maybe three to four years when when like travelling is uh back, regular travelling is from that probably that would be my, kind of like travel money but at the same time, by that time I will probably be working full time so I will look into like


really diving into the bigger lah, the thing at like uh you know that kind of stocks like like zoom Tesla that kind, you know slightly volatile but like uh it can really shoot up high the bank, the bank so I


so I ya I guess I mean for my for me I I I tend to like, be slightly of a risk taker, like uh I mean you know that Tesla keeps going up and down like based on elon musk tweet right


and ya so and then that's kind of like uh, not a gamble but that's a kind of like, uh fund I would like to have lah when I'm uh investing in the future when my budget is uh a lot higher how about you like ah what's kind of risk


or or you or you the type that don't take risk or and just like play safe


okay ya so uh have you heard of the time, time the market or time, in the market that concept like I mean which side ya which side you own


uh if I'm not a long time in the market basically means like when that day when you get your when you, like start investing or you, get that trade right you're not really getting you're not really focus on like, uh the high and lows of that day you kind of just buy it for like


that this uh average and like, you you watch it grow so you are more like , patient in a sense that that it doesn't matter how much you bought on that day, it's the long term kind of but is time the market is kind of like is it really like


you are looking at the time of day itself like, how the market grow and uh for that day and like really invest right


five five hundred ya five two six ya


uh you you said that they said eh this pass I guess, few weeks has been like all the red right, but this week eh this week like it's been quite alike like really cool week eh for at least for me lah was it as good as for you also no


for Apple I four one zero, but Apple is still bad what, ah why


her uh Iphone will be yes of uh Iphone will be released in october


true true, like okay like honestly like kind of what stocks are you uh really invested in or like the kind of like portfolio you're, , putting your money in lah obviously


yes but for a course right it I mean, he did really well last night our that pass few days lah he was doing really do well, oh yes


how about like E commerce E commerce you know you know like do you look in like E commerce, , ya I will I I I I invested in C group there has to be there has been like rising quite significantly


yeah will recommended it ah C group it's uh Shopee, uh kind of uh carina is also part of it, and they both fund each other very fit in china so, you know it it will keep like steadily increasing


probably like forever , no lah in the next in the next five years they will definitely like uh keep growing, and I think uh for me personally I I feel very proud to be investing that and it's actually it's good a lot of money so okay


how how much money is I I bought it I mean it's not a lot a lot but okay I bought at one forty right now is around one five, something one five something one five something okay ya, easy I I should look into because anyway there's a ten ten sales coming out also like you know probably it will


dip and rise up again, like in nine nine sales ya


right okay


yeah


I see so do you like know about the snow IPO, do do you see it do you read through ya sounds like


two seventeen ya, but I think if you ya two twenty, ya


but I see if ya, you can't buy at one twenty also like when it when it released at one twenty I you better not selling to us, for you to like you know the big players and stuff it's quite annoying


yes, will you going into snorkeling I won't, !aiya! I got no face to, I don't know


we have to see lah is really uh that that will that will really be a like a, a long term kind of game partnering two years, yes, profit not another market market crash lah


even if it's in it's a new lease, I mean if I have more budget ya like for the uh Apple, that dip


I I mean if I had more budget I would definitely buy a lot more, stocks in uh apple lah, but I mean circumstances just don't let me buy more of stocks at the moment, circumstances have not like been so kind to let me buy uh more stocks I mean like my pay still hasn't come in lah I mean it's a bit depressing there but it's find


okay it's life, okay


okay, if you have a sudden windfall of one million dollars will you invest your money how will you allocate your asset for investment all these scratches if you have that one million dollars what would you do with that one million


but how I mean it's tricky ya


one million to invest in in stocks is, , I mean it's not a lot of money but it is a substantial amount of more right


!wow!, normally is


ya honestly yes ya, uh I guess if you were to really, I mean in an ideal situation if you had one million dollars and you could invest it you definitely hope for another market crash then you put in that one million dollars


start another pandemic, uh ya alright ya I think it's very it's a quite a difficult


answer to give like especially now when I guess everything is like kind of overvalued, so us paying in a small leaks, is already seeing like kind of, the small side effects, think one million dollars appear a very tricky


amount to put in probably hold it off for a moment, until we can see something more concrete lah another market that's for me at least


a a portion of it okay maybe like, a portion of that one million dollars, for now it will probably go into I'll definitely put my money into Apple because it still low, honestly and, honestly crowd crowd strike is


still quite under value like, is still rising up so I think it's a good time to, throw money in for me personally I feel zoom, hopefully is like dying because , honestly it's not really a good uh application


like I personally have a lot of problem in zoom I've no idea why their, stock is so high, usually quite painful to use, maybe I I actually I will I will go in to test lah because why not I have a million dollars to burn not to burn I mean to play around with


how I would definitely play with Tesla, I will buy a Tesla too , ya, ya that that's true I mean in buying the car is the investing ah is an investment too


buy, oh, day announcement is it ah ya


ya oh I'm, quite alright they reduce the and they can reduce their prices and the heat uh, quietly dispersion ah something like that, but that's in what two years time right,


ya, ya , just just talk just drop after that ,


yes yes definitely, cool


part three negative experience


!wah! skype time you felt oh eh okay now I got a perfect perfect one for this, no no no ah okay so , for school right I am currently doing this project which revolves around


market because it's an open race so it's my, ah personal project my own personal brief lah so, what I'm doing right is basically to showcase uh self isolation, it's kind of what I felt during the uh


lock down the, circuit breaker and the phased one, I'm kind of I'm doing a film to like really present how I feel lah which uh actually is quite interesting I don't know if I ever told you how, I felt during my, uh circuit breaker


I mean during our circuit breaker lah, which was, prior to circuit breaker right I was, uh like really having, very little sleep, I was basically staying up the entire like uni life I was juggling uh my own freelance work


mean I have to juggle like my own clients, and, uh what else oh yeah and schoolwork which, very often I have to stay over in school, and, like everything else going on lah I had to like juggle here and there so it was kind of very hectic for me right and


every single day I keep telling myself like ah I just can't wait for the day that I can just sleep at home and not like bother about anything else, you know, like I can just sleep forever and when circuit breaker actually happen it was a immediate cut to my life like all my clients just like uh disappeared


so there was no more work for me, then for school they decided to give up on us and, literally cut our project, then then so there was no uh projects for us there is no future projects for us and they say like okay just go enjoy your holiday


so ya school, just cut, I'm not the kind of person to like, play games that much lah, like honestly I I don't have any games in my laptop at all, so like you know from there, I was lost I really didn't know what to do but then I decided to like okay why not just


uh, have a very good rest lah so I thought okay my rest could survive like quite long end up all the rest I needed was like I don't know maybe a week or less than a week and I had enough rest, so I decide I I started to feel bored


like extreme boredom and then, you know how like I'll win, you are extremely bored or where any human is extremely bored he or she will start finding anything around them, uh as like entertainment so


based on like my research as like okay people would find even like uh self form a form of entertainment, ya I'm not that, so okay I got extremely bored and I got uh, ya I really don't know what to do in life I couldn't find something to do also something like actual


ah you know something actual, real thing to do I couldn't so, like despite trying to redo my old works redo my portfolio redo, and my branding and everything , I was still lost, and that led me to


actually mentally breaking down, so I decide I I really went, uh insane, like generally like screaming okay not not like walking and screaming lah but like really


, up to everyone's neck lah, I nobody can really, uh handle me my girlfriend, couldn't really talk to me also, and things were very very difficult I was being very difficult, so that actually that three cycle and that mean that cycle went on three times


in the entire two months, so kind of like I really want to show, by experience uh, in my current, brief lah from school, so you will see the film coming soon


no not really don't ya


!aiyo!


yes that, friendships lost ya but, is that pain from friendships from losing friendships like comparable to like relationships


kind of like you break up


, ya, oh have you been looked down upon by people in your life yes plenty not you I mean for me plenty for you if I looked up to him


I I I was not even


two thousand, me plenty man have you ever look down by people in life I guess is , , I mean is it it


it all starts off from I guess, back from back in primary school school and I mean I was a chubby kid as there as, uh, like everybody just thinks that I'm


uh like since I'm chubby I can't do anything lah, can't play sport can't, anything honestly so obviously I had to like, try and prove people wrong, in but I don't think I can do is for studies so for in first class and that


so okay that I kind of like manage to go through that, face of like people, uh saying that I'm fat and useless ya I went through that so is now just fat so in secondary school ah for some reason it continued I mean for reasons that we know because I fat


it continued in secondary school so I did try to like uh exercise a lot and do whatever didn't work but because like I flung my study so I back to like fat and useless, so people look down at me in in terms of like I'm


is that fat and useless new thing like which is the most in like, in secondary school because so that's when everybody is like you know hitting puberty and growing up and like finding, partners finding uh more friends etcetera right and then I couldn't do any of it you know


so that kind of like, help me a lot, and people use that against me also so they were like let's say friends I know from primary school, like uh girls because I'm in a poly school right so the girls I know from primary school


they will like get their contact from me, but even if I like that girl or not they'll just, get their contact and just talk to the girl uh, I think that kind of that still scared me till today, because I feel like I'm not uh


lack of a better word cool enough you know, so that ya, ya it these things haunt me till till this day, but like even knowing that , like in in


kind of objectively, they really have nothing much compared to me into okay in terms of, being like, uh work and material objects, like self bought stuff right they do not have


ah more than me, but, you know to me is if I I I've I go back to l oh I want to be better than them when they are not even part of my life anymore, I I don't even talk to them, at all but then, ah ya it it it is is a trauma for me ah till today


it's quite painful yes how about you


what's your worst travel experience don't say new zealand because I'll cry on camera right now


do do you you know mine right, !huh!, uh okay I got a I have quite a lot


okay I have to Bangkok and Bali is not though it's a Bangkok and Jakarta sorry, yes yes


us, not Bali not Bali Bali was good Bali was good ah Jakarta ya, with the same person lah, yup ah, basically I paid for everything even though he had like we brought the same amount of money I plan for everything I had to buy him food I had to settle his


literally everything, you remember and he like kind of uh, couldn't give me any peace like he couldn't leave me like, a likes of alone lah he couldn't be independent


so I've to take care of him I've to be like a parent you know and we're supposed to be there to like have fun, not with each other but as in together you know,


ya, a lot


I think the funny thing is I was supposed to go Glasgow with him so they would have been with a hundred dollars, guy, so ya they would have been really interesting you know and to have gone Glasgow with him


okay , honestly for me I don't think I'll be that, affected because, , sad I mean it's unfortunate to say lah like I feel bad for saying it is because I will not really


