small things that make you smile let's be more practical in our daily life would be that, you reap the benefits for your hard work , unfortunately that is not how actually life works sometimes, you do all the hard work one person comes right smack in the middle just stalks it up and then they will get all the credit and just walk away this is something I really can't accept but if you get recognition for what you actually deserve ya


it it really changes my day like how you said imagine we schedule everything for the day, for next day we execute it perfectly and stuff like that then the following day the day after that they say [orh] job well done, it's like it might it can be just like a


two word [orh] well done [orh] good job but that's the thing that'll register onto your mind until the for like upcoming assignments and stuff like that you'll just keep thinking okay if I'm going to put in the hard work if I'm going to reap the benefit from it ya so it's like a positive mindset when it comes to like with us being students for us obviously like


uh we we have lots of tests right like [orh] midterms finals and stuff like that when I get this midterm it us uh before the midterm will be small assignment it can be just a five percentage assignment but when the teachers write comments like [orh], can see hard work or you are doing well just those small


marks from anyone it actually changes or brighten ups my day, uh it can be a basic thing you know like we can when we go down to the, market and then you go buy fish for your house then the fish uncle, probably says this to everyone !wah! boy very handsome ah looking good charming ah but


ya it's like it's something that [orh] that is the moment you feel like [orh] I'm the on top on top of the world this that and stuff like that so it actually like brighten ups anyone's, I feel ah most of the people will be actually brightened up and more happy when they comes and just have a smile at just this one or for most or rest of the day


yeah , what would you consider as sacrifices that you have made it like sacrifices that worth everything, ah yup bob marley ah true ah ah


for me sacrifice uh ya I've done sacrifices quite a number like as you said when it comes to studies you'll have to sacrifice your, time you spend with your friends and need to compensate with your family so that so called free time you have to ration it over friends family all that


but I, there are sacrifices but, I wouldn't say it's worth everything that I put into it but it gives me an overall good picture and that would be national service serving the army for two years yeah, may of course lah we don't need to say how much uh sacrifices we've actually


put into army like from two years of our life, leaving studies and stuff like that but end of the day it's about the experience, experience uh something that, no other teenager in the entire world I mean, most teenagers like ya there are other countries that actually have national service but most other countries actually don't have like


uh we can say that [orh] I carried a rifle went for a shoot [orh] I moved in a tank and fired people uh stuff like that so , ya I wouldn't, classify it as worth everything but is it a wonderful positive experience yes absolutely I would


considered it's not just that it, made I feel it made me into a more, it, brought out the man lah you do it you know what you mean by man right like uh , if someone passed away back then I would be emotional


crying and stuff like that now I'm not saying I'm not being emotional I'm just being rock solid nope but, I feel that I can cope things better cope failures better able to, take, when people last time used to say !wah! ya some small remark I would it would I would take it to heart so badly but after all those trainings and stuff like that


we uh we have the mental that you can say whatever you need whatever what I feel is doing correct what I'm doing correct if I feel is correct ya I'll just go ahead so these are like, life skills that not much can, implement on you to this impact, and I feel, national service did quite a justice when it comes to shaping me into a more


like the transition from like how they say ah boys to men ya so I feel yeah it's definitely kind of worth it, stuff like that yeah so, describe the best movie or TV show that you have ever seen and what do you like about


no no you say first lah okay yeah ah ya it's true ah [orh] ah


ah , (hmm) ah true


for me my best TV show I think you should know it's the peaky blinders yeah it's a, it's it's about how the english towns and cities were back during the world war days like from world war one a soldier under the name of thomas shelby !wah! after watching the show is like you aspire to be like him that mental capability and stuff like that uh they make certain things look too cool they are like the actors do such a


wonderful performance like so terrific that, you feel like, you want to be them you want to be like them you start talking in that english accent and stuff like that so is like is I feel it's not just that not just the actors I feel like peaky blinders is just not a drama it's an art I you can say whatever but its freaking emotion from it the way they


how like how you said the camera angles the cinematography of the of the thing, for peaky blinders is perfect everything the background music how to spice things up it might be a slow moving drama like usually whens things go as slow as that I I won't watch it after two to three episodes


but I finish like all the entire five seasons within two weeks of time it's like I sit down I watch fans mans spams it's like uh, I just like it a lot everything from, whatever they do is class is, it might be a bit biased but I feel that it'd more towards the men's world it's like


I feel males will prefer it over females like over that, particular show how they show the men to be how men think how different kinds of people cause like the personalities are so distinct and bold for each character from the protagonist to antagonists that


everyone even the villain makes so much sense he has a plot it's not that your usual thing they just come out shoot you and go away no he has a motive that actually questions you [orh] is it is what this guy doing is correct or not so even the main guy thomas shelby is a villain something like a villain but


a villain that all of us like so that's what carries the show really well yeah so okay I can go on and on talking about peaky blinders, okay uh about uh best movie it's actually a tamil movie uh uh it's, called vaaranam aayiram so it's it's a complete experience is like


from young to old, a father's love family romance comedy action everything a perfect blend of everything I feel it's a complete show even though it came around two thousand eleven I think right Nema ya


ah two thousand eight nine I remember I was too young when I went to watch the movie !wah! it's a complete experience it's like usually after coming out from a romance movie you feel like a romeo after coming out from a family movie you feel like [orh] I want to spend more time with family and stuff like that after coming out from this movie it's a complete package you want to be an all rounded person like


you have it's like as if you have seen everything in life just through that movie all kinds of hardship and stuff like that usual tamil usual were indian tamil bollywood whatever movies is like one song this he guy comes from, zero to hero real quick but no they slowly show the natural progression how the things move on and stuff so ya for me the best TV show is #vaaranam aayiram#


ya K K


about my best friend (hmm), what are the three things, I would say his, humour, his humor is something his humour and charisma but, what actually draws me to this person is that I can relate things with him


I can, click so well I can, it's like the way we think is I mean no there's no chance that other than your family members or I mean, the chances are super low that whatever I think is exactly what this fella thinks also no it's like but what we think is like


it's a perfect mix of like, good stuff bad stuff and then just come together ya it it just, fits like the chemistry between us is actually quite, really impressive it's like I can share things with him and stuff like we might have uh so many other friends we might be close with them also but


there's this one person you just want to like you know if you feel down low go talk to them if you feel so you achieve something in life go talk to them if you are bored because you got so much people to talk to but you still go talk to them so these kinds of friendship is like, really hard to get in today's world like that's what I personally feel lah so charisma humour understanding chemistry and


wouldn't really say discipline but ya it's uh he has a good blend to just have a good time around with ah so how about you Nema what are the three things you admire about your best friend or partner, ah


yup, yeah, ,


ya true,


[orh] okay, ah


their children


nice, ya


part, one finance, okay so just uh, which question you want to take first, okay sure


so ya finance is very important lah, like, generally for anyone, like in their lives they will come across, uh money finance, cause and personally like for everyone personal finance is very important


like, uh everyone at one point in their life will start earning, so when when when there's cash flow coming into your bank account you've to start saving and investing, according to, what you receives in your bank account


and it's very important so that and saving and managing your finance is really important in the long term, even though there's not many short term effects to like your experience, yeah yeah yeah


ya uh stocks okay looking at stocks okay there are like two kinds of like it's also a mode of investment, and usually like they have, but the more uh well known kind of investments in stocks is like the long term


like you put one, uh you put a certain amount of money into like a certain stock and then you read it out uh for like long term and there's also like trading day trading which is more of a short, term investment so ya and , usually day traders are the ones who have like like very high highly volatile stock changes you know uh during the day the stock indicators immediately start changing and changing and changing


and they have to leg and yesterday time sensitive so, er the the traders will have to like, er sell stocks advice stocks, er in in minutes or seconds, so yeah, so there's pros and cons to both kinds of uh investment like strategies and yup and also buying stocks is a very important aspect of financial planning in my opinion because not many people are well informed and


uh like to read it they go deep and research into it, , ya and because most like if you think about it like our parents' generation they usually like would like to invest in like how to say jewellery or uh some like you know sometimes properties or something like that


ya or or other like [orh] usually is depreciating assets, so I think that's not a very wise option if you ask me, like you would want to always invest in appreciating assets, so like appreciating


assets some some like common appreciating assets are like, uh mortgages property, like if you uh, because as your as your mortgage shrinks even though your debt increases the value of the property increases over time also


so that's that's a very wise option to invest in or also stocks uh if you are talking about stocks ya stocks also, some stocks appreciate some stocks depreciate but you've to like do your research and you know be wise in uh investing also, yeah yeah yes yeah yeah yeah yeah ordinary account yeah yeah yeah yeah yeah yeah yeah like that yeah correct yeah yeah


uh not really uh when was in in singapore budget per se but, okay but since you are talking about CPF right uh, I would like to like counter like provide a counter opinion also because you talk about how CPF is like is a you you talk about the pros of CPF right or how it benefits CPF right


for the sake of argument like we'll just talk about how's the CPF is also not a perfect system because, let's let's eh let's accept it like no system is perfect in like no system placed by the government is perfect in any country so


you've to access assess this also, so what my opinion about CPF is CPS is CPF is, first and foremost a retirement fund right so it was designed with the majority of singaporeans, in mind, so it's usually for people who like work till their sixties and then they retire in singapore right for singaporeans


so like any system that caters to the majority CPF, will also not be ideal for some people, if for the majority it'll be ideal but for some people there'll always be people like, on next years they'll be like [orh] uh I can't I can't cash out my CPF


uh, I can't like twenty percent or thirty percent of my salary is going to CPF what I don't have any disposable income, so this kind of problems will eventually obviously arise, so, ya let's let me explain more so I used to feel like I could get better returns on my money


