I'm thankful for quite a lot of things actually I'm like very thankful to be born in the family of siblings actually because like growing up I realised a lot of things that I have learnt is because my siblings were there for me to test it out first


so like in like just like the way I react or the way I behave around my family members like my mom or my dad or like even like uh relatives, I feel like is because I see them like grow up and I see them like talking to people and that's why I know how to behave to others so like like if my my mother were to scold my siblings right I would learn from that I will see I'm like okay so that is something that is like


like worthy of getting scolded off so like maybe if they if they were to like leave their cups on the table instead of putting it back okay and so I know that that that is like a reason why my parents would not like it so and then I will learnt from it, so many of the things that I've growing up with right I feel that like is because I see them do it and then I see them so they are like trying and testing it for me and then I just have to


take all the things that already been tested so that is something that I'm really thankful for and as growing up right I realise this is actually like something that not many people realise but actually the siblings the kind of mold the person that you are now like they will tell you what to do


and then they will actually tell you how to do it or they will actually give you many many many like suggestions on how you can improve something and then they have gone through like the same the same era so like they know like


like what a twenty year old be feeling or like what a twenty year old be like struggling with because they have been passed that so I think that's that's something that I'm very thankful for because like, I feel like they've already they already done all the things that I want to do and then I just need to like take whatever experience they have and then put it into my own situation how about you like what's something like the nicest thing someone has ever told you


uh may I just think I think would be that I was a, like a good friend a true friend so, there is this like I was working temporary jobs after I had like finished my full time job I just wanted to relax and then I just wanted to like work something that is not really uh very hectic job so this job was actually a twelve hour shift job where we take temperature because of the COVID nineteen situation


and then I met this person like during my shift so our shift are like twelve hours right so during this twelve hour we were just talking and then we just like like, telling more about each other's like life and then he actually printed out like the budget forms because you know singapore had the


budget like the new budget like forms out so he printed it out and then he was passing it to us and then he was letting us like read it so we were reading it and then we were saying all the new budgets that like was like uh john for singapore and then suddenly at the end of the shift he was asking us like many questions


was asking us like oh how to uh what do we do now or like what what what what's like the procedure after this and then we were very confused cause most of us there were already like one to two months into the job, then and also because we heard that they weren't hiring anymore but then this guy was asking us a lot questions so we were asking him like oh so like uh are you new here like like why you asking so many questions is it because you like you are doing a different part of the role like


the same job but a different role then he told me like oh no today is my first day and then we were all very shocked because like it was a twelve hour shift, and then like we only knew that it was his first day at at the end of the twelve hours and then we were like oh why didn't you tell us earlier then we could have like told you more about like how to uh how to like what are the procedures when you see the people are like the fever or you know then


we were actually very surprised because he didn't even look like a new a new staff, and then after that like because uh he wasn't sure of like all the things around the the area right, so I gave him my number and then I said if you need any help you can just hit call me and then I can tell you what to do or like what's the procedure because the area that we working was at the airport and the airport it was like


very big because there is different terminals and then there is also the inside area and the outside area and then after that like we just kept in contact so even after I left the job and then we like kept in contact , he actually texted me he was like hi what are you doing right now and then I was like oh I said I'm not doing anything I'm just like at home because of the COVID situation


I don't really have a job either then he texted me oh how about you try for this job so I was like oh okay so he gave me a new job like, a new linked to a new job and then now the both of us are in the new job as well but then because this job is !wah! like island wide so we don't meet each other and then there was one time that he needed the payslip but his payslip was wrong so he actually has a few friends in this job already


and then all of them like he asked them can you like uh send me your payslip and then I just wanna check like I I just want to check whether like the payslip matches with mine because we are all doing the same job we are all getting paid the same our payslip should be the same , and all of them said no


except me I said oh okay wait gets just give me a moment I will just like like you know like blank away my name my IC and all my important details and then he told me like, like out of all the people he asked I was the only person that like replied him and then reply him fast and then still like was willing to help him like and then he felt very sad that like not many people were willing to do that even though like it's just a payslip and then you just have to blanco the


the important details so he he told me like I'm so happy that I brought you like I told you about this job because like like, at the end of the day right I was the one who still kept him in the known and then like every time I will text him I will say I am doing this right now and then update him on the life and then like also because I sent him the payslip and then he told me like there were so many people that he brought in


that, weren't willing to do that even though he is kind of the reason why they got the job, so when you say that I was a true friend I was really very touched because I'm in my like early twenties and he is in his late forties and for someone like who's so old to say that to me I think like


that was really the the best compliment I had in my life, because they've seen so many people when they are already like forty and he already has three kids and then like to give me that praise I think like it felt even more special, like like I feel like he really appreciated my gesture even though the gesture was just really very small to me it like didn't even mean much to me so this is really something that like I I always think about so when I'm like feeling down or something and then like I will just think about how


he has said like oh do realise these like oh you are such a nice person I'm like thankful to know you, yes, , yes do you have any like, how about yourself like how what were you describe a perfect day


yes, , chocolates I really love chocolates everything chocolate, yeah so I like I was I will always look for different kind of chocolates but like white chocolate is like something I always look for so when I'm like upset or anything chocolate is the way okay thank you


part one finance


err hi I I think I only have a medical insurance, what about you


if I'm not wrong I think my medical insurance helps with funding the hospitalisation so if I'm hospitalised and I'm staying overnight in the hospital then I will be able to make some claims


but if I am not hospitalised I don't think I will be qualify , I'll be qualified to do any claims but ya is only medical insurance so for example if I travel I don't have any travel insurance or any other like life insurance yeah so and it since you don't have an insurance like what type of insurance are you looking into and why


I think if I'm not wrong I have been having it uh since I was born but then I mean so that means my parents purchased it for me but yes I think it's


since it's strictly medical related I guess , there's still like many other interests that I can search into and see if I want especially cause now I'm like legally like an adult above twenty one so I realised that it's about time that I start searching for my own insurance and what I'm interested in and what would apply to me


so yeah I have been looking into it and I understand that since you are still looking for insurance like I was just reading out on insurance and I realise that there are quite a few things you need to like take note and even I was like quite unsure of it cause , obviously the insurances I mean the current insurance I have was actually chosen by my parents so like


I had no say in it so I think one thing I realise is that it's very important to know about like, the maturity date of the insurance and like , exclusions and like flexibility because I realised that sometimes when you have an insurance and you realise maybe there's a better one or something else that applies better to you then you might want to change to that one and so before you choose an insurance is


since you are saying that you are looking into it good for you to see if like what the penalties for suddenly like changing your interests to another type and yeah and like the maturity date and maybe what the limitations of the insurance , ya so when you talk to the person who has advertising on the insurance maybe it's important for you to ask not just the good side of the insurance but also


uh besides the benefits also the limitations and what happens if there is any like breaches in the you know, in the guidelines of the insurance and also I think one important thing is to make sure that you are not over insured so I saw is like you must make sure that


the insurance really applies to you and your financial needs and not just like oh if a friend recommends you this insurance maybe the insurance applies to her very well but it might not necessarily be a good insurance for you so I realise there are actually quite a lot of things you need to look into and I think I also need to look into in the future also


ya just I guess it's good to really read up, yeah and anyways so you said accident insurance right is there any specific kind or is just like generally looking into accidents or yeah


yes I think , I think what you told me is very applicable and I really understand because for example getting like a car insurance there is so many different insurances and it's very hard to choose but you have to really make sure you choose something that really applies to you


so thus of course in the insurance company point of view , they obviously want you to take insurance like they they want you to purchase something from them , but from our point of view we want to purchase something that will in the future definitely become useful to us and give us some benefits so


I really understand so I think insurance is quite a tricky situation so an example from an personal experience would be that when I went overseas we obviously rented a vehicle because it was uh , like the country is very big country so you have to travel quite a lot and it was it just wasn't worth it to actually like take public transport too much so we rented a vehicle and of course at that moment they asked us if we want to purchase


insurance then it's like a basic insurance and then there is like a insurance that like covers everything like any sort of damage to the vehicle so, at first I was thinking is not necessary to take like the the second insurance which is the one that covers like everything


because I was thinking we are only renting it for like a few days like what are the chances that will get into an accident and everything , and but then uh apparently they were having quite a reasonable pricing so in the end we decided okay let's just pay that that small amount of premium since it's actually just quite uh a reasonable amount of money and we are splitting among five people


so we did that but little did we know that we would actually , get into a minor like accident so what happened was we were like my friend was driving around like the mountains and what happened was because it's a like a mountain right so there is only two lanes one is the incoming and then out is like


and then is a outcome outgoing one so we were travelling around the outer lane like towards the mountain and there is another vehicle coming the other side and what happened was , suddenly I don't know why but the driver of the other car was not keeping to his lane and he was like fast approaching us and my friend didn't know what to do at that moment cause


he was already crossing the middle line so there's only two lanes he was the friend I mean not the friend the opposite car was fast approaching and was it around driving around the middle line and we did not have enough space and if we just kept to our normal like, the way we are driving we would definitely have hit the other car so at that moment he did what he could which just to swerve


more towards the right side which there is a railing there and yeah just to avoid that car so, in the end when he swerved, we actually make contact with the railing and so that was actually quite a big bump like there was a dent yeah there is a dent in the car and on the two doors on the right side so and actually my my friend lost control of the car and then got back into control so


