hi your, yeah it's a bit soft


yeah you can start , yeah no no


yeah


so I'm using the seedly app to track my finances so like I will key in like every expense, so like you can actually like put in like whichever category it it is so they will help you like uh tabulate like it will be uh on a chart, chart ya so like every month I can see like how much I spend on food and transport


so I guess like it's, quite helpful for me lah to be able to see , how much I spend on food every month and whether I should like reduce the amount, ya instead of like like you key in on your notepad right but you have to like manually count and like tabulate how much you spend in total


is it ya so like I think this app really helps lah like you want to give it a try , , yeah seedly app, yeah you have


to key in like everything you spend on, as in ya I know that is troublesome lah but I yeah, I think it takes a while to like build the habit but


yeah sometimes I forgot to, key in lah


because I don't have to like, manually count ya I hate counting like tabulating


uh I will set aside like amount to, uh pay off my loans lah I have to pay for my uni loan so yeah I will set aside money for that and, also uh set up my side set aside some money to give to my parents and also my church yeah so the rest of the money I'm


I will try to budget it lah so to see like how much I can spend on like food or transport every month and how much I should save


, I think I try to set like uh, flexible amount like, it doesn't have to be too strict so like I can still have some space for myself to, like, spend on things that I like


so like don't be too overly strict on yourself lah since like, is your hard earned money so you should spend on things that make you happy right yeah, ya


uh I don't have, uh insurance savings plan yet because, I just started working but I plan to in the future when I'm more financially stable so now I the insurance I have is only like


uh the more essential ones like, life insurance ya hospitalisation ya the basic ones for a start because it's something that I can cope with for now yeah,


uh I think one is, by CPF and then another one is, I just pay an amount every year so I prefer to pay yearly rather than monthly because like it's actually more , it's actually cheaper if you pay one shot in a year compared to every month


ya so do you have any like, savings plan or, !wow! that is


yeah yeah


nice, I think I'll be kind of like, unsure whether I can commit to such a long


, it ya I will have some concerns lah like what if I suddenly need, some urgent money , yeah yeah


yeah that's why, but I also agree that like you should , like sign up for savings plan and invest in your money now because like, rather than just letting the money uh sit in your bank like I think it's wiser to


uh multiply the money and invest it now when we don't really need it a lot yet, yeah yeah right have to plan for that


yeah , okay I should start thinking about it, after I work a few more months, yeah yeah


why, I think there's good and bad so, yeah but, are you buying from your friend or a stranger, oh oh I see


yeah I'm really bad at all these details , yeah


uh no as in when I say invest I mean like signing up for saving plans I think that will multiply, your money or like , I know that my friends put their money in like singapore savings bond, but yeah they so they earn, like it's a small percentage lah but it


it's like low risk yeah , uh I think it's quite low but it's higher than bank interest so, it's better, and you can it's flexible so you can like take out the money anytime


am so, ya so that's the advantage and it's also very low risk, yeah so it's like normal interest like it runs yeah every month so if


yeah I think the longer you put in the more interest you will earn, yeah yeah


have you thought of like signing up for credit cards or you already have, credit card actually, I don't really know much also but I know that some credit cards


is mainly the cashback that you get lah, so you save money yeah, but I think it also like, you have to choose one with no minimum spending otherwise like, you you will feel like you have to hit that amount so it encourages to you to spend more instead


yeah, so always think that like credit card is actually, a marketing, tactic like is to encourage you to spend more even though you get more rebates for like, buy starbucks or like, all the popular retail


yeah but, even though you save but it still encourages you to spend more , , ya by patronising them, yeah, sorry the what amount yeah I think sometimes it's five hundred


I think there's different tiers, yeah, so yeah it's a lot, only if you know you confirm spend that much every month then you sign, up yeah yeah


so I think for now I'm just using like, the grabpay card do you have the grab, because like you can accumulate you accumulate points and then you can, like, redeem the rewards, yeah so it's like


uh the grabpay card is, like a mastercard, that you apply for like you get a physical like, mastercard, so yeah besides, you can like, just uh you can do online shopping using that also because it's a, mastercard, so the advantage is that like you accumulate points on grab and then you can redeem uh rewards like


for example a five dollar sephora voucher, yeah yeah, I think any shop


that uh accepts mastercard you can use the grabpay card, so it's just a normal mastercard, to me yeah, but the advantage is, that the points lah and like, if you take grab rides also you can have


the points, so like is more options to accumulate the points, yeah but yeah, is uh actually the rewards are getting less attractive because like, yeah is