if, you invest it yourself, so, instead of investing in like in like putting some of your money in CPF, what, what some singaporeans feel right is they like to uh invest in


like use that money use that part of the money and invest it in their own stocks, like, not by not using the government scheme, so uh, because there's one thing also CPF interest rates are not that


appealing, because you see for ordinary accounts the interest rate is usually like three point five percent per annum, for special accounts is usually five percent per annum, so those kind of interest rates don't really appeal to, those who want to, have the most uh


return on investment, so ya CPF is obviously risk free, because, there's no such thing as a risk free investment if you are investing in stocks, or day trading so CPF is obviously like, is confirmed risk free because it's the government it they're providing you with a account


uh to to save part of your salary so that you can use it for your long term and your retirement, but, some some investors, they like they will like to say [orh], uh I , like some some singaporeans they usually say [orh] ya uh I don't if I don't use my like if I


don't use my CPF, I can use it to invest and the my investment returns are really high like compared to like, the returns on CPF, it will returns on like investing stocks are really high like [orh] you can make a five dollar profit or ten a thousand dollar profit in like one year instead of like getting just a three percent


uh return on like interest, per annum yeah so, and alsos if you can't really use CPF, as, for your immediate wants like is is you can't really use it as a disposable income


ya I I admit that it's a very short term look at, outlook at how like at personal finance management because, , it's not really uh ideal to, just look at your income and say okay I'm going to save this much for my disposable income [orh] ya because


you have to always think long term, because when you think short term you only going to experience that for a while and you don't really plan out like what what are you going to have, ten years ahead or fifteen years ahead, because there's a lot of things that, there's a lot of big ticket things that


uh you'll have to prepare for like buying a house, uh if if you if you're married and you have kids you have to finance your kids' education, it is a ya so there's a lot of, uh is like, aspects and issues that we have to take into consideration when planning like these kind of things


and also if you want to like set up use your CPF money to set up a a business or travel the world, before hitting like the age of fifty five where which which is when you can cash out your CPF, uh you are you don't really have any option


all in like uh, uh going to a bank and like asking for business loans, or you know yeah, or like asking ya basically asking for loans, so, it is this puts some people in debt also like there are people just


like they go on impulse let's say [orh] I can't cash out my CPF so eh but I want to set up set up a business so I'll go to a bank, and I'll get a loan okay they get a loan but what if the business fails, then they're in debt so yeah


that's the thing so even though CPF may be, uh where, like okay not okay even though there are disadvantages with CPF it's not a bad thing but it's a, uh you have to look at, what, or what look you have to look at how


safe CPF is like it's it's it's it's basically a safety mode it's a safety net for singaporeans, so ya I agree with some points that you've said so, ya even though people look at it as, [orh] uh I can't cash out my income I can't nor use it for my setting up businesses or going uh like travelling the world


you know but, you've to see as a long term thing right so, yeah, ya so jeffrey uh, okay speaking of like big ticket like spending on like big, uh purchases right


what strategies would you recommend to someone like planning for their, uh like with their starting a family or buying a house, or buying a car like in the question


yes like what are strategies like methods or, yeah


yeah


exactly ya that was my ya correct ya ideally, yeah yeah yeah yeah yes it's a safety net yeah (mmhmm) yes yes correct yes


personally ya I would agree because I'm also a student like jeffrey, so I would agree on most of on most of what he said, so, uh ya I also have a student loan in place to finance my education, ya and the thing is I want to talk about how easy


and accessible it is to apply and get a student loan because that's not, something that is common in a lot of countries and, ya because you ya when you look at the united states there's so many cases and complaints about uh people falling into heavy student loan debt and everything


so but if you look at singapore, the fact that you can save up and the fact that you can like you know, uh allocate a certain part of your money into CPF, and use it, to sometimes pay out loans or sometimes pay out huge budgets yeah


ya okay so sometimes like ya I can just stop is it ya okay thanks ya sure


part three negative experience, okay so jeff what's your, biggest pet peeve, I think my biggest pet peeve would be uh you know when people eat


you know and they when they have meals, and they and they make that that, they make that noise you know the, those kind of you know that noise that comes when they chew on their food, it it really annoys me like I I really cannot take that noise


ya and I think that's my that chewing ya chewing noise, uh, that that okay that's one of my pet peeve but another big pet peeve is that, when people don't get recognition and credit for, the work they've put in


because this happens in a lot of industries, and it's a very worrying thing, it's a very worrying issue because, uh, because there are always vultures and scalpers who just you know they come in swoop in and take other people's work just like that


and they will and that particular person would have put in like months or years of hard work into that project or, or their assignment or their work so, it's very important that, people individuals who have put in the that hard work and effort into their


projects are recognised, and given the proper credit, on you know uh be, you know worst teachers or small you know small businesses, ya it's a very it's a very worrying issue and also I've another pet peeve which is I would say uh nepotism


I'm not saying nepotism is, uh avoidable because it is it is very unavoidable, uh and it's , uh in my in my opinion nepotism is, I won't say it's a, uh it's not a


it's not a bad thing if, if people, if other people are, uh depleted of their opportunity, because of that, that particular uh


influence ya so, nepotism is okay because it it's unavoidable and it's and it exists in all industries, in every industry so ya so but, even though it exists I would say I would want it to be less


uh common, because it's still not a really you know it actually annoys me because, if I'm going if I'm competing against another person for a job, and that and that person is related to the manager or the HR the CEO


and he gets the job even though I'm more even though I am more qualified, I would be really avoid, I would be really irritated and annoyed, because I'm not getting recognised for my hard work and that really matter by first point I am not getting recognised for my effort and my hard work


so ya that's one of my biggest pet peeve, yeah so want take the next question ya correct yeah yeah correct yeah


yeah yeah yeah it


it really yeah, yeah yeah yeah


it just it just base on to the widening income inequality, yes yeah


ya it's it's really it's really saddening, yeah yeah okay I think


I would say okay I'll talk about the older generation first, uh, okay understand that the older generation, has, we they have contributed so much to us to building our generation so I would say that I


I would always give them the utmost respect and, I will always look up to them because they have put in the actual hard work and effort, that you know brought us to, like that, brought us to this kind of living standards


or you know a living quality lies quality of life is because of them like they have put in the hard work and because of them we are living a higher quality of life, and almost everyone in the world is living high quality of life because of their generation


but saying that, the older generation also has done a few mistakes, and I'm not saying that our generation has not done any mistakes every generation does mistakes everyone is human, but the thing is


the thing I most dislike about the older generation is that, they went to, I would say that they had they had this, uh I would say, comparing to compared to our generation, the older generation have a very


uh , they had a very high complex and have very high ego like , they always had this like free speech issue, and they always have a superiority complex over, those who are inferior to them


and they always don't they, usually they don't fail to show it to those who are inferior to them and I think that's not a really good thing because and, I'm happy that our generation has actually looked at them and learn from those mistakes


because yeah so uh and uh older generation you would have read you know uh they keep going to wars you know world war one world war two cold war civil war all these kind of wars


mostly is because of, it's usually because of race, religion or some other belief that both parties don't don't agree on, I would say this this, okay when it comes to race or religion


I would say why why do we want to go and go and take so much effort, just to destroy people's lives people's livelihood people's homes just to prove your point, when like when it comes to you know okay if you, if you want to take a very uh


big example I would I would say hitler you know world war two, he hated the jews, and he hated them is, purely out of racism, and, there was no reason for him to hate them


it just because they existed, and he hated them and because of that he was the reason for millions of deaths


curl down into our generation slowly, even though it's not as it's not as prevalent as what it was in like nineteen forties nineteen fifties it has trickle down and it's very sad to see that, because, uh as you know like in twenty twenty recently in the may in may twenty twenty the george floyd george floyd incident


I you knows you know when I saw the video of him on of the, police officer kneeling at his neck, I was really, I I just couldn't take it, I really couldn't unsee that I was really disturbed, because


how how could you do that, to human like, forget that he's black or white or brown or whatever, you how can you even do that to a human, like, I just I just couldn't like process that you know video and


I was really appalled that the fact that this much blatant racism still exists, so yeah I, I and this is mostly because of our older generation they have propagated those kind of mindsets


and understanding into, like you know future generations, and I'm happy that that mindset is slowly you know uh dissipating, uh among our generation, but still it's still there, and the fact that it's still there is really very saddening and disappointing


so I think that's one of the things that I dislike about older generation older generation is that, I mean, yes I mean it's true that you know racism is, it wasn't a concept that was understood by our older generation in nineteen forties or nineteen fifties


but, I think racism is just a side effect of unemployment and, uh, and the absence of education, so, the fact that now everyone is almost everyone is educated in the world everyone is


uh, is employed uh minusing the fact that it's COVID nineteen and you know unemployment cases have increased but, I think, people should take more effort into you know uh, abolishing racism, and providing equality to everyone regardless of you know race language


religion, ya everyone has to have the opportunity to succeed, opportunity to work you know work towards whatever they aspire to be, ya so I think that's what, I would dislike I personally dislike about older generation racism so what about you jeffrey


yeah, yeah,


yeah


it's a sad ya a sad ya it's a sad reality


(mm)


okay part two positive experience okay so positive , small things that make me smile okay


so, uh actually I I I'm not really a very like negative person so, ya I'm quite optimistic person when it comes to like a lot of things, but I also usually like, uh how to say


