uh there's an awful lot of turbulence uh it's one of those budget flights right so you don't have any food you can only to buy something extra it's ridiculously expensive up in the air uh the level of service as well because on the budget flights the services are, are very mediocre that sense right it's not that toward uh an an level or to that of a full carry a level so uh that to me has been one of my most uh troublesome flight experiences where where people are not so forthcoming the service


isn't really (ppc), a very fantastic in that sense but but having said all of these uh uh, shifting the conversation you know to to cover up different dimensions uh what is one of the things that, is your greatest fear I mean one of the things that I do know is is things pertaining to insects I guess but but what would be your your greatest fear in that sense


just just before we jump onto that so assuming you put in a room full of cockroaches and you have your army of Baygon spray would you


be comfortable as what you said


so I'll be world war three lah, spot on uh ya so my my greatest fears would be one of occasion once which as you know the fear of heights where you kind of I need to get over there in that sense so I've not really overcome that but uh I think the fear of heights is real I think many people would would resonate with that uh but moving away


so there's a difference between adrenaline and fear of heights right a fear of heights is staying at a hundred foot building and and just staying down there with the with the glass, bottom now that's scary because you are there for for for a long period of time uh for


over a duration but when he talked about jumping off a cliff or bungee jumping or skydiving for that matter the duration okay skydiving is the outlier here so we leave that one aside but for bungee jumping off uh jumping off a cliff


the adrenaline get you going and it's like a split second right you jump off couple of seconds you're in the water and then you're done so it is a a bit different in that sense in terms of, ah ah ah it being a fear but it it uh in terms of jumping off a cliff it's very different as compared to the fear of heights in that sense but but leaving the whole greatest fears aside right what would be some of the


injustice feelings that you've had around the world be in singapore or beyond uh that, can't stop but make you feel agitated or angry or that gets to you in that sense what would be some of these injustices without touching on a religious political or you know sensitive matters what would be some of these injustices that you feel that are there in the world that gets to you


uh so one of the things that that gets to me in the world regardless of country is the, inequality of income if that's the right way to phrase it, uh so to to summarize and in a nutshell basically the rich get richer the poor get poorer so I don't think I've come across a particular country where


uh you know the the government or or the nation is doing something to to bring that difference of income or to reduce that difference of income into into where it's not really visible but then again I guess that's, life and I guess that's what the world is they will be people that are more opportunistic than others and you know the rich get richer in that sense the poor get poorer


uh but I just felt this is one of the injustice because if you are born and brought up into a a family uh that is poor you probably end up being along there until end unless something miraculous happens to you and and likewise if you are, born with a silver spoon as they call it uh you somehow make it through and that sense to be through connections be through networks or be through money so in that sense you don't have any control


uh which family you're sort of, born into so it's ultimately down to fate in that sense but that's one of the injustices that I feel that, nothing's being done and inevitably the rich are are either way get whatever they want in that sense then the poor always


striving to uh so that injustice kind of, uh get me going in that sense but speaking of that and speaking of where you're born into entered the current generations what is one thing to sort of summarised Vella that you don't like about the current generation or you know the gen Z or the millennials as they call it nowadays what is what is your summary point on that


positive experience


well life is uh a roller coaster in that sense but some of, the little things that make me smile are, gestures, our etiquette, are the way in which people communicate now not to


delved into personalities or things like that but just to take one of the experiences right and all of us love to travel all of us love to travel to especially the western side when we talk about oh singaporeans are going for a holiday it's always US UK and germany one of these european countries and and the things that


uh really make me smile is that genuine, warm feeling that you get to when you meet a random stranger in the outside for example so when you go to to say uh london and you're going to harrods to to get a cup of tea uh the the genuine tea the warmness in which the people come up to you


and and and greet you that that subtle little little gestures kind of really, make me ah oh you want to pause


connect your , just let me continue yeah,


well at least we plan ah and we have a backup over there right so


no you can just click on the record right


ya you better save that first I was just about to say that just save it as recording one or something, and save it at a accessible location desktop or downloads


okay we just continue, cool so so so coming back to what I was saying yeah so in terms of warmthness right so that is those are the little things that that make me smile that little gesture the little warmthness that etiquette and the manners what would be some of those things that


keep you going or or you know put that smile on your face


uh yes definitely I mean they have been many of these moments that that really, you just you just think about that kind of edged, in your memory in that sense about people doing something be it as gesture be it someone, uh holding on the bus for you for a couple of seconds as you are running you know just to catch the bus because you're getting late so many of these little little things when you hold the door open for someone else that's following following through right after so all of these little little things


are really makes that difference in that sense and it's these gestures that, that really have uh a a smile on the face in that sense so so that's that's what I feel uh that really you know keeps keeps it going keeps that love positive vibe and element


uh but speaking of that uh what would be some of the best movies or shows that you have seen I mean you love to watch a lot of netflix and you know things like that so a lot of disney movies in particular so what would be one of those movies that you think is your favorite or that has


sort of stood out in that sense and what is it particularly in them that you really like


yup uh one of my favorite movies will be uh uh not really uh, english movie so I'm going to leave aside the name but it's one of those, little things I mean going back to that point that really uh make you smile in that sense so uh uh that the entire movie was filled with uh uh you know people just having these gestures


understanding the underlying uh uh happiness in life what is what is the happiness what is the satisfaction that you derived it does not have to be a materialistic success as long as you're happy in terms of whatever you are doing so speaking of happy and speaking of doing Vella what are the


most, common things or what are the things that you would like to do that make you happy I mean you shared about movies you shared about cooking you share about food I'm sure it's going to be something along those lines but what are those things that you feel uh you really like doing within your your free time in that sense


yup I mean uh cooking of course is is very therapeutic as you as you rightly mentioned it is an alchemy it is a a sort of a chemistry, experiment in that sense with an array of ingredients uh but one of the other things that I love to do is focus on health uh sports activities like basketball football getting out there and doing something that's a bit different uh sweating for example really get you to distress as well


and one of the other things that I love is to actually drive around nothing beats the tranquillity of some nice jazz music and you know just driving down a very long highway for endless road in that sense so those would be uh some of the


the things that I like to do in the free time and of course apart from their music uh listening to music is is really comforting in its own ways, uh but given that you shared so much about food Vella I'm sure that you must have explored and ventured a lot into food and you know different cuisines and different parts of the world what would be your best meal that you think


you've had this far which is that one meal that you still remember to date in that sense that is really so nice


so for me it's a bit of uh different perspective that I'm gonna share out right to me the best meal , comprises of comfort food and and, comfort food is something that you never go wrong with be it a good Briyani be it some very nice chicken rice


uh be it #char kway teow# hokkien Mee #bak chor mee# and any any one of these right so uh comfort food to me is something that never never lets you down so a best meal for me, would actually be a home cooked food buyer loved ones and then of course comes any of these comfort element of course as you mentioned there is that exquisiteness when you go to a to a fine dining to a marina bay sands or a gardens by the bay you know that is definitely an experience


but if you talk about the best meal and something that I yearned for on a on a weekly basis or on a monthly basis, would be that comfort food where, anyone can afford it these simplicity in life


uh is something that I have been very grateful for in that sense and and something that I really appreciate in that sense so comfort food to me is is one of the the best times in that sense now moving away from food I guess there has been quite a lot of food going on and I hope we're not making rachel hungry as well but leaving that aside


uh what would be some of the most uh uh vivid memories that you have Vella from your extensive travel experiences which is the best place that you have, been to what what would you recollect over there and and what is that one travel experience that


is etched in your heart that always paints a picture right in front of your temple every single day


uh so travelling as you shared is, a a lot of experience that that feeling of excitement when you get when you're packing your suitcase and heading to the airport and getting ready to get on the flight, it's a feeling that I think every human being looks forward to


uh be it for work I mean unless if it's for work can you travelling day in and day out or every other day then you could take a tour but I think apart from that as you said every single experience, of travel is an experience in its own depending on where you're travelling what you're traveling for who you're meeting there's a lot of emotions that's actually shared to that so I don't have an exact


travel experience that's very vivid but all of them are equally uh uh excite uh you know uh did give me that excitement in that sense but aside from that what would be I mean going over from travel to sort of, funny moments in that sense would you would you like to share Vella one of the times that uh you were amuse a lot or you or you felt like you had a a very good laugh in that sense


uh not really I I mean I can't think uh spontaneously of any moment that that that you know where that has caught me perked up so much but as you mentioned uh uh it is really some some things that really get you to to laugh out in that sense so


it really depends from moment to moment in terms of how exactly it goes uh and and what exactly happens to make you laugh that hard so so nothing nothing come into my mind as of now, sure


financial literacy


well I am low to medium risk taker so I kind of tend to gravitate to, vote some properties , some amount of long term investments equities uh even


hedge funds they kind of fulfilled the kind of investment uh and risk appetite that I have so that is kind of like the kind of, investment strategy I would kind of lean towards it's not really a strategy but it is actually more of uh the kind of investment