I think grab is earning more, like uh trying to earn more money, so in in the beginning it was more attractive lah the rewards but now is less attractive, it's harder to get points, yeah oh like


uh there's different kind so, like, just now I mentioned the sephora voucher, like five dollar off like sephora voucher yeah uh I think


is more of using the mastercard like you will use the mastercard like if you online shop, yeah, even if you eat outside also you can use, the mastercard yeah, yeah


like rather than using a normal mastercard you can use that, yeah the benefits of it


yeah definitely like when I was a, student I just like, spend whatever I want because, you get pocket money every week so you just have to make sure you don't overspend your pocket money and like when I was in school I also walk and then all the money I spend I earned from working like I


just spend it, on myself and shopping I don't have to think so much about the future compared to now like I have to manage my own money and I don't get any more money from my parents, yeah yeah


ya and, I think, I won't really think about like saving for the future yet because like I'm still a student yeah, yeah it's quite yeah like


it's just part of adulting and this whole like financial planning is very new , yeah , yeah, right


yeah so I actually BTO already so I've been thinking about that yeah so actually you can take a bank loan, something like a CPF loan or something, so you don't have to like pay off the whole amount when you get your house


you can get a loan, ya the down payment is, quite affordable yeah, and you pay using your CPF so, doesn't really hurt your


finance yeah yeah, yeah my house is very expensive


so it actually like six hundred k, , uh it's at #boon keng# so it's like quite central, yeah it's just beside the MRT right


no like I tried like three times, yeah, it's okay you can save money, first right


so I think it's like a trade off like whether you spend the money on travelling or in say for the future I think is, a question that you have to grapple with, it's a hard decision lah


no not yet , so you have two accounts for different spending


yeah so do you like GIRO your pay in or how does it work to like separate the two money like the money, right yeah I think that is quite


it's a good method to force yourself to save,


yeah that's why, it's in the middle of the year yeah in the middle, no I think I


start out with a less expensive one first, since I just started working so, it's like less than hundred a month I mean a year yeah, uh mine is great eastern, like


the life insurance, yeah , it's like a, health


with a critical illness, then because like my family has like, history of like stroke so like is to protect myself, ya in case I get, stroke next time like my family members yeah ,


okay so, first question, what was your most embarrassing moment, yeah


right,


oh no,


oh yeah yeah yeah right right oh yeah right yeah


oh, oh no , so he didn't say anything after you said that


right


(mmhmm), K so for me is like, during this serious meeting in church like, so everyone was rest like


silent and then like, I suddenly jump, because like, I thought I saw an insect like a huge insect, but like actually it's just like some, ball of string that's like flying around,


so like I think those who saw it they were like trying to hold back their laughter and like everyone was like try to pretend nothing happen and I was like also trying, to pretend that like nothing happen lah but because it was like a serious setting but it was like like everyone knew what happen


yeah but we have to ignore it so it was really embarrassing, , yeah I think some people saw it, and then it's embarrassing because like it's just a ball of string right but I thought, it's like a huge insect


cause I really scared of insects, oh yeah yeah , right sorry uh any flying insects or like cockroaches yeah


yeah it's the worse,


!eww! there is like always cockroaches


flying around my house so I'll be running around , yeah I'll get my parents to get rid of it yeah oh yeah yeah oh no


oh no that's traumatising, yeah sure


K I think I will just share like, like, not doing well for A levels, like I really felt like a failure, and I think I did the worst compared, to like all my peers yeah so I just


kind of know that I couldn't get in anywhere like all the uni and courses that I wanted so like it was like, dreams just like crash, yeah and I think is like, the first time I experience like


academic failure so, yeah cause I did okay for like, PSLE and O levels yeah, so I think that was, a really sad moment for me, yeah yeah yeah right yes it's very stress


yeah so I actually like, I so called like, am forced to take a gap year so I try to apply like wait for one more year and apply so, it's a yeah luckily I got in to NTU yeah uh I wanted sociology but


uh english was like one of my top few choices as well, yeah


oh


, , oh


, oh on that day,


oh oh no,


yeah


oh no , , yeah


!wow! very sudden


, , , yeah


K so for me is , when, like I choke on fishbone when I was like four years old, so like I can still remember it because it's like, traumatic to me , so I remember like I was eating fish porridge like my grandma was feeding feeding me


and then like I suddenly like just choke, on the fishbone then I vomited, blood like a lot of blood, yeah so I had to go to the hospital, to like remove the fishbone, so I remember I was only, sorry


yeah I was only like around four years old, and then I remember like we had to wait super long for the doctor because yeah the waiting time was very long and then, like I think the doctor just like pull out the fishbone I'm not


sure if it's considered emergency because it's, like it literally took very long, to attend to me and , they just like, pull out the fishbone from my throat using some tool, so it was painful lah when


he did that yeah, so I I was really scared , for like a four year old like I suddenly just like, vomit blood , yeah and it was painful yeah, yeah