I really was super shocked from that whole experience and the dent was quite bad so the first thing I mean we are glad that we all safe but we were really worried about the payment and like what we have to do now you know but, thankfully the the insurance that we did which is the one that you know we paid a bit more managed to cover everything ya so we were really really like at that moment we were so grateful that we decided to take that additional like pay that additional premium because now


we are definitely is reaping us benefits than the losses we incurred because I'm sure that if we didn't take that insurance then we probably would have had to pay thousands, whereas because we took that insurance already I I don't think I think we pay like maximum like a few hundreds or something yeah so that definitely reap us some benefits but if we didn't come into any accident then I would think like (hmm) you know


why did I decide to pay that extra premium so I really think , in this kind of situation it's very tricky to tell whether you need the insurance or not, because this kind of vehicle accidents are very unexpected unpredicted but I think we what we have to do is weigh our like financial needs and our leisure activities and our daily lifestyle to see if the insurance will apply to us more and there's like a higher chance of us using it


so in this example I knew that we all knew that we are going to travel a lot because we are all going overseas as friends and we are gonna like you know drive to many places of interest and attraction so , I guess it made more sense for us to take the high premium, yeah so like what is yeah


no I think the claims process is very easy ya we just explain to them the accident what happened and like how there was actually like no fault on our part


because if we were driving as per normal we would definitely have crashed into the other car and I don't even know if we will alive right now if that happened , cause it was uh it was really a mountain but because we decided to swerve and like kind of like hit the railing and bear like the dent cost and everything we manage to stay alive and also


ya like we we kind of avoided a big accident from occurring so ya so I think from our part is not a fault on our part so we still can like you know qualify for the claims yup but, ya so I think what you mentioned is really true about the fact that different insurances have different rulings and different


criteria so it's very important that we make sure that the criteria applies to us and that we can use it if we get the chance to so that you know it's like beneficial ya, then what about you do you think if you get a car you will get like a car insurance or anything like that


!wow! that's really good


yes, I think yeah when you travel especially for long periods of time is very very important to get insurance but of course what type of insurance like is is like different from individual to individual but is definitely very important to get insurance because


for example I had a friend who uh I'm sure this is a common story but basically she has travel insurance and she when she was travelling she lost the phone or like someone stole there was this time we went to canada and my friend's , uh phone was stolen and wallet was stolen it was such a bad day but thankfully she said she had insurance so she could claim and like purchase a new one so I am sure that at that moment she was very thankful that she got it so I feel that maybe if you are travelling for a long period of time cause that canada trip was a two week trip


so if you are travel for long period of time I think insurance is very useful , but if it's just a few days maybe you can kind of see if it really applies to you and if it will be beneficial for you to get insurance for just that short amount of time , but ya I really think that overseas insurance of like car insurance they are all very important yeah


(ppl) thank you


part three negative experience, what's your biggest pet peeve


(hmm) I think my biggest pet peeve, is when, oh actually I also have a lots since that irritate me but I think my biggest ah my biggest pet peeve is when someone feels very


, when someone doesn't say thank you yup that is like my biggest pet peeve like I don't know why but , I just feel that saying thank you such a simple thing and makes the person that you say to feel appreciated but I just feel that not enough people in singapore say thank you and yeah it's just really irritates me so just like a small example would be when


I hold the lift open and the person goes out and yeah I mean, normally I make sure to to say thank you and most times people do say thank you so thankfully that's good but when people don't and they just like walk out like as if like that is my job and I'm supposed to hold the door open for them


I just feel very very triggered and irritated yes or like even when like maybe someone asks me for advice and I give them advice and then they just say oh okay and then they just go off and I'm just like like you mean


what the advice that I give you is not worthy of a just was like a simple thank you yeah so like I know every things are just small things but there are lot more , like, important occasions when like you like do a favour for that person and the person doesn't say thank you and then maybe later on you meet that person and the person say thank you to like someone else for such a small thing and then you are just like


like is it you did not say thank you because of like me like the person you are saying to or is it you forgot, ya so for me I really feel that, that's one of my biggest pet peeve like yeah and if if I'm really close to that person I usually would actually just tell the person like I think you should be saying thank you you know


ya because I really cannot stand when people are not appreciative for what they have and to be honest when someone tells me and I forgot to say thank you and someone tells me I will actually be receptive to that feedback and realise that oh ya I forgot to be thankful for this so


yeah I think it's important that people remember to appreciate things and also remember to be receptive because I guess all of us can have our own pet peeve but, if someone but if we might we ourselves might forget to also you know like be as considerate and thoughtful so ya that is one of my biggest pet peeve yeah and what about is there anything you dislike about the younger generation


yeah I think what you said was a very good point which I totally agree and I think for me what irritates me is when they question a lot of things, so just like what you say I think it's good that they question you know procedures and like things in general but sometimes I feel like even like issues that they should not question they will question it and I feel that it's very


like disrespectful like in my point of view so for example I think like and is simple a simple example will be that in school , long time ago like maybe when we were in school like primary school if a teacher scold us we will just understand that it's for the greater good and then we will just try to find out where we went wrong and then like not do it again


but now I feel that there is this very sad situation where teachers themselves have to always, be on guard to like protect themselves because like social media and like technology is just so prevalent that whatever they do might be like broadcasted and the next moment they might be like worried that the the child and her


parents are like her or his parents are like suing them for like maybe scolding them too harshly or something like that so I feel that is very , it's a very unfortunate, think that this like situation that we uh teachers are put in because sometimes even though it's good to question sometimes teachers just don't have time to rationalise and describe why they are scolding the students sometimes they are just scolding because they need to be scolded they need to have some discipline in their lives and it's very very hard to


instill discipline without scolding and I feel that it only applies to some students like maybe some students can learn discipline without getting scolded but most students when they are young need some form of scolding to really like create that that discipline in them


so I feel that actually in certain occasions it is really necessary for teachers to scold students harshly and be strict with them but yeah it's just very sad that nowadays because , students and children are getting very smart and getting and I I feeling just very entitled to everything that they just you know always


want to get their way and if they don't they just simply try to see if there is any way that they can like sue teachers or like you know you know just like kind of like yeah get them in trouble and I just feel that it's just it's just just very sad because


in the long term the teachers will definitely forget you so actually the teachers just want to like look after you and like they want what's good for you and that's why they're scolding you I don't think anyone enjoys scolding their student


is like I have a younger brother and I didn't I definitely do not enjoy scolding him but I , I do scold him when I think is necessary and to discipline him yup so basically I feel that teachers actually scold students because they want what's best for students and they want them to you know have better discipline so that


later on when they are older they will have that discipline in them to do to prioritise what they need to do and things like that so I feel that the younger generation really , is too sensitive and are really pretty entitled not all of them but


most of them seem to be quite entitled and I feel that this is adversely affecting other people around them like teachers and maybe parents and like the older generation ya anyways flowing on what about


maybe describing what's your greatest fear


do you mean like uncertainty


(hmm)


yeah I think my greatest fear would be, uh disappointing my parents I'm not sure why but that's just always been my yeah my greatest fear I think cause when I was young I I used to do quite badly like in primary one primary two and my parents were very very disappointed in me and I could


and I could like visibly see it and I really really felt very very bad so like I think that just kind of like got etched into my mind and now when that I'm older I just feel like my greatest fear is disappointing them and yeah so actually to be honest I think


I think like it's not really rational because right now I think my parents don't get easily disappointed and of course they'll, if if what I did make sense they won't really feel very sad about it and especially if it was not in my control at all but I just feel like because of that fear


I actually innately always want to do my best in everything that I do so like for example like in university I really want to make sure I'm doing my best so that I don't disappoint my parents , so I feel that indirectly my greatest fear has like kind of like


motivated me to do my best and like push me but, there's always just that fear because you know usually fears irrational so just like what you described , normally I'm just really like if I do badly in something like the first thing that comes in my mind is that oh no are my parents going to be very disappointed


by this and it's just a very a very energy consuming fear I feel and I really hate it for example another example would be when I was overseas and I injured myself


and I was just starting uni at that time so I think the first thing that came to me was, like I was very afraid of disappointing my parents because they sent me overseas to study to ensure that I do well and now that I just injured myself before even like starting the first few like lectures I was very worried it will affect my studies and everything so


I was I was so worry that I did not tell my parents for one week that like I had a major injury , so I think that , ya this is one of my greatest fear and I feel that actually not many people not even my closest friends know so yeah it's a yeah it's just one that's like my greatest fear yeah just disappointing my parents ya anyways what about


you and what, can you share a time when your best friend back stab you and how you felt about it how did you react