, entertain him much first you know there are other people around, so I don't need to talk too much, but it'll definitely be a bit, annoyance in terms of like when we're doing communal stuff you know like cooking or shopping that kind of like or travelling together that will be extremely painful to do together


like really extremely painful, ya, I mean I have to if not I will not enjoy myself lah alright


ya sure, you what dude we are reading the exact same thing I read the exact same thing


uh why, I think my most uh hate is uh you now because you don't like durian


uh , what kind of person you do you hate the most ya you, because you hate durian ah, popular, okay I don't hate hate but I nearly disliked carrots


I do eat carrots a lot but I don't like, ya I eat it because it's good but not because I like it, that's a go what


no is that, uh I don't know is that that that, that taste that carrot taste in the centre that I just cannot, I I I I cannot I hate it but I eat it because it's goods


I love uh durian I love it okay I love it I can inject it also no problem one it's good


part two positively E X P


cool okay, what okay actually I never knew do you ever have had a pet before in your life, !huh! fish no don't tell me fish, fish I


is that a pet or food, oh, sure, smart


is it a same fish, when they they die is it on on the bend or, just naturally, to where heaven ah


, , do you know I used to have a terrapin a few terrapin, ya and


but I mean I stay on the eighteen floor right and, that that terrapin jump down, ya so never again no pets after that, uh didn't leave door open and it's just like when into the hole


ya there were like food like water marks lah, to that to that hole also we knew that it just, yes , amazing that's a


that's amazing , the effort he went through, no but okay but I know I put it on a


my in my on my store like little garden outside of my house, just to let you like explore ya, but then explore the the soil and ya it decided that like it enough soil just want to die


am I a small ya as at this size, ya ya ya definitely definitely this one,


, you know okay ever since you started investing right has your like kind of mind change in like in terms of, your goals and aspirations like for example previously we were talking about like when we graduate we want to go to at the a a big advertising agency hopefully together if not like we still try and like make it big in uh kind of that industry


ever since like starting like, investing and stuff has your kind of goal change in terms of like I want to retire earlier and like just have like has it changed


, !ouch!, !ouch! , I see ya


so do you want to be a, do you want to be a creative who does film or film maker who does creative work


I see, uh not really I have only started


after NS, we started at the same time lah essentially right, ya we did, when do we ORD twenty, eighteen no


twenty eighteen, no, eighteen, oh ya yes twenty eighteen yes twenty eighteen so, yeah essentially I started off same time as you lah right


working, that's true, so does it show that school is useless and work is more important


I don't know, for me ah ya


and I agree I agree definitely like because, I felt like having work before school and like sort of rise up the small ranks in a, that advertising world I realise that without school right I'm really lacking that kind of creative


freedom, which like kind of, really hinders my design thinking when I'm working like for clients and stuff which like, I I really feel do feel it I do feel the difference now having like having studied for a year now and then freelancing


as a like freelance, art director, that the my mind thinking my design thinking has really like changed a lot, and has made me more, open to working with different clients and like


but I can get like other art direction quite fast, stuff like that which is honestly when people say like oh you don't need a degree when you are working in advertising or working you working in that creative world, I I can now wholeheartedly say it's it's not true sure yes you can definitely


ah work without the degree but would you been an art director will you be someone who is like very creatively sound sound who has like very strong creative thinking not really I wouldn't say you are like incompetent but it just probably have less


or not well developed lah, so yes you needs amazing and this is our last schooling life eh schooling, period for probably the rest of our life and then is just work until the end


!wow!


yup okay you want to know a fun fact, I am I was padding so you know like kind of my plan for after graduation is just basically to get like a, maybe junior art director role for awhile then art director and, just rise up continuously


I kind of want to tweet my plans a little bit, I want to, tweet my plans a little bit, I want to take a probably a, one year break, a break and like break from the singapore


life in a sense and try and go uh overseas and try to be a creative overseas to kind of diversify my, , I guess design thinking, and like, my processes and because overseas is a lot different in terms of like in in singapore's social media is kind of like one of the worst ways to advertise because


clients just don't believe in uh social media the numbers don't reflect to sales and stuff, so whereas for overseas like having working at like a worldwide company, recently , our client is from , actually quite around the world most western is like US


at the side they heavily invest in uh social media, and, in is kind of like sort of shop that in singapore is still a very small thing so like having seen that like, okay yes the growth of social media is slow but I want to try overseas seeing how fast pace and how like high budget how much how strong is overseas so I wanted to try and take like a a year overseas


where exactly I'm not sure I'm still doing the research I was thinking like, uh around asia but the pay is like (ppc) uh, but you know, the pay is painful so


uh Hong-Kong is difficult it is uh language barrier is really too, uh hard for me, and but then is Hong-Kong is a very strong contender, another


idea is like australia because the pay is generally high, for like a junior, , but at the same time is like, australia is, I'm not sure if it like really a hub for advertising


somewhere where I really I somewhere where I want to invest uh one year in, so I'm not too sure but, I'm I'm trying to (ppc) work towards this oh genuinely, so for a year you know I will not be here


right I mean if it's good I'm not coming back , I think quite good ya


maybe about two years ah maybe one two years after I graduate lah not so immediate, scared to convince like people to allow me to not allow me to go but convince them that I'm going lah


yes, I was going to say I was really going to I was generally going to say that


, I am thankful for many things in life, mainly , actually honestly right, I'm quite thankful for it it see, remember how like hellish that period was


kind of like , okay I don't know if you saw lah but I was really working seven days a week, uh morning to night every single day for like, uh honestly the pay is like, really really


is okay the pay is like four days worth of work, for me now, the pay is painful, but then because of that right like that was really in my worst working experience in life, and that kind of make everything else that I do now a lot easier


ya so I'm I'm thankful for them , I'm not thankful for them for, uh a lot of things also but, ya honestly that's where I started and thanks to them I I grew


to where I am right now lah, how about you what are you thankful for


ya ya ya agree agree, but do you ever wish to, what SPF, oh, I'm I'm thankful for the free camera lah


that oh that was that was amazing that was really amazing that that help us a lot lah, right honestly, ya more than any NSF can have eh honestly


do you because of that we we kind of, screen shot our, I won't say our career but kind of like our direction, quite hard at first, and we could sustain ourselves immediately after ORD


you know kind of so we were not like, you know don't know what to do in life and like oh no, you know that kind, for our NS our NS experience is like generally work experience also no


no NS stuff not much NS stuff, , time is agree ya I agree, is, I mean I was pay was slightly higher than interns


but our workload is kind of like, uh stupid lah at times okay lah like intern [loh] exactly lah intern lah, it was fun


part one finance


, keith what's your investment strategy


are you using voice memos,


wait a minute


wait a minute my voice memos also suddenly a bit issue


what is going on


would I think my voice memo is having a little bit of issue here well going to restart ya I'm going to restart the mac


oh should be working in a while oh okay


uh it's correct, okay ya it it's kind of bad ya


yup working can, (mmhmm), that one still running


sure


part one finance, sure what's your investment strategy again


well , what's my investment strategy uh similar in a sense that I also just that only invest in stocks and just started recently and only dabbling in like the US markets like the NASDAQ and the NYSE


it's currently funded by a bit out of my savings account because it's not gonna roll if it's if it were to be left in the bank, so I mean I talk to my dad about it sounds like is it cool if I were to do and he's like sure take a bit out of it dump it I mean not not dump everything but like spend a good portion of


spend a portion of it in the stock market and then like okay you know hopefully it'll grow which I think it would hopefully ya that that's my strategy for now because I'm not getting the regular income in the same way like you do, freelance jobs haven't been coming as regularly in these COVID pandemics so that's where most of the the cash comes from for now yeah


!wow! , for as for of for life perhaps like , for for me I'm just like you I have not into that day trading kind of stuff so this is going to be like at least a five ten years and beyond kind of thing like


when I do start earning I'm oh split it accordingly so that like a good portion goes to investing savings and across the daily expenditure as we or I think abide by that sort of principle of what you save


alright


yup yup, (mmhmm)