I would sort of go towards to , but what is your strategy what how would you invest


well I think you need to have a lot of discipline you need to have a lot of uh reading knowledge on this so because if you're gonna take on stocks even ETF or foreign exchange you need to closely follow you need to know the happenings of what


it's going on in the country as well as what are the investments even your FTE's and even your foreign trips that could impact on your, uh ETF's or even your stock exchange or even the natural disasters around the world uh it could take a toll on your stocks I mean COVID is a perfect example of that uh and sometimes


though I think it yield a lot of good financial returns in that sense I I think you need to have that discipline which I'm a little concerned that I might not be able to so I wouldn't say that was my most preferred investment style or strategy for that matter


I think it's a good idea because in the current lifestyle that we live we are used to everything automated so though yes you need to have some scrutiny upon the investments that you want to take on over some amount of ultimacy will give you that


relief that you don't have to keep an eye on it so uh devoutly in that sense so automation is good, but I would expect that maybe a financial consultant or a financial planner would be able to keep you in touch on what is happening or how you might want to invest further


or what would be the newest investment strategies out there in the market so in a conclusion I think automation is actually good but uh in moderation what is your take on this


well option strategies are very much in line to, I mean I think it's a good idea, but uh my knowledge on option trading is rather minimalistic rather that I know that you might want to if you're going to indulge in options you also want to hitch the kind of uh funds you're buying the kind of stocks that you're buying ah but you if not to just change the conversation a little bit but part's you raised


something that was very interesting you spoke about models of instagram youtube so basically social media which has opened the frontier from social media marketing to social media investments, uh making money through social media platforms so in that perspective what do you think is the future of social media and its ability to be an investment platform


well that's a very interesting point Krash ah I would say investing via stocks and trading in that sense, is a bit like gambling but it has a far more higher calculated risk, you can choose how much you want to put in you can choose and to some extent control your losses in that sense but not entirely like gambling where your control is not entirely in your hands


uh so I think uh trading definitely appeals to those who liked the adrenaline rush they are high risk takers and they really enjoy that feel of gambling, so I think trading would kind of appeal to them a lot ah but in returning to that conversation we had it just came to my realisation that you know we


have yet to evolve and we have yet to actually embrace that the future of investments may not be what we see what we feel I think it can be as intangible as these social marketing our social media investment platforms


like you mentioned tick tock and then you have like your youtubes and then you have your snapchats, ah all of these are now a different lead a different level of investing I think this has opened, a huge a plethora of a kids


uh from the age of I don't know ten years old who can start making money, uh I think this is a very interesting point to note that kids at his at his age as young as ten years old can start earning more money than either you and I can, just by posting videos or following you know a certain social media viral trend so in that perspective do you think it's worth putting in time and effort


to actually embrace this type of investment rather than your traditional trading property hedge funds and so on and so forth


well my advice would be it will take that student some time to actually identify his risk appetite or his style of investment strategy that he would feel comfortable with, but a good standing or a starting ground for that matter would be to have short term and long term goals


so I would say uh short term is definitely good because uh a lot of people do not subscribe to the important and the necessity of having liquid cash on hand, I believe uh a really famous investor one said that we don't feel comfortable to holding liquid cash we always feel the need to pocket somewhere


be it a property or it investment but we need to learn to feel comfortable holding liquid cash and that is definitely a very , sound advice which I have learnt and I would definitely pass that onto that student who's starting on his career, secondly uh along with short term that's connecting to a long term would be covering your insurances I would say it's definitely important to have sufficient insurance that gives you a more holistic and robust coverage


it is also dependent of the country that he or she is living in in singapore yes we do have several integrated programs that's gonna cover you medically live and critical illness and so on and so forth, but it's very important that they cover their most basic which is your medical in the event you're in injured uh you have some sort of a income coming in in case you can't earn


and then after that we move on to your long term which is uh investments that will give you money after a certain period of time uh that could be from five years to ten years in an investment world five years is considered short term so I will talk about ten years


if you want to see yield uh in your investment strategies I would say you can identify the different sort of money making opportunities that will yield you after ten years and that would be like your property investment uh


equities mutual funds, ah in the event that you do want to take it a little bit more on futuristic level then your social media marketing or social media investment platforms so this is how I would uh you know advice the student how would you advise Prash


that's a very interesting question prash I think uh with a million dollars check in front of me ah I might just uh do my back plan , which would be to buy two properties and put it on rental ah to gain that sort of passive income because one of my investment strategies and desires to retire ready early and I do not want to compromise my lifestyle


how about you what would you do if you got million dollars


I would say , yielding consistent returns that would be my summation of my investment strategy yup how about yours how would you sum this up


alright that sounds very interesting (ppo)


I guess some of my pet peeves are because I am someone who is, who can be really really uh particular about really small things though I am not OCD diagnosed I do like certain things to be very organised I like to be I'd like to do research as much as possible I like to be as organised as possible


uh because it does mean that you get to have a better experience uh a a better you know product for the money that you're willing to pay so for that kind of a reason, my biggest pet peeve is when people


uh you know they when it comes to certain sort of work say for an example you're running an event, you do need to have it done in advance because that's when you're able to save money you are able to give more value for your client and so on and uh you know people actually like to do things on the eleventh hour that is one of my biggest pet peeve


not to say that I'm not adjustable we can still make it work but what will grate on me is that it could have been better, if it was done in a systematic manner or in advance so that is one of my biggest pet peeve ah absolutely annoys me when everything is in the eleventh hour and you have a very slip short job but uh sometimes it is what it is and you kind of go with it but


one of my pet peeves what is your pet peeve


I think uh I have a lot of thought I think in life it's just not going to be what it is if you don't have your, you know cringing moments I think one of my most embarrassing experience would be was when I graduated I was honored enough to be a valedictorian


uh however as a person who can speak out I do not do well to have my speech written out in advance because I find it difficult to actually read and look at the audience and have a speech, I I don't want and I don't like to be appear to be reading of a paper I like to appear that I'm actually making a speech


so that being said the coordinator was absolutely adamant that, we I had to have my speech written out and so by the time I was looking down and I will looking up, I was reading it a bit too fast and then I ended up ah stating something that was extremely embarrassing and uh it was it was so acute were something like


instead of telling that this professor brought the best out of us actually said he brought the breast out of us, right in front on on stage in front of a thousand people I just wanted to jump off the stage and


then you know die but uh you know it was a, something like there was I think that's one of the good things I like about having this kind of embarrassing situations it kind of like makes you turn around and accept and learn how to deal with the situation


we know when everyone laughed I just said see I just I just addressed the issue and I said see this is why I told them don't make me write the speech ah and I just laughed it off and I just continued but, yes till the day that is my one most embarrassing incident that I still cringe until now so what is your experience of a most embarrassing incident


well I'll definitely have to say one of my in flight experience have definitely been one of the worst, uh I've ever been in I have been travelling since I was the age of one, and uh particularly I been travelling an asia and uh I truly I I remember this one particular inflight experience it was just horrible so we were in this particular set of cabin that was filled with


just men who were returning after a a total tour uh the flight was going towards india and I believe this group this massive group of men in their middle ages I mean thirty plus forty ah after having some tour they've all joined together to go back to india as well


they were completely precautious, they were loud they were making a lot of noise they were harassing the the air stewardess to a point I stood up and told them to step aside and sit down otherwise I would personally make a police report because


the air stewardess is in a very difficult position they can't exactly tell of the client because it's a a customer and they would get, uh a very serious complaint otherwise ah but what they were doing was not right and it was just horrible uh one of the passenger one of the man actually drank insisted on having a lot of alcohol and vomited in front of another


uh customer and that customer complained because the staff was unable to move them to uh the first class or the business class because of flight was full was just, a horrible moment where I was just grateful I'm seated right at the back so no one can vomit on top of me but it was just


it was an absolute fish market they were taking those peanut packages and they were throwing they were throwing across one another that was how horrible it was and they actually would you know it came to a point, uh you know the chiefs steward steward had to get the pilot to actually put on the seat belt sign so that they will all just be seated otherwise they will just going around each other slushing drinks and god knows probably vomiting on someone else oh such a horrible


experience, it was absolute chaos they uh head stewardess she was coming in because I guess there was this affinity being singaporean right and then she was like calming calming I've never seen this kind of thing before and you all like are you guys okay and all of that then we we were being really support her because my whole family was there


as well as it's extremely cute uh elderly couple , we we all decided to write them this complimentary letter uh to say how well they were handling the situation just in case they didn't get any complaint in that sense so they were really grateful about that and it kind of like felt really nice even if you're you know flying in the air no man's land


being a singaporean to singaporean we could really like just, you know share that that sort of uh moment or bonding that !hey! you know what we all stuck in this horrible situation and until we land we just gonna have to stand together and you know


uh make this happen and in their in their position that's very minimal things they could do until I think it came to appoint when the steward had to uh threatened them with calling the police, uh that was how bad it got so that was one of the worst


travel experience ever on a flight I've ever been and I pray to god I'll never get to do that again, okay