I think for me I still remembered this very prominent incident basically it's a very simple story though basically in primary school in primary one I have this best friend and we were best friend for quite we were best friends for quite, long like for a few months like in primary one and then suddenly a clique like this famous clique of five people asked her whether they will whether she wanted to join their clique and you know in primary school ya all about popularity so she immediately !wah! said yes


and then they said that okay you can join the clique but your other friend can't join the clique meaning me , so just imagine at primary one suddenly your best friend comes to you and tells you that sorry ya you can't be my friend anymore because I'm joining a clique and they only want me but not you so when she told me that I was really devastated


it was as if my imaginary boyfriend was like breaking up with me kind of like feeling and I was I remember I cried and I told my parents about it , I was just so upset because I felt like had all our memories been like valued to nothing like they amounted to nothing to her for her to just so easily throw it away and say yes to joining a new clique who like she is not even close to


so I feel like that's that incident happening at such a young age in primary one I think I like what seven years old eight years old so , ya it really scarred me and until now I still have bad emotions connecting to that person so if I ever see that person again I would feel very I wouldn't really have pleasant feelings towards that person so I really felt that she was


backstabbing me by deciding to throw away our relationship not talking to me anymore and just joined that clique just for the sake of popularity so that uh I think that occasion just showed me that popularity was more important to her than our friendship and that really scarred me and it really made me


reevaluate my friendships with everyone and so yeah I think that incident is really one of the very unpleasant and yeah and negative experience in my life yeah, but thanks for sharing yours too


(ppl)


what what was some memorable moments from your younger days


oh help me , positive experience, oh yes what was some memorable moments from your younger days


I think for me , yeah I like the carefreeness of yeah the carefreeness of the younger days so basically , for me a fond memory I have is that , after like during secondary school after


the school ends we will just go down to the bubble tea shop next to the secondary school and we will buy bubble tea and we will just drink and talk about so my my best friend at that moment was from a different class


so we will just share everything that happened during our lessons and any irritating person just talk, you know talk cock nonsense and like we will walk back and basically my house is very close to the MRT station , so she takes the bus from the MRT station as a bus interchange to and my block is right there so we were actually have so much to talk about that we will underneath my house is a playground so we will actually sit at the bench at the playground and we just talk for hours


and so and while sipping the bubble tea so I think that is just really enjoyable for me because , as you know I think like for all of for all of us secondary school it's pretty stressful and I think and obviously during class there's not like a long period of time where you can just chill and talk to your friends and recess is only about thirty minutes or to forty minutes so it's really not enough


so I think that that wind down moments after, like school is over was really much needed for me and I really treasure all the different conversations I had with my best friend and yeah it was just very carefree because I feel that as you


grow older you know responsibility start coming down and you have to start make a living and you just start realising that , the world is not just all rainbows and sunshine so is actually almost eh all my memories from my younger days are all good and memorable moments because I just remember how happy I was


not that I'm not happy now but I I just that you know we just more carefree then yeah and I think think some other things are just like , in CCA I was in girl guides so I think there's just that born of like being in a uniform group so like just like if there is one person who didn't do what they were supposed to do the whole group gets punished


so I feel that even though we all have our own differences in the end we still care for each other and we still come together to talk and bond with each other so I feel that, those memories are quite nice because we were really like we really take everything together and not you know discriminate one personal at all like just bully one person we are always


sticking for what sticking up for one another so I think ya I have a lot of fond memories in my secondary school ya and what what do you have and do you have anything you are very thankful for


I think nicest okay I think a nicest thing someone told me was I had a friend in uni so my friend told me that I was very good at , consoling people and cheering them up and just empathising with them because she said that I had a very genuine heart and it was very easy to see from


just like being with me compared to when you know some people just say cheer up but you can see that they don't mean it and I felt really , I think I felt really touched because I no one has ever told me that and when she said that I felt like I was making a difference to this world as cringe worthy as this sounds and yeah I just felt very happy at the same time cause


yeah cause personally I really really love helping people which is why I I want to do uh like a career in health care sector so it was very nice to hear that I'm good at making people feel comfortable because I think that's


a skill that I really need it once I start working in the health care sector so yeah I think that that was the nicest thing that I've heard about myself because , ya I really feel that since I'm a very talkative person one thing I'm very scared of is that I hurt someone's feelings or I unintentionally you know make the person feel maybe like inferior anything like that and I really


hate to do that because when other people do that to me I I feel so triggered and I feel like scolding them so I think that like one policy I live by in my life is that , I want to treat others the way I expect and want others to treat me so that's something I really follow strongly by like try to yeah I just always remind myself so because of that of course when I talked to someone especially my friends I want them to feel as comfortable as they can be so when she told me that she feels


very comfortable with me I was very happy and , I was consoling her because she did really really badly for her quiz for an assessment in uni and it was just the first semester so as you can imagine all of us are still just adjusting with school and like our own social life and everything


so it was really taking a toll on us cause as you go in up into tertiary education is just, so hard and you have barely any time for yourself, and so yeah when she was she was crying and , I was the first person she came to once she started crying and feeling sad so in that way I felt oh and immediately I made some I made a hot cup of drink for her


and then I started hugging her and talking to her and she told me that that was like the best thing that anyone had ever done to her because she said that , you know when feeling sad sometimes you don't just quickly you wanna talk about , how sad you are sometimes you just want some kinship want someone to give you a hug and tell you is okay and you want and especially you want something warm you want someone to give you something just to make you feel slightly better so


in that moment for me I didn't really think too much about that I was just like oh no she's crying you know maybe I should a hot drink will cheer her up so I just made it but when she told me what a big difference like that's small action made I realised that , it's really yeah I realised that !wow! I didn't know that small action could lead to so many good emotions and yeah so


I think that was a really nice thing to hear and I now know a few better like a few more things that I can do to next time when someone comes to me when they are feeling down so ya what about you what is the nicest thing someone has told you


that's nice


a perfect day , oh I think I have so many different and it also perfect day but, I think for me I really love nature so a perfect day would be maybe like


just chilling at a park or at the lake I mean I'm sure in singapore doesn't really have many lakes but maybe just like botanical gardens or like going #sungei buloh# just we spending a day in nature with close friends or family


yeah so, to be honest I've , and when we are younger like I will go we used to go on like trips or like just go to the beach with my cousins and my family and I think those days were quite perfect to me because it was just


very laid back and chill and , just going to the beach itself has its own kind of like excitement of like oh we can get wet and build sand castles and just like tease each other so , and then like after that eating dinner or lunch there and yeah all these and like playing card games while we at the beach even though the cards will fly when it gets windy like I think these


small small experiences just really make the day so perfect and it's really very nice and yeah I think, yeah a day at the beach is the best like but I think also just like days when I maybe want to catch up a friend and I go to #sungei buloh# wetland reserve with like my secondary school friend or something like that like even that itself is also like a perfect day because I'm spending


time with someone I love at in nature so yeah that's really something I really feel is a perfect day yeah and what about you what's your best comfort food that you can always rely on to cheer you up


(hmm) (mm) thank you


finance , , alright elly you wanna go first or


sure, alright at at this current point of time I really don't have an investment strategy


pretty broke other than that uh future future plans for investments uh yes I'm looking at, uh IT or tech so currently there's this trend right now that people are investing in technology people are investing in medicine and stuff


so I have friends that are uh currently trying this out because everyone is all about living that passive income life, but ya so I I I uh lah lah lah so currently I don't know I don't think is that simple to achieve if not then


I probably wouldn't be broke right now ya so , ya I I guess but, I means like to bounce to serve back the quest to serve back a question at you I'm guessing that how to say like


do you do trading are you interested in trading uh ya are you interested in trading or have you like researched on any trading strategy or something ya trading oh sorry trading trading


alright alright let's go, yeah


yeah


alright oh, I think I've heard of it yeah, ya, ya


tech savvy ya


ya ya


uh ya your ya ya yes


wait you mentioned something about the interest rate right wait so how, how much is it actually for us like if you didn't mention, two percent


twenty percent ya ya, okay so if it hasn't ya


so, alright so if no if you don't have that twenty k then like it's not two percent lah, or is there nothing at all, oh it's one percent


I I I type type ya, ya definitely I, right


and like okay so I'm going to share I'm going to share something okay totally totally I want to fly so, so right uh, there was a point of time where I attended this conference so in this conference I just met a bunch people then there was this dude who explain this concept this theory of


this okay basically the fountain of wealth so he can erupted of the name at the suntec city the circular okay never mind ya the circular thing , ya so basically what you told me right it's like uh if you invest in in banks or in savings accounts basically it's only it's actually rather just enough right to cover