!eww! was a long quite a long one, and yeah, so like now I'm very careful when I eat anything with bones , yeah


yeah I remember, quite clearly, oh, I think I can still breathe yeah


yeah , yeah so like, think they couldn't really do anything as well they can they only can wait for me lah like wait with me


yeah yeah oh oh oh oh


oh, twelve AM like another or you want to continue first oh I think


uh what I experience is, like sleep paralysis like have you heard of it like, I always experience it when I'm tired very tired so, like, some people say it's like a spiritual warfare but, like in science is call like sleep paralysis yeah like it's like


your mind is awake but you can't move your body so I will like panic and struggle lah because, like I want to get out of my bed but I cannot my limbs so it's, traumatic like I scared I cannot ever wake up again , yeah


yeah I can see like what's going, on yeah, I think I can even like see what's, outside my room which is quite, scary like my spirit like just move around


but I cannot move my, body so it's very scary yeah, no but I just feel like, I'm the ghost so I scared I cannot wake up like maybe I'm dead lah something yeah


cause I can see everything around me, yeah, yeah I will try to move my body very hard but I can't yeah, yeah so it's very scary


I think is like from my perspective, but like I can kind of like, fly around and like see other so


yeah, , sometimes when I'm really tired, yeah, so who is, yeah but


there's really nothing I can do to like prevent myself , from having that again but usually like after I wait a while then like I will be able to wake up lah, hopefully I can wake up again the next time


yeah but like, what happens if I don't wake up , I will have that thought lah , that's why , yeah no yeah I don't think so


I I've never heard them talked about it, yeah but, since it's like a scientific thing so maybe like other people will have experience, it since yeah


(ppl) yup, right, sorry


hello yeah, yes I'm looking at it now, yes yeah maybe you can start do I share mine okay so


the most recent one would be when I watch a play, it's called Chinglish so it's about like, the language that is lost in uh translation, like, the the english language and mandarin, so I think is


quite, funny lah when I watch this, uh play it's by pangdemonium so like they offer like free plays during the circuit breaker, like once a week yeah so, uh it's a pity that is like they don't show any more free plays now


yeah so like I remember there's this line where like, the chinese lady, like, because she has to communicate with like, the uh like, american so like she is trying to speak english but


her english is not very good, so when she was trying to say like, I'm tired she end up saying like, uh I'm sleeping with you, so it's like all these like funny , yeah it's meant to like uh


mock and critic all these language that is lost in translation yeah I think you'll be interested in, this so called linguistics related , show yeah but, it's just the chinese part which you may not understand


yeah yeah yeah


right, no,


yeah yeah


yeah yeah yeah, oh no yeah it's quite, yeah


yeah it's very, funny understandably, yeah so, the describe a fond memory you shared with your loved ones, that that ya yeah


yeah oh


mine is mostly more recent memories because, yeah that's what I can remember , so is uh cooking together like with my siblings for father's day, yeah so yeah, me and my two siblings like we cook, a few chinese dishes lah


for like, yeah prepare dinner, for my family, and so like we seldom cook so it's a lot of effort like when we went to giant to buy the ingredients we were kind of lost as well like, not very sure how like where to get the ingredients


yeah , so it was like oh so I think simple chinese dishes, like, vegetable and, like, some beef, yeah fried beef and also


fish yeah, and we also cook like ABC soup, it's like the typical chinese dishes, uh actually I don't know but , , there's like the the potato and the


uh yeah, pork rib yeah, carrot and, uh corn I think that's all yeah sorry yeah I think it is a success


because we choose the simple dishes , right oh sorry yeah, , yeah he was yeah it's


the first time we did that, yeah cause I think we seldom have, like home cooked food because both my both my parents work yeah so it's something rare, yeah yup


, can't really remember like which one is the, happiest happiest but, like I think I'm generally


like happy when like, people take the effort to like, do something sweet for me, like, surprise me for my birthday yeah so like there was once like, my friend, friends from uni they came to my house, to surprise me at midnight


with a cake like for my birthday, so I was really touched because like I didn't expect them to like travel all the way to my house and I stay in pasir ris, so it's yeah, and it's really late at night like twelve midnight, late


so I was really touched, yup, I think it was a few years ago during my uni days yeah I think yeah how about you