(mmhmm)


well I guess you know too much for that matter but yeah I do have


have , I do have a phobia, and a fear against insects in particular cockroaches uh basically anything that flies and the fear is actually more of a it increases tenfold when I do not have my


my commander and soldier and arm which is my baygon spray so you know once I have that beside me or surrounded by me I feel I can take on the world with all as as many cockroaches as it comes but of course that is my nightmare, ah absolutely hate it I think uh they just do vile and


it just gives us that creeps I I there's just there's no way of explaining why you hate it but ya I just, do you what is your greatest fear what do you hate,


well uh if I have those protective gears you know when you be you know like those medical assistance who have to get dressed up when for the COVID ya once I have one of those and I have like you know the spray guns filled with baygon solutions


ya but it's gonna take a lot of courage on my part and I would do it because it's armageddon otherwise no not one of those fear factor reality shows no nothing no amount of money will make me do that but uh because you know the world is dying and you know whatever has happened


for all the armageddon movies that we have watched then I have no choice but to get into this room then yes we will do a military, takeover with definitely


but wait wait a moment you said that you uh have a fear of heights but I remembered that when we went trekking or canyoneering in sibu you without a word you just jumped off a fifteen foot cliff without a single sound how


I think injustices is a very relative to each person, uh to someone who's who loves their entire life in a village or in a very cloistered uh environment injustice would be just something as simple as not being able to get maybe even water from the well and why are you bearing me from it


uh from a position of someone who has been born and brought up in uh in , in a in a country on a nation like at singapore uh injustice can differ from person to person be live in a multiracial society uh but there's always


some sort of feeling that everyone will go through that they feel that injustice it may be right it may be wrong it's does not need to be justified in that sense, but I think the key point here would be that , if I'll to say I felt injustice is that


most of the time you're not really judged on your work or what you can bring to the table, but rather how nice you can be to the boss how kind of a perception you leave around to show that you are working hard and not that your working hard so that is something I've always felt as an injustice and I think it differs from


culture to culture country to country and the way that particular person wants that company I'm not saying that is just only in singapore to cross there around the world but uh, I think it's rather old school but it is still existent in today's day and age that uh it is not just about the work you do it's about the perception you create about the work you do which I feel it's quite a bit of an injustice because


you may not be the boss's best friend but it mean you can bring about a great amount of change and an effective way of working a more efficient way of working that mean to cut down your expenses and your cost and bring a higher profit margin


sometimes it's about looking away and putting aside our differences to come together as a team and not bring our own grudges and personal, uh feelings into it which I find it's very , you know relevant (oo) I it's always around we always have to take into consideration everyone's thoughts feelings and things like that and they're either sensitive if we don't take into consideration their ideas but it's not that we don't work to look at the bigger picture uh with a better team


feeling so that to me in something that's of injustice how about yourself what do you feel as injustice


I can't say this anything in particular that I don't like but I would say uh what they would call the strawberry generation they kind of they get very sensitive over everything they feel uh like uh you know we even singapore education model has been changed to supply to that


nature and feeling which is like we can't do any corporal punishments it always has to be about talking about counselling and I have a lot of faith and respect for that but that being said, there are sometimes you just need some amount of strict disciplinarian to shake them out of this comfort zone and this bubble that they are wrapped into so I mean in that sense I personally feel that uh the strawberry generations as they call it they just way too sensitive or they


yeah they're being spoon fed and they're too protected in that sense ya


positive experience alright so Prash


you must have had a lot of experiences in life I mean there's always that's life right good uh positive and negative what are some of the small things that actually make you smile


and and and gratitude that that subtle little little gestures kind of really makes me uh oh you want to pause


yup we need to pause something went wrong my recording stopped on the lap, laptop uh the laptop ah eh uh then maybe you can just helped me to start on the laptop again sorry I think the speaker died hold on uh okay connect your you guys at seventy okay yup what do I do with the phone recording


ah I'll just just let me continue ya just leave it running ah okay sorry about that, ah it's okay kind of awkward, , but at least we plan ah and we have a backup over there right so


I was like critically trying to okay hold on, okay, okay can you hear me now okay I can hear you guys as well !huh!


I have to do a fresh one right, I can't continue it's going into play already


save as, record on hold on !ee! desktop save okay oh let me do a new one okay kay ready I'm gonna start now ah


do I do the clap thing again, okay so yup we will start okay so Prash please continue


well you are definitely touched the right point of like warmth and etiquette that really brings a smile to my face, I mean it's just something as simple as someone who's smiles across to you while you're standing at the traffic light or someone you know while it's raining offers you the umbrella to like stand under the kind of makes you think that !hey! you know humanities is not lost after all and that there is actually


uh people out there who's just gonna make the world a better place I mean there's good bad and ugly in every country every street and every corner that you turn into but uh it really makes me feel positive, to know that there's actually similar minded people out there as well it's just whether we connected and more importantly for me ah I personally believe in this one mantra in that sense it's to be the change that you wished to see in the world


so as much as we expect that sort of warmth hospitality and etiquette from others be it from whichever country they come from I think it's equally important for us to practice that in order for us to see that in other people


so in that kind of a sense do you have any experience or anything that you have gone through that you feel has made a marked difference for you in your life Prash


well you're absolutely right I love disney movies and I love pixar movies ah nothing that I felt ashamed of its despite being an adult because ah I feel there's a lot more, takeaways motivational points and inspiration from those movies ah than a lot of other films that I've watched one of my most favourite is ah ratatouille


ah eh because it's about this rat that does amazing cooking that makes you really hungry and you want to go for a fridge raid but apart from that what I really loved was the kind of inspiration the chef, gusto will impart to uh remy and he know he will really tell that it is not about where you come from or what


you know you're made up of it this is all entirely in your hands you can actually go forward and, you know really build and be whoever you want to be your only limitation is who you are and we sometimes get so caught up with what the society would think what think what our friends and family would think


that we actually limit ourselves and our souls and our spirits and basically what we can do to reach the stars and sometimes when you feel really disheartened I felt that this quote actually really you know sort of, you know brings you back to say that !hey! you know what


we are all go through some deep waters at times and it's just all in your own taken perception to get yourself out of that and keep going so what is your favorite movie Prash


so I truly enjoy reading books I mean reading books has kind of been my companion and my best friend since I was in primary school it opened for me doors


uh time travels you can go back to any sanctuary of the, the living world and to get get to experience something that's amazing it teaches you to cultivate this amazing thing called imagination, and shows you that the world is your oyster in that sense so I love reading I think it really helps one to to be more creative helps one to really use your imagination it helps one to to see a lot of things in perspective that you did not realise it


it it you know it it's out there as well along with that I particularly also like cooking because I don't know why but I just love food I just love the way you know it taste and it just, intrigues me that how you know even referencing on ratatouille how you know you have one ingredient and you have another ingredient that tastes completely different but you know when you merge them together !wow! do you get a totally different experience and that is something that


actually really attracts me and uh I totally feel so motivated to go and find out what else can we do it's kind of like a feel of a culinary alchemy, when you work with spices and nutrients and the going back a little bit on a old school level


uh what you put in your body is what you will be with uh today's day and age and the number of rising ah diseases coronary ah diseases in that sense and whatever, you know with singapore even being the one of the second highest in terms of diabetes heart attacks and so on


I sometimes feel it is not necessarily because of the Briyani or your soup Tulang that you eat but particularly the kind of uh additives a kind of preservatives that's being added in our in our day to day uh food because we are all so busy we do not have time to actually


cook food and even when you do cook food it's actually, something that it's , that has a lot of uh artificial things injected inside it there's a lot of genetically modified food and I believe in time to come they have actually altered our DNA and in time our organs


to actually absorb it in a different manner and yet we are our body is unable to take it so in that sense I truly feel that cooking actually can bring a lot of happiness can bring a lot of health


and I mean we take that time out to actually care about what we put inside our body it would make a world of a difference, what are your some of your hobbies what would you like to do usually


interestingly


you would expect me to say like maybe at this country or this place but I think one of the best food I've eaten uh but cuisine is very mediterranean but uh surprisingly it was this


vegetarian meal which I had at our very own gardens by the bay uh restaurant poland I was really impressed and at how immaculate, and how much thought process it gone to into creating this amazing four course dinner and it was entirely vegetarian what made it (ppc) even more intriguing was the fact that everything was organically grown


and sourced and the flavours were amazing like, until now I can taste it at the tip of my tongue uh to tell about how they have just use, holistic uh spices uh herbs to put together something that's just so natural and I feel that is an element that we have all missed out in this coming years I mean if you can't


afford to sell hundreds of dollars to taste this kind of amazing food it comes back again to what I am trying to advocated which is good food, you know is is what that makes you feel good makes your body feel good and uh I must definitely say poland has nailed that ah with the type of food the the kind of pairing uh be it for the drinks as well as the courses itself so by the time you reach your dessert


it's absolutely exquisite yeah definitely unforgettable experience, how about yourself where's what's the best cuisine you have eaten