, to cover you for the the growth of the economy so what what he actually means by that right is that okay every year there's going to be inflation definitely going to be inflation so, that inflation will be about to about three to five percent okay so three to five percent it it covers inflation and then there's taxes so that taxes is like about uh he gave a rough estimate about zero point five to zero point six


so if if you're just gonna go for like uh a random bank and you don't do your due diligence for yourself and like ya like you said zero point zero five percent so even though your money growth by zero point zero five percent right there's that there's still that inflation of two to three percent which it doesn't entirely


cover so for example if you want to invest into something right, invest in a bank okay let's say you have a savings account then it has your base uh interest rate, then on top of that you can you can actually have the option right to choose to invest into the bank itself so like for example if you log into your POSB uh the e-banking app right so you can actually click invest like you click the invest button


and then you can choose , the level of risk that you want to engage in for your, , for for that particular bank uh so there's low medium and high so, each risk each level of risk right will give you a different like percentage of


uh interests so for example the high risk right will give you uh six seven percent ya but but it means higher risk uh ya so it's higher risk of like you losing your stuff like your money if like for example you have a bad year right and then you just have no yield uh


you just have a loss for that year so this something that he explain to me lah this concept because like uh there are external factors that we don't actually , take into account for and there's so many other ways to finance your money because like banks are just one of them but it usually


is the safest but at the same time when you play played safe it just means that your your rewards don't that high so like in in the game of money in the world of money and stuff, oh my god I almost have the habit to curse okay so so right in in the world of money


like really high risk high reward you're like you got a you risky to get a biscuit you know so, ya so in that conference apart from just having conversations with random people there then I just drink some wine ya


so good ah ya, ya, okay ultimately right


I learnt from somebody uh she told me that in in a lot of your major decisions in life you have to make informed decisions so ya you got uh in anything if you know there's high risk and stuff at least like


for example if I want to jump off a cliff right like I really got to do my my own due diligence and see I if I can survive that cliff fall for any apparent reason right that I need to jump off from cliff, then like I I I need to be prepared I need to be prepared to do something to survive or something so it's about the exact same thing uh if I want if I want to make ten k drop out from the team and swish swish beach beach I gotta I gotta have


information lah information that uh helps me feel more secured helps me uh better understand like !hey! this is a good time to invest or this is a good time to like put or call, so for example like if I wanna sell this or if I want to buy this at this specific time you might not be at the best possible price because like the market is too volatile to predict


ya it's too it's too freaking world ya so you never know you know sometimes it's a game of chance sometimes it's like, okay you got a insider or you got you make sense of the


the dots in the news in the media so whatever they portray in different platforms for information that discloses, information with with regards to stocks or how the market actually works right then if it's meant to be it's meant to be bro you know so like headed


, ya partially partially love it ya ya, ya


yeah yeah, ya, on the fly ya


, , ya


ya, bro web web web web wealth assets prosperity


so okay so one million dollars !wow! okay so, okay I I wouldn't purchase anything first so okay so government bonds government bonds okay I just put ten K into government bonds okay so how


uh ya something like that ya actually so government bonds, SGX ya, X yeah SGX yeah okay so basically how it works right is, simple the the pancake you put inside and then you hold that money for like about ten years at least ten years so it's a long long time


so it's like it's a security for me right so when I grow old let's say I got no children no family no one no one's taking care of me right and I'm just like living it up in old folks home and like and like oh yeah this is late this is late this is my life I'm old


so uh when I'm old let's say that's like twenty years down the road or thirty years down the road let's say I put in ten k today, so each year each collective year I'll received like bi-annual payouts in in terms of interest so twice a year let's say the interest rate is like seven percent it's normally higher than what banks would give you lah so


seven ya seven percent interest rate let's say ten k seven percent get uh what what what what let's just pretend that seven percent is six hundred dollars okay so every year I will get one point two, one point two one point two one point two one point eh one point four one point four one point four and on top of that


by the end of the government bond right you you will receive back your ten k and and in those years also you can choose to like top up money or like ya basically the only thing you can do is top up money then, uh you cannot withdraw if you withdraw right then uh you only receive back


uh a partial amount of your initial ten k so for example after five years right then maybe I only get back half because like my commitment towards that bond was only half then I get back half then the other half goes to the government which is like kind a kind a dump mah


ya it's like you you get fined for any a and then you give government three hundred dollars, ya so ya ya ya definitely definitely uh okay so, in your okay how many how much money do I have like oh nine hundred and ninety thousand nine ninety I will just put uh okay maybe like five hundred I'll put it in like a bunch property overseas you know like malay malaysia indonesia uh philippines thailand myanmar vietnam


whatever lah ya oh turkey oh my god , so on top of that you can, ya uh maybe that will be my getaway home also or whatever uh then the rest of it I'll just like leave it to an external broker to handle my money


you know just give me advice like !hey! like you need money right okay I give you money then if you can make profit of that money you get a certain commission that kind of stuff, but ya a house in spain slashed turkey is pretty hip ya it's pretty doe ya definitely ya


yeah


ya, ya ya ya


, ya definitely, I mean okay talking about goal uh I I have this friend from RP okay his name is not


basically he he started buying, uh ya another know in that uh ah okay is okay , okay so basically this dude he started buying gold since he was in


uh sec three okay sec three so it it was his it was like his game plan with his mum like !hey! mom uh what's up what's up then uh watching Suria, and like !hey! do you want to buy gold then but his mom was like okay sure like let's let's do this lah I trust you so he he gave that a short by uh bought gold like collectively every single year


and then by the time it was twenty eighteen twenty nineteen, ya he actually came out on the news so on #berita harian# so came out on the news that he like this son and uh and this son and mother are invested in gold and look at when he turned out to be so he got enough gold right to pay for his uni


to pay for his education and that covers not only his tuition fees his school fees it covers like oh even like daily necessities like eh I need to drink I need to eat that kind of stuff so like, damn like


ya, ya


ya definitely, yes pop my clap (ppl) alright ya


negative experience , alright, oh my god describe a time I okay


, okay so I would say this year you know like to put put something fresh in this conversation just feel that ,


how to say, I'm so used, I'm so used to, handling things on my own, you know and there's really not a lot of things that I share with people lah even though I create the illusion in sometimes I get lost in the illusion so


there were a lot of feelings that I have that I had to overcome myself wrestle about myself and, things I had to figure out on my own lah because I just feel that in, in this context, people can give me the words they need to say


you know and they can impose their ideas they can help influence that ideas upon me, and, I just feel that in this journey this part where you have to figure things out on your own it's really meant for you to figured figured it out on your own lah and I feel like that's very applicable to a lot of the people in our group right now because like this isn't the part where


you give your two cents you know to them, you just have to be there and that's enough and if things happen it happens like, if they come to you then, they come to you so like I felt trapped


I felt very very helpless because, , I was in that right again I was start emotionally you know and like it's a different thing when when you say something


because you feel or you think that's the right way to think of you and it's a different thing when you say something and it genuinely minute with all your heart lah you know it's two completely very different feelings and like it was so confusing lah and


super frustrating because like I have all these, thoughts you know this word sweet words of nothingness you know like I couldn't understand I couldn't really connect my mind and my heart you know and it was it was even more frustrating because like


how, how are you how I wanna act and behave you know it's not like sometimes the circumstance doesn't give me that convenience to just let it all out or just behave the way I need to you know


especially with like school the pandemic affecting how ya just affecting everything ah and when I'm out with uh the people that, I generally get for sometimes I just can't help it you know like when I zone out when I


when I just need to dissociate when I just need this this that that that you know and like, things are not, things won't find at home uh you know things won't find at home and it was the more preferable choice for me to be out with people and instead of being home uh alone or even being out alone because I felt that that was too dangerous for me ah because


being alone I'm just on a completely different, plane you know so yeah it was stuff cause, it's something that


it's a it's a point of time where it's not because I, don't think people will understand but I don't expect also lah but, it was just stuff because you know that's my fear


that's like my PTSD you know ever since I was young ya you should know ya so like ya I mean, I think that goes the same for you to you know like you had your you had your fair share during though the pandemic the circuit breaker also


ya


ya, ya


ya, , ya


never consistent lah, I guess constant ya, I mean, I feel like, I feel like that's how to say okay sometimes when I just look look at your eyes sometimes lah like I catch


I catch moments where I catch moments where the things you say or the circumstance it just doesn't it just doesn't make sense with how your eyes look at that point of time, you get ya so like


I just feel that, I don't know this this part where we are, we are very hurt and damaged people right, ya ya


ya (ppc) ya, I think that's the most distinct trade ah, like just the way our eyes look, everything else is like can fake one can fake if you want to lah where like our eyes just give it away sometimes


ya gosh


ya okay example this morning, so so after after you went to sleep, if if you are actually went to sleep lah after that I went to do my clubs stuff editing and stuff


and then like uh how to say uh my FYP had to, arrange a few meetings interview questions and stuff and like really have that facilitation like point lah so like I don't throw face tak malu ah ya


ya so ya sorry so I don't throw my face and uh it was five-thirty and like I was like oh time flies by real quick you know and then my mom came out and then uh I was just about to


actually shower and stuff and she just asked me like !hey! you you gotta cook your date dinner you got to do the laundry you got to do this you got to do that, you know and I haven't slept so it when it extended all the way till seven-thirty and I slept at eight and then I'm here now but how to say these are the kind of small things uh you know that I do for my family and stuff even though like