, definitely take risk like I mean with any sort of investment there's always like a risk involved or so by doing this sort of thing you know automatically signing up for risk lah I mean this whole thing is so new to me so everything is risky about it but uh yeah what


what else is there to say , I thought of time the market


uh what's what's time in the market like if you were to elaborate on it


but I,


I mean to a certain extent everyone tries to time the market and that like could the like the past two weeks has has been terrible everything was red red red red red red as their great and that was quite worrying to see considering that that at that time I started it was at uh


near the peak of that sort of bubble ironically the pandemic has cost and everything to shot up like no one expected Tesla to jump that high nor Apple and after zoom reported their earnings boom we went all the way to like four hundred yesterday's trading close to five hundred yeah so I mean


ya so and then you start to regret and then you said shit I should have time the market like zoom would still be relevant now before their earnings report and it certainly be relevant after that but , to a certain extent we all want to time it right and and then we will look at oh hot damn like that if I had bought like Tesla like at the start of the year or maybe a few years back


and now look how much by how much it has multiplied might be fantastic but you try to dive into it next time I would imagine, but when you, and you also have to think rationally right like this is going to be a long term thing this is


that will be something you keep perhaps for life or not I don't know but yeah so you make losses here and there so, hopefully it just goes up eventually in the long run so whatever losses now eventually it it hopefully it should recoup itself lah


ya bro,


no man I I think I bought higher than I bought a lot higher you bought for your Apple you bought one one how much ah, oh do it oh, I was like one one four


why only me know why praying on hope I mean it so, praying on five G praying on Iphone twelve but know all they release was an Ipad and a stupid Apple watch so october maybe


yeah well no one saw the whole massive sell off that happen in september right so, it is what it is lah you take it on the chain and as long as you don't materialise your losses then okay lah


sure that's your sarcastic sure


it's a lot of uh more of the tech stocks, that I have ah what's in the portfolio there's little bit and and electric vehicles right so there's there's a bit of neo it's a it's a electric vehicle maker as well there's a bit of a bit of Tesla there's


there's crowds track and there's Apple so ya basically stuff that basically stuff that has to do the Cloud and electric vehicle I mean that's kind of like the future we are headed towards I think


no, it it it I mean the past week it has been that anomaly the one green and the whole streak of red


well ya I don't know or just see how it plays out lor, no leh I haven't looked into that you got any advice on that


C group


well it's good that's good, ya that's one thing I realised I haven't been looking at properly the whole uh


E commerce side of things I mean obviously Amazon did really really well during the pandemic because we only want their services, but ya I mean that's one thing I I mean I haven't had the time lately especially with the school and all to read up


I mean to do to do the research as of like speaking a research , most of it is all in doing their research and finding companies which have which are of value I think the keyword here is value and


like I admit I bought into the hype with the whole Tesla thing it's overvalued kind of want to see what happens and shit happened but it's okay it's okay as so plenty of hope for it going forward


expanding is so growing so there's no reason why you know I should back out of the whole commitment to Tesla that that share class fast so, ya I mean most of it is it's all really in looking


at a companies values and it's to to know that it it's all value and rather not over over over valued lah that's what I feel and that's what I've read about so far but to no a companies true values it takes so much reading so much effort to find out


and really had the time to follow up on all that lah, snowflake, there's no snowflake ya what I was like what the heck it it just jumped by almost until two hundred sixty on the first day opening


I'm like oh, ya man but but now it's kind of like averaging itself out is two up to twenty nine it's averaging itself out and I just wait and see lor I mean even the


sorry you saying, , kind of like, financial institutions institutions and shit but it's okay it's okay


, we just wait for it to average itself out lor I mean it's kind of, I don't know have to read I don't know known why


oh !wow! anything going to happen in two years and no one really knows what's going to happen till it went right, !oops!


I means that's for some that's a buying opportunity right, right and I mean


sorry, okay ah tak apa lah it's in good it's okay lah just


it means not meant to be you know and that's one we're looking at it I guess, what ya [loh]


it's very tempting to say invest more to make more money lor but exactly you said no knowledge means no investment, as in I mean


you know you know what I mean right like okay how how would you go like I have no clue at this point right, it


for sure, , how , what was it I wanted to say forgot I want to say one million ya it was at the top of my head and then I forgot uh for ya man I mean at at okay before delving into all these investments in shit right


, it used to be a point of time where if someone were to give you a million you'll like straight away invest and now they having gone through the heart pain of september he start to think twice about it right


ah it's a very simple way of looking at it


ah, and let things over inflate and then buy at the end when impresses lah,


will you invest how about a portion that was that's that's that's an option it could always save the rest


I buy a Tesla , just go straight into buying a car like thinking about the share !woo!, , eventually there's was a disappointing you know speaking of speaking of which I was nothing really exciting ah it was earlier this monday tuesday tuesday and battery day ya battery day was tuesday twenty second nothing much [loh]


, I guess like, ya but the most of the big size is coming in like two three years time I I think he tweeted something about making the machine that makes the making the machine that makes the machine is harder than making the machine itself ya ya he tweeted something along those line is not add verbatim but what you get it lah


ya it just on my hole bro okay lah it's like picking up now got, it it it will pick up over the next few months years whatever so no no no qualms no no high bro no high


ya man, grow (ppl)


part three negative experience


a a a avoid humour, ya sure


(uh huh)


(mmhmm)


looking forward, ah !wow! what's what's a negative feelings, that's this is hard like I don't usually process negative feelings that well it kind of just disappear and I forget about them


ha, oh well I could describe a time when the friendship ended sure so back in three no secondary school and this really close friend his name was Amir #amir hamzah# one two three sec four like we were all in the same class like throughout


like we're screwing around together throughout and like play frisbee also together chemistry class like pour a random solutions on a table and the next they when, you know doings I means there's always like those those random chemicals in front of you right , so then we just pour and mix and match lah like there's there's one time he he he damn funny lah he set fire to paper in the bunsen burner and like shit didn't know what to do he just stuff in a drawer and teacher was like


what's that burning smell and is like oh nothing nothing by the time we buka open the drawer like it it the the fire died because you know seem will turned in shit lah like you know that kind of stupid shit we we do it lah, he did it lah we would hang out a lot together


and we were quite tight lah so funny enough he was the first person to climb onto my roof here you you you've never seen my room before have you seen my room okay like outside my room then there's a roof tiles out right he was the first person to like climb on then because only of then I climb onto my roof for the first time


like right until then I've never done it and so ya I mean stuff like that lah you know growing up together like you know secondary school is like a really big, part of the life in terms of how it shapes you as a person it's you know like kind of like a formative years but like the second stage of your formative years after your childhood so ya and then after he went to poly then he's


like started growing more distant and distant and distant like I understand that like his family also I mean not the best place to grow up not the best environment but he always make the best out of it he was always, like smiling and laughing and you know making it making it through each day then when he joined poly then he made new friends and then slowly we were like of apa tu we slowly like you know that group of friends lah it was it wasn't it wasn't just me and him lah it was like me and him and like plus some other people and then


uh he just like left us lor like stop hang out as much stopped replying and then it just became like awkward and now it's like totally silent and , ya the gang but don't really bother anymore if he texts or like if he invite us or anything like last time he invited us also was like his birthday party two years ago


and even then like we didn't like my friend and I didn't kind of show up because he he he didn't talk for awhile and then all of a sudden just invites so I'm like nah it's not not way way I'm not going to turn up for that so that was that lah


quite sad but it is what it is and there's nothing, we can really do about it lor like that lor I guess


(mmhmm) it's quite weird lah that it is that it happen this way


uh, uh let's see if if the pain can be compared well let me see the last one no leh there was, I think friendship this friendship hurt more somehow then the


relationship I'll considering the circumstances that, the relationship ended on, and also like I've no need for much longer time, ya so it depends lah I mean it's not a


one size fits fits all kind of answer it depends it depends it depends as with with most thing


what talk cock lah where got , , you know it's a matter of a height don't be lame lah , , when who going to look up to me dude who even look up to me,


what why what's what's what's what's what's your what's what's your stories behind then


get them , I don't explicitly recall an instance I was being looked down upon so much so as much as my family being looked down upon ah if


you know the stories, and that come with it and bear, and uh it it becomes a a sensitive topic though if you think about it , ah but yeah I mean it feels weird in that sense that it's this day and age and you


are still looked upon based on your skin colour in terms of like whether you have access to such privilege and it it hurts but at the same time it


it's I don't know it's nice to to prove such people wrong, being in this state while not me but perhaps my my parents lah you know they have the means to prove that you know not all of us uh what does stereotype makes us to be


to fit very nicely this where is I can so yeah I mean I don't really, take note of such events like I can't really recall even if it happens I kind of just let it by because I'm not really want to dwell on such feeling such thoughts such emotion so I don't let it affect me as much as I should


and I don't think about it that much [loh] so yeah , I can't recall this of the thought of my head, but maybe there is an instance it might come back and then I could tell you about it but ya that's that's that's as far that's as far as I have right now


, me I went new zealand twice so you will never know which one , I don't know eh what's the worst travel experience


I I, the australia, did they no eh someone no I though no yours, and a refresher


, okay Bangkok I know, Bangkok if I recall correctly was, hundred dollar one ah is it okay can can can can can can


then I know then I know but Bali run run Bali through again, eh Jakarta, what what ah, what was wrong with Jakarta


god damn


, I it it rings a bell, sort of fight would be nice to have like a refresher on all the exact incidents


but a lot travelling so far has been quite okay for me right I think quite lucky in that sense nothing really so bad or, ha lor


with who, ya ya ya I know I know where, do you think things would have changed


right, (mmhmm)