I would say travelling itself is an experience I think everyone needs to to go through it is a classroom that has no warns but it teaches you so much in life about things that's just way beyond books can give you


uh so there's no such thing that there was a best experience because every travelling, every time you travel is an experience that can have a coupled with a negative positive but it's about that you have learnt from it and then you could move on from there


ah similarly I would say I mean in that direction what I would say is, one of the most vivid memories I have about traveling was when I got to travel by myself for the first time it was to me the epitome of my independence and more than that I got to explore it as what a local of that country would


and not nothing too fancy nothing too far I did my first trip to sydney when I was uh eighteen and , absolutely loved it uh even though I did stay with my cousin I went about everywhere by myself I just learnt


to be independent there was no one there to take care of me ah and it was an absolutely exhilarating experience not to mention the lovely people I had the opportunity to meet uh new friends and uh that I think that's the most beautiful part you get to meet new friends in the most


unforeseen circumstances and you know thanks to social media you get to still keep in touch with them across half across the world so that is something that is very special to me, how about yourself I mean you have traveled quite a bit right prash uh what is your most vivid memory of travelling or any particular country that you love


uh for someone who actually laughs a lot I think there's a lot of funny moments that has happened in my life


but uh I think uh one of the funniest was definitely uh, when , I think uh when we when I when I successfully manage to go for , for a clubbing session and uh we we saw a fight and I thought I thought it was extremely funny because I didn't realise that that was a serious matter I thought it was extremely funny and I started laughing and


unfortunately I think I brought on the route of the who happen to be part of some, uh angry state of gang fight and uh you know they decided to come and make some trouble for me which I found it even more funnier and I actually laughed so loud and so hard they actually got really irritated and my friend thought that I had just some you know gone berserk for that matter


uh but actually it was uh the best way of dealing with it because I just kind of made unconsciously made them see sense that what they're doing is absolutely nonsense so that was actually something extremely funny, uh that happened but of course maybe not the whole experience but to me that was one of the things I laughed so hard how about you


on my phone finance


do you a have a saving account, if so share your experience and details, name and features of the account of your, why did you choose not to put your money in the bank


, I have two saving account I I have one with err, POSB and one with OCBC, and, I credit my pay into POSB and then the rr


OCBC is just err I use it for promotion, like credit card discount and stuff, ya, so do you have a credit card or debit card


me , I have, err I I have a POSB credit card, no I have a live fresh card card, and I also got debit card lah I have both, I use the credit card (ppc) for promotions same same as before I use it for promotions and then


for just shopping discounts, some may argue that bank interest are unattractive,


while others while others may feel that their money is save an accessible in banks, in light of these err would you save your money in a bank or invest it somewhere else


(ppc) I currently have half of the money, I split my money into three portion, twenty five per cent in POSB twenty five per cent in OCBC and the rest of the fifty per cent I have them invested, in a still life


yeah, Singlife and, Singtel Dash ah ya, ya so I I split up all my money lor


err I had student loan lah but I pay off already, (ppc) okay then


do you think couple should combine their finance and open a joint account


for me it's I also feel that, these couples should not combine their finances and opened a joint account, everyone should have their own account and then, I I prefer privacy even with, my partner like I don't think


we should have a shared account in case something happens you know, like, you mean she run away or something, okay then what age do you think a child should be given a ATM card, to manage their own bank account


for me I think, thirteen sec one should be enough like they should be matured enough to have a bank account, to have a own personal account I mean, they can't really do anything much with a bank account lah maybe you don't have money to do anything


so having a card doesn't matter, , okay so (ppc), cashback points or miles which type of credit card do you think people should be using


okay for me I agree ah I would, I I, all my credit card is like under cashback, because points amounts are under the t and c of the credit card company, so the I mean under the bank ah they can change it anytime they want


and then they can fix it up, like it's not reliable, having cold hard cash get getting back cold hard cash is more reliable and safe, (ppc), what is your experience of purchasing insurance product from banks


(ppc) okay same for me I didn't I I've never purchased any insurance from bank before I did it all through, ya real agents ah from agents from outside insurance company, I didn't


nah I didn't buy anything from the bank insurance before, do you have a high yield bank account or fixed deposit account


high yield means got a high interest rate lah then fixed deposit is you need to have a certain amount of money inside before they will give you the interest


ah so yours is fixed deposit lah, , same same as, and ah I have a I have a high yield bank account and also fixed deposit, but , both of it it's not giving very good rates right now lah so


I'm just trying to invest outwards, okay then (ppc) so what is your experience on purchasing a investment products, from banks, like a unit trust ETF


do you know reeds, okay , it's, same here I I didn't buy any of that, so I I have zero experience too


okay so if you currently if you like received a big windfall what would you do with the windfall


I mean for me if I receive a big windfall, most probably I would, I would it depends on how big lah but if it's big enough I will just keep my job and then do nothing for rest of my life I wouldn't invest on anything


I will just have a chill, low spending lived then I will just use the fixed, interest from bank, using it every month yeah I mean if the windfall is big enough lah, if it's not big enough I would most probably continue with my life and do nothing


like treat it as a bonus, okay then do you prefer okay you


the bank interest is actually pretty bad it's like less than ten cent that's why I'm spirit spreading out my money into other, other investment and, method like the Singlife account, and Dash account they give better interest rate


Singlife give two point five and Dash give, one point nine five or two yeah, so it's better than the bank lah, that's why spread out the money around okay , then do you prefer to use cash or go cashless when they're paying for goods and services


okay same same here lah I also prefer to use cashless go cashless, that's why I sync all my credit card and debit card to my phone, so, technically unless I go to a market, I can I can go out of my house without my wallet


and I can just bring my phone around, hopefully lah everything can go cashless lah so far singapore hasn't progress that far, so it's more troublesome yeah, (ppc), then how did you spend your money, like what of which


which expenditure that you are spending on is justified and, what have you been spending too much on


okay (ppc) for me is every month, I use about twenty five percent of my pay to pay for bills, and then give my mom, and then the rest of the money I actually


I I just split them I I I don't have any, set amount to save, I just save whatever is leftover but usually I don't spend more than, three hundred a month for myself so, I didn't really spread it out I just let it be


I just buy whatever one but even when I buy whatever I want I also spend less than three hundred, so it doesn't really matter, ya (ppc), do you think you should like err do your own finance or get a financial adviser to plan your finance


okay I mean for me I'm just doing it myself because, I trust myself more, yeah like, I rather manage my own money than let someone else do it, okay so


how do you manage your cash flow how much of your income is allocated to spending expenses and insurance


and then ten per cent insurance thirty per cents bills and family, then the rest of the sixty percent, I see fifty per cent and then ten percent lah just use it but it's not fix lah


okay so what can you do to earn extra income or improve your income level


the way I get an extra income is, this for example ah I will just you know, do this meeting and get eighty bucks, this what I used what I do to get extra income, and then I put (ppc) extra income ah


no I I I don't, investment [orh], ah I've come I want lookout, okay then do you have a habit of saving


how do you ensure that you hit your saving goals


I don't do any of that lah I just split, my account into, two, yeah yeah as long as I got money to spend ah cause my spending is low ah so I didn't, I don't really allocate anything out


ya my spending is low I planned to increase my spending, uh, okay then what is one financial advice you will give to your the you five years ago


my advice is, don't save too much just use it all, you can save when you are older, you shouldn't save when you're younger what what's the point, yeah


then you you're the money you save here now still have meh, ya lah exactly so, when you are younger you don't save just save when you're older, (ppc) so okay so how do you invest your money to accumulate wealth, or planning for your retirement


just waiting for a good opportunity to, invest before us I mean to invest in stock form, for now I'm still doing my research but when I'm ready I'm planning to do that, and then, successfully then I can you know stop working and quit


(ppc) so then what strategy would you recommend to someone planning for their big ticket expenditure, by car buy a house go travel start a family


I mean for me is, don't do any of it, ya I mean don't buy house don't buy car, don't start a family wait until you're older thirty five, no do you when you are ready what


if you start a family now you're gonna suffer what, you know unless you earn a lot lah, ya lah, so it doesn't make sense to me, to get married or buy a car or buy a house at


how do you manage your financial commitment before or after marriage, ah before and after yeah


for me it's just do whatever I want lah, ya beaten, ya not yet before I blame you do FI one after, I I will have to be after that I will know lah for now I don't know yet like this ah


okay , oh so it's a negative experience


describe a time when you felt trapped or helpless


most probably when I realised one of my best friend got psychosis, and then he is like suicidal and I do not know what to do, and after researching and I have no idea how I can help, and he is like getting worse by the day lor


so what are some of the hurtful words someone said to you that you wish to forget


for me ah the most hurtful words someone said, to me that I you wish to forget err, err


err oh you will fail the exam, prepare to get an F, ya ya ya from my history teacher in sec four, okay can you describe the saddest scene you have ever witness


err the saddest seen I've ever witness ah


when thanos snap and then half the world disappeared, can you describe a time when you felt that nothing you do is good enough


goes for me is most probably, in my first, week of work I guess like, I don't want to know how to do any of the work I'm supposed to know, and then everyone else seems very proficient in their work so


make me feel like whatever I do is not good enough lor, I mean ya , can you describe a time when you feel that nobody cares about you


same here I have I don't have that kind of, moment and even in my, worst moment I think someone know cares, about me at least, okay , what do you often worry about


what do I often worry about, , whatever I was worrying about happened already I'm I'm often worrying about, when work from home will end and then for me it just ended two weeks ago, and I also start going back to office


can I find what is the saddest moment of your life


my saddest moment


saddest moment of my life ah , when I was job hunting and then my mum was


is there one thing you wish to change but we'll never be able to, no ah for me is the one thing which