I already have a bunch of commitments to other people to other things even when I was studying and stuff uh like these things that I do even when I'm like not at home like ninety percent of the time right, these are still things that I'm willing to do and like give my time and energy for even though like I'm I can't even I can't even like freaking functions you know and like


cause say that just makes me feel under appreciated uh especially with the fact that like how to say the way my mom and dad like undermines my my name and character in any family gathering so it's like, that feeling sucks you know but like all the more it's like it's okay I'm cool with it cause like I know when I'm living on my own or whatever like I know how to take care of my household and stuff it's just you or not there to see it


and and my bed is now the couch so like !wah! ya ya so it's like it's just it just became a normal thing lah because like, my room is just dominated by brother it's like whenever I clean up right it just gets destroyed and like it just gets messy again ultimately and then that he eats in the room


and then it just full of plates full of forks and spoons and I'm like uh I've had enough I'm not going to clean up after you you if you if you want to get yourself like this then okay so we don't include me, so like even when my living space in this house has been has turned into something so small


like I just have to roll with it uh, you know not at at at the rallies until like I can finally move out and live on my own so like , ya I'm even after having I'm just really taking up very little space there and I'm still getting this and that and this and that and I'm just tired and I'm norm and I just don't have any energy anymore so I'm just like scraped like let it go


ya so like, ya I know that, being under appreciated for the things you've sacrificed for is something comment for us you know


so like, I get and I see you, ya, ya


ya, I mean


when does your intern start , alright like, okay


how do you, how do you think your, wait okay that's retro intro intro back , alright so


negative experience just, just described a woman you felt, betrayed uh like, how do people normally betray you


alright okay so, oh so right now in school man I mean yeah kid like like I mean okay is okay okay like question


, what's the what's the crappiest fruit or vegetable ever that you have eaten


, okay I I think of uh fruit that I really really really dislike is the pear , , okay okay uh but basically the pear is just it's so confusing like I don't know if it's uh apple or watermelon or honey dew cause like it just tastes


just taste just like a little bit of everything and like it's consistency it just a little bit of everything and I just I just feel like, god created the pear it's like uh it's a troll ya


ya there are times up (ppl)


positive experience, ya okay


, okay hi elly, so I like to know okay, uh I like to know what what other things that made you smile recently


okay, medieval yes ya ya


it ya ya that,


ya, in recent times, I don't know man like okay


I think this is just part of growing up I feel like this is another phase for me, I feel like my life is in phases it's like a seven course meal so I've started from like the appetisers and now I'm like at the main cause like this is what I'm trying to figure out but I'm not figuring out anything like I just say I'm trying to figure out stuff but like stuff just comes to me and it gets figured out in its natural course


so like ya to like, I think that it's pretty it's pretty normal and like I look back on stuff that I've went through an experience stuff that like I feel it's special in my eyes something in your eyes


so , so right like I've been picking up a lot lah so like, while I really went through a lot I feel that I grew up too fast I feel like I'm a nine year old dude start in a thirty-five year old dude's body and I'll be like


dang that that's heavy and like how to say, that makes me smile lah like today I'm here, and that matters and was a little bit of sadness for now you know and how to say


I feel more, alive recently you know, there's no particular reason there's no catalyst there's no actual spark I don't know if there is an actual spark


just happened ah so I don't know looking at the things that I have right now the people that I cherish and I think that's enough to make my heart full, ya, blah


alright, oh right, alright I just love how


, I just love how this guy right, , eh that came from you not me , , eh eh oh alright alright, okay I just love how this guy I just feel that


he covers uh basically the entire spectrum, like, ya do it do it it's so it's so it's just perfect uh just like, , ya okay never mind okay don't get distracted ya so basically


you know even though he can't really like, have it in control, his mind is pretty wild and like, , ya he can cover basically the entire spectrum uh like he can be crazy at times can be them dang dang dumps straight up dumb you know it can be late it can be deep he can be


angry he can be set can be , giving you know he can be, very thoughtful ya, ya, it's just that spectrum I do it it's just like it can be it can be all that ya arrange basically I'm like freaking okay never mind never mind is okay is okay


ya I just love that part about him ya, how about you what do you love about yourself, , okay


ya, ya, ya ya


ya I mean, ya that's (ppc) excuse me so ya that's, that's like one of the most, admirable traits about you you know so like ya I mean we talked about this before like


ya like especially about the part where like right ya it's cool that you're independent it's good that you are strong and stuff but it doesn't take away the fact that it's okay to receive help you know I feel like that something the both of us


ya relax relax practising that you know we yeah we don't practise that and I think I think it'll be don't if you can but it's like, I don't know it's just I don't know how to phrase this my words right now but you get what you mean


surround sound eh sorry sorry continue


I mean definitely uh I had one heck of a ride, five years man and like it's just uh, it's just a disappointment it's a pity that like probably our graduation right and my graduation I won't be able to


stand in, in that centre of the convention centre lah like that the entire area because I had a vision I had a visualisation like, ya this is how you gonna go down this is how I'm gonna like get myself of this poly like !hey! I'm the council president I'm the vice president and !hey! I used to be in VTI used to be MMA me I used to be in this and that and I'll be like


ya I've I've committed myself like when there's something I like about myself too lah like when I commit to something or when like I'm devoted to something right it's just I give I give more than I should uh


and like ya I just picture that I could have had that like one moment of glory it's just like !hey! I've done my time and like I hope you're you're get to experience the same privilege I did, Ciao


SPOA you know so like, ya those how I picture it lah cause like, I I've certainly met, the best people from, this institution lah the people that I


were really really truly cherish the people that I won't forget, you know ya, !fuh! is only dude it's twelve forty seven right I'm not ready for this feeling , ya


!wow!, !wow! alright okay that seventeenth storey


it's, ya ya definitely I wouldn't want uh ya so that's seventeen storey it wasn't, it's huge sacrifices definitely but it wasn't really worth, everything you know like the


the ones that I fear that are worth sacrificing uh the ones that are currently in the present time lah you know, for the current people that we are mutually friends with you know and for me my other group of friends that I'm close to so like my time my energy and like


more so to myself uh like it's okay to have that one or two crappy days and like I'll be I'll just be at home I'll be wrapped in my comforter or something eating ice cream uh I never bath never brush my teeth


it was what I'll just be like that smelly piece of animals ya ya so, ya because I let myself go sometimes and like those sacrifices like everything uh like I just don't show up to work I just don't shop in any gatherings ya those those are worth everything


to me ya literally so ya, what about the letter you you you you you you and you


ya, , ya we got five minutes


ya, , okay I feel that the best meal is, it's the one with really great food


and really great company so there was one of time when I was as when I was seventeen lah basically uh my friend ralph actually ya ralph brought me to this italian restaurant so the italian restaurants serve the


a four a four course menu, so at the start that appetiser it was just like random ass, random right this random potato fried potato chip, and flower uh and then after that uh came about uh they serve this banana looking


thing that wasn't a banana so it was like, it wasn't a mashed inside I think was patties or something and then the main course the main course was the wagyu beef ya ya so so do it like that


that right it's it's almost criminal like like everything every rumour you've heard about that beef right it's all true like dude that that thing right just melts in your mouth and like, the flavour is so rich


the flavour is so so very rich right like one whole cup of water that they served me right like it wasn't enough to like really cleanse my palate so like I really had to take my time and savour that and like with the company I was with and like the things we talked about things we joked about things like we shared


ya dude is lit !wow! it's just literally like !wah! ya oh my god oh my god ya, and then we ended off uh with this mint ice cream thing, ya so like off just like like oh oh MF ya ya what about you


, , ya, ya alright


okay like (ppc) okay so just list, list three things about most grateful right now


this out of the bed thought of the head spitball ya spitball spitball let's go, yeah ya


alright, okay my current, , my current emotional breakthrough , my my plans for the holidays and for the academic year or my positions and stuff I'm grateful I'm so grateful for that and


my opportunity to go to uni so ya so ya so there's nothing much to say about that so like you already know, and, ya I think the answer is becoming ever more clear about whether to to go to that uni


so let's see how it goes yeah overseas overseas ya so, I mean got that opportunity just take it uh and like I'm not I'm not getting any younger so like I'm not gonna waste more time ya dude like


ya dude, but there's so much to consider by the way ya uh


I think both is like equally bad uh I think it's worst overseas you know , ya but ya in time, in time you'll be cleared I trust trust in due diligence


ya , do it like ya, it was so full like


it was the best day to actually go out with me honestly like like when when I put myself in another person's perspective uh because like, I'm in a different I'm just in a different head space you know ya and like the conversation we have towards the end was lah generally mean it uh ya


(ppl), ya


finance, alright


oh ya sure I mean I can ask you a question alright, alright so uh let me just ask you a question related to finance yeah so what do you have any investment strategy and if yes what is it


