration know McDonalds they have uh uh a a group of parties like know for for all the birthday babies in the in the same month and then they would just join so ya I I I I joined one of them for just just my mum just enrolled me there for fun


but I always wanted uh a exclusive uh mcdonald's birthday party of my own when I was a kid so and and and I never really got it before so ya so so later on err one of then later on right


uh my girlfriend uh actually organised a surprise birthday party for me, so I thought it was uh quite refreshing and uh I was quite surprised although uh ya I I I sort of suspected a little bit but you know ya but I I thought it was it was a nice fulfillment of a childhood dream lah


, ya, so it was it it was a nice match you know it was a nice match


ya ya I I believe that we gotta start somewhere ah, yes


ya ya that was that that was the gift lah that was the that was the gift yes


oh uh I know, I was I was I was I was running for a promotion last year, so that uh long story short is in summary my uh one of my one of my friend got it uh instead of me


so but turns out right when when he got promoted he, he his portfolio then wasn't so fantastic, so he got promoted one year ago so I I I got I I got promoted since april and uh the blessing in disguise is that although I'm promoted later I got a better portfolio than him


which uh gave me the edge so I think that's in in recent times that's the biggest blessing in disguise, what about yours


okay, okay


either steak or burger but both of them uh revolves around beef,


okay, , I, I think to some extent I to to large a large extent I I guess uh I'm optimistic I I choose my battles I I don't I mean I don't I don't get worked up too easily so


but yes I mean there are times that know you you get very competitive about certain uh matters but , I don't take it upon myself that I have to win every single time so it doesn't gives me unnecessary stress ya so I think that's that's I think that that the the give and take and the flexibility that I think about me I is something that I appreciate


(hmm),


okay


uh because uh then I I I as in it it it it is it is really cliche but the thing is uh I was I was watching some netflix about him and some of the the the snippets that that he show and the way he put he he contested


during during his time I thought it was it was very outstanding I mean in in difficult times even against uh big countries like US or even uh where malaysia where we where we depend our our our


our water and all from them I mean to to really hold your stand during that period of time I I I say is is is really something, ya I mean if you compare it like now now uh given that kind of education you have know or or the kind of exposure that you have yes I think uh it may not be so so phenomenal but


I put myself in those times right I I I think it will be very challenging


, okay , well I guess err, one of the times I think that , it was my think my recent uh slides that I I think the powerpoint slides I did for for my for my promotion case study I think I mean I I put in a lot of hard work and uh and uh and I got some help and I think


but collectively I think that when I when I was presenting the the slides the case study , I could see that the my interviewers were were appreciative and and and and they can see that , I put in a lot of thoughts into


my content, and uh and and and and it and I think that uh the comments I got made me feel appreciated at least in the this is in the near time I can think of lah, what about you


okay, my perfect day err my perfect day will be a my perfect day will be a cooling morning that I sleep in late wake up with my with my cats and uh


have a good lunch uh with my girlfriend and uh ya just just spend a day simply err and uh more importantly it it it it must it shouldn't be uh, it shouldn't be be planned I I think that it is uh just to go with the flow I I guess its really about the fun and laughter when we are together


I think that that to me is is a perfect day and and and I don't have a and I and I make sure that I have never expected a a very high benchmark for my perfect day so that I can have it I can have a lot of perfect days, ya


okay so what what what ya go on, uh I can't think of that because so far things uh even things things when they turns up better than expected is usually nothing really significant so ya shall we just go to straight to the what are what was your happiest moment in your life


oh ya ya ya ya I I I I had that uh moment as well same thing ya caught the bird inside my office


and and there's no way the bird could have flew out so I felt very good that day so I so uh ya ya the entire office went around with with plastic bag just to catch the bird


okay, okay so tell me uh tell me what is your uh your most memorable travel experience


okay, ya uh one one one of mine was it was not not as spectacular but it was uh actually during my army days actually when I was when I was overseas when I was in when I was doing mission so ya


so uh it was it was just that we are I was just camping in in some of the some of the one of the bushes and among a lot of trees, and it was just late at night when I when I when I when I looked up at one at one point in the night right


the entire bush was covered with uh fireflies so it was a it was a very huge surprise to me and and know is is in Singapore you really just see like the few fireflies that looks that looks like houseflies, but like very sparse but those were like coming in in like like uh huge swarms of it so


well it it was very impressive it was very fairy tale like so ya that was something that I can remember of