(ppc) have you gone through any work loss in your life, if you have described your moment at the time and how did you deal with the loss


ya same as you are the only loss I've ever experience is, grandma and grandpa died but, I wasn't close with either of them so, I was a little bit sad


but I got over it really quickly, (ppc), okay so what makes you stressed


what makes me stress ah ah ah, err I'm I'm stressed about having to go to china next month, because, because I will have to be quarantined for twenty one days, and then that I had to go for the COVID swab three times


just for a three day work event, it's making me very stress because I really don't want to go but I have no choice, that's the, that's what I'm stressing about right now, what is the most traumatic an event you have ever experienced in your life


traumatic


for me ah traumatic, most probably when my girlfriend say I love you and I couldn't say it back then I break up with her and ran


err what is the biggest thing holding you back from your goal


the biggest thing that's holding me back from my goals ah, my family hor, there are the only thing that is holding me back from doing whatever I want, like the, the burden of them hor


there's a african proverb that goes the child who is not embraced by the village will burn it down down to feel the warmth, has there been a time in your life where you come closest to starting the fire


most probably when my mother is making a lot of noise lah like you know, she feel like whatever we do is not enough for her, so I wanted to move out and cut all contact with her, and never speak to her again, and burned down whatever relationship we have


but I didn't lah so far still still suffering, so far still suffering, soon lah soon lah maybe I'll start the fire, it's kind of a time when things


turn out not meeting your expectation


most work for me ah like most probably when I ran for like job interview and then, I thought the interview went great and then I didn't even get a call call back, while that, should that should be the, yup I expected lor


okay then what was the weird worst thing you have witness and kept quiet about


err worst thing I have, witness , keep quiet most probably, err worst thing at worst


err my friend cheating and then I kept quiet, yup, like you know two different friend, guy and girl and I know both of them got a significant others but, they were cheating


but I didn't bother to tell their ah partner ah you know not my business, so can you recall a scene from a movie that made you too angry to watch


scene from a movie


err err


a scene from movie that made you too angry to watch, toy story when andy give woody away, describe the time when you are unable to help someone in need


for me ah err unable to help someone in need, now ah like I said one of my friend have is suffering from psychosis and I do not know how can help, I do not know what I can do to help


everything I check online I also cannot help, I meet up with him, he is the same no difference, suicidal, then when he is on medication he will


be very uncomfortable puking and stuff, ya, nagging to go rampage and stuff you know, I don't know what I can do to help, and I don't want him to commit suicide


what is your greatest fear


my greatest fear, internet collapse world war three , a series of unfortunate events describe a time when everything that could possibly go wrong did go wrong


so most probably for me is last year, like I went for six job interview and I feel six, and then my part time job, I I was doing working for err another company part time and then


the company collapse and then they didn't pay me, and then, what didn't pay me like two k plus, yeah ya so so everything that can go wrong went wrong [orh]


err do you have phobias how do you overcome them


phobia, for me ah, I have no phobia maybe I, vegetables, I just don't like to eat vegetables and I avoid them at all cost, and I did not


positive X EXP


describe a moment when things turn out better than expected err


okay for me most probably is when, when I applied for my current position, because it was my (ppc), sort of like my dream job and then I applied for fun because I know most probably I won't get it


and then they didn't reply it for like four months and then four months later they called me, and then another two months later I got a job ah so, things turn out better than expected ah cause, (ppc) I didn't expect to get a job, okay


so what's the nicest thing someone has ever told you


nicest thing someone has ever told me, I bet you have a lot of friends


so what's the happiest moment in your life


err happiest moment in my life (ppc), saturday morning, ya because no need to go work, then tomorrow off another day


err can you describe one of your most memorable travel experience


my most memorable travel experience, most probably when I go to the (ppc) penis festival in japan with my friends, and then, ya like it was it's a moment that I will always remember


because they are worshipping a very big, so so have you decided how you want to describe your most memorable travel experience


(ppc) okay then what's the oddest or most unique compliment you have ever received


err for me most probably the oddest and most unique is, I'm damn impress you haven't gotten beat up by now


(ppc) (ppc) so err what are you thankful for


for me ah things that I'm most thankful for, I'm thankful for the internet, if not life would suck, (ppc), okay then what do you use to hate as a kid but now love as an adult


you understand the question or not, (ppc), (ppc) err I used to hate reading when I was younger and now, I love to read, ya books ah novels


ya but I hated it when I was young what, I only started to like reading when I'm like what twenty one, books lah not comics lah


okay (ppc), what was your best birthday present and why


birth best birthday present ah, err I mean for me it's the same every year I just go out and eat every year we don't really buy birthday presents


so, every year it's the same what just go and eat cause I got nothing that I really want, so, nothing much it's all the same, always just go eat but I'm happy with the food lah so


okay so what is your biggest blessing in disguise


my biggest blessing in disguise, err, blessing in disguise, probably


err the, oh COVID, COVID is the biggest blessing in disguise, I get to work from home, I get the same pay


I get to save money, its biggest blessing, what is the comfort food that you can always rely to cheer you up


err for me comfort food comfort food (mmhmm)


maggi noodles, (ppc) maggie noodles I love it, okay so what do you love eh wait wait wait what do you love about yourself


err for me what do I love most about myself err


I love that I don't, I don't need to pretend to be someone else, who in your life do you looked up to most and why


I look up to #halimah yacob#, I, can become president without doing anything eh, I want that to, I aim to become a #halimah yacob# in the future, I want to get a free


free president I want to become a president for free


I I I maybe at work when I help my colleague to do something and then they be like, thank you very much I would have died without you helping some no, so can you please describe your perfect day


my perfect day would be, waking up at two PM, having breakfast in bed, then I go back to sleep until six, and I have dinner in bed, then I will watch show


it is my perfect day, then I will have no no one disturbing me I can do whatever I want on the bed and I don't ever have to leave the bed


okay so can you describe a travel experience that left you in awe


for me it will be the same as previous, when I describe it previously when I went to japan to the, penis festival, like, I'm truly in shock ah there are just celebrating the penis eh so, yeah it it's left me in awe till now


okay so (ppc) what's the biggest reward you have ever received after doing an awesome good deed


for me ah most probably ah, when, when I was working as a supervisor in the past then one of my part timers


was dying because they don't have err she has diabetes and then she didn't tell us, and then she had a attack and then she really needed some sugar, so I got her a coke and then she drank, and then she revived, my reward is she's alive


can you describe an experience when your faith in mankind was renewed


for me ah, is most probably when they cancel the course, like my faith in Mecca is renewed, is renewed already they he got cancelled


what led you to experience an adrenaline rush


when when I found out I got, when I I found out I got accepted for my job


then can you describe the moment when you felt the luckiest


luckiest ah, when I wake up this morning and I find I'm still alive, what's the what was the proudest moment of your life


I cannot hear you by the way, I can't eh oh I can hear you now okay, you got cut off for a bit okay continue what what you said


for me ah my proudest moment was when, I went on at, the same lah my my japan trip I went twenty one days to japan without knowing and a without knowing any japanese, and then we went for for twenty one days with my friends


and we managed to survive


!oi! I have a savings account under OCBC, bank yeah I always put my savings inside this account, and not from spending, ya, what about you


err, okay okay, so you do, err I only use debit card don't use credit card ya


because I find at I I prefer to use, man err the moneys in on my hand which I have currently and rather than using future money


(oo) okay prob


currently all my moneys are in my I put inside my bank because I, do not, really like err keeping cash and there's currently not much investment opportunity for me to invest so I will put inside bank but if there is if happen to have any investment opportunity I will probably take a


part of my savings to do investment


oh okay, so oh so you will have you got do you take loans from any banks


for me I never take any loan before so I'm not I do not have any experience in that


but uh for me I guess that err do not encourage joining account as a kind of are troublesome you have to track each other's transaction record or keeping so I prefer to split err split account


okay, I think at the age of fifteen children then we should give a children a ATM account as at that age I guess is there are more understand they they sort of more understand on values and money


yeah guess so, err I think it targets at different groups of people !wah! if


people would like to travel they will probably go for miles and then like, it, err for most of them I know is that they go for cashback, as for points I think thats target to more , senior people like they love to


up they love to keep points and exchange for something


yeah, eh I Noon I didn't purchase any insurance under banks eh !aiya!, only only under would insurance agent


cause I'm not too clear about banks insurance


err not really leh, for fixed deposit you mean, I I'm, he will explain like this crash her a bit


err I guess not only that if you do not have the


certain amount at a aged twenty six then it will start deducting two dollar from your bank that's all, oh


okay


no I haven't get to that stage yet ,


, I'll probably do investment in property


ya buy house and then rent out yeah, then it as for investment wise I will still need to look at other opportunity and learn about it because, in this area I'm not to clear about how it works to


so I wouldn't raise it yet


, , okay, , you do you earn a lot of a lot of interest on the banks since you got so many banks account