I look at both sides to the coin like what jeffrey said ah there's two sides there's always two sides to a coin right so , I always look at both sides to a coin but okay but coming to uh small things, uh I would say you know, uh, when when when you like


in a day right when you wake up and everything goes according to plan, that's just enough to make me smile already, like you know when you wake up give it you know the day before like when you have planned out okay this time I'm going to do this this time I'm going to do this this time I'm going to do this I'm going to meet this person I'm going to


finish this assignment, if that really goes well I'm already super happy, like because I know that I've been productive throughout my day, and I've been productive throughout my day, like like


you know like you've achieved something you've you've completed something and you can move on to other things, so there's always like a progression you there's no like stagnant or, going back so, ya that's one thing that makes me happy and you know makes me smile in a day


and also uh, you know when you go out to dinner with your friends, and then uh, like if you when you go out to meet your friends or like you go for a meal with your friends


and that and that meal and that that whole, program goes according to plan, that's that's also enough to make me smile because a lot of things a lot of factors can go wrong on that day, like when you've when you've planned out an event or program right a lot of things can go wrong and usually a lot of things go wrong so


when that all happens according to plan and everyone has a good time and no one like you know no one's left out of, of the event or program, that's enough to make me smile also, yeah so basically those are the things lah what about you jeffrey


yeah yeah yeah yeah yeah yeah yeah yeah yeah yeah yeah yeah and also


sacrifices, okay so, when it comes to sacrifices, uh, at for everyone right at any one point in their life they will confirm have to make sacrifices, so


ya it like be it you know uh when you are in school or when even like when you get married and you have children, so, ya sacrifices are very important aspect, uh uh part which is part of your lives


and, one sacrifice that I have made is I I would say since I've entered uni right, uh, I think like you for my first year I just finished my first year so I would say


there's a lot of sacrifices I made, to, focus on my education right now in uni so, on the top of the list would be you know uh, not meeting my friends so often uh


uh, like not not wasting my time on you know, not so productive things and sacrificing on my you know, uh short term, uh short term, I would say entertainment or short term


uh, joys and and focusing all that hard work and concentration into my education because, what, from what I've realised, like throughout my ten years in my, (oo) uh throughout ten or twelve years in my education is that


education is very important and, ya so it's something that I will not want to overlook, in the future, from now in anything into the future, and I would I would, I know that I would have to make even more sacrifices


to come out you know on top or to progress even further in my career, so, ya so that I I would say that's one of the sacrifices I've made but if you ask me, a sacrifice that is made worth everything I would I would say I don't really have one because


I don't I'm not like I don't I've not really made a very huge sacrifice, you know, and and which is worth like, everything in my life, because I'm still young I still have a lot more to see and a lot more to you know


think about and and and weigh my decisions on ya so what about you jeffrey what are the sacrifices you've made, yeah yeah yeah yeah well rounded yeah yeah yeah yeah yeah yeah true yeah yeah yeah yeah true


you want to take this question, , [orh] okay so, the best movie or TV show ah uh, I've seen a lot of TV shows actually but I think, could be currently I'm watching uh this TV show called suits


uh I think it's one of the like, really good TV shows I've watched, yeah so , ya so it's basically a legal drama so there's like lawyers like corporate lawyers in new york, and they're fighting like cases


uh yeah so and, usually when I watch TV shows or movies right I always look at, I'll I don't always just look at you know, uh the plots or the characters, I also look at the technicalities behind it, like uh how how they have how the actor has put like thought thought into the character and how they have developed how they have developed


the character like okay when it comes to TV shows they have seasons right so they they act they act the same character across like, six or seven years so, uh I'll always look at like character development and how that actor has like put effort and thought into his role


and how he contributes to the whole plot, and also you know like uh, uh cinematography because I'm interested in this in this kind of thing so uh, when when those episode you can clearly sometimes you can clearly because for TV shows there are like some episodes they're not every episode is directed by the same director


so, so you can sometimes you can clearly see the difference like okay this episode directed by this director or this episode directed by that director, and also how the character how the actor responds to uh you know the characters around him


ya so and suits does a very good job at all this kind of on and uh at all these aspects, because the acting is really good the plot points are really good, and sometimes the cinematography is also really good, ya that's one of like the best TV shows I've watched so far


yeah when it comes to movies, I think the best movie I've watched is uh, I would say inception ya inception, so ya a lot of a lot of people would


think ya it's a very confusing and, be able not, it's a christopher nolan movie it is supposed to be confusing, so ya so ya but I think, the way that he managed to, uh bring that very confusing plot and put it in a movie and


also how the way he managed to like explain it to the actors so that they can act it out as if they understood the movie, that's a very huge thing and not many directors can do that also, so, ya I think it's one of the very good movies I've watched ya what about you jeffrey


yeah yeah yeah yeah yeah true


I think is I think is earlier than that, like nine eight nine yeah yeah yeah yeah okay TV show movie lah yeah


okay so what's what, question should we take next uh, how about we go for, ah okay what are the three things you admire about your best friend , okay yeah okay (mmhmm)


ya I would say, uh his commitment so, my best friend is I think he's a very committed person, like, when it comes to anything in his life like he's really committed and, he knows like okay if


if I if I want to achieve this and he achieves it like he puts the, even though he sometimes may not achieve it he puts the effort and hard work into it because he believes in that he he he has conviction that okay if I put in the correct amount of effort and hard work into what I'm doing


I can achieve this and if if I don't achieve he knows how to face the failures so I think that's one of the things that I admire about him like, he's committed to what he does, and also he's like, he knows he knows how to


uh, behave like he knows how to behave around people and adapt to certain situations so I think that's very important when it comes to having a good friend because you may be stuck in like


like unforeseen or unfortunate situation but sometimes you have to have you have to be surrounded by people that can pull you out of those situations or you know mitigate those situations or to turn those situations into uh your favour so this kind of friends are very important


uh because they are the ones who will stick with you, like in the long run, ya so I think and that's and that's one of the good thing that my my best friend has also, he knows where to you know draw the line, uh yeah


ya and ya I think that's mostly what ya and also ya same as what jeffrey said you know uh chemistry charisma, uh yeah, he knows you know uh he he, he respects


uh he respects my feelings ya and we respect each other feelings so is like mutual so and usually this kind of friendship relationship they they always work you know both ways, so ya so, sometimes you have to


you know, uh ya so basically those are the three things I admire about my best friend yeah okay


part one finance, eh good bro how are you man, eh yes Sudah okay


uh I I do I do bro in fact I do I I have a personal accident plus uh insurance by grab which is uh underwritten by Chubb I think that one the coverage is about like accidental death benefits for like three hundred thousand


and then ya and the permanent permanent disablement benefit is also about three hundred thousand and then they have the they covered the burn benefit as well and at the same time uh the accident medical, expenses reimbursement is about one thousand dollars uh so I I happen to take up this insurance from grab which was underwritten by Chubb uh there was another one as well that comes together


which is the critical illness plan which has an accumulated coverage of about two hundred thousand dollars uh that one they will cover thirty seven severe states critical illnesses you you know about that one bro the critical illnesses


the ya eh, you know you you should you should look into the the app the app inside there and there's an insurance uh page ah you look into that there's two there's two


insurance policies ya so that one the critical illnesses I think it's it's not bad lah bro it it covers thirty seven severe stage illnesses uh like major cancer heart attack uh stroke coronary artery bypass surgery things like that so I think you should take a look at it right it's really good


yes yes yes it is, yes yes


it definitely will definitely, ya have do do you have any personal insurance yourself, [orh] oh right right right


yes bro in fact the only reason why I took it with grab is because I I don't feel like I'm, spending money there uh everytime everytime they just deduct it from the grab earnings so I just I just drive grab like part time so every now and then so whenever I drive it will automatically pay off so I think it's it's a no brainer not to take it lah bro you should you should really look into it


ya, but I do understand you were saying that you know insurance is for those people with luxury and stuff like that I I totally get you bro I I I been there I I totally understand, so I don't really like all the insurance policies that's available in the market but I think one or two like personal accident insurance and things like that to cover us it's like a wealth protection scheme


that can cover our uh our income uh I think this is something that we should look into for our family and stuff like that, a'ah ya


for sure bro eh by the way ah talking about those uh insurance plan that I am not into it one of those is the endowment plan ah are are you aware bout about the endowment plan bro, (oo) let's go what is it bro


what do you understand about about endowment plan


all owner came so, ah okay so let let me explain a little bit you see an endowment plan is more like a savings savings plan and in my opinion, uh the only difference is that this savings plan comes with an insurance coverage which pays out upon maturity or death so maybe you take up a a an endowment plan for like uh twenty years or fifty years so after twenty or fifty years uh whenever it matures you can cash


out whatever value that your insurance policy have but at the same time if let's say anything would happen to uh the policyholder they they they uh experience death early death or something like that then it will also be paid out even before maturity whichever that comes first lah but


but the the the thing why I don't I don't quite uh agree ah with this endowment plan is because, when when I have already my own personal insurance right I would rather save this money elsewhere you understand I'm saying so with this surplus savings why would I want to put into endowment plan I'd rather put it into maybe say my own savings or whenever there's uh a time for me to invest the when the time is right of course


then I will definitely invest the money rather than put it into endowment plan because investing the money probably can get, more uh returns in uh compared to endowment, in fact if if I were to think about it again ah uh until today I've not really heard anyone uh


you know doubling their endowment funds or something like that but I but I heard about people uh you know getting getting more like doubling their their the investment return so I ya having, full control of the money to me is more important


but because you the moment you put into endowment plan you cannot just say okay I want to just take it out then what's the point you know


for widows where it it it depend you know uh I think I think widows widows will be will be very happy to take their husband endowment plan you derstand I'm saying ya, eh (mmhmm) (mmhmm) okay okay oh (uh huh) alright no


it is is is more of the opposite actually, okay so basically the insurance covered all the the the the the big chunk of it but we have to pay lah, one hundred dollars the excess, do you understand I'm saying