I mean like it seems like you found a way to work around the problem, , I mean you you you know you know it's coming so you you know what to do right


what popular foods do you dislike, mine's durian


mine's durian, you know why just dislike it there's there's no why it just doesn't sit well with me that's all, I like it oh I'll be too stress


it's popular food , can like that also can ah


and also also its carrot carrot are good, carrot are good, why don't you like them


oh but the durian tastes can ah but the durian tastes can lah


, it won't do lah


ya part two positive experience


(hmm), they technically still do,


fish ya is like in that little prawn thing ah, what similar what food is a pet you take care of that thing right nonsense lah you


you know like eh come to think about it I've had like fish what like since forever since I was nine, at least different lah they all die one despite


okay no the fighting fish I had when I was nine jump out of its container, I guess now it's there bro I don't know bro I don't know what's wrong with it I was quite sad


ya and now we just have the fish so that the algae or mosquitoes don't accumulate in the that water feature pond thing that's all


how many oh I used to have terrapin too now now that remind of me, , how how does a terrapin jumped down from the eighteenth floor


that's damn sad oh but then is damn funny at the same time, it it is the worse like, but how do you how do you even get out like what is it doing in the what that you know what that the corridor


oh that one


so it was like this this big ah and the small small one, oh so have been thin enough to just like , , won't do lah


I never knew this why am I just finding out about this now


no leh really I just know that I'm doing this because it's very hard to be rich as a filmmaker or as a creative because a TBH TBH oh ya I do this and do need some sort of backing somewhere somehow


right right, got to make that money grow somewhere somehow but ya [loh] , that's that's one of the reasons why, and do I still want to go into a a creative agency sure yes but I'm doing what I don't know kind of the mod sorry


you see that's that's the identity crisis that's going on right now then a good part also still wants to write film music like having done music of I think my whole life dude but not using it


using all that you know accumulated knowledge feels kind of wasted in that sense so, I kind of do want to write write film music, so hopefully like FYP if they need original music I'm up for it or even like now we have a directing mod so everyone's like directing their own shoots so hopefully like someone's going to need a rhythm music I'm I'm down to helping them right so ya


okay man still long long way to go this is like the first proper three years in the creative life I mean you've been in there longer than I have so


twenty eighteen, eighteen, eighteen then you go new zealand what then you go what eat see


where's the different was that because I was like straight into working whereas kind like kind of schools so that I can eased us in A levels ya so the experience there is different experience is that experience but it's kind of like different kind of experience


!wah! this not he kind of debate eh I don't know leh !ow! I am I don't know I'm grateful to be in school having not


knowing anything or having any connection so school is a great place to start with that , and also it's like a safe space to try things right you can't try things when you out there so we are I mean there's this film I really want to page for FYP that's been back on my mind for the past year at least so


hopefully something good can come out of that and uh yeah school is just basically the save space where everyone encourages you and empowers you and, it's not like that in the working world having intern internship which was quite hellish you would know what ya lor you were saying sorry


!hey! that's that's a that's a good point that you raised about like not having that you know that


being able to, be inspired by the other things around you in in the same way because basically school is a place not I mean what I've learnt so far that , school is a way is a place not really about learning content but it's about learning how to learn in a different methods of


absorbing content and problem solving critical thinking and all of all of that kind of stuff like it's fantastic going through all the different pedagogies that each prof has and how they approach their classes


and the biggest takeaways are usually not in their content but in how they teach and how you learn like ah okay half a time my example are going to laid back to music so here's another one , so there's I've had like three different prof so far like like when clearing my mind music in and I use so that's


doctor larry there's miss Yong and there's doctor eugene so doctor larry like focuses heavily on performance, even when we're studying latin music kimera just play and play and play and play I was just we supposed to study like latin music right and history of it and what's make it work but what prof what what doctor larry made made us do was just to play latin music inspired song as with that like guantanamerah we tried guahirah


and the biggest takeaway from that was basically about the groove in music that you feel and which has kind of changed my way of listening to music like having studied music like I don't just listen to lyrics I listen to all the different instruments and see how they fit


and now that doctor larry mentioned is groove and I look out for that groove and see how it fits and I clap along and try to interlock with my own set of rhythms so that change your rhythm as well so that doctor larry, miss Yong was more spoon feeding so it's very theoretical and very content heavy and we talked about romantic and twentieth century contemporary music and that's when I realised that there's so much more to contemporary music because you are studying music as a concept


rather than an aesthetic because like you you are familiar with the whole idea of art being more of a concept then an aesthetic right I mean having gone through art school and art your whole life do it you get it right you get it , so that's that's the biggest takeaway I'm like it's you can study bribes you can study rock money tchaikovsky schubert all that but I mean


it's good to learn but the harmony , the principles and harmony and melody it's pretty much the same that's that and then for doctor eugene he looks at things in context, so for example we just cleared box kiwi liaison which is a mass says from his mass in B minor if I'm not mistaken but that's for the catholic church but bacchus is a lieutenant which is a totally different denomination on church why did he do that to get promotion to be a court musician and you know why he wanted to be a court musician


because he being a normal musician funny finally enough back in those days is not ups or high enough not ups lah ya legit so, bacchus children actually got law degrees telemann is also another composer I think was telemann he also got a law degree before becoming a composer


the perception hasn't changed for a four five hundred years and ya basically that's the biggest takeaway from school lah and for me it's not really about the content but about the the learning process involved and which influences how you look at things


ya man , how is it


you what right


(mmhmm)


I was I was going to guess Hong-Kong knowing you


but I didn't see that coming so high so weird so weird to find so weird to find out about your plan this way


think about it, but that's good that's good I mean it's good that you have a plan like for what you want to do like when that when you graduate I'm so kind of in the mixed so not sure yet


alright, understood understood


!wow! , what are you thankful for,


(mmhmm),


, (mmhmm)


, alright, ,


that's good I mean , on a similar note I guess I'm thankful for in a way it it's a bad experience but experiences are good experiences in the end when you look at the lessons that you've learnt and how you've sort of grown


it was it was hell like the way they treated us interns not just myself on on to speculate that but , you learn lah and one thing's for sure that it had open my up my eyes to what it would be like to be in production house in singapore


what production life is like and yeah it was sort of a thing that this illusion me like from this whole I'm just go like !wow! film let's go shoot but now like, let's go shoot they were like (hmm) we have we have second niggling doubts and stuff like that


ya [loh], and SPF, ya bro, stupid PAD was actually quite thankful for that


free camera was nice, way too much more than it they were more than it should have had , funny lah


yeah for that


that's true yeah that was , I do my friend called it an internship leh can't can't can't disagree with it can't disagree


(ppb)


part one finance okay (ppc) so Joshna you start first ya


I can vouch for that


okay ya I think that kind of brings me to my question as well I think uh you were sort of inspired by me to do that, yeah, yeah so , I think at age seventeen was when I open my DBS account cause I think that's the first time that I went out to work actually sixteen years old


then I think one or two years later I realised that I needed a secondary account so that I can put my you know my the amount that I've earned and you know just save it over there so that I won't spend so much so ya uh I'll talk about my second question or do you want to go ahead


okay, okay ya so the question I'll be covering now is how do I manage my cash flow and how much of my income is allocated to savings expenses and insurance slash investment so similarly I also make use of two bank accounts to manage my cash flow so initially it was with DBS


and uh DBS the kid's account was the very first one I had after that it was POSB savings, and then, OCBC frank account as well so DBS was my spending account which is where my part-time job like the money used to come in and OCBC is my savings account


so but recently due to the increased interest rate that I discovered uh in standard chartered I made the switch to that bank to be my new savings account, so the interest rate for youths current the youth uh currently stands at one percent per annum for standard chartered and I think that's the main attraction that caught me to


open up a bank with them which I think you also were inspired to do so ya, yeah


ya it's not that much but it's significantly higher than what we previous previously got ya, so yeah so I was saying I mean as I was saying while frank OCBC only has the interest rate of like zero point two percent per annum so that's relatively low


and ya so I personally do not have a full-time job yet and as of right now I'm not working any uh part-time job but previously I have worked for multiple part-time jobs like about five to six, so, I would say at that point of time eighty percent of my income would go to savings cause I don't really have much to spend on and twenty percent of it will be to my expenses so I mean at this age I don't really have much to cover like I don't cover my insurance and


uh phone bill and all that so but in the future the allocation of my income is definitely sure to change , I would think that maybe fifty percent of my income will go to savings and thirty percent of on insurance and I guess twenty percent on expenses I guess it really depends on how the situation goes ya


it's quite a heavy payout ya


ya, ya that's why it depends on the age ya, yeah


oh


ya uh I personally feel like I mean at my age I definitely do not need a credit card cause it does it does encourage like impulsive and, just irresponsible spending behaviour and when it's time to pay up then it's just tougher I guess ya and for the cashback yeah


oh okay I didn't know that ya


yeah I think twenty one I guess cause that's when people have a stable income if not later