(mmhmm) (mmhmm), I see


, I see ya


this interesting, ya okay , (mmhmm)


training, oh trading I heard training oh uh okay now I'll try my best to answer your question ha uh


whereas go okay so, I have I'm very ambitious okay I am very super ambitious so my investment plans right before I go to the very big huge stuff on investments I would take baby steps in order to achieve my goals right


so in order for me to invest something long term in the future I would start on my savings account right so interestingly a couple days back I actually jump start this account this savings account called, literally called jump start account by standard chartered yeah so


ya it's Standard Chartered, ya it's quite it's quite popular lah ya among the students because it's specially created for young adults aged eighteen to twenty-six years old lah I believe and ya it I it it gives


till a lot of benefits like for example there's one percent per annum on the, deposit so which balances up to twenty thousand dollars and there's no fees and no minimum deposit balance required and also right there's uh one percent per annum cash back on eligible debt


uh debit card spent ya so it's like, before I actually choose because I need to make an informed decision correct right before you do something very serious you need to make informed decision so I compare like through every other bank like CIMB like OCBC three six zero account of stuff


so I made I listed out a few criteria and for me to checklist my savings account and for the first one it must be student user friendly because we are very technologies plague technological like we are very tech savvy right, ya tech savvy so is like I'm a broke student as well you know so I need to avoid any fees that I have to pay beforehand you know to jump start my account so definitely like to my knowledge there's usually like interest rates right


for more savings account right, so of all the savings account that I researched on the highest interest rate that I could derive is from Standard Chartered so you know what that's the best part, then is like there's a low initial deposit which is is free second there's no minimum uh average daily balance and then third there's no fault


below fees so if your bank levies is it levies correct me if I'm wrong is it levies bank bank if your bank levies actually fall below fees right you don't there's there's no such thing as that for Standard Chartered and last but not least like there's no need for bill payments or salary crediting


so then it's like oh my god that's wonderful, so I just started that account and you know what I'm actually you know felt I I actually feel very content looking at my bank account savings because you know I have something like some a little bit of foundation over there to jump start then kick start my investment plan so ya


ya that's all now do you have any other questions to ask me, ya


oh is it, actually ah it's two two per cent up to twenty percent at twenty per cent twenty thousand took two percent interest rate per annum when your bank savings reach twenty thousand dollars


yeah I mean it's a yeah it's a stretch lah it's a stretch, but, and uh one percent actually or something like that yes yeah yeah something like that so there but it's like if you were to compare right they can go as low as zero point zero five you know for other banks


even if you reach ten thousand or like twenty thousand so oh my god that's quite a stretch also and we are broke students as well so ya, alright sure go


(mmhmm), alright, oh ah


ya ya I know , I know I know ya ya , (mmhmm) (mmhmm)


of course


higher ha ya higher ya ya ya ya definitely


(mmhmm), (mmhmm)


ya, ya, oh my god


ya


alright nice information eh by the way talking about risk right are you a high risk taker or you are like a risk adverse risk averse investor something like that are you a low risk of high risk


alright


(mmhmm), ya, this is very volatile ya, uncertain ya


(mmhmm), ya, alright so you you kind of leaving it to fate somehow am I'm wrong correct me if I'm wrong


it is mixed of both works lah right is makes mixed of both works lah well for me I mean I'm a low risk taker uh definitely so like for example question okay is is an opinion uh but like if you have a sudden windfall of like one million dollars you like invest my money definitely


but since I'm a low risk taker I mean there's a contrast with us between us definitely lah like you kind of like go with the flow at the same time kind of make informed decisions but for me I need to make informed decision like every, every time you know like I cannot I cannot just because it's my money you know ya it's my money and I have a lot of stuff to do with my money I have a lot of plans to okay so I cannot just like throw it and just like oh my god high risk high rewards no it doesn't work that way with me you know


so it's like you know when you educate your asset right for like investment there's like three assets which is like equity uh your fixed-income any on your cash and equivalents you know that kind of stuff, so then I would like to ask you lah like how would you if you have like one million dollars right and you would to invest right how would you like distribute your assets


ya, okay the first thing you would purchase with that money what would it be


alright, which is the audit auction something like that is it, uh SGS lah


AIG okay okay ya ya


(mmhmm), uh definitely, okay


(mmhmm)


you cannot withdraw right, oh


ya, , defeat the purpose lah you defeat the purpose you know, ya, it ah, ya oh I, you know that you well you should know that very well uh lufy yes uh


same, turkey turkey spain turkey and spain I'm looking for houses there


, yes definitely I mean I would spend uh my investment on properties maybe build up a little capital set aside capital for my own firm or my own organisation because I want to pursue law right


so if I have my own firm I mean I may not be you know directly the lawyer over there but I'll manage the account's assets I don't know you know some I think about, what it call that corporate law that kind of stuff so


I will definitely invest on so many things education P H D master's degree properties , ya organisation firms and maybe partner up with some shareholders stakeholders you know that kind of stuff, so at least my capital my equity right my large and my small capital will be put into good use and then maybe the least priority will be on my cash asset lah so my cash assets will like


I don't know , spend it on earn money market so time in the market you know that kind of stuff maybe gold I can invest on that so ya that's my plan bros I


I have so many things to do with my money I want to make it grow you know definitely, yeah , I see, ya, ya, okay


no names mentioned uh no names mentioned please, , ya


alright ya


ya gold gold is actually a very good investment like on this at a glance at his multi-asset website right it's says that I don't know that gold maybe keen in downside protection for example uh when the economy just just have a downfall gold is a good investment for you to


put in so ya so wrapping it up investment is good guys right ya (ppl), ya alright we done


negative experience, describe a time when you felt trapped will have less you will feel come on


no humour no humour please


(mmhmm) ya


(mmhmm) ya, uh


(mmhmm)


ya, that means for me, even before the pandemic I mean it's just the peak moment was at the peak moment of this year is the circuit breaker moment lah but


I've been feeling that negative energy within me, the past couple of years and I told I told this to you before told you this before I told that I can't remember the last time I felt happier I was never happy


and, it really is puzzling to just figure out your emotions and your thoughts and just trying to connect everything but , they just dissociate and it shows, it really shows especially when you in a context of social gatherings or when you're with your friends and you don't want to burden your negative energy you should know these by a million times


like I don't want to burden other people with my energy because I don't want to rob them in when I'm feeling down I don't want to bring people down when I am down, but it's just that I need the presence of people but at the same time I just can't function like I'm totally dysfunctional like I cannot talk to you or whatever I say will come out as nothingness will come out it doesn't reflect what I feel so it's just it's just a bundle of


I don't know you know is a big bundle of question mark whenever I go around, and uh every time man every time, I just fall back into square one, I thought I was getting better I mean it would for me personally I think that you would never recover from it but you learn how to cope with it you learn how to accept that okay it's true that you have this this this so then what do you do next you know that kind of stuff but when I was like


you know okay I get it I get it I totally get it that life is like a wheel you know it's a cycle cycle like a cycle up sometimes your up sometimes you down but when I'm just at my peak right I can't even I can't even fully appreciate and value that I'm at the peak already because you know why


because the next thing that I know I predict is I'm gonna fall down like ten times if I reach if I bounced ten times higher I'm going to bunched I'm going to fall back twenty times lower so it just your thoughts I, I mean you are your own biggest enemy you know I'm I'm own biggest enemy like you thinking hurt my feelings


hell no way you know I mean I'm a set of contradiction I, I do what I don't feel I say what I don't think you get what you mean and uh


I just you know lufy this question I just cannot remember I remember the last time I felt happy, I mean me smiling at me this and that you should have the better, is just at the it's just at the moment you know at the spend at the nick of time or at the spend of the moment it but it's never prolonged it's never


it's never long term is never, and sticks forever if you know it doesn't work that way ya definitely, uh !huh! constant ya


of course


very all of us every single one of us not even one like oh I'm I'm good you know like I'm doing well no no no birds of a feather flock together (mmhmm)


ya, never lies something your eyes, ya I mean then let me just let me just ask you I mean this is quite hurtful lah but what sacrifices this have you made for your loved ones but were not appreciated for it


ya english english, ya


(mmhmm), ya


ya true


ya definitely, ya


oh no what happen


ya, (mmhmm)


mean the same goes for me too uh I mean, if you want to believe it on them was would you can't because we're living in an asian society very very traditional very backward thinking and then when you try to you know bring up the matter bring forth the matter and say like !hey! this is not right and it's unfair for my part I mean blah blah blah


you will definitely get wrong for it and they will never accept your criticism like that constructive criticism they won't they won't ever accept that but you know what you gotta do what you gotta do and


just, at least you know how what to do and how to do it you know so that when you just off alone and Independence especially now you're going to overseas, you going overseas right ya he'll have some things to look back


on ya, , do you have any questions to ask been you feel


negative experience look fierce negative, you got five more minutes


, well because it is not usually because of friends it's usually because of your would it be your own bloodline if you own family members you see so I mean