so let's say the cost of the the repair is one, it's from the outside I don't know I think they're doing honking or something, it okay


okay so so sorry okay as I was saying about the the uh excess right so let's say the cost of the mirror or the windscreen is uh one thousand dollars, so they would cover everything but we only have to pay one hundred dollars, you understand what I'm saying yes


yes similarly to any other insurance policy out there if let's say you were to get uh a a policy they will cover your medical bills, but, you have to pay excess you understand what I'm saying


a'ah which is something which is which is the one of the the biggest reason, why I don't like quite like about, about this whole insurance thing because after paying so much for insurance we still have to pay excess a'ah that is why I don't like I don't agree though ya but that's about it lah so speaking of which you do you do you have any insurance bro


ah


I don't know I think he better have ah because ah if he got because the the eardrum can be very uh hurtful you know, if he, ya these people ah I I sometimes don't understand why would they want to


do fogging at this kind of time you know


or the dependent protection scheme the medishield life eldershield and medisave right so uh okay so all these things are provided by uh CPF and I if if you ask me I'd I think it is it is a very good


good initiative by CPF to be coming out with such schemes you see, because if if you were to look into dependent protection scheme it's actually, just the basic insurance scheme uh it it's a term life insurance it covers your family members, up to like forty six thousand dollars


where whereas medishield is is also an insurance plan to help pay large hospital bills see unlike medisave medisave is, more like an account uh a savings account uh but medishield life is an insurance plan uh so medisave takes care of the smaller bills while medishield life takes care of the the larger hospital bills a'ah for eldershield on the other hand uh it is it is


for mainly for those who who need a long term care especially people old age ah, uh so ya that one I think is something uh that I am very happy about when CPF comes out with this eldershield, but the question right now bro do you do you think CPF insurance coverage is enough


what do you think do do you think do you think the CPF insurance coverage is enough for your insurance, (mmhmm)


right right, okay okay okay


okay let's go let's go man let's go man, okay Sadik so I have an uh a a a very, important question to ask you since since you have not gotten yourself any insurance plan at the moment right


so would you approach an agent or would you do it yourself when it comes to insurance planning, okay (mmhmm) (mmhmm)


ya ya ya I definitely agree I think they are much more well versed say having an agent is definitely great you know when they are well versed they they know what you want they know your expectation your concern, so I I believe getting an agent would definitely be a way to go but why do you said that you look out for when buying an insurance policy do do you always do you see insurance as something that is essential what do you think


where I I I feel that uh when I want to what I look out for when buying an insurance would be, uh coverage versus premium as I mentioned the the the premium is is my priority I don't know whether I told you that before but uh premium is my priority I I must make sure that


the premium that I'll be paying whether it is on a monthly basis or an annual basis it must be something that I'm very comfortable with uh whereas the coverage is secondary uh because whether it it is a big coverage or small coverage if we find this, essential it doesn't matter how big or small the coverage is we should be getting at least something ah that's that's what I I think lah


but what do you think the kind of insurance are essential for people our age ah bro what do you think, oh ya I think, ya oh


okay what do you take what do you what do you what do you find, (mmhmm)


[orh] oh ya I think I think that's a good one, right a'ah, you know what I think for insurance ah that is essential for people of our age ah is every kind of insurance that they can afford so as long as you can afford


then just go and get it it doesn't matter whether it's a personal accident plan or hospitalisation plan life insurance plan term insurance but I wouldn't recommend ILP you know ILP, ya you you heard about it ILP


ya the it yes the investment linked policies ya that one is one thing that I will not recommend ya, (mmhmm)


okay so you see investment linked policies are basically investment uh investment programs that have got, insurance coverage combined together, now would the reason why I do not recommend is because


I don't think that any insurance agent out there is even competent to handle our investment now think about it if they are competent enough to handle our investment they might as well be a trader don't you think so why would they want to be an insurance agent do you I think insurance agent are one of those


I know good salesman best salesmen out there, they should not be selling us uh insurance uh investment links policy uh and time to think about it again you know this , uh is investment linked policies right uh when when an agent comes and tell you okay bro I think you should buy our our the ILP uh for this stock and that stock I can tell you one hundred per cent bro they have no idea what they are talking about like uh like you don't don't don't don't you think it it is right


I mean they are not traders they are uh they are only agents and then they tell you to buy and sell a certain stock they don't even know what stocks to call they don't even know what stocks to put, and then at the end of the day you know what you want they just want the broker


fee from your investments so they will tell you eh bro you sell this stock so everytime they help you to sell they get paid and then will they asked to buy another one and then you get they get paid again and then you on the other hand are keep and you you got to keep on losing money from investment so


conclusion I find that it's a waste of time energy and money for ILP that's why I can I would recommend anything except ILP, ya bro, (mmhmm)


in insurance agent I think you should, , no definitely no uh I I don't I don't judge people by the way they look


you know so what I look out for in an insurance agent and, I think what people should even look out for is, their integrity you know how honest they are and how committed they are you know I have some bad experience talking about insurance agent myself you see I I bought an insurance policy sometime you know maybe about a decade ago and then


this this guy he he tried to sell me the stars and the moon in the skies and everything else along the way and then I I tend to believe him and I buy you know what happens next, two months down the road he left the insurance company and then


what happen is I I wanted to perform a claim or something end up and he is not reachable you think you going to get what the only reason why you go to an agent in my opinion is because you want to rely on him should anything happen so the real work of an insurance agent only start when something happens to their client so this guy


already quit before I start that's why it's it's very important to find, someone is committed and honest in in in this industry,


no no I don't think so I think you have every right to ask your agent anything, but uh you asking the right question matters because asking the right questions get the right answer you see, so if I were if I were you I will ask my agent why are you in the insurance industry because the why will determine whether you want to take them as your agent or not what do you think bro do do do you agree bro


part three negative experience


okay bro let me ask you something, what is the, biggest thing that annoy you the most what is something that annoys you like uh really really to the maximum bro you tell me bro


god bless you bro


ya so so you're saying that what annoys you the most is when someone reply you a question to your question, yes I get you I get you ya it could be really annoying sometimes I I tell me about it man I I I I I feel you bro I feel you


ya mah I tell you ya I totally understand very frustrating ah bro, okay and then okay then tell me something so people who you asked that kind of question usually are they like old or young, ah


, okay (mmhmm) (mmhmm) ya man


(mmhmm) (mmhmm), ya (mmhmm) right (mmhmm) (mmhmm) right (mmhmm) (mmhmm) (mmhmm) ya ya (ppc) (ppc)


you know what I dislike about the younger and the older generation like I like I said you like you like you said not all of them but, most most of the younger generation today ah they I find that they lacked manners ah


like I want to say the parents never teach them by sometimes you know this kind of things are supposed to be to be uh self explanatory when you reach a certain age you should be able to tell what is right what is wrong kids today who lacked those kind of manners I don't really blame their parents but


they should know bro you know and, as far as the older generation is concern what I dislike about them is when they, they felt entitled you know this because they they they they live this world, longer than we do they felt like as if you know they they are entitled sometimes you really will getting real frustrated bro uh I mean


I I can honour people opinion but you cannot be so entitled that everything must follow your way like the world revolves around you only you know that kind of thing, it just doesn't make any sense man, ya eh enough talking about those older generation ah talk bad about people no good lah bro eh


uh, eh cable care care number I I want to hear go ahead bro, eh what happened bro (ppc) okay what happened bro okay


I won't I won't bro I promise I promise if embarrassing I won't laugh bro, (uh huh) (mmhmm) right what do you did bro


yes bro


I can totally understand that bro sometimes I see people like that I'll also I will also question the same thing what the hell you doing bro


that is bad bro that is bad eh talking about bad bro do you so you do that would be like your probably your worst experience travelling lah basically in singapore lah


embarrassing moment ah okay oh my goodness I I cannot think of an embarrassing moments after I heard that lah I think that it that one that one is king is already ah bro that is king already bro okay I will tell you about my my my worst travel experience


okay bro you know what that time about probably seven years back I I went to brunei darussalam, okay ah ya, you hear the effect bro I just said brunei darussalam can you hear the effect bro yes bro seventy seven I tell you you


you have no idea what what went through there you know so I took a flight to Miri Sarawak okay and then from Miri Sarawak we go by land to enter brunei okay, so I was so happy when I heard brunei the very first time


because I thought brunei is like singapore they even have the same value of currency as us bro of course I was to thinking ah [orh] okay this must be like singapore ah let's see what they have what is the another version of singapore like so I entered brunei ching ching ching I tell you bro one of the worst thing ever was


there was no internet bro, okay let me rephrase bro is not there's no internet the internet connection was terrible so I was hoping when I drive towards uh, brunei from Miri I could easily access to any sim card I can get to buy a sim card and then to get I get three G data and then get connected


but no bro no one was selling that that that sim card I was there thinking bro where can I get this sim card ah and then I ask it out and they all say no you cannot get what do you mean cannot get I've, !oi! I tell you bro I I was there my very first hour there I am already trying to like uh know I am just so frustrated back then and then uh then ah then I was telling myself okay never mind never mind you know maybe in the hotel I could get better wifi guess what bro


the wifi down there was just as bad it was so bad that I was on my hotel room I had to go down to the lobby, okay and then at the lobby I was telling the uh I was telling my friend okay let me access to it there because I was there on a business trip lah so I was there and then I was uh trying to type answer on my keyboard and then the internet connection went gone bro so I went to the so okay here is the best part oh so I went to the to the the receptionist