Google pay is mainly like a referral then you just use that and then , ya you get money after you send some money over, okay so I think I'll move on to my question


okay so uh the question is how do you spend your money which expenditure is justified and what have you been spending too much on, so I think as I previously mentioned just now at my age I do not have bills or insurance to pay for as of right now my monthly my money mainly comes from the part-time jobs and I've that I've done as well as some allowance that I receive from my parents


so but at the age since the age of seventeen I decided to just take up my own transportation or like you know concession fares, since I have been working quite, a lot in you know part-time jobs, so ya and like I previously mentioned my money is separated into two accounts


so I mainly just spend on food transport clothes and, I guess groceries as and when required or requested, yeah, so I guess this would be the justified expenses I mean entertainment from time to time is also justified but when entertainment gets


too much like going for a movie every day or like karaoke every day that's when it, you know it exceeds the limit, and I guess uh pre-COVID or back when I was in poly I used to go out a lot more I mean sometimes both my lunch and dinner will be outside


added on with entertainment that I used to do quite often so those would be, too much of spending sometimes, and ya for me I personally don't really spend on unnecessary luxury items I mean I don't have the uh


income or any you know allowance to do so so ya that's that's that for me ya


ya, that that's basically you now yeah yeah don't


okay so I have my third question also which is what is my thoughts on CPF contribution okay so , when I first started out working I was also a bit sceptical like come on why the CPF why do I have to give away twenty percent of what I'm earning like


so if like my part-time job is eight dollars an hour it's effectively six dollars an hour because twenty percent is gone, if I did the bet if I did the maths right ya, so yeah so uh many also dread the twenty percent allocation to CPF over time I believe that


it's actually a more disciplined way for us citizens to save up, cause it can be very easy like for us youngsters to spend our money without worrying or thinking about the future like thinking about retirement I mean it's probably like sixty fifty or sixty years down from now like some of us don't even care about that ya so


ya ya


I mean I don't really know about that but it's probably true that's there's a lot of controversy going around that CPF especially during COVID a lot of people want to withdraw their money out like, faster but they are not allowed to, so yeah there's quite a lot of things going on around that


yeah so I guess CPA CPF plays the part of like a forced saving mode for some, so actually there's one plus side to it and that's the company that we're employed for actually contributes about eighteen percent, to our CPF like on top of the twenty percent that we're giving we're getting an extra eighteen percent


which honestly is quite good like, even though the money is stuck there but you're still getting extra money for working, so ya this will come in handy in times for retirement, and also medisave medisave is quite important like


for unforeseeable illnesses or virus like as of right now there's COVID, so, I'm sure it's quite costly to stay there for quite some time like fourteen days and all, and the swab test as well, so all of this you know it can be used for hospitalisation expenses and lastly it also goes to our ordinary account think you ever mention ya


uh its use so ordinary account is used for like insurance housing education and investment so these are all like you know futuristic stuff like not as not things that we got to worry about right now other than education of course, so yeah for me as you would know I was hospitalised recently for a minor spine surgery


so just prior to that I obviously had to do an MRI for them to check whether surgery is even a viable option or not, out of which a certain amount of money was actually paid by medisave through the CPF, so ya I do see the importance of having the CPF contributions but the one downside the one downside that we faced was medisave does not allow us to pay more than a certain amount so while the MRI may have costed like a thousand bucks


I was only allowed to use three hundred dollars out of the medisave, so yeah, even though we may have had more in the medisave account we there's a certain limitation to how much we can use and when we can use, so I guess thankfully to the insurance that my family has taken up uh the whole procedure went smoothly so it's not that much of a hassle as it would have been without CPF or insurance


yeah


yup special ordinary


oh !wow! ya that's interesting, I think that's all we have for our finance topic yup


uh okay, first a bit more on CPF okay okay so okay


ya, okay but that didn't happen for me though ya okay (ppo) okay


part three negative experience, okay so personal negative experiences, , ya okay I don't know why mine always revolves around food I guess I just love food so much uh


uh okay so what popular foods do I dislike and why, uh okay, I don't like seafood at all I hate seafood, like, I personally I'm not a fan of uh I think wait uh sorry I think your mic is on then the we can hear the typing ya sorry


okay alright okay ya so I guess, is Singapore's nation food like chili crab, it is right okay so I, right okay so I'm not a fan of like black pepper crab chilli crab or any seafood for this matter lah I mean


ya it is ranked at number one for Singapore and, I guess it's something many people are proud of but, I'm just not able to digest or even eat or even for the matter look at seafood, so, I think when I was younger when we used to go ya !eww! when we used to go to our grandparents' house at Bedok


then at the coffee shop downstairs remember there's like always the crabs that their thingies are tied up it's so disgusting, the the ya the raffia string or whatever yeah so I have not actually tried crab uh shrimps lobster oysters or any of those seafood


ya but I thought you went for a, seafood buffet that's why I'm a bit shocked, oh ya I don't like #ikan bilis# as well


ya exactly ya so what else do you eat at the seafood buffet though


oh how is how did it taste that sounds gross, oh ya then ya


[orh] that's perfect lah, ya seafoody, ya so, I guess for me it's like something about seeing the hard shell of the seafood like in the actual form, so for chicken when we eat chicken it's not like I eat the whole ass like you know the whole chicken there


ya it oh if it's there also I also don't really want to eat because it's just feels a bit weird I guess it's just my own mentality in the way I think of it, like, I guess like if you were to give me a whole fish I would not want to eat it but if it's fish and chips like fish fillet and all ya I'm okay to eat it


I guess it just my own mindset of how I view the food, like for ya for crab, ya they have their shell there fish they have their eyes still there like come on lah, ya it's that's disgusting ya


I mean it's just so disgusting lah I cannot even think about it I'm so grossed out just by thinking about it


you dislike ya oh I love that oh my god why you don't like, yeah what what's the ingredient


ya that is #bak kut teh#, oh ya I remember ya since young you mention also


but just recently you had the KFC isn't it with the bone, ya I guess what I like about #bak kut teh# is, what I like about #bak kut teh# is, ya ya that the soup there's the I think the Youtiao that comes with it


cause normally we have the set meal, oh I mean they give it as a side so we have the you know the sweet beancurd, the one that in the morning we eat, like ya, no like our dad used to go to the market and then they will get the sweet beancurd remember or not ya


ya so I think it's just a side dish lah the Youtiao and all is just a side dish but #bak kut teh# at first I was like uh what is that it's a bit weird like why is the bone you know it's just weird but actually tastes quite good I like soup in general


and ya it's just a perfect balance for me, ya, what other stuff do you not like though, ya


oh ya okay sorry ya, oh ya okay


oh is it, maybe that's why you are a bit insecure because you also recently join your company so


I guess that's their preventive measures lah to not lose all of their employees


uh I mean as of right now I am, a university student so I guess it's mainly about my studies and whether I'm able to, do what I'm you know supposed to do, like whether I can live up to the standards and all, of like you know the assignments that they have ya


ya mainly that I guess not much to I mean I guess bringing back to my previous the thing that I mentioned about like the recent surgery that I had, so that's one thing that I have to, pay extra caution to right now like


I'm currently learning how to drive I think you must have heard yeah I'm currently learning how to drive so that, makes me sit for like, two hours on edge so, I don't know if that's gonna affect my back and all since they say that uh recurrence would


is possible to happen so that's kind of got me a bit worried because I do not want to go through the surgery again, like it was not a very easy experience like I couldn't even sleep the night before and ya like, my dad was there like he's just sore in the morning I was like you know I don't have to go I'm fine and all so ya


I was ya I was asleep I think uh for two hours you know so actually


a bit lah it wasn't that intense I guess, as much as I thought it would be lah ya


when I was younger yes as of right now no more I don't really care anymore, I mean


I mean technically it's it's my life I can do whatever I want as long as it's not, like harming others or myself, ya I think I'll be fine I don't really need to, I I don't really pay attention lah to all these stuff anymore previously yes it was quite a huge factor that


I used to pay attention to I'll be like oh what does this person think of me what does that person think of me but I'm not here to please people you know and neither are you lah so, ya


so the other questions can we


I don't remember, ya it's normal


who you used to be lah ya


ya, actually I think another topic that is not stated that I would wouldn't mind uh covering is what is some of the negative experience that you have faced like in a restaurant could it be an employee or the food cause I actually just thought of one that I had in mind so maybe you can share first then I'll share


experience that happen in a restaurant maybe it could be the employee or the food you know, or like anywhere like it could be just a place to eat lah


okay I guess recently I, am I allowed to say the place name


[orh] okay so recently I had lunch was it lunch ya I had lunch at Monster Curry yeah, that's actually a place that I like to I I actually frequent quite a lot because I quite like their you know curry and the chicken the chicken is very nice very crispy I love that


but of uh at that point of time, I think what happened was they said that , cause it's a set meal so they said that okay we'll be getting soup, ice-cream as well as the main dish oh plus a lemonade or ice lemon tea something like that ya so


they came to us and then they said oh we don't have the soup anymore, could we replace it with an onsen egg and I said uh, like both my friend and I we do not like onsen egg so we said uh is there any other option that we could have rather than that and the guy just like [orh] walk away cause he also don't know what to say so I think after that what happened was he came back with a one quarter filled bowl of like mushy soup


so it was mainly like the ingredients like the main ingredients at the bottom or you know like at the bottom of the ya it's it was very disgusting, ya and we tried it and it actually tasted quite stale and a bit odd, so we decided not to have it ya and I mean we didn't really feedback at that point but I'm sure they saw how you know unhappy we were


ya so ya that's about it


okay oh ya ya, oh that's the worst I cannot even deal with it, I think ya recently ya


I wouldn't be able to continue as well ya, oh ya just disgusting food ya


cause recently uh my dad went to buy food from a hawker centre and it actually, ya so halfway through I think one of the family members they were eating and they actually discovered a bug in it, so for them they just threw that portion of the food away but had it been me I would have just I cannot lah I cannot continue eating that


it's just disgusting, ya


oh I mean I've never really gone there, oh !eww! ya, so they don't wash it properly is it oh no