I don't want to name him definitely but you know asian conservative setting sometimes what you do you know they will talk back behind you, without you knowing and you somehow hear about it through certain certain people and be like oh you know why you never do this eh already say that you know you are


not helping with the family you have been studying but you know you never do this never do, and then there comes another one where this is from my own personal experience uh, you know it's very hard for me to open up to people


so when I open up to you it means I trust to space I trust to you and I do not appreciate you, talking about my own personal matter to other people even it be it if even it can I don't know includes your own family member


you know I do not appreciate that so when I open up while my own personal issues like for example depression or what or whatsoever, and I trusted you and then the next thing I know I found out from my sister oh okay like what's up you know


like stop trying to push yourself stop trying to coop yourself up and bro by right talk to me but she said it in a such a very unsafe manner like I don't trust his based at all and then like I would ask like how how do you know this, and like I found out from A I found out from B and then be like I trusted you say and it's not something that it should be discussed with other people


and then when you talk about something so vulnerable something so embarrassing something so so raw about me right it's just I felt so betrayed uh because


I mean maybe to you it doesn't mean anything but to me it means a lot lah because, it means a lot I was definitely in such a very vulnerable state I was in a very complex my state of mind is definitely not good my mental health is definitely not good so where you do those kind of thing right it deteriorates my mental health further


and I don't know how to put this into words definitely I could not paint your picture I could not make you visualise but , it's more than that lah look feel it's not something that uh !huh!, I I trust you but then you tell other people oh my god please don't know is definitely more than that because it really to ketuk on me


and, and it hurts me uh to see your own family member do it, ya should that's that, talking about that ya ya sorry what what what you go first


no you go first


oh my god uh, I don't know I don't know what about you I can't think right now uh I time pressure time pressure


oh oh my god please no humour please no humour,


(ppl), (ppb) [oh]


positive experience, okay lufy want start first I I I ya ya hi


oh my god recently uh so as recent as you can be is was just now uh as I was going to work for a while I was sitting in the bus


and I saw the most beautiful I don't know set of clouds ya this this it's so, oh my god it's like painting you know is like you are watching you are observing of uh you know those how do you pronounce it medieval is it medieval paintings kind of stuff right ya so the clouds are like perfectly formed you know


and it so divine like so god looking like that I just I thought I was watching lucifer you know I thought I was in the middle of lucifer world so I was there was the most beautiful thing that I ever witness today and


it was the thing that makes me smile lah cause it reminds me when I was in the clouds you know taking an air plane and given the COVID situation I mean we pretty much stuck in this the country we can't can't travel what, so that sort of give me like a little freedom you know from lah uh a little escape a little escape from reality if that makes sense so ya what about you you feel


alright


oh


something in your eyes


has good


(mmhmm), so let me just, so you it's quite a simple question but it's quite deep you know also to speak now what do you love most about yourself look feel


egoistic guy , uh shut eh to focus on the point focus on the point


specially with your favourite word lah


okay continue okay , (mmhmm)


, come on lufy one why do you love most oh so it's like the spectrum lah


hey is is the range the range right ya , yeah, I see


, it's similar but you know same same but different you get what I mean I am, I am oh she's is this elly girl she's super versatile I mean uh she just have one goal you know that one goal which is just to pursue law but her journey is never linear bro is


I never would have thought oh she she never would she never would've guess that she would pursue the arts okay she wanted to go to JC but no polytechnic, but what course noise is not TP Temasek poly law but is what theatre applied drama psychology look at her CCA still theatre and then the


two things that she is most fearful about is teaching and another one is , kids right these are the two things that brings her you know frustration, but no her intern you know her upcoming intern she's going to do she's gonna become an assistant drama teacher is for kids is that that that both to


obstacles that she has to go through but you know whatever it is at the end ah at the very end , she would definitely make it she will definitely pull through because whatever it is I've seen her struggled so much but she's still picks herself back up by herself without no like nobody support at all she's so independent and she just


she's versatile like that lah she's jack of all trades but master of none so, so I love that for her good for her uh I'm proud of her yeah, , ya


you talk about this like the end time


have to learn uh have to accept, ya


ya I get what you mean and especially with the people that we surround ourselves with they you know when you spend like a lot of your time with this particular group of people you actually become them


and fortunately and actually I am very very privileged lah to have surround to has to has such I don't know special, sense around some those those is special friends lah and you are in the group as well so I'm thankful for you I mean poly so far has been nothing but


eventful lah is super eventful and I think up to this point I still have to learn to accept and let go that these tertiary phase will go like it'll be over soon


because I have made I've made a lot of memories uh and I stepped beyond my comfort zone throughout this whole almost three years and I can vouch decent for you am I right correct me if I'm wrong, uh yeah


(mmhmm)


definitely definitely, , yeah really too early for this no , final question uh okay


describe okay sorry what are the sacrifices you made that worth everything something about being seventeen


okay let's just just keep it short like summarise


okay then tell me what are the ones that are worth sacrificing, (mmhmm)


(mmhmm), (mmhmm)


(mmhmm), okay ya ya


yeah, (mmhmm), me uh sacrifice that I made is actually it's quite a petty lah but I have


distance distance myself from people from, from wherever they are la like I don't care uh be my cousins be my relatives my friends my best friends I don't know even my parents


because I needed to find myself I needed to feel grounded and I needed to find that regain that sanity back you know because circuit breaker has been very tough for me definitely and tough on everyone else lah but


I wasn't coping well at that point but you know sacrificing that that loss of connection with people was definitely worth it because, I somehow, gain some sense of solidarity some sense of clarity with myself like I found peace with myself and I sort of gain some sense of I don't know higher self-esteem because I've been beating myself up for the past couple of years


and it's just that lost of connection I don't care about what anyone thinks of me and I'm happy I'm happy that I was invisible, because nobody knows about my whereabouts they don't know what I'm doing my updates so it feels good, to be invisible for a moment and that sacrifice was worth everything because I achieve a higher sense of self like a higher sense of self actualisation you know mallow's hierarchy of needs I like the top tier


I like the top tier so it's like something worth noting uh yup, ya okay we have five more minutes , let's talk about something like ya what's the best meal you ever had


oh my favourite medium rare,


oh !wow!, , chef's kiss , !hey! literally is literally chefs kiss


!hey! !hey!


I I, I have nothing to say about that so let's just skip it ya to a next question because I have so many I've had so many good meals like chef's kiss it's a lot of times but I just I cannot I cannot recall


any moment of highlights so ya I don't know ask me another thing we have like two minutes twenty-five seconds


off the back top of the head uh ah financial stand is full of uh stability stability confidence, and friends ya what about you


uh


overseas right is it overseas or local overseas uh overseas , , , definitely please don't waste your time okay if you had the opportunity to go overseas please for the love of god lufy just take it take it and go


of course but would you rather fail overseas or fail locally, no I mean ya is worse overseas but okay higher high risk high reward so what's you say what's you say bro


ya, definitely, oh ya how was your day yesterday it was great right I saw you went with an outing with them at the beach


(mmhmm), true, okay let's go


okay


for for me it's totally opposite I think my savings, went up cause due to I don't have to spend money for food or lunch and then like go out and have fun cause we cannot do any of these luxuries that we're everyday do in our daily life so I tend to just eat whatever my mum cook and


save up as much as I can and then I'm as you know I was working in a fast food restaurant as a part time cook so yeah I ended up having a lot of extra cash during the circuit breaker period I spent only basic uh, usually I spend very low this timing on the circuit breaker period


I also feel tempted to buy a lot of things from online and stuff but I didn't buy cause uh, I don't know whether it's scam or not I don't usually do like online shopping I always go to the shop to get things see whether if the thing works perfectly and then I buy the thing yeah


cause I don't want to get scammed easily and uh, you have to put your trust and then you must still wait for the shipping and must pay for the extra shipping yeah, you can go and find something similar at any stores that you want


that's what I did for me cause I don't believe online shopping that much, and I also had to save in that month in the way


spending was one way but then, like if you were to buy electronical stuff, and, already you are spending a lot like you order food from online then you still want to buy things whether whether you can do something like you can do another scrapbook or something imagine if you were to buy like a


electronic stuff, and you don't get warranty yeah and not guaranteed product that you paid yeah and you eventually just wasted, the money that, you spend or maybe it looks so good online but then you spend like oh let's say it's more expensive because it was a


uh period where everybody cannot go out and then people are tend to do more online shopping yeah so people might increase the price cause this is what everybody's looking forward


uh go ahead and tell more about like your saving plan and what what is your plan really like


but do do you have any like cards that you use like credit card debit card, for, your bank account and which bank are you using, but the


your financial saving plan, , do you did your research like you went online to see what other bank offers that only POSB


yeah I heard like credit card can give you extra, uh percentage of, like you know there's interest and then there's this, uh plan in OCBC three sixty, where they give you like certain interest on your spending and stuff so you actually get and then now there's like cashback offers


from debit card and credit card


now you are doing like poly and, uh, also having like saving as a issue


but what if uh let's say now you're doing poly, and then you want to work right to get more money how do you manage uh between working and then you don't eat up your money in terms like you go school everyday so you don't always spend it also


yeah so , since uh we were talking about the circuit breaker period now let's, go like to daily life now or usually goes to school get your temperature scanned and then you go to school then you still have money right I'm pretty sure you still have some


money, so how do you really use it on a daily basis and how do you know that you are not overspending or underspend, or saving up enough just for the future