I said uh excuse me I I wanted to have the the internet but why is the internet not stable ah, he said oh you bro you see down there I said what you know the black thing what black thing is that one oh the router ya you, go and reset he asked me to reset bro how frustrating is that I pay so much money


eh bro it's sing dollar ah remember ah stay in the hotel I pay dollar and I get that kind of, oh meaningless that kind of service ah oh that is probably the first and last time I'm going to enter there until I hear they have four G or five G then maybe I I'll want to go back there again I don't


that's what I meant bro that's what I meant I meant knew it bro, okay do you do you do you feel when you when you hear this


thunder do you feel like like sometimes you do something and then you know nothing nothing you do goes right like like even the moment where you try to do something and the worries got against you whatever you do just doesn't seem to be right have you ever had that feeling before bro


let's do about


I understand I understand, that's true bro that's true bro


refresh, (mmhmm)


ya, ya, ya I do


okay what is it bro


(oo) (oo) (mmhmm) (mmhmm)


bro seriously ah amid amid talking about about that traumatising thing ah have you ever experienced any loss in your life bro, what what was your emotion at that time bro okay


(mmhmm)


ya ya that's true bro, ya ya


bro I do bro in fact I lost someone very dear to me on the fourteen of march two two thousand eleven bro I I lost my father bro ya there was to me one of the most devastated time in my life to be honest you know I I


feel like I didn't spend enough time with him uh because when he passed away I have already got married and I got my own place and I couldn't, spend much time with him and there's just so much that I wanted to talk about him and there's so much that I want to talk to him about you know and I wish I could spend more time with him talking and the day the day he passed away


!wow! I I I really cried for many days man I cried for so many days that I, I don't know I don't know why but I even until today sometimes when I think about him bro I I will still I will still cry sometimes you know the tears that that comes out from my my my eyes but and like said you you know we we have to accept this is the fact human beings


you know living things they all die sometime someday somewhere I don't know but we have to accept this fact and we have to move on and the way I dealt with my emotion that time was, you know I I mourned I mourned about it so how I dealt with this emotion is I talked to people about him you know to remember him the person who I looked up to and


of course not to forget that I always pray for him that he he would be you know to have peace in paradise things like that ya so ya that was that was my lost, ya it ya it's okay bro (mmhmm)


oh ya man


that's true bro next one (mmhmm),


oh ya bro that one boiled me up bro oh my goodness, (mmhmm) green tea


, go up stairs I understand bro


I understand bro, uh but I think any any kind of injustice would make the world angry bro not only just us not just you and me bro ya but I can feel you bro I can feel you know it's so you know the uh ya the the the boiling part the the blood go upstairs you know oh man ah


ya bro, I understand bro so you have uh just to remind you ah bro we angry you can be angry but you the person that I know of you know we are not the angry type of person bro


we always contain our anger we're the positive kind of people so to all the the negative people out there be positive ya don't don't stay negative it's just bad for your health just remember to tap your phone, yes


okay


part two positive experience, eh what is up my friend


eh a wrong a wrong effect bro wrong effect , okay, okay tell the tell me something ya I do bro okay uh what is what is your your your hobby do you do you have like a hobby or something or like an activity that you feel happy doing as a child


ah, eh don't don't don't bro post that I I I don't touch bro okay


oh eh bro I play football ah bro I I heard you play very good football lah bro, !oi! oh my goodness oh really bro


right right right of course, when I if I kind of think about what I I did or the kind of hobby that I I used to have when I was a child it was probably like playing the guitar bro you know I I I I I enjoy playing the guitar so much one time and then I I I thought I want to be like a rockstar bro


and then you know what right, one thing that I I I gets so happy about is when I get to perform on stage bro especially during teacher's day you know those secondary school time you know teacher's day celebration you know they go on stage oh my that that's like the happiest time bro


oh ya bro the the whole school bro, (uh huh) (uh huh) (uh huh)


oh bro that was classic bro nobody plays football underworld deck nowadays man, okay sure okay ya bro oh yeah bro


the best thing ya and then and then you you'll you'll kick the ball so hard to the wall and then that that there's there's football marks everywhere right bro , , , eh bro okay tell tell me bro what are what were the best parts of your childhood


that the that is the best ah, ah, what happened what what's your what what's your what's the what's the body part ah


oh what happened bro, , I presume is that for serious stuff no need to share bro it's alright it's alright I totally I totally understand , yes yes oh


oh bro I I to be honest ah I've been listening to this song and and really touched my heart bro it's called rise up by andra day have you heard that one, rise up uh


eh no no no bro bro no not that one bro not that one that one ah uh no no uh that one you raise me up bro, oh no no no no no


rise up with andra day I rise up I rise up like the day you know that [kan] the song you should you should you go and spotify bro you just check it up on spotify ah that one very motivational lah, I think I think from US ah


uh, I don't know US or canada but it would we have somewhere, andra day ya, ah, it is, ya ya I would say some uh a song that touched me like deeply because because sometimes you know when we feel so down and then we want to get ourselves back up uh listening to music sometimes may work and one of which for me is to listen to this kind of songs and


uh it really picks you up you know like it pick me up I, I guess it should pick you up as well but uh what uh what about what about you bro what kind of song uh the best song lyric you ever heard bro, a'ah


a'ah, (mmhmm)


oh naked nature nature pie who is that very good very good bro let's speak English bro, okay ya ya ya ya ya ya


eh, eh bro try try try try sing lor I I uh I know I know one song also you sing first, ah, it's okay bro it's okay bro later later you know ah okay okay we let you


oh okay ah let you try bro, , !whoa!, I don't know bro you can explain ah


oh , okay , ah very good ah bro, uh don't ah bro seriously okay have you ever memorise a song like the whole lyric for a whole song have you ever yes or no bro okay do you still remember the song bro


okay I know I know if I if I I play the music I am very sure you will know this like one of the happiest song in the world ever bro


okay I can tell you everyone who listen will know this song, , a'ah you know the whole the whole song is sticky lah bro


, , , oh my goodness, , okay tell me something [loh] bro


okay, (mmhmm) oh I think it, oh, that one ah I I believe ah if I were to be a millionaire right my life would be simple lah bro simple uh (ugh) uh it will be simple it would be luxury simple okay uh of course the the kind of lifestyle you know being a millionaire there must be


some kind of uh status where where I can be happy about but, I think what I'll what would make me happy if I'm a millionaire is when I can pay it forward by teaching other people to be a millionaire as well I think that is


probably like the best thing ever bro (mmhmm), yes bro yes


uh what what what what will you all like to be if you were to be like a millionaire, (mmhmm), !fuh! what kind of shoes bro


oh, nice bro nice bro uh but the nike bro the nike bro [orh]


!alamak! then you buy so many shoes just to sell ah bro, (uh huh) oh you give away


ya ya


yes of course of course, (mmhmm) (mmhmm) right bro ya of course bro


bro tell me something what's the best thing that you have done for yourself, (uh huh), okay bro tell me bro I want to know bro, nice bro nice bro (ppc) nice bro


uh chicken behind the maggie mee bro , oh and then that is that is like the best thing bro when you dig dig dig and there's this chicken , , this stone those stone cannot play bro cannot play stone bro


okay what about you bro the best thing I've done for myself, okay I've never been more happy in my life ah uh than to finish reading a book yes bro the thing that make me so happy that like uh to me the best thing that I've ever done for myself is to allow myself


to finish reading a book of six-hundred-and-four pages and and and and one-hundred-and-fourteen chapters bro that's the best book in the world bro, yes, oh oh yeah bro


best of the best ah eh bro, , concert no lah bro but I I ever got a like a time where I cannot cannot wait eh


to attend this uh event eh is actually a convention bro my very first convention so I I was supposed to be like getting up there on the stage to receive a recognition for like an award lah ha for for for the effort I put in uh !wow! I tell you ah that one I really very excited


uh I was I was like receiving an award in front of thousands of people bro I can tell you bro shaking bro shake, , ya I think I think I I understood now why it's nice to be recognised for the effort ya so ya but how about about how about yourself bro any any concert or special event


oh ya black pink in the house like that ah, (uh huh), !oi! yes bro yes bro, !alamak!


!oi! the same as us bro, yes bro, , the eh bro how can you don't know bro zombie bro, eh no ah


, , oh oh no leh I I'm I'm yours lah bro I'm yours bro, oh, uh (uh huh) (uh huh) serious ah bro


no I heard I I heard jason mraz can can sing very well acapella no ah, serious ah bro no but (uh huh)


, , jason kim bro,


people have no idea who jason kim is bro wait until they google bro , oh my goodness that was that was legend this is classic ah bro , oh really a surprise ah eh talking about surprise ah bro ah what is your best surprise tell be something bro what's your best surprise


okay


okay okay, (uh huh) (uh huh)


okay, so so wait wait who surprise you bro


oh your friends okay okay, (uh huh) [orh]


that one I think they got a surprise bro not you got surprise , oh my goodness eh, okay, okay bro (uh huh) (mmhmm) bro


I I do bro I do in fact uh I I kept thinking about this guy all the time and I wanted to see my we lost contact uh so his name is <P2>nahar rudin</P2> lah okay uh I've I've not seen him for a very long time we lost contact so what happened was sometime like ten years ago


, oh no no <P2>nahar rudin</P2> bro no and a very very very very very uh familiar ah the name ah, like uh a very similar name right but no ah not not nothing uh he's not related to me but somewhat about ten years ago when I just got my house uh I was truly in need of


some cash at that point of time lah so uh I was talking to this colleague of mine so he's a working colleague of mine lah so we talk and talk and talk and then I was telling him how how much short of cash I was actually in need at that time you know what bro, after listening to this story of mine I don't know how come I only know him for like like a couple of months ah bro he handed me over four thousand dollars ah not even asking a single question you know


and I were and then what surprised me was he even said this to me he said bro you take this money okay you return me at your own time okay uh just take your time just take this money and then he left bro I was shocked bro, I can tell you ah that was the moment where I felt so grateful but of course ah