I guess sometimes customer service plays a big role also, like sometimes the customer, ya like some of them just don't care and I guess that's a bit sad like I mean it's kind of like their job and I have worked actually as a you know food and beverage uh F and B lah I've been F and B staff for two years


so I know like how, ya for part-time ya so we can't really react negatively to such, situations as much as you want to like you know after the customer leaves then yes we do, like you know express all the negativity but like


at the situation it must be handled well lah if not it's really terrible for the customers and I mean as of right now it's very simple to just leave a Google review or like any review, so it does affect the company, cause in the company I was working in any single negative review that comes in it will be directly sent and sometimes people can take note of the name tag and whatnot


so yeah it does affect ya, ya, ya


ya that's what they do because ya


ya, ya I guess I've seen that as well cause ya, ya the I mean the place where I worked at it is more like you know the affluent people more on the high end but there's also of course singaporeans like you know like on the middle end who come come by


so the foreigners are actually really nice they even give tips and all, ya so it's actually quite nice but then, uh and if I'm unable to answer question I mean not saying that all of them are very nice some of them are quite rowdy and quite ya, so it just bring out ya it brings


ya it's a quite a negative I it creates a negative environment lah in the outlet for us so yeah yeah


ya I guess ya, I ya actually I've seen I mean I have been scolded at I also have had customers scolding each other


so that's a bit weird like because ya because uh the counter is like in the middle but there is two sides so people some people queue as and where they like ya, they queue as and where they like so sometimes people will queue on the left side sometime people queue on the right side so the problem with it is uh the problem with it is you know some people just won't budge if I told them that they are on the wrong side of the queue


ya so if I were to tell them oh so sorry you have to go and join the queue uh at the back then, you know they will be like !wah! okay then they just leave their I've seen actually one person they just leave their tray on top of the thing so I have to personally go and put back the food back into the cabin uh whatever that place is called yeah


ya and also if I were to out of goodwill allow them to cut and like just I serve them first the customer behind will react unless the customer behind is nice, ya so it really depends on the people that we experience


oh ya


ya, ya I I don't quite believe that customers are always right it's not that true yeah alright


part two positive experience, okay uh yeah I guess I can begin first for this positive okay wait ah


okay so I guess the first question okay I think the timer is not on yet, [orh] okay uh okay so my first question is actually what is your favourite childhood or eh eh childhood food or snack


so, okay so my favourite childhood food, or actually breakfast that we have that I've been eating since I was young is actually uh something call cheese Popiah so it's something that my mother used to make, uh I mean she still makes it of course uh and that's something that I recently picked up on like during COVID I definitely had a lot of free time so I guess I just use that time to learn some of the stuff that she has been cooking and I really like a lot


so this dish I mean this breakfast is basically using Popiah that we know we can get from NTUC or any, supermarket and that's the exterior so we wrap it with I mean it's the interior is filled with cheese onion tomato chilli or sometime even sometimes even egg lah depends on our preference


so we then wrap it up into an envelope and pan fry it and it's now like a sunday morning delicacy in our family I'm sure you have tried it too as well Joshna, of course ya so ya, K so uh apart from snacks I guess I do have a favourite beverage and that will be Milo uh it's something that I drink almost every day for breakfast since I was in primary school and sometimes when I'm rushing to go out I just grab a Milo packet and just leave the house with the Milo packet ya so it's Milo is ya


Milo is an essential but actually there's a difference though like the Australia one tastes really different and the Singapore slash Malaysia one is quite, nice ya I don't quite like the the Singapore one ya or Malaysia actually I


I don't really know I mean I don't I haven't drink the Australia one in a long time but it just tastes weird like it's just not the original one that we are used to drinking growing up ya so, oh right okay that depends


so uh, uh of course in the in the cold weather I would prefer a soothing hot Milo sometimes either with milk or the one with condensed milk oh my god the best ya, and I guess in hot weathers definitely a cold Milo like when I'm rushing to go out I will never bring out a like you know warm or room temperature Milo cause I mean the weather in Singapore is already like


super hot so I need a cold Milo, yeah so ya what will be your yeah, oh yeah oh ya


the little gem on top ya, oh ya, ya


ya (ppc) that's a lot, oh yeah waffles are actually my favourite yeah but


regardless of cheat day it's a good snack yeah


technically a banana would do but okay , ya, I think another one okay yeah yeah another one would be the ice-cream sandwich like you know there's just like you know the uncle with the whole cart


yeah the ya the uncle with the cart so I actually went to where was I having, the last time I had was really long ago though I think it was when I got my passport renewed either that or near the house so outside the place it was actually the uncle's birthday so he was giving out free ice-cream like the ice-cream ya so that was amazing


all we had to do is follow his Instagram eh sorry his Facebook and ya, he's he's actually quite popular like, ya a lot of people know about him kind of forgot his name though


ya, ya I never really see him though like recently we went I didn't see him there, maybe cause of COVID I guess but I don't know how it affects ya


actually but how about the one at east point I haven't actually I've seen the guy though I have seen recently, ya I have seen the guy at east point ya but not actually I don't know should probably check it out ya it's not


I think I only started eating Old Chang Kee in poly I think when I was younger I don't really eat, out like so much but I think yeah


I think ya the chicken the pops the one with cheese I think that I always ya it's, really I like the Mcdonald's one though


actually in poly ya that's the best actually in poly right we had the Old Chang Kee truck, which was there from time to time only, so but most of the time it's sold out already cause everyone just goes and queue there so that was pretty cool


oh ya the Milo oh yeah that Milo hits different though


I haven't tried that since secondary school actually secondary school ya since secondary school I have not tried that, oh secondary school we had it as well, oh ya ya ya hundred plus oh ya maybe I mix


oh yeah but I think the Milo is better I haven't really tried that in a long time but we were only entitled to one though it's not like we can take many many, I mean unless I just say oh my friend but, it's just me yeah, okay so since we are still talking about food let's just let me just go to the other food question


yeah so I guess, okay so the question is what is comfort food that you can always rely to cheer you up, and okay I'm not someone with favourites I don't have a favourite food or like a favourite place favourite colour or favourite anything but I will say my go-to comfort food would be K wait let me think


uh okay the chunky chicken from Old Chang Kee the one with cheese I love cheese ya, okay either that or Mala, I think that's the new craze recently, Mala that's my favourite ya and okay I don't have a favourite but uh mcspicy from Mcdonald's


that one just hits differently ya, wait what else let me think ya


they'll probably say what kind of indian are you , that's true


yes of course you know ya yeah okay wait let me think uh okay, yes cheese tofu that's the number one


ya wait what else do I put I don't know eh okay so wait let me think I think the Tofu cubes are really nice, luncheon meat is also something that I really like


you like fishball I remember that time, ya, !huh! fishball and cheese, ya cheese Tofu that's one how about else


ya fishball is just plain oh ya ya ya that's call what's that call Tofu what, okay no not for me, no I I would love to have the noodles


oh


similar to #yong tau foo# ya, ya very new ya


oh ya ya ya the number of ingredients lah ya


that is the most expensive Mala ever what the heck yeah, yeah


did you manage to finish oh my god, uh that's not worth it that's crazy actually how like is it very expensive or like do you take a lot a lot how many noodles


oh ya I guess they charge more for meat


CBD area is always like uh ya, I've never really tried Mala like just the ingredients with rice normally is with noodles but I guess it's a oh my god there's another Mala with soup I've never tried that


it just sounds odd ya I've have no, ya I literally just got it two days ago but it does has not died down yet but yeah yeah, ya and the combination of ingredients is what really gets me like you know the cheese Tofu and sometimes I add in my own nuggets like totally don't need it but just do it anyway


yeah and what what's your comfort food though


which one, is it Ajisen ramen !huh! I thought you liked it


the onsen egg !eww! no I don't like that not the ah, oh wait is it halal


because ya I'm going to eat there like next tuesday is it good, okay wait oh wait what's the place again


wait what what's the name of the place again, okay


I am clearly (ppc), ya wait uh is it how's the portion like


oh shit really, is it expensive though I'm going to go there next tuesday literally


!eww!, so you would say the portion there is not enough lah, oh no then it's enough oh !wow!