oh I prefer to go cashless, ya because like it's so convenient and you don't need to have any change like coins and all, and the and currently all the in currently everyone is going cashless in the world like mostly they are starting to venture towards that


yeah yeah


actually err for my spending while I, every month I split for my monthly expenditure as I keep give myself five hundred dollars and then the rest will, be splitting out to the household and insurance and mobile telecom and electricity bills


so, I I think it's pretty justified on my end and then and, the savings is still okay all right with that


ah okay,


I think is a wiser choice to get a financial adviser, because uh I'm not a person who can I'm not too sure yet lah if there's a big amount of money how would I like actually, err split up or what


and maybe a financial advisor can give me a better idea in in like how should I save


err I would say, err around forty percent are for savings and then seven and ten per cent to insurance then, for expenses why is like twenty per cent of why twenty percent of my income


ya, insurance wise is, ya just now I say at around, ten to twenty percent


oh okay, err regarding this, the only way I can think of having extra income is to have, to do


other miscellaneous job if there is and the sort of part time one but its, but it's not like , standard part time job every week probably like just, err, if there's chance then I will just do


ya true truly what I mean, investment in four d does it counts,


oh ya of course, err, I won't purposely go and


unless there is like a, emergency use of money then I will barge to our budget savings account, other than that I will just leave it and use my spending account,


as long as you got money to spend


err, start saving I guess, but to myself I, for me I'm think I'm still pretty all right cause I don't I spend wisely and then


ya I will try, I will thought fired about try to save as much as possible,


, okay then with, it is safe and then go travel, spend already one


or retirement retirement owl


oh I have this savings savings insurance so, I guess, that after twenty one year I can take out that money, and for my just spending hor


cool so you don't have to investment of the for the rest of your life,


I guess traveling for me travelling is like a better option you get to see the world, and, for in singapore you don't really need a car because like, the transport is so advance and everywhere there is MRT right so travelling is like the best thing


then do what


before ya haven't married so I will talk about before, err talk to the the my partner and then we plan things out and see like, if we're are going to get a house by when by at the age of what we should have, each of us should have how much savings


yeah and that's like the, our goals yeah what about you ya because, you don't plan to get err get married right


okay, negative experience


trap or helpless, trap a one let me think for awhile


basically do not, basically do not have any helpless moment, the most helpless moment the the most trap experience is that, when I ah


trap, when I do not know how to do my, my school style that's the most, ya because I I don't really bother about other people's business


, not that hurtful I guess it's just that they do not know that I have lazy eyes but then they will say something about my eyes that's all, yeah but yeah I never meet any, really


evil people in my life


oh ya that then that one that one is , I guess part of it, ya ya ya okay,


that will be like witnessing my grandma passing away in the hospital, ya, ya that's like the saddest thing in my whole life other than that it's nothing sad


, good not good good good this quite, I I think probably is during work time that like what you do


and then your senior that wait, always have thing to say about it and then to you you will think that or it am I not doing the things she want it or not good enough yeah probably that


, ya I guess so, understand


ya , nobody cares, I don't really have a time like that


ya because, whenever I'm sad or what I will show in my face and then, my closest my closest friend or family will kind of asked about it so I don't


have a time that really feel that nobody cares


yeah, err my future like I'm really worried like, it , in the job prospect right


what will what will I really end up working as, ya because like now is still a bit lost, ya so that's probably one of the, biggest worry right now


saddest moment, saddest moment, I think I'm quite optimistic leh but saddest moment


not really sad but it's just, no leh can you show me your one first like


oh my saddest moment I know already that I have been planning for my japan trip visa and then COVID strike, and I have to cancel all my travelling, that's quite sad actually


I guess my very first full time job


lost, the only lost is that, err my grandma lost err my grandma passed away that's the only lost


ya and, ya, it was quite sad at the moment because like we have been like spending err most of time together ya


very quickly yeah understand, what makes me stress are probably err work stuff like I have to worry


normal, nothing much to stress on, ya, oh then good luck to you


traumatic incidence ah, I don't do really have leh


everything that had happened in my life


mine is probably during my secondary school one of my classmates err did, uh tried to commit suicide yeah, because like err, he was make fun he was being, err make fun by the others


yeah that's the only traumatic incident


err myself I guess like I think I'm not, I'm not hard err, not that hardworking enough to like go and learn something new, ya so


if I if myself who willing err is willing to learn, err willing to learn than it will be the best lah cause I can like


and no probably I won't, err go and start something but it's just like I'll just ignore because like that's my, strength I will just ignore everything


so terrible, okay can


it I think it's pretty common is like your grades lor like you think you did you did very well for this subject but in the end err it turns out what the grades like shit


exactly


worst thing ah


I didn't really kept quiet about it instead I I went to ask my mum to go and resolve it because like there's this couple who went to travel with us and then that husband kept hitting on the wife so I have no choice we have no choice but to


seek for others help


ya true true you just keep to yourselves will do, cannot recall a typical scene but as long as the movie is like doesn't make sense then I guess


it will auto make you angry ah, err like some hong kong movie like


no matter how they are just a normal human being but, they got beat up but won't die one lor


so emotional you


unable to help, not really sure about this because


the person who the people who will seek for my help ah all my relative only


oh okay okay


that's really awful, waiters here is


greatest fear, no money hor


singapore go bankrupt


I mean it's pretty you have to be pretty unlucky to able to go through this series of events I guess


what luck do you have, your life is really bad ah


phobia, not really phobia I guess it's like


ya to accept that I have lazy eyes this matter


I guess it's insects


ya start where, err for shh I guess it's my driving test cause I thought I was going to fail sit


and already failed twice before that and then, I think I did a mistake during the test and then I was expecting it to be a fail but end up it was


okay very lucky then


err, I guess that a lot of people say I, I'm very cheerful I keep I have six now ,


yeah


okay, , uh having to earn my own, own money, now I can spend them however I like


ah saturday morning


so its now, yeah


err one, I I think I got a few because like travel experience like is from its with different party like, in when I was younger it was with it it was a family trip and then when I'm older is like with my partner or and my friends ya


each different with different, travelling with different parties has different memories I guess, like ya, so memorable, err, there's too many can you share share to me yours first


ah,


oh leh there's too many eh ya having like, , I will say having to see my very first snow in korea, ya and then play, yeah I play with the snow lor


err, I think what, all the compliment are quite true


, , I, unique ah, I'm not too sure leh


err ya true true , , , err my family like, , not every not every family can like


communicate well with each other and then, yeah I'm, thankful for them lor, ya lah because we are quite close, ya you


okay


err


hate exam but now I also hate lah so, I know right , you tell me yours first ah


really, but you have been reading since you were young


hate eating rice but now, fine with it, , best birthday present


, there's a lot though, birthday present


a and, whats best birthday present I got a lot uh, you say first I let err let me think first


yeah err yeah, birthday present, err probably the present given by, you know my my partner, a necklace


ya necklace, no need to take out some more when you shower just, easy to maintain


blessing I will say that my life is pretty much, smooth going like I don't need to worry about anything that is particularly, , what yeah especially I do not have to worry much about money


ya as it is still err in a comfortable living, ya, you I think you your one is the money right, ,


okay , so you are blessed recently only, err for me is the the definitely sweet stuff


err ice cream and cakes yeah very important


okay, err being cheerful and ya being cheerful I guess like, like and laughed easily


look up to err, in my life, eh err my mum I guess since she brought me up, by herself and then and I do not and with that I don't even need to worry err


for my own food or whatever spending, yeah you probably someone who is rich lah, , that's your dream job


okay I will nominate you the next one


err this one ah, it's not really uh you you will be people appreciate by saying thank you I guess and then you can feel like you can know if their sincere about it lah


ya true true


a perfect day with, err having to do the things that I've planned out, without have without any impromptu changes


and then, having a good meal, with all my favourite food, I think that will be my perfect day,


might as well you go hospital, , yeah oh halfway halfway like it


, oh


with me Bangkok Bangkok their their national day Songkran, which I have experience once and it was really fun, yeah


the penis festival


rewards ah I guess err nothing really


call that biggest reward but, the most that they for the person rewards you is treat giving you err treating you to some treating you to some food, ya and I basically