I manage to pay him off the money as well but after that I've not seen him again he's like a godsend, bro , have you imagine someone handing you over a grand ah take four thousand dollars okay you return me any time lah bro I mean


if if I know him to be like a millionaire then I know that four thousand though may may sound like maybe forty cents or forty four dollars to him but but no bro I know him he's not he's not like a rich guy he's still working, thriving hard for to to feed his family and all but come on bro someone hand hand over you that kind of money I am just grateful lah bro


ya, ya I'm so grateful lah that I always tap my phone for five minutes ya, eh okay


part one finance, alright hi Hizaf how are you today man, uh ya, I'm fine thank you not well doing welcome to malaysia, okay ah okay


so okay get it roll, we're now talking about this uh uh personal insurance, let me ask you so do you have a personal insurance bro [orh] (uh huh) [orh]


err ya that's why I was about to ask you how come, I didn't know about this we've been doing this together for quite some, time you know, how come you never tell me bro, (uh huh)


so so basically you trying to tell me that that this app is available in the, I mean that the insurance policy is available in the app itself, is it, and so it's just that we have to look out for it lah, ya in in in the line of our work


it's uh actually kind of uh, quite important enough for us to have this, , ah no bro and you know why you know like I tell you I like, not enough knowledge lah you know regarding the


personal insurance are only for those who are earning much, or or earning a, high kind of salary maybe that is the that's uh how to say, it's a lot of people are also thinking


uh thinking like me but, ya of course knowing you and uh your explanation just now, I think it's also kind of best, and and is is the insurance policy ah affordable bro, I see


ya ya ya ya ya ya, for sure okay [orh] ya ya ya I think I have


to agree with you on that one because, like you said, uh even though our line of work is nothing much but, the the fact uh is that we are always on the road you know, most of the time that we are in anything can happen so I guess


this is one thing that I have to look into man a'ah ah, well bro coming today I've got myself


bad bro , endowment endowment plan ah okay uh it's basically, how to say uh hold on ah, let me see


it's not recommended for like if you are, for for some protection I guess you know COVID, it this is what you to my understanding ah, you know, endowment is not for long term lah I


I mean I guess, if I'm not wrong endowment, plan would catered, more to achieving like your, uh savings or, you near future financial goals like, is it is it somewhere around there, and it does it does not cover it does not even like uh


protect your stuff too much (uh huh) (mmhmm) (uh huh) okay (uh huh) ah okay (mmhmm) [orh] ya ya I also ya correct


so so uh another thing to say is that also, so basically, endowment plan is also not a plan for widows lah ha, (ppc) (uh huh) okay K K K ya ya yes yes yes yes


eh I want to ask you something about insurance bro you know this about how about uh we talk about this car insurance thingy I think we've talked about this, before, you know just want to know more a little bit, about this car insurance about this excess thingy you know and then lah


uh I I've already checked on online, my car insurance you know so they do this thing called this uh windscreen, so windscreen for example if you damaged your windscreen, they need to change, so insurers will only cover one hundred dollars, of whatever the total cost of the windscreen is it correct


to say that (uh huh) (uh huh) okay (uh huh) [orh]


okay K K [orh] so they cover most of it and we have to fork out hundred dollars of our own pocket, (uh huh) okay okay K K K K I see I see I see I see that's why that uh


actually not that I can think of for honestly speaking you know I should do something, with my life about insurance , ya uh eh uh do you feel, eh do you think the those guys, doing the fogging have a insurance


uh better yes correct, yes they should they should like uh a insurance lah, (ppc) (oo)


okay bro I think okay never mind I guess we we we we shall continue with, our uh topic, you know uh I I've read up just now based on this it is kind of an interesting topic about this uh insurance thingy, and I just I just uh was looking around for about the our CPF you know our medisave our medishield life


and uh you know some of other other plans, what what what what's your thoughts about it man, yeah yes ah lah lah lah ya (mmhmm) (mmhmm) ya ya (mmhmm) I guess


err the, okay where where from from what I read it ah you know if, we are not choosy or we don't mind, uh staying in the when we are hospitalised we don't mind staying in the ward like b two ward like c ward you know so I guess


the uh medishield or medisave, will do just fine, for like uh people with norm lah you know, yeah, oh maybe they go for tea break tea


break yes Mizaf yes (mmhmm)


okay honestly speaking I would uh approach an agent, you know why ya because uh, I I'm not those type, whereby I really want to save like every penny need to be saved, and like for example people tend to me that I have this thing uh understanding about if you do it by yourself so you can save here and there a little bit of the admission fee or something like that or


uh blah blah blah but uh I think, it's, worth paying the agent and, you are looking for like you want to do DIY and looking around for some, cheaper alternative or insurance plans you know or have some, uh others so it's might as well you look


you ask, or an opinion of an expert, you you uh you get I mean do you agree ah


well honestly to me, I might maybe I might be, overlooking certain stuff, so it's not like, an essential thing uh but it's a how to say it, is kind of essential, but people maybe just don't want to


say that it is because maybe they can't, afford, or even uh you know or they do not have, any knowledge about insurance policies, and or they just even don't bother you know, and even sometimes you as an agent you know if


you have a friend who is, an agent coming to you then you say !aiyo! bro sorry I've no no no no free, time you know, I think something happened to you then maybe suddenly you say oh my god, insurance is essential so that's why I my, opinion is uh you know people out there


just don't want to accept that, insurance policies are essential, but they inside they know, it is ya, that's why how about yourself, (mmhmm) [orh]


a'ah nice ah bro as if like even a great mind thinks alike because I would just want to ask you that question ah, (ppc) you know , a'ah we we are allowed to laugh lah (ppc) because laugh is also part of the okay okay sorry, okay, I wonder how they will take out our laughter


okay, what do you think uh what kind of insurance ah, for people our age right, okay we don't share our age here ah, cause we might feel very odd okay okay then ah, me ah okay I I I've, google that one is


sorry by the way okay K okay okay already, okay uh the four, likely insurance that, it's like uh that are essential for people our age, could be, you know the term life insurance the whole life, critical illness and uh cancer insurance ah


this is what I've google upon lah you know and then I came across this, it's good thing that it makes me google, with a certain stuff for me to know more you know, ya (mmhmm) ah ya uh ya the


investment uh linked plan ah the policies policies I mean, (mmhmm) ya ah I I also, just now when I I came across uh ILP


but I didn't read up much on it, would you care to elaborate on why you wouldn't recommend, [orh] yes yes yes yes (uh huh) (mmhmm) (uh huh) ah a'ah a'ah I see [orh] I see I see I see bro yeah yeah yeah thank you for that information bro


okay then and then how about this bro you know, uh you know like if you, ask me something along, for example, something that I know of for example I were in game you know, when the one that we are playing game then you asking me eh what are things to look out for for this particular hero


so what do you think about insurance you what do you think, what do you think, things that we should look out for in an insurance agent, ya it is it is it do you think to, like uh when he comes if he wears, uh something like bermudas and shirt you know, and T shirt bermudas and T shirt and slippers are you going to judge him on that


ya I see I see I see so so do you think if I'm wrong to ask the the, ask who ask some questions to the, insurance agent do you know regarding if I want to know, if he's like, you know a solid agent or not a solid agent, you know some questions that I would ask ah how about maybe something like along the line of uh uh ah how long are you in this business


or do you think that it will be like uh like a bet I it would, say that I'm a bad customer too I say no, (mmhmm)


ya ya I also ask him err, okay, what number are you so my last question will be are you agent zero zero seven you know okay okay okay okay okay !wah! (ppc) !haiyo!


part three negative experience, that's okay yes


okay honestly speaking I'm kind of a, quite a high level patient kind of guy, but err the, thing that will like annoy me in little bit is like a, I'm answered when I asked a question and the answer


and I and the answer, is with a question you get what I mean, for example it can be as simple as a, uh eh uh where you want to eat, uh anywhere ah what about you, you, know that kind of thing you know !wow! is really like


you know getting on my nerve excuse me, , sorry (ppc)


uh no uh reply my question, with a question a'ah, you know this kind of thing sometime ah no no no no if it is like a


uh you know sometimes the, question that I'll ask will be like uh, really simple like I said just now you know where you want to eat you know, if you say Jap ah bro really bro I don't know man or oh I'm sorry I don't know, I don't feel like eating having this here it's still okay but


uh anywhere anywhere ah how about you, !wow! that one ah really like, you anywhere but how about me, you know ah ya (ppc) uh it is actually general lah you know uh