I mean I don't really like the egg so, let's just see, it's the Ichikokudo, ya Hokkaido ramen is it K interesting


oh, actually ya, oh yeah actually in poly it's only when I tried all the new and ya new food lah like sushi


so I when I go I don't really eat the raw fish and all I don't like that at all ya I eat, I eat normally the Tofu skin then inside is rice there's the egg mayo one that is actually egg mayo is very nice I do not think you've tried it ya but uh the egg one what else the crab stick one ya it's very generic it's not like those funky kinds of fish yeah


!eww! where, yeah


yeah, I've heard about it ya ya (ppc) actually wait uh what was I gonna say the


where where you gonna eat sushi at cause at sushi express there's this cheesy abalone it's not really abalone it's like a fake thingy and it's really good the cheese on top is amazing, [orh] that's really ya I've never tried that but


I heard it's very overpriced though, anything with rice


ya I prefer cooking ya, baking


it's okay you can just send it to me next time I don't mind eating ya, I guess cheesecake is cheesecake sweet too, ya I guess so


baking it is really expensive ya, that time I bought for you the cream cheese when I was working at Bishan ya it was ya, but ya on the higher end ya what other stuff though brownies I like brownies ya


[orh] I don't think I've tried the, ya I've seen ya


ya, oh I don't like churro ya oh


part one finance, okay so so the question yup so


the question is do you have the habit of saving and how do you ensure that you meet your saving goals so for me uh before I actually started, working full-time I never used to save as much I used to spend a lot on really nonsensical items like uh like a pencil case from Shopee I used to spend on Shopee a lot because it used to be very cheap like each item


so like each item was like a dollar or like two dollars and you spend uh that amount of money, but ever since I started working full-time earlier this year, I would like to say that my saving habits have become a little more positive I stopped spending uh on items that I don't need and


as of now I save like at least sixty percent of my take home salary and it goes to my savings account and the rest of, the forty percent goes to my spending account to spend on things like phone bill or like food or transport


so let's say in a particular month I find myself saving extra money like I got extra amount of money in my bank I will actually save I will actually transfer that additional amount of money into my savings account so example like during lockdown


when I didn't had to go to the office and know I was having home food and didn't have to spend a lot more on transport I was actually able to save about ninety percent of my take home salary, and how I usually manage my savings account is I have two different bank accounts that I opened so


the reason why I open two bank accounts is so that I will not try to spend so much of money because whenever I see like oh I got a lot of money in my bank okay let's spend a a portion of it, so one of my one of my bank accounts is where my salary is being credited which is also my spending account so whenever I get my salary I will transfer


uh a portion of it to my savings account which is tagged to another bank account and, the reason why I open another bank account is because this other bank account is also offering higher interest rate per month and it would be better for me to


bring only like one debit card out when I'm out with my friends or like family to like prevent me from spending uh money from my savings account so I feel like it's good to separate your savings and spending account, so yeah like do you also have like separate accounts for your saving and spending


ya actually that's also very true


ya ya you can continue already since you know it's interlinked


ya because like most banks if I'm not wrong they are like at zero point zero five like like I think DBS so I feel like one percent per annum is really uh, a big difference yeah significantly higher ya


ya actually that's true like before , you know when you're still working uh like part-time and you know you're still studying the savings, uh you can actually save a lot more than when you have when you have like responsibilities to like pay bills and especially on insurance because insurance is something that's is very important and it's yeah it you have to have insurance and at the same time it's actually not that cheap to have


insurance coverage and then when it goes to like uh bills like you know like house bills like utilities your uh phone bill it actually does eat up a lot of uh, like money that you know could have been like saved so yeah yeah


so okay maybe we shall move on to uh maybe my question so my question yup, okay so my next question would be do you think one should own a credit card so I just applied for a credit card through this website call Moneysmart so


they were offering like free airpod so you know why not and also since now I have like a stable income, I decided to apply for a credit card because uh it was a cashback, credit card so whenever you spend using your credit card you can


earn cashback so let's say I spend like thirty dollars maybe my cashback will be like fifty or forty cents so you know like I feel that these kind of cashbacks or like reward system is actually quite helpful but of course there's definitely like pros and cons when you own a credit card


so maybe I can share a little bit of like uh the pros and cons that I research on before I applied for a credit card, so for the pros let's say you have a lot of expenses to pay and know uh maybe out shopping and you don't have that much of money in your bank yet because maybe your salary has yet to be credited you can actually use your credit card uh to pay for it first so it's more like the bank allows you to borrow


that cash that you need, and uh there are also a lot of banks that provide , they provide cashback rewards when you pay using your credit card like what I mentioned which is also what I got, and it allows you to save like a few cents per transaction which is very useful in the long term run so these rewards system such as points or even uh frequent flyer programs they allow you to redeem like free items or even


I think I heard from my friend that they actually offer like free staycation sometimes like based on the amount of points that you have and, every credit card they have like a maximum credit limit so that it's basically like the maximum amount of money you you can borrow from the bank which uh allows you to


control how much you borrow from the bank because like for the cons I would say that, if you don't have a maximum credit limit you would actually be in debt because you'll be owing the bank a lot of money and if you don't have the money to pay you would you know the interest to pay the bank is actually very high and you know if you can't pay on time then there is the late payment fee


so I feel like, okay for cons I would maybe add on to it that, you know since the money is not directly deducted from your debit account so your bank account directly, having a credit card actually it does encourage impulsive buys or like buying items that you don't really need because you don't feel that that little pinch that oh my money is actually gone at that point of time usually comes at the end of the month


and if you miss like a credit card payment the interest rate of the amount to be paid can actually be really very high and there's also a late uh payment fee imposed on top of the interest rate that you need to pay extra and


for credit cards there's also an annual fee that you need to pay and it actually ranges from hundred and fifty dollars to about I think the premium ones are about five hundred dollars per year that you have to pay which is a lot of money


and these kind of charges would actually increase over the years and I think one should get a credit card that gives you like the best rewards or cashbacks with like a lower annual fee or a lower amount of money you would need to spend to qualify for a fee waiver


and improving spending habits and paying bills on time is something that you know everyone should do to prevent them from spending the extra money on like late payments


yeah, ya but actually for credit cards sorry for you know for credit cards right you actually there's actually a lot of requirements that is needed


so you would you there you will need to I think the annual salary needs to be thirty K so you need to be you need to be working to apply for a credit card you need to like if I'm


ya okay, so you need to actually be working and need to inform cause I think they it uses your singpass, when you apply for credit cards so you need to uh it it will show your CPF contribution cause when I apply for credit card they were asking for like my CPF contribution who's my employer what's my uh monthly salary


so I they are really very strict on uh credit cards for sure and I think need to be I think need eighteen or twenty one to apply for credit card I'm not too sure of that, ya


yup, oh it's similar to like Google pay right where you can get cashback as well


okay okay okay


okay, okay that's every ya it's you have to like control when it comes to spending money on like luxury items when you start working cause it gets very tempting to be you know oh I have the money okay why not spend on this thing that I wanted few years ago


it can yeah okay , ya okay done yeah


yeah ya that is true but let's, but I mean it's true lah I mean because to me it's like you know the the you can only like withdraw at a certain age but let's be honest look at the life expectancy in Singapore you know it's it's way lower than uh


the age that they actually kept for us to like uh withdraw the money, ya


ya, ya


ya I actually agree because I think for medisave , they don't want you to like spend uh everything out from your medisave because you know you might need it in the future as well and also I I have to agree that, you know the extra eighteen percent that we get from employers uh that goes into like uh know it's it's being split right into like the accounts


the ordinary account that is using for housing right is actually very important cause I have few friends who are actually trying to get BTOs and you know they actually check how much money you have in your ordinary account for your housing and they really look at how much money you have in your CPF


okay so I think that almost concludes our for the finance part


yup okay maybe we can talk about, CPF, oh ya okay so you know for CPF right actually if you are working part-time you uh I the


so if you earn less than like five hundred dollars right you don't have to contribute to CPF for like yourself but employers will still have to contribute for you like a certain amount for your CPF, okay thank you


part three negative experience, okay do you want to share yours first


ya ya it is it's one of the the key foods in Singapore


oh yeah ya they are actually like tied up using the the red strings, ya no for oysters so


no ah seafood buffet yes but you know I was eating things like fish so I'm okay with fish , but also depends on like what kind of fish is it I don't like #ikan bilis# like that's something that because you know I can still see the eye of that fish so


I only eat like fish I think uh my friends tried to make me eat other, seafood which I didn't I wasn't a fan of like things like oyster cause they're so slimy to me no I didn't I I couldn't I couldn't eat so I think I was the one that spent the least because okay it it is a seafood


buffet but there's also other things like uh chicken or you know there's I mean that is only thing that I would eat lah and then there's also cheese Tofu so I was eating I was eating like their very simple food rather than something that you know, where you ya


ya, ya I mean you wouldn't, ya you know that some people actually do eat like the fish eye and I was like !wow!


I would never never like be able to eat like the fish eye I don't know why do people do that but, but ya okay so I think maybe to add on


some of the popular foods that I don't like you know like even things like #bak kut teh#, I don't know it's just something okay so okay maybe you can why okay why #bak kut teh# why I'm like why I don't like is what I think cause the ingredients


it's the the pork rib kind of soup right I I don't like, I don't like the bone part of it because I'm I usually don't eat meat that has like the bone yeah and you know it was really difficult for me to eat like chicken wing with like the bone there when I was younger you see ya so I mean that was when I was younger but now it's slightly different


ya, is it very it's a very herbal, oh oh you eat that with Youtiao


oh when we were younger that kind is it


oh ya ya ya


you mean like, uh [orh] I'm I'm actually a very picky person so I don't like a lot of things I only stick to like certain cuisine like, I like very simple food it's something that's you know not so crazy


ya okay okay uh then maybe we just move on to like the next question


so it will be what do you often worry about so I think during the pandemic a lot of people you know they lost their job so, something that I would worry about would be job security, because you know there's so much of uncertainty I have friends who like lost their jobs and they're just like fresh graduates and they've only been in the company yeah for like less than six months or maybe a year


and then they were like asked to to leave the company, sorry but I don't know as of now they are like saying that you know if anything that happens it's always like the the senior ones who will like take a pay cut or you know they will do like a mini restructuring to like save costs


yup so, I think that's something that know what what do you like worry about often


so it's more like ya oh so it's like trying to cope


ya but I mean going through such thing it's not so easy it is very scary because you won't know mean you're going to be asleep the entire time time anyways, ya ya so like the pain only kicks in later