I don't think I had done any awesome good deed so ya


!wow!, , is it a true story , , okay


err, if I happen to see someone, helping a random stranger, doing something out, outside, probably I will guest like or actually there is still people


who is that kind in this world to help, , ,


so your your faith in mankind has yet to renew because, oh really, I have okay later I will go and search,


err


oh oh my recent one is there uh I happen to strike a four D and then you give me chicken chicken skin even came lor , , yeah


a lot of moment though, now when some someone who treats me like I don't know really good and then I'll feel like I'm the luckiest person


okay , , proudest moment, err


I guess is having err obtaining my driving because it was really terrible, yeah and I I I don't intend to take that, is because I do to someone who force me so I no choice I have to take and at like it was really scary during the


exam and then yeah and I passed finally so it's like, okay I'm fine I'm very proud of myself, !huh!, ya


part one finance


cashback points or miles which type of credit cards do you think people should be using, (ppc), I've feel that, the, cashback uh should be the preferred, one because it offers


best value it's like money sitting in your pocket and the money comes in right away uh the next best could be points uh but point of a disadvantage in the sense that uh, you may not be able to use it for the kind of things that you need


okay and the (ppc) next thing, about, purchasing investment products from banks I have never purchase uh, any insurance, products from banks, uh even though I've considered


some for travel insurance purposes which were tied to the banks but uh did not in the end purchase it simply because it was way too expensive


okay as for me I think uh (ppc) banks are relatively safe and the, in modern environment and uh, considering that interest rates given by banks tend to be quite low, I would rather look for other kind of assets which will would be able to give me better returns so I would prefer stocks and bonds


because they are clearly more attractive, it may not be as liquid as bank deposit so just to, be on the safe side I will keep, a certain amount of cash in the bank, , let say five to six months in the bank and try invest the rest in other instruments


so the I'm setting amend ah I can just head on the loans from banks spot, uh like she said we don't have any, (ppc) home loans , from the banks but I have, have taken some temporary unsecured


loans from banks before the there was like about fifteen years ago from things like ready credit , uh credit able , you know from the different banks, uh simply because they often, some, attractive interest rates for short term six months twelve months and uh


uh I settled everything before the


uh the way I look at it it's uh (ppc) it must be, simple and it must uh suit my needs, and of course the payments got to be, uh timely, and there shouldn't be any complication basically when I look for insurance I'm looking for things like


term insurance or perhaps medical insurance


okay my my response is that, uh , what's important at this age is uh term insurance, and health insurance, and then as uh she was pointed out we travel a lot so we do have a travel insurance and of course the home


is also (ppc) insured, and uh as far as uh, the percentage of income that is uh used for insurance is basically about two percent


(ppc) our insurance products as was uh mentioned it's uh spread out, it's a, like NTUC income seems to be the key, uh provider of insurance in terms of health insurance and uh some of the term insurance that I have the other


uh agency is aviva and, and uh directasia for travel insurance but even though the travel insurance for the, time being has been stopped to because of the COVID situation but, once the situation returns to normal will probably pick up


the travel insurance maybe from directasia again if not


uh the same thing the only claim that we did was whatever it was just mentioned the, the many year ago on our trip to, australia and uh it went very, smoothly, uh they of course they had asked for some paperwork and so on


and then it took it took like about a month to, circulate but eventually it was uh


my opinion is that uh I am a DIY guy when it, comes to (ppc) insurance, so I buy policies not necessarily services of an, an agent, so I will look at the coverage and see whether it's an established company and whether it suits my needs


I may check with the, friends and , others who may have a purchase to see whether, whether this uh (ppc), policies are reliable or not, and uh, I don't see myself as being a


a insurance agent and so on at all uh I will never be one but if uh if if I'm, looking at it from that point of view, I will be uh, asking questions like


uh what are your needs, uh what is your budget, and, what is your financial framework


so looking at the first question uh do you have a savings account yes, yes I do uh, mine is also with the POSB, (ppc) and as well as uh DBS, I also have other, other savings account like uh


uh with the with my uh uh uh, the teachers uh co-op, and uh the government uh servant co-op so that's also a, savings account but I don't I don't make any withdrawals


from that account at all and uh uh, ah of course uh why I choose, to put uh, my money in the bank simply because of course it's uh it's safer to leave it there uh and it does pay a


a certain amount of return you don't go the return are not attractive , and as far as uh credit card's goal I do have a two credit cards by, but I try not to use it as much as I used to say it one by two or three years ago uh because there is really no need to uh uh


as for a debit debit card I do have a debit card, uh with the one of those uh new, credit card companies call transfer wise and I've been using that, for some of (ppc) my expenses uh the uh so features


names and features of, the credit card my credit card is is the citibank, and I got one with the OCBC and this uh third one is the transferwise, we also have a credit card with


account would be like a like the multiplier, account with the with DBS no we do we do have ya we do have some are those are ya so, would joint account yes we do have one


yes I don't I don't think they had it when they were in singapore


I think the way when me brought up uh our kids that was a slightly different error easily about you know seven eight years ago but in today's context I think uh the children may need, to have a ATM card even when they are in


secondary school because there's a lot of digital banking going on, so in order to conduct their their financial affairs they may need the ATM at a much earlier age what do you think


for things like being for things like being your your usual you know uh daily expenses monthly expenses you can use the joint account but then


okay now it's works


part three negative experience


in my case I I've never felt that, the world, was against me and, I nailed it I think again it goes back to my my own uh character that is that


I always have a positive, attitude towards life and the kind of, background the the philosophy that, I I practice uh (ppc) uh


implies that you know my negative experiences are minimised and, even if it happens I always treated as temporary, and uh uh


try to look forward for a positive outcome in the long run so something bad could have happen but I tell myself this is just the norm, and, just wait it out things will


work out normally and then move forward so the the basic uh feeling is that you know it, whatever happens happens for a reason


, whether it's good or bad it's part and parcel of your life you just, have to go through it and uh, just make the best out of it


any experience to share about


okay uh just like the the, the question about heartbroken, you know uh, describe a time when you were looked down by your friends or relatives I again I got , I don't have a , any experiences


to share because I guess uh, I did not go through a difficult, uh childhood or you know growing up and neither can I think of a time when I felt uh betrayed


uh but my my basic uh thinking would be you know, like all these happen there is nothing we can, can do about it you can't change the world or even the next person so why bother the key thing would be to


to adapt, yourself adapt yourself and, and and uh live on, so in terms of uh this, uh, thought about dying tomorrow what are your last words to


your loved ones, well at least about, fifteen years ago (ppc) I write a book which are said that you must live the life as thought you're gonna die tomorrow tomorrow is the last day so it's very important to live life


to its fullest, I can't say for sure that I, I have uh I've uh adapted uh or rather adopted that thinking and I'm living like uh, uh today is my last day but if I am to


give advice, to to, loved ones it would be to live a good life without any regrets, eh, and the key thing is to uh cry and leave this place a little better or even if you cannot leave the place a


little better just, make sure that it's not just end


and you will always have a satisfied


I would agree with you, uh but, it it doesn't it doesn't really bother, me you know uh it doesn't personally hit me, because the way I look at it


it is nothing new you know we we look , we've had about, five thousand five hundred years of recorded history you go and look at the history books all these injustices that


you, see today have been recorded five thousand five hundred, years ago, it is a recurring theme, it's just the way humans are made, so whether it is slavery or, or you know racism or homophobic behavior inequality in equity


this have existed five thousand years ago


I'm saying yes you can acknowledge it but there is really nothing


I had a similar embarrassing moment, uh few years ago I was wearing a a linen shirt but I think the shirt was uh , easily like about six or, seven years old, then all of a sudden when I was coming back home it started tearing


, just as I was about to leave school it started tearing at the back, and uh uh, thus I didn't have any spare so what I did was I took a, a plastic bag and I carried it on my shoulder


but uh but it but it it it happen when I was


okay uh I my opinion about, (ppc) the, dreams dying a little each day is the way I look at it is with each passing day you are a step closer, to your end okay so one could have had a lot of dreams as to what a person wants to achieve and


their life and if uh, many of those things has not been realized, of course you gonna feel uh let down K, so uh one of the things that I always wanted to do was to travel the globe travel all the continents even


to the arctic and antarctica but, the way I look at it it may not be a realised dream it may not happen because, you know time is (ppc) being to run out


they already so many take other, things that needs to get done uh some pass of the world which we haven't travel to you want to spend a lot of time there so uh so this this uh


part two, positive experience


okay I I think for (ppc), my part, I would uh say again same thing it's a family friends uh and neighbors teachers, and uh, people who have met along the way so the


the canadian experience was clearly something, uh, where we (ppc) came across people who, helped us in uh time of need without expecting anything, in a return uh


besides this I think, , I would probably (ppc) like to recollect, , the efforts of perhaps teachers, there are some teachers who have helped me when uh there was a need for their help K so first we can


go on to the next question what was the


one said I would like to recollect to be, like those uh special, vegetarian meals on, a special days in the hindu, calendar there is like about uh five or six days in a year where we will have a very special vegetarian meals


meals which uh will, include uh besides the normal rice maybe about three, different types of curries and, about seven or, eight vegetables and then some sweets uh, desserts to go along at the end the of the meal of course uh besides the pepper pepper soup as well as the uh yogurt


so that would be, one uh memorable meal that I can recall another one that I would uh mentioned is (ppc), a meal that I had, at the touch


restaurant in uh india I never thought that south india meal uh could provide a, very good fine dining, experience from the


starters down to, the main dishes which included chicken mutton and, uh and some fish, to the desserts as well as drinks that, uh it had the order to follow the (ppc) different uh courses I have never had


the chance to experience uh a meal like that, in a in singapore or any other part of the world so that clearly uh gave me a good memorable experience, and of course there have some other restaurants that we had gone to


uh I think in terms of a special, event that I (ppc) attended and, really looked forward to, to was a the, children's graduation, ceremony , I (ppc) recall