!aiya! I normal think ah bro I tell you, you know about this uh you were talking about young and old you know, I'm I'm not sure whether we are in the middle, uh of the age group or something, or is it it is just me or it is just


us, you know I'm trying to say something along the line there whereby, you know if really, uh how to say, I cannot stand when uh, uh, do we talk about the older generation first, you know from the older generation you know sometimes you work with older generation people


and you said, !hey! like look why not we follow this we adapt to this, why not we do uh like uh uh digital now you know instead of doing things the old way (ppc), and then would they might get, they might say to you like that !oi! come on lah I've been doing this for the past twenty over years and


nothing has happen, you know what I'm and then sometimes I will just say I know I understand but times are, we are get times are catching up you know, say that when you say that then they will, be like uh really piss off with you you know they'll be like


eh you don't even know a thing lah you know, ah, and that makes my thought you know sometime how come the older generation, not not say all not say all I mean, some of them you know I've been uh I've come across quite a few, then uh it's very hard for them or for me to tell them no we have to do this


uh because now is the way to do this to do things this way, especially if you uh, like supervisor or a manager you know you have to speak to your colleague whereby he's below you in terms of the uh at work


status maybe they're just a general worker and they are older than you it's like kind of hard, you know if if you still manager still okay supervisor still okay, but if you are the same level with them and you want to say this thing, it's you know very hard for that then next one sometimes really I can't stand


and about the young ones, (ppc) I mean, I'm not saying maybe because we have, we have children we, busy how we, uh I mean how how we uh teach them to do stuff and uh and sometime


we see those kids with handphones at all, the times, you know and we wouldn't want our child to do, that but at the end of the day, sometimes I would also blame the parents, and even our generation too because we let them play handphone you know


because we want a peace of mind, the moment they have handphone, we are at peace, that's our concept so at the end right I'm not sure whether, I find it kind of irritating, when I see parents eating outside and their parents and parents are chatting or parents and grandma are chatting


but the children the young ones are, eating and watching the phone and not even you know (ppc), even at the dining table how about you man, a'ah (uh huh) (ppc) ya (mmhmm) ah ya


you know Guruh Guruh ah bro you do you mind I share something, with you bro, it's a like kind of uh embarrassing moment for me, that until today makes me cringe to go it's a embarrassing moment for me though okay uh


uh I don't I'm not so sure if this is funny, you know because sometimes knowing you when I also talk in in a horror kind of word so you can laugh so you try not to laugh lah because you know (ppc) you know when I was uh ah embarrassing no no ya


and now now that I come to think of it lah, maybe it's a part of growing up that point of time you know, when growing up I think I was say like uh, uh thirteen fourteen, teenage ah you know young teenage boy, and I actually I started (ppc)


to so called take care of my body at that young age, because I was playing football you see, so I started to exercise and suddenly I became, slightly big, bigger or slightly how to say slightly, beef uh from uh than other guys than other other students my age


then [orh] I feel like somehow !whoa!, until now I feel so embarrassed because you know what I did, (ppc) I wear I wore a tight singlet, you know a tight singlet byford if you know, last time you know and I wear a


#muay thai# thai shorts fighting shorts you know #muay thai# thai shorts, singlet and #muay thai# thai short, and I went to west mall bro just for the sake of going there, I don't know why I do that bro, I just feel like my body !wah! so fit ah now ah


then now that I think of it leh, what the hell am I doing man I am on alone at, thirteen or fifteen uh fourteen or fifteen year old boy, do that walk around west mall, take the bus go west mall take the bus and, go back I yes bro (uh huh) I really don't understand what was going through my mind at the point of time that's what and that is


but lucky for me I not sure, but at that point of time there's no people taking photos, or video you know, uh you know so is really lucky for me but at that point of time, I really wonder what was going through my, to me until now if I see myself, if I can turn if I can go back to that time


if I see myself at west mall, wearing that I will do something to him bro, one of the one of the wrestling move, I will do to him like the jake the snake roberts (ppc) yes yes man


uh not said travelling lah most like a embarrassing moment lah, [orh] (ppc) ya ya ya the travel experience okay (uh huh) ya that's a thunder effect bro it's a nice something is coming this is really horror [orh] okay yes brother (ppc) okay bro ice beam (ppc) ya a'ah a'ah ya lah okay nice bro nice nice sound effect bro so ya I'm ya ha nice nice nice I I guess (ppc) I guess everyone


have to go down that path once, at least ah you know, not everyone can stay happy at all time so, correct or not ya so at least once maybe you do have to go through, that path whereby you feel that the world is really, crumbling around you blah blah blah but sometimes


at the end of the day it's just because you yourself do not want to tap on your phone after five minutes a'ah sometime is because of that because if you tap on your phone after five minutes you can fit it in fresh a'ah you get what I mean


so in life also we must always tap on our phone, yes we must be refresh, but sometimes actually ah honestly, I'm, you know me I'm kind of like, a happy person and I don't like to let my whatever misery let known to people


till next time it's not because I keep it to myself, you know when I have problem I go to certain, people to say things out you get what I mean, because sometimes even if you are sad or what it's not like uh, uh you can tell everybody you know you do not know who really wants you to be sad


so (ppc) so I'm really, (ppc) sorry I'm really uh particular about that about who or what I'm saying to people, so but in terms of general, I like to make people happy you know, uh but of course there are times whereby


I need time by myself and everybody also I think it is that lah, uh and then you know, and talking about that you know I've this, uh I've never and I wish Choi, touch wood don't ever happen to me I were to me a traumatising experience would be what you know bro


one of your loved ones, kidnap you know there's two ah kidnap and missing you know, missing there's still possibility, but kidnap bro to me kidnap ah, is you know that someone, had kidnap your loved one okay


but if you say your loved one is missing then you can say oh, okay missing is all up to god blah blah blah but if you know uh your loved one is, kidnap your anger you know you are angry and yet you cannot do a thing, that would be very traumatising bro I honestly I say I tell you I wouldn't want to


have that feeling ever bro you know I, uh loss ya like uh my grandmum


uh how to say okay, my first the first one I felt was my grandma ah that one I cried then uh but, uh somehow, we I'm brought up saying thinking that uh I'm brought up in a way whereby we have to accept this you know everyone dies everyone have to die (ppc) and it uh


not say everyone have to die everyday but everyone has to, die at one point of time you know it's just a matter of when and where, you know I'm uh I'm brought up, that in such a way whereby uh that we already accepted that from young you see so I also uh tell this to my kids my children you


know so it's not say I'm not being sad, it's more to it's more to how uh accepting the fact that people are gone and you know they have been somewhere where we ourself are going to to go to


uh so being sad is yes being sad, but another way is also uh how to accept the fact that you lost someone ya how about yourself bro any experiences a'ah a'ah okay bro sorry bro oh ya (ppc) (mmhmm) ya I see I see bro ya man sorry for the loss man


you know uh, (ppc) like I say the moment sometimes people might misunderstood us when we are not sad you know and uh we are like, not crying our hearts out, for and we are like really easily accepting the fact that we've lost someone you know a'ah then uh but to me people


judgment or whatever they want to say it, up to them it's just up to us and the one who is gone forever from this world they are the one who will know how we are feeling right you know, a'ah uh bro okay bro before we come to an end so I just want to ask you bro is something


that, uh I saw this question what, are some injustices of the world that makes, you angry I just want to touch on this you know to me you know those (ppc), child molester or whatever


do to a child like uh child rape and then uh, uh how to say they beat, the child the children especially, they're all oh bro, all lawak bro you know sometimes, that one ah if I drink !huh! if I drink the


the green colour drink ah what what is that, what is that ah green tea ah I can become the green hulk you know or become ah I cannot take it, bro I sometime when I read ah even, reading it on like news articles ah can really make my blood


(ppc), you know !huh! that one ah really I'm not sure that is considered effective but I don't also this is more to really you cannot Sibeh Tamchiak before ah ah really, (ppc) yes


it so that's ah, ha, it's just uh some of the bangladesh will say this ah angry many many coming ya ah bangladesh say man will uh when they angry will be that england is also not feeling well


ya, , ya


ya, ya yes if you're angry that means you're like angry bird, holy okay


two positive experience, !hey! bro nice to see you again and then you know you know what's up I'm talking you know,


okay bro I want to have a, heart heart chat regarding , your positive feeling to , oh sorry sorry sorry sorry okay it's about the positive feeling sorry sorry sorry I must be a little bit positive okay, okay bro you got any question for me okay ya how yes bro that's a quite a few actually


some which also I I don't want to mention because it's too personal and we're not supposed to mention personal things here bro, okay K okay okay I just joking I'm just kidding , okay bro you know uh hobby or activity, well as a child, I used to do, soccer bro I used to play football you know and ya ah


oh you heard only bro you never see, so uh hearing and seeing, it's not believing ya, uh ya but actually at one point of time I was like uh, doing okay with football and it makes me very happy lah you know, ya doing something very happy


uh makes you can make you do be good at it you know, ya how about yourself, (uh huh) (oo)


eh ,


flower bro oh you go you went up to stage actually before in front of your teachers, nice bro nice, bro ah let me tell you something ah you know when I mentioned soccer right, so uh during my childhood right, one of the best part also ah is


to what you know, and I miss it until today and I don't see it often, is playing football under the void deck bro a'ah, correct correct bro eh sorry bro coach can you excuse me for three second, hold on ah hold on ah may I please hello who is at the room you all too noisy I tell you already go to the room yes bro sorry bro


okay back a'ah ya ya so like I was saying, playing at the void deck you know right now with the the the the three and the adventure were playing under the void deck, I think, children nowadays won't know because we are playing at the void deck you know and then the lean you know you're scoring you're dribbling


you're playing with your, you're all against each other, suddenly the police come bro, police come then you Zao bro, a'ah that is a memorable experiences you know, a'ah


yes bro sometimes you miss the kicking the football then you will end up kicking the wall bro, (uh huh), don't play play bro, uh ya that's the best part bro at uh


ya and one more is uh the best part of my childhood ah it's my body lah, that is one of my body part that I I miss lah, bro when uh when when uh my childhood my body part is not like my adult body part bro ,


uh I guess uh something happened along the way lah, a'ah okay okay okay okay, ya okay just now you mentioned you're on guitars and stuff, so you are with music I'm also into music style