K maybe another thing that you know, we would worry about is like what other people think about you


!wow! that's actually how how do you not like maybe if you can like share tips like what how do you how how did you like


get yourself in that mindset


so it's more like that you do whatever that makes you feel happy regardless of what other people have to say, okay so what else


ya let me just look through see what else we can talk about uh maybe, okay maybe I can describe a time when like we ended our friendship with someone blah blah blah okay so for me over the past few years you know when I was younger I used to have like a big group of friends


uh okay so when I was younger uh I had when I had had when I was younger I had like a big group of friends that over the years you know that friend circle will definitely be smaller so so there are times where you know you need to really see which friends are good for you and like who are not


because people do change over the years and some of them they are like oh okay they actually have like a positive impact on your life and some they don't so you know sometimes it's really hard to you know you are still talking to that person as a friend but you know that the person is not, you know that healthy for you and you have to like find ways to like tell them off or you know slowly fade off that kind of friendship so that is I want it's not the easiest thing to do cause you don't know like what to say you don't know how that person will react


oh what what was your question again like negative, in a restaurant


I mean we I would uh okay okay maybe maybe you can share first maybe in the meantime then I'll think about what I have to say


ya ya ya the like the leftovers


[orh] okay I actually I actually never experienced such things at, restaurants before but definitely at like hawker centres you know like those uh hawker centres when you like pick whatever that, you need to choose like the #zi char# stall


so you know that's like you know when you're eating and you know you suddenly see like a bug in your food, that's I don't know I wouldn't, ya I wouldn't, be able to like finish the meal in a way like you just lose your appetite that's me with like eating


ginger I have very bad experiences with ginger I just don't like to bite on to something that or like you know see, something you know I don't like


oh you had like a similar experience


ya , okay maybe, uh maybe my experience in like restaurants let me just


I think would be uh then it will probably be like at places where they sell like seafood, you know you know like seafood because you know there's like a lot of sand in the seafood like cockles I mean you wouldn't want to eat food that is sandy


ya which but I don't know how the seafood work anyway and it just it wasn't just a good experience for me because it's I don't like it


okay, I just feel like I don't know I wouldn't eat this kind of foods that it it it's very uncomfortable to eat seafood for me


ya and how how they react to it


[orh] like for your part-time jobs right


ya ya and correct, oh yeah I actually had such experience when I was working at like uh


tourism industry they actually do take note of it cause whenever we work we have always wear our badges so they would like see like you might not be directly, uh affected in like a certain situation where if they see that you didn't do anything about it they will actually just I don't know in a way like Sabo you


you know yeah and it's always the no offence I mean it's always like the singaporeans that's you know always so sensitive about things but when it comes to like especially in the tourism industry I'm just only talking about then like they are more


the foreigners are more chill let let's say if you don't know if you don't know like what a certain item is about they will oh no no worries about it, but if it's singaporean they are like oh why do you not your work you know, and then they'll send in a complaint


yeah


ya, demanding I would say like they want, ya I think as long as you are in like a customer service industry you are actually bound to have such people


so like what's what's like one of like you if if you don't mind sharing like what's the worst experience that you had while working part-time like have you ever had like customers like scolding you or like shouting at you


oh oh scolding each other ya oh the exit and


ya oh


oh my god, ya


ya like especially for me cause I was working in the tourism place right and you know at this certain place you are not allowed to eat inside and it always so tough to you know tell them like oh sorry no eating at this place because they are like they actually do shout back and be like oh what if I faint here what are you going to do are you going to be like responsible you know sometimes it's so hard to manage


like they'll be like shouting at you but at the same time you know it the rules are the rules eventually, ya that's exactly yup


part two positive experiences, K do you want to start first


ya it's actually pretty nice and very savoury


yeah that's true Milo is the best actually, (uh huh) so which one do you prefer which one do you prefer so what's the difference what's the difference actually for you


oh so maybe I ask you one question do you prefer like hot Milo or like cold Milo which is your preference


ya, yeah it's crazy humid okay, so maybe my favourite childhood snack, mine K do you know the the biscuit that has the the colourful icing on top I don't know what's it called yeah the little gem on top I think that is actually my favourite childhood snack like


I would get my parents to like buy that for me cause we used to go to like the Mama shop downstairs it was very near my primary school and we used to get like probably, half KG of those or like maybe three hundred grams it's actually a lot so we used to like yeah I used to have


that or like chocolate waffles I love waffles like the ones at like the bakeries with like Kaya, it's actually a good snack like a good warm snack to have and it's


ya cheat day you know it's fine to have waffles ya it's it's really nice like I would actually I think I had, I have had like waffles before working out and it's like good source of sugar that you need before working out so that's actually


ya but a banana is a little too healthy for you know you know if you want like something more sweet then ya the waffles would actually suffice other than that, yeah you can continue


oh the old school sandwich oh yes


oh my god, oh for me, I think my last that I had was when I was back in office because there used to be an uncle there near Amoi Amoi food centre so he's always there and you know queue is always so long and everyone just especially on a hot day everyone just wants to have like an ice-cream you know


it just uh it's so good but I remember like remember we were younger when our families used to meet at like ECP and we used to we used to like stop by cause the uncle was always at ECP but I don't think he's there anymore


ya maybe, but it's like so nice to have such like snacks that you know it's still around after so long


oh should do okay so he not bad yup okay, ya the one at east point I remember


oh but snacks though Old Chang Kee and it's it's it's not like a childhood favourite but you know Old Chang Kee is the best snack to have like you know if you're rushing out and you just need your breakfast or you know maybe you're hungry when you're back home before dinner


ya cause like saving money as well you know ya for me it's last time I'll be like okay now let me just I will just tahan a bit more and I'll just go home and have dinner but now it's like oh it's already there and it's like maybe like two dollars I don't can't remember the the curry


chicken curry puff that's that's one of my favourite what's your favourite from Old Chang Kee I think it's the chicken right chicken with cheese , and even their nuggets are so good like I can never get that kind of consistency and like the crispiness


when I do it at home oh oh ya Mcdonald's is uh Mcdonald's breakfast


oh ya oh but speaking of like food trucks right do you remember like in primary school whenever we had what's that sports day, know we used to have like a Milo truck oh my god and it used to taste I exactly it used to I think cause it's like so hot and then you know if you are participating or even if you are in the in the uh


in the crowd right it's it tastes way nicer than the packet Milo for some reason, !wah! I never had that in secondary school I only remember like primary school sports day cause I think for my secondary school we had like seven uh hundred plus


ya we actually moved from like Milo to hundred plus, oh ya ya ya that's true


okay maybe yup, the comfort food


yeah, ya


[orh] ya I, I actually don't take spice so for me you know whenever I tell my friends that you know oh I don't actually eat mcspicy they are like oh my god you are missing out so much from mcspicy from Mcdonald's it's actually so good


the the ya the least oh my god is that the medium one oh okay so like


so like what's your favourite ingredients that you put in your Mala I love cheese Tofu cheese Tofu is a must that's a must for Mala


okay, I like the ya Udon with cheese I think like a cheese


or or is it I don't I just remember something that like I don't really like fishball I think I will prefer like cheese Tofu cause to me cheese Tofu is like fishball but has cheese cheese in it and I like the other the beancurd strips you know the beancurd strips that's actually very nice I would


I'll rather have that than having noodles, ya , I don't know some I would or uh I'm someone who prefers like Mala like the ingredients but eat with rice and I need and that's that's my first time trying so oh my god let me just share an experience that I had like


my first Mala with my friends so I think it was after exam so me and my uni friends three of uh four of us , we went to have lunch to celebrate so uh I was I was I didn't know what I didn't know what to eat because my usual go-to like my comfort food is actually anything that's like korean jap or uh western and I didn't know what to eat because the queues were so long and Mala was like you know the queue wasn't long at all


so I asked my friend like oh how do you order Mala this was like last year said oh you just choose your ingredients and you know they will cook it for you just tell them what spiciness level you want blah blah blah so okay sure, yes similar to #yong tau foo# but I didn't know at that point of time cause I think Mala was still very new and


ya so okay so I was just taking my ingredients and you know as much as I mean that I thought that I would eat you know that much, and my friend just went why are you taking so little they're going to charge you like uh they're not going to I think she said something like they're not going to charge you so much for it though but I but I didn't know the pricing cause I didn't know they're actually going to weigh it


and it's not like you know like based on ingredients cause you know #yong tau foo# is based on ingredients right you can take it as much as you want, right so ya so I so I thought like #yong tau foo# and Mala is going to be similar so okay fine I started taking more so you won't believe it Mala for one person came up to like twenty five dollars


it's crazy and and it was just for me and you know the bowl is huge and you know, I don't know what spiciness level she took for me but it was so spicy and I couldn't even finish my meal


no cause it was only me and because my other friends I mean we did share it eventually cause they like Mala I'm just like, you did not just made me spend like twenty five dollars on Mala that's so spicy I have to tell you uh my friends ah


I think I took a lot because I think for me the first time, I don't even know I think I took more of like the chicken and everything it it was the Mala that it it was the Mala that you eat with rice and also because it was at like uh food junction at plaza sing you know those kind of like really expensive food courts


exactly and ya that's that was my first Mala experience after that you know it's I don't know


oh the soupy Mala nah I feel like Mala is just a craze now and it will dial down eventually, for you ya cause you like spicy food ya


ya, ya you save a little bit on that also , mine actually I have I okay I don't like anything spicy but there's this certain