, our son's graduation, ceremony in uh in canada and uh we had, (ppc) made all the necessary plans to, to, do the traveling but there were some


issues with my, the, uh e-visa the ETA from, from the, canadian high commission (ppc) it did not show up even though it was supposed to be , a straightforward application normally takes about twenty minutes for


(ppc) be uh visa application to be approved, after a week I still haven't, gotten it so ended up having to make some, uh, emergency plans because I there's no way I could, travel into canada so ended up


uh buying an emergency ticket to the US and I applied for the US uh uh e-visa and I got it within the, the twenty minutes, and uh I had something like about eight more hours to catch the flight and that's when the canadian e-visa


comes to, but unfortunately that ticket has already been cancelled and I I, I I bought the new ticket to, to travel to canada and then travel overland, (ppc) so eventually what


I ended up doing was bought a, a uh, a one a one way ticket from uh new york, to toronto and I made my uh trip to canada


uh but the, the feeling was you know am I going to make it will I be able to attend the ceremony, so uh, those all these anxiety


ya so it was only because of the, but there was like about three days before the ceremonies


in terms of taking (ppc) risk and being (ppc) rewarded I would say that, uh when it comes to, to certain investments that I, I've made, (ppc) over the years uh I had taken the risk and been quite well (ppc) rewarded so basically


some of the stocks that I had gone in, to which had pay me very good return things like uh singtel the GLT uh and the local, local (ppc) bank stocks


and even some of the REITS that I purchased like even like fifteen fifteen years ago , so (ppc) these were calculated risk taken, but, sometimes uh not necessarily uh cold calculations just by


uh looking at, basic figures and then going with the, the gut feeling and uh, by and large I've been, uh lucky uh I don't have any (ppc) loses from uh


these these stocks


I, I feel that I'm a very uh, positive person you know I my outlook towards life is always been very positive and I, I feel that life is short so you must try your level best to make it uh as sweet as possible


so with the thinking that tomorrow, will always be a better day, , I don't think I can I can go wrong, and, I also feel that uh being appreciative of whatever has happened


uh, allows you to uh, being in a, a positive mood, so with this I think I, can, uh withstand whatever life throws at me


and survive uh, now as far as for the post COVID world , I I think it's important to be


appreciative of everything that's happening but I have become uh even more aware of the importance of some group of uh people especially the front line


(ppc) staff uh, uh medical personnel emergency workers, so I think uh we should learn to appreciate these people in a such circumstances


done fond memories fond memories, memories that I've shared shared with the loved ones I think they their travel experiences that I've had with family (ppc) all these years


would the clearly count for, fond memories I can recall, the trip that the we took to, uh sarawak in nineteen ninety seven , to you know kuching and uh bako (ppc) national park


so that would definitely count as a, very fond memories, and the several trips that we had taken to, Bali uh, over those years as well, with the kids


so those were (ppc) enjoyable moments (uh) another, (uh)


part one finance


okay I would agree uh uh on uh using cashback because


uh a commercial uh shops so I would look and


okay for my part I've never bought any insurance from banks or investment products at all, I I do not deal with it in that way anyway ya, next will be whether it's necessarily true that banks uh give you a better rate because of the interest rate I don't really think so because it depends on the size of the banks the banks are small then they can go bust


depends on the government where the banks are I mean the country where the banks are located so that is would be a factor me but then again I wouldn't leave all my money in a bank


okay and as for taking loans uh from banks I don't really have any loans from banks uh individually uh the only loan that we have uh


is on our HDB property but then again the loan was not from a bank it was loaned to us from HDB so I think that's a big difference from HDB and loaning it from the bank, ya that, that's the first five questions you wanted us to uh discuss about


okay and then uh coming down to uh the topics on a insurance the first question was uh you know what would make me decide on you know which product to choose or which company to choose I think for me it would be a question of


whether the product is reliable and whether will be easy for me to use it should not be complicated and it should meet my needs very very specifically and not cover just about everything under the umbrella, and if the need ever arises uh the companies should be able to payout timely and not have too many unnecessary questions I should be getting what I signed up for


okay and then with regards to my age uh for me at this, point as I'm turning sixty uh for me what would be relevant would be home insurance, health insurance primarily and travel insurance because I do expect to travel a lot more from now on and uh in terms of how much of my income I might use for insurance because I'm married so I don't really have a single insurance on myself so I think we


put out about two to three percent if I'm not wrong yup that that's how much we are spending


okay and uh I don't necessarily get all my insurance from one company per se uh, it's like shopping right you don't necessarily buy your clothes from just one one shop so I get some from one and some from another so it all depends on their policies and what they offering so ya I will pick and choose when it comes to buying a insurance uh product


okay I do not own a car a property well the just the HDB and then travel yes uh we, do take travel insurance as mentioned earlier and when our kids were young we had, you know insurance for them health insurance and travel insurance because we travel with them uh not anymore we don't take it for the kids because they both adults now and they live separately so they take care of their finances and their insurance matters on their own


and we do not have a helper and neither do we have any uh commercial interest so we do not have any in uh insurance uh to cover any of those, and so far uh with our property or with our travel insurance we've not had any problems everything was conducted smoothly I would refer to one experience when we were had gone to australia and our bag had arrived late and so when it


eventually arrived we were advised to claim insurance which we did when we came back and the insurance company did not you know question uh anything in fact uh we had only claimed a very small amount but they paid out a much more than that at least triple the amount so yeah so it's it was a good experience


okay and uh when choosing an insurance company I will look and see how long the company has been around uh I would check for reviews on the company to see whether there's been any complaints


against the company with the authorities I would see for the length of the service uh, uh of the insurance agent also and then if they meet my needs and based on that that's how I would go about choosing an insurance company and if I were an insurer I would


approach my clients to get to know them first find out there are reasons for wanting insurance package and, you know they may say they want a b c d e I would you know prefer to study and see whether they are really choosing it correctly do they really need all the things that they say and then try and maximize and uh you know give them the best possible package that meets their needs and fits their budget


okay think that's the end of uh part one with pretty much covered that, okay


oh okay okay oh just go on so even though there are phone shows part one finance it hasn't gone to, you know I didn't touch anything, okay okay


okay so even though we have finished talking about the insurance plan, okay


I see see okay so it's fifteen minutes on my phone


ya I can see up to number seven yup, okay do I have a savings account yes I do uh my accounts with the the POS yup my accounts with the POSB bank


uh yeah I pretty much it allows me to uh withdraw as many times as possible I don't think it requires me to have a minimum maybe it does require me to have a minimum of five hundred I don't think we had a problem with that uh because both of us working so


yup and ya that that, basically it and we do have a checking account but we don't use that often enough, we don't necessarily write cheques often, yeah I do have a credit card uh


I do not use it as a debit card at all , uh debit card because my my POSB card is my cash on my card so that's my debit card so I don't use my credit card as a debit card at all and opening a joint account yes we do have a joint account and the


details share my experiences uh no no I think having a joint account for us at least it's been smooth flowing that's been no issues of any sort we just keep track of uh how much money is left in the account and how much is one spending and the other doing that that what we are doing


okay okay ya so so siva go ahead


had do we have a yield high yield bank account like number four it's asking do we have a high yield bank account or fixed deposit, we don't right, which we don't do it


we do oh okay (hmm)


okay, and then number five, what age the child be given an ATM I think both our kids didn't get the ATM till much later right once they started university isn't it


although they did have a bank account in singapore each of them had a savings account with POSB and that was about it and then sometimes they might you know deposited deposit their savings or withdraw money if they needed but uh ATM account no not till they went into uni and then they have their own account


right ATM and they offer have their own credit cards ya, ya ya, and both their our kids accounts are not in singapore though their bank accounts


I think we are done with those five questions, oh there's still another three minutes is it, okay on the uh (hmm)


uh, which question would you like us to talk about more, choose uh okay uh, what about number five siva what do you think you know what what age should they be able to manage their own bank account


ya perhaps the but not such a high amount of uh money deposited into it on a monthly basis may be they can you know it can be topped up and then uh the child can be you know issued with an ATM card, so not a credit card but just the strictly debit kind of a card because I think if you give a very young child a credit card the temptation to use it uh is high and then then the interests will pile up because in the ultimately the parents are the ones who gonna have to


pay up so I don't think they should be given a a credit card but an ATM card yes with the fixed amount so that they know that that's all the budget they have and they have to spend within that and it should not overspend or go over the limit, ya


okay what else , should we combine our finances and open a joint account not necessarily I think some I think sometimes it's good to have our own individual account so that we know how much we are saving and how much we are spending when it's a combined account uh there's a possibility of you know uh losing track of how much money there is and


and then you may end up spending more than you you need to whereas if it's your own money you are a bit more cautious even if you are a couple I think you need to have your own uh finances, that's my personal take on it ah


I think the the couples card uh finances can be combined when it's a paying towards common bills like household bills electricity utilities uh, uh those kind of stuff marketing transport perhaps but anything else over and above are your own uh shopping or your own uh expenses you know leisure activities or dining out or going out with friends I think that should be kept separate so yup perhaps couple should maintain a separate account uh


uh and you know agree to put so much into the combined account and and the rest of it goes into your own account, so I think that will be, much more better and you would avoid misunderstandings I think