I play the guitar too, bro okay what is your best song lyric that you've heard, tell me bro okay a rise heart


oh I know I know know the one that, the you rise me up in the mood ah no ah bro, oh not that one ah bro, okay sorry sorry bro I thought that one okay okay oh that one you raise me up bro, [orh] I thought you rise me up


okay it is uh okay K K K K K how


eh unique ah bro ah where where is this artist from, his name is andra day, [orh] and then and then uh what which part of the song that I mean, the lyric that it is it


your favourite song or what, ah (ppc) (uh huh) Iruke uh for me


I have err, uh, I have some I have a lot of favourite songs you know I'm more into, uh reggae I'm more into, red hot chili peppers, you know but uh I also not say listen but some because I have some friends during my secondary school


uh they teach mandarin <mandarin>华语:hua yu</mandarin> you know


ah okay so so what what ah some of my friends teach me during school , and uh you know they teach me how to sing in, chinese bro okay bro ah, bro if I ah all I tell eh this one recorded you know bro this one if go out can go viral


you know bro (ppc), okay bro you listen ah K wait wait ah and I need to put on my my my singing face bro sorry bro hold on ah


do you know that I waiting for you, a'ah do you know that I waiting for you, a'ah, do you know that I waiting for you a'ah bro, ya bro don't play play bro (uh huh) (mmhmm) yes yes yes yes yes yes yes okay okay


yes I can remember but now now of course cannot I can remember if there's, the song being play then I can you know sing together, ya


okay bro you try me bro, okay tequila a'ah yes simple bro


the lyric is only tequila, yes yes yes yes yes yes ya that's why ah Adui okay bro now, err


okay now we want I want to ask you something, bro you know how would you all like be like if you were a millionaire one million ah bro eh same lah bro (mmhmm)


(uh huh) so so so if you are a millionaire you're trying to say that, a million dollars would make you happy, but it would make you more happy if you can teach other people how to earn, that million correct I see I see I see I see bro [ho] if I'm a million bro


my house will be full of shoes bro, all the jordans bro you know all the air force bro all the vans bro after that after that


ya nike lah all are nike lah nike lah then after that I'll, open the shop I sell all the shoe bro, (uh huh), no I buy so many shoe, just to give away first, [orh] no lah actually honestly speaking like you said lah


now, everybody ask also !whoa! if I got million dollar ah I'll be happy I'll be contented you know I'll stay simple you know, because we are saying that because we do not have that million eh, we do not have the million dollar now, hence so you know what if we have something sometimes we


money might change lah as you know so it's always best for us to always, you know I mean to stood our ground you know be humble always and every five minutes remember to do tap on your phone screen, so you tap lah you know a'ah ya


so this one every time it's the same thing lah like what we are experiencing now, we keep on reminding ourselves for five minutes to, to to tap the phone screen, setting for life bro, a'ah so if we might waiting the happiest


moment if we have that kind of uh money of course ya bro, you'll be happy, but how like you say you want to be, you, aim to be more happy if you can teach other people, to earn that million ya a'ah eh you know what okay honestly ah the best thing I've done for myself I got two


first first is I've got my driving license, you know and secondly, this year alone I mean these few months alone, I've been taking up a lot of uh online courses ah, and this is like the happiest I mean the best thing that can happen


like ever happen to me ah, uh because, how to say, learning at this age, before this beforehand, I have the motivation to learn and, to you know pick up new skills and stuff


things happen for a reason right from this pandemic and you are stuck at home, and you are given the opportunity to take a mixed courses this is the best thing that ever, to happen in my life bro a'ah, I don't want to say about you know getting a child or getting married or what don't don't say about that lah you know we just talk about the one of best thing that personally


happen to be would be this ah actually, a'ah it's like a blessing in disguise, just like a, chicken behind the Maggi Mee, you know yes you don't know ah yes bro yes correct a'ah sometimes got stone some more bro ah okay K K don't don't don't don't don't ah okay okay K K K how about you a'ah yes !wow!


yes understood bro understood, (ppc) nice nice nice nice yes, then ah some more furthermore if you really understand the the book and the content of what you finish reading, you know !wow! that good I understand your feeling man


a'ah, eh then how how you are have you ever attended the concert in singapore, whatever concert lah have you any experience (uh huh) ah a'ah !huh! Relak bro a'ah nice ah ya ya ya


eh okay okay bro I tell you you know blackpink, , you know blackpink right, I've never been to their concert before bro I don't like


I've never been to their concert before, I want to tell you I've been to jason mraz concert bro, oh bro you you know jason mraz bro eh what song uh eh !hey! bro don't


eh bro Paiseh bro sorry bro, don't don't don't, don't #malukan diri# bro (ppc), , ya lah the I'm yours is , , a'ah jason mraz you do do you know that jason mraz when he perform live that at that point of time it was at the esplanade you know and is open


concept near the esplanade that time just open up, bro five star ten star lah I give him, really, !hey! where you going to his live in, not you, it's a one one kind of but that is my first ever


until now lah my one and only first ever concert I've ever, been too, and he's really really, mesmerising eh ya he can sing anything bro a'ah


but then err, ya his hair also long if he be Botak he's called jason statham, a'ah so different different ya, and then if you go to the toilet is snake with jason king


a'ah different bro a'ah jason king bro a'ah he got many name a'ah never mind ah a'ah uh legend lah bro okay lah okay lah (uh huh) how to say I


not say that I seldom, get surprises from people, it's just that I'm, I'm always so observant, I and our parents say people, really can't surprise me ah, oh except for once except for once


I think my friends are, planning for a birthday surprise party for me, to, to the extent ah next to the extent what did, they need to do because they know they can't surprise me anyhow, they need, to seek help from my ex boss


my ex boss accountant, and my, oh no no uh and my mum, you know and until my mum they have to go to that level, to tell them to say that, go and help this someone someone


and I really help because they know I won't believe them at all, ah that would be my one and only surprise lah, a'ah my friends my friends, so they ya they they already booked in sini but they they do not know what to say or how to make me come to the sini


ah because they want to surprise me lah so they have to call my boss my boss have to call me, and my ex, my boss accountant have to also call me to ask him to help, you know they go they have to go a very long way bro, a'ah ah


they out of idea already, a'ah, eh bro I know I I've known you for quite some time now you know what I mean I mean and the for the longest time I know you ah, I know you as a good person, so describe bro, when you will help instead of you helping someone


in your time of need do you have any experience, of that that someone helped you when in your time of need ah (uh huh) eh


okay K K K okay ah ya ya okay (mmhmm) !wah! oh oh ya lah ya


finance finance, I go first sorry I can't see the question


you ah okay ah how I invest my money to plan for uh, my retirement right now I have, I'm in uh three savings, I have three savings plans, uh which are


uh under government statutories, that uh directly minus from my salary, so that's how I uh save money but how do I accumulate wealth is by, buying, I've recently gotten into buying stocks so I buy look at the stock market and I


buy stocks for, whatever companies I think uh, profitable , how am I planning for my retirement is by uh I have a retirement plan that I didn't get from anyone just rather than I rather I'm not the retirement plan just from


looking at uh what I should plan for online, and ah, ya just watch tutorials on what is important when you start to retire and what you should set aside money for, I I'll say first uh


how I uh what I'll recommended is for for example you're starting a family which is requires a lot of money because, you need a big sometimes you need a bigger house you need to set aside money for, having a baby you need, , a need to buy a lot of things


definitely a savings, plan, uh, I would recommend good, uh good naks that have, good loans for, car loans or house loans because I understand a lot of banks they have these loans that help you without high interest rates


so that's what I would recommend to these people how do you manage ya ya sorry


how do you manage your financial commitments before and after marriage ya, uh I'm very young so haven't thought about marriage but I can just say that uh after you get married it's not only your's salary also your partner's salary so and there's there needs some kind of communication and discussion about


how like , how your difference in salaries can make up in different departments like , uh buying a house or whatever, okay before


before marriage what are my financial commitments, how do I mention my commitments are like, my student loan currently and just like I said saving up or investing, but uh I would definitely want to clear be rid of my student loan before I get married so I have another seven years of my student loan for me to clear so I mean if I don't have a big jump in my salary I don't want to


uh probably not get married because marriage can be expensive cause you need like a house, and, you know family planning and all that like in the, previous question so that's how I manage my


financial commitments before and after marriage


okay I'll go first in a post COVID world, I don't know


I'm actually saving a lot now because of COVID, I you can't really go out much or you can't go to, can't you can't even watch a movie you can barely shop or or you can't uh stay go to a a park for long so I'm actually saving a lot of money so after COVID I would hope to


, still keep uh all my spending to minimum meaning I like before COVID I used to spend a lot on like I said all all these leisure activities so post COVID I would try and still keep all these leisure activities to a minimum so that I can save more


because I realized that during COVID I don't really is not really needed for me to always spend my money on stuff like this


okay I think financial independence is like is really really not easy especially in singapore where it it's so hard to do something, to to be financially independent especially when like when this sandwich generation waves take you have to take care of your parents and your own family


so what do I think of financial, financial independence retire early uh I would I think the scheme is really difficult but, like I I agree with you one when they say that financial independence part doesn't really come from just your office job it has to come from


doing some sort of business which takes a lot of capital on its own, ya okay oh oh


uh being in debt, I, I think in singapore there are a lot of uh organisations and banks will actually help, so I would I advise the person to reach out to these organisations if I'm not wrong


uh, CPF also has this debt, uh this debt, scheme where they help the people or they they make a plan for them to, how are they going to pay back over time so that's what I would


do ya


also if they don't have a job to to quickly go and get a job, ya you can answer this first okay


uh I think owning a credit card is good ya ya I mean obviously you need a job but, I think is good for credit uh your credit score for you want to get loans it'll be much easier for you to get loan if you have a credit card and you show that you've been paying it on time uh then you wouldn't have a problem with getting loan that you might need for a house or car


ya, next question what advice would you give, you go first uh me too I think uh