I I I I I can't I I don't really receive very odd or unique compliments


ya, uh ah no I I I I I can't think of any off hand okay but let let let let's go on to the next one the the the one of the more generic one


uh okay what is something that you hate as a kid and you still but you love as a as an adult


okay, okay okay so for me for me right uh, I used to I mean sleep is one of them I guess I guess uh we all do uh but another another thing that I I I enjoy I enjoyed I don't enjoy but I mean on a on a flip side right I don't enjoy when I was a kid


but now I enjoy it'll be dreaming like having dreams, ya, well I can't really control that but uh I used to get very bad nightmares so so I really hated dreams then


so but now , I kind of enjoy them so it's a bit surreal so yeah so ya so, (hmm)


I I don't have a


I I I I can't think of any now uh okay let's let's talk about what is your proudest moment in your life


okay


(mmhmm),


okay one of the, one of the proudest moment was when I was in the my previous bank and and and I was I achieved the top results for for a banker I think that that that was my my best


, part one financial related topic


okay so err something that I would like to advise myself five years ago is probably maybe I should have like uh, took up more part-time job to earn more money so that I can save more ya err when I was in


like err tertiary education I don't think I did a lot of part time job lah so if I had use that opportunity to , uh go and earn more money then uh I will definitely have more savings compared to now so it's a waste lah since it already over and


we can't bring time back so ya I will advise someone young to start, doing more part-time job earning more money and save more yes


okay so should I DIY myself or get a financial adviser to plan my finance I feel that it is important to plan your own finance lah you, you I mean it's your money so you should plan for yourself no one can help you as much as you can help yourself


and financial adviser can give you advise but after all you still have to go and save the money earn the money save the money and I mean put it there lah, ya so financial adviser can help us plan our finance but I think it is also very important to


try to like get someone you trust someone that you know because, there are so many financial advisers out there in the market I mean just walking around the mall you can just get, any financial adviser always looking for customer so I I don't really think they are very trust-able so I think


I I would rather trust myself to DIY my finance than to place it on someone that I do not trust, so I think it's very important to get a financial adviser that you really trust you can maybe get a very close friend or your


parents your aunt your uncle someone that you trust and that, you can uh trust the person to plan your finance for if not then I would rather do it myself ya


I feel that what you are saying right now to be able to save fifty percent is because that


you don't own your own house and you don't pay for your, a big bulk of your expenses lah you don't need to pay rental you don't need to pay like electricity bills and all then, you can save fifty percent but do you think that this is viable in long run are you still able to save fifty percent of your savings


I think it's quite a big bulk so I will not I will not put fifty percent into like insurance savings uh so how do I manage my cash flow I actually have , err like a basic savings plan so I do have insurance savings plan I also put my money in fixed deposit so for


for my cash flow like money that I am able to touch I will just uh leave it err OCBC account, ya which is earning the highest interest previously but now it actually drop but there isn't any much choice so


ya I will just continue placing it there then uh for short run, I also have like one year fixed deposit or three years fixed deposit ya for savings lah so at least you can earn, higher interest compare to putting it in a POSB savings account with with very very low interest


ya so err because the money I am not I know I am not going to touch it within three years so I'll just place into a fixed deposit so for long run, err longer run cash flow I I also place into like insurance lah those kind of


uh fifteen years pay every year then at end of fifteen years you get something back ya so ya so that that also lah so, uh otherwise how much do I put into savings like actually I actually never ever really counted but recently I uh download downloaded


an app to track my expenses cause I really shop a lot so ya every time I, I I buy something I'll just check it in the app lah I think it's a something very good you should try, so you know how much you spend every week and at at at the end of the week you can like take a look at how much you spent


so if you feel that like this week you spent a lot and then next week uh try to cut if you feel that this week you spend a lot of eating next week you can eat something cheaper, yeah so uh investment why I I don't think I have any investment at the moment lah this is something I am keen to explore


in the future but uh for now I will just stick to my basic savings and insurance


so how how else can I earn extra income as I mentioned just now I don't really, have any investment at the moment but that is something that I will like to explore in future definitely ya so for now I, I can only work hard and get more commission then I can also do some part-time jobs


err on the weekend lah so ya as I mentioned just now I would recommend myself five years ago to do more part-time job so for now I want to err, do more part time job so that I can, bring it back and have more money and earn extra income ya I think that it is


important for us to let our money work for us lah so we should uh go into some investment but I am not so sure how to do it now so I am really a very low risk taker and, I have nothing no investment right now so I will just explore around and if one day there's like


someone that I really trust like some finance adviser that can advise me on it then uh maybe I will explore it ya so do you have the habit of savings


okay, I see ya so for me I, I do have the habit of savings ya but I I I am not on the weekly basis lah, I I do it on a yearly basis so I'll just set a goal at the end of the year maybe this year my goal is to save like twenty K ya so uh I


I I set it on a long run lah on on a yearly basis ya so amos how do you spent your money


I see