I would suggest you cook your own food and then bring to school so you can save your pocket money also, and then what else, or do you have like any investment plan cause you are now like what nineteen going to hit twenty soon do you have like any insurance that you are interested to


uh my my dad got me a insurance yeah so I don't really know what insurance plan they got for me so basically he pays monthly for the insurance plan I think if I'm not wrong it's a child insurance


then I also have my own CPF leh I'm working so I do have like twenty percent or a few percentage that goes into my CPF account, so in terms of buying house what kind of future I don't have to worry much about


spending uh uh, uh I still have my saving account of my CPF and I still have one saving account, and in OCBC and, I used my spending account for POSB and I also like monthly write down in how much do I spend and I just take a rough note how much do I spend today do I overspend or underspend yeah so I know how my


money is being, work lah so that I don't overspend and I have enough money for my future


don't you think like you are too, uh young to talk about your retirement cause now like retirement age has increase you can work up to like what sixty five years old


good for you lah cause I haven't thought about my retirement age start usually I have saving, and CPF so I think that's good enough for me, , if you are I mean we are if you were going out as a family then like you see your mum and your dad spending uh certain things or like getting you food or instead like groceries and stuff


if you think that uh it's good for, uh, how do you like see whether your mum has any strategies that will help you as a young lady when you grow up that you take any financial advice from your mum or dad


as you are seeing them spending for the family, okay so basically my question is like when you see your parents spending money and stuff, and


ya like how do you like, going to, take any uh financial advice from


I usually don't take any financial advice from my parents like my mum or dad, I usually search online uh then like there's so many books and then online youtube I guess is the main form of say how to not take a financial advice from one of the big big people that are lenders apply on my daily life ah


uh experience you don't trust online sources for financial planning but rather trust people who are more experienced in, okay uh I feel that uh youtube has more sources so like


that is like so many plans and things of how you can save what you can do your money and stuff which allows you to choose what type of person you are and how do you really think yourself as, what kind of person you are gonna be the future and then how you gonna literally take care of your money if you were to go to an experienced adult who they will just tell roughly about yourself about themselves or their experience on how but you don't know how uh


how does hers, is it like mine and her financial planning is going to be the same or is it going to be different or whether I can learn from her or something there's definitely something that I can learn from the person but will it apply into my financial planning


even bank nowadays like uh have online sources I am using this POSB online at ya now you can search everything online regarding your, DBS or OCBC so like okay you were saying you only trust POSB why don't you go and see what does uh HSBC offers for you and then what does OCBC offers for you you don't you don't you just listen from your mum your mum say this is good then you think that is good yeah but


for me I think that okay I I see what is the potential in each banking and stuff so uh I know this youtuber who talks about finance his name is dan Lok I watched a lot of his videos he has helped, me a lot like now I've a lot of savings uh


and then I don't have to worry when emergency or anything comes, uh I still have the money that's the thing that I feel that's most important it's not about getting some uh body to talk to you who's experienced better the age of sixty or seventy or a bank staff who can help you you go to a bank of POSB they'll tell you good things about


POSB then when you go to a OCBC bank they'll tell you good things about OCBCs basically being bias to which company you're working for ah yeah so, that


that is personal uh personal reference like you feel that POSB, is good for you I feel like uh this is when uh you see online sources and see what each bank offers and choose the one that you think which is good for yourself and take advice from people who has been


who has been through the situation and has covered the situation before yeah and who has people who have done survey and thinks that okay this is what this bank offers what this is what that bank offers so you can choose the potential one and apply which is good for you cause


now I have a saving account I got a spending account yeah and then you think in another hand you think that uh POSB is good yeah, just because mum say and stuff sure no problem


negative experience (uh huh), since I start the previous session why don't you start


my saddest movie was the where this retarded's father was bringing up this daughter of his the daughter was perfectly fine but the mother has passed away due to like, the mother has some uh giving birth uh problems and stuff yeah so she couldn't either like uh when the surgery was going on I think something happens and stuff so she couldn't really give


birth or either one of the life must be saved so she give birth and she passed away then this retarded father uh raised up, uh his kid but he raised up in a very normal way he learned from other people and stuff but then a lot of people always doubted him that whether he can bring his daughter up or is he medically fit but he actually did a very good job in terms of bringing up the child uh but


in the five uh in the when the child hits five the, the, the wife's the husband's the retarded husband's wife's uh father uh father in law uh his father in law wanted to take the baby from him because he didn't know that her


daughter passed away ya so he took away the child and then file a, court case against the retarded dad so the retarded dad really struggled and they always have a bond unlike, us like normal human beings yeah so he always had a difficult time to bring up the kid and then the the the kid always uh ask okay uh when is my dad going to come back cause they literally snatched the girl the daughter from the father yeah so the father had a lot of


bad experience and pain because he wasn't normal like us ya so when people pity him there was a lawyer that pity him and fight through for the case


for the daughter to have a very good uh future in the, in her future lah yeah so that's very sad I almost like uh shed a tear


actually we can't really say anything about how other maybe we can stand up in like help others but then I don't think we can really do anything cause we don't have the authorities and stuff, but what is you can see that there is a lot of crisis in the world like we have this global pandemic sudden recently have coronavirus


men, there was uh this joy, uh yeah that would be uh yeah


so like uh there's so many things going on crisis what, I think it's the construction


to me ah I I try to find a better place


ya I cannot guarantee I close the window


global pandemic how does it affect, you right


oh


don't you feel like, I mean everybody plays their part to do what they can ah and then some people have better knowledge


you feel like this triggers you a lot lah


basically I cannot do anything about like a global problems lah maybe, , I mean I can do my part to, yeah help, the plastic bag part and the straws, ya, I will take more note about it ah because yeah because


okay, ya unless, it's like cassandra


kitchen, oh can I just like sit near cassandra, ya cause she's in, oh ya the recording right


I don't know morning they didn't like just now I didn't hear any noise then suddenly I hear like , I moved to, simply full and then now the only place is kitchen


I mean is it now better cause


okay uh I've also I've also lost my grandmother ya but I don't really have uh affect I didn't really affect from that experience cause I was very young compared to my eldest sister ya


uh okay uh is there any like other like times that, really made you very very sad like uh your friend cheated on you or your person that you are really trusted the most like left you


oh like really cheated and then did destroy like your something a part of your life so that you cannot like function very well the entire day or like somebody has just made your day bad


I see I see I've also a very bad experience with my friends uh back in like secondary school where I had like uh two of my best friends they both like, we were all separated I was separated from my best friend from another classroom another car so we really had a


uh we really had uh difficulty communicating cause uh my friend uh is in a different class now and we don't really uh helping one another but we always meet up only just to study and we couldn't communicate and stuff which was really sad cause I


always had like this guy who's always my best friend and then he separated class and then suddenly out of nowhere I'm new to this class in a new environment yeah then I feel like I have lost a lot of uh quite a lot and I just, because he's a good friend of mine and I share like a lot of things ya but then uh the only way we communicate then like uh was through exams and like tough time we usually just to meet up during recess uh like breaks after school I will head to the gym and stuff that's the only way we communicate but that was a very


bad uh experience for me ah cause I literally don't have anyone to talk to and stuff ya for a first few weeks


I see I see that I understand cause I've also felt that way before ya, okay, do you always like feel that sometimes you will never meet up to people's expectations that makes you worried about yourself makes you look down on yourself ya


uh thinking that you are not good for the other party cause ya, they always have this expectation of you and you haven't met that expectation but you think you're doing a good job but then uh you everytime get scolded for not meeting their expectation and always, uh feeling down and broken and cannot


I have been personally cause my mom always wants me to like do the household chores and also be a good student, and also take care of the siblings and, very independently like my household chores like in terms of cooking and doing everything on my own not depending on her so she has a very high expectation on me then usually I just don't do much because I'm always committed to school and work but then sometimes I don't even end up doing anything she would then


uh my mom will be very upset cause, I didn't really meet the expectation then she would just nag uh to me like about ten minutes to twenty minutes about, uh how what what you're doing is not right and stuff then I always feel like okay I'm a lousy


son I'm a lousy person I cannot make such simple, uh activities like simple task that she give then sometime I would even like blame and then we were get into an argument sometimes it might lead to like go out leaving the house like going to the east coast and then I always the next day I will find my friend then my friend wouldn't be busy so I'll end up


uh leaving the house there was one time that uh my sibling uh actually, uh triggered me a lot cause I was already broken and sad then she came around disturbing me which led me to throw my phone and my laptop down ya then I almost felt like I really needed to seek help and stuff


ya but then uh I would wanted to like have this suicidal thought yeah but then I have seek help from my counsellor and now I'm doing better lah, uh yeah, I had this bad vibe,


thought about I always have this negativity about the way I cannot meet my mum's expectation and my siblings expectation