, right


right yeah


so for me it's really idealistic like, to be able to like, wake up in switzerland with like a nice view every morning , yeah , because like I've been to switzerland so I


that's why I think of this lah yeah so like, there's like the alps in the background so you don't have to go to any scenic area, to like, yeah everywhere is really like a painting yeah and there's like fresh air and


like I think my perfect day would be to like wake up there and just travel, and to do anything I want and, like to just take it slow and like, stop by at the cafe yeah and like whatever, cravings I have like I just like satisfy my cravings yeah I think like a


slow and chill day would be a, perfect day in like a beautiful country yeah, yeah like even if you walk


around in the city you can see like the mountains in the background and it's really beautiful yeah so like any photos you take are nice lah


yeah I think I, can say so I would want to go back there because previously when I went there it was, in the city area so I hope to go to the, more countryside, to be able to see more, scenery, yeah like the view will be nicer


yeah, yeah I've been there when I was like on exchange travelling around but, because it's very expensive so it was only for a few days,


oh uh I I mean switzerland, yeah yeah, yeah I've never been to new zealand I went to switzerland yeah


yeah yeah, sorry can't really hear properly , eh yeah yeah yeah but it's okay, yeah


, yeah


yeah


yeah, yeah I've been there so yeah it's a really nice place it's quite


high up, , but you can't see much at night, right


you can go soon , oh , yup, what was the proudest moment


why , I don't really have much, it's just graduation but, it's not I don't really feel proud at it during graduation ,


yeah so another one was, uh like cause I was, , in girl guides CCA in secondary school, so like we, participated in like the NDP like national day parade


so I think that's that was when I felt quite, proud to be able to like perform during national day and like to be in the marching contingent, because like I think we train for many months and we, put in a lot of hard work and then


I guess like on, the on the day of like national day parade I really felt, quite, proud to be able to like so called, represent singapore yeah I think it's just the whole atmosphere that made me feel it yeah


yeah, that's all , oh oh, right ,


so you wanted to join also, yeah, I think for secondary school student it's, a proud thing lah yeah


is an achievement, eh for many months I think since like, near the beginning of the year cause like NDP is in august right, so I think like, around feb or march we started training so I remember is like every saturday we have to


train for the whole day, and just march under the sun, and everything, and then they will always buy like KFC for us because it's, sponsored , yeah


I think almost every week is some fast food or like some bento set, right eh yeah


yeah you get to mix with, others,


oh is two O O nine ah, when I was in secondary school, yeah, it was at the marina, area the marina bay no it's not I think it's second or third yeah


very late , I think around nine, think it end yeah so


I'll go to bishan and then take a bus straight bus back, home yeah, cause it's very far away, yeah


, yeah, , why


okay , yeah, yup the last girl


I think I remember like eating at this , expensive like, dessert shop in japan and it was like, the nicest cake ever it's I think it's quite hard to describe it's, I think it's just like a normal sponge cake


but is just taste out of the world and like, , eat it with like tea and is already good combination, yeah right and there's yeah there's always the expensive one


which is really worth it they're really good, yeah, yeah oh, yeah


tried before as well,


oh, oh right right yeah Wagyu yeah


!woo!, yes japan food oh, yes


I went during winter as well, so I tried like hot spring yeah winter


okay okay can, okay oh okay


okay, hi sherine uh you can hear me now okay, a bit soft ah okay I will just uh speak up, okay uh should we start from the first okay what are some ways that you take to manage your own personal finances uh


err, do you want me to start first or you start first, uh okay maybe like the most basic thing I did was to download an app, uh, uh it's called fortune city have you heard of it before, oh is it okay are you using it now


oh okay cause I uh yeah I once use it to like key in all my spendings lah like daily you know, but, but after some time, I I feel like it's too troublesome to like keep on like keying in each and every uh spending ah


so now I stopped using that so I just use like the normal like the notes app in my in my handphone, and just like key in uh manually ah, yeah so how about you like uh do you like how


do you like uh have a budget, or like a app an app, uh yeah, ah


ah, oh, ah ah


uh ya true, ah, oh so is it like the fortune city also like like you key in each and every like, thing that you spend on


oh, uh yeah so after like you spend that amount you will like straightaway go into the app is it, oh !wow! okay


yeah yeah that's why, so that's why I just use the notes app ah to manually key in then I like set an amount, like for transport is this amount for uh saving is this amount for


uh food lunch it another amount yeah, so for you uh using an app is better lah is it, ah true, uh yeah , ah okay so uh how do you like manage your uh savings


like do do you have like, uh an amount you set in let it, during payday or like after you spend everything then you save


uh yeah, ah, ah


ah okay, so have you like uh like spend over then you must like take from your savings cause I always like that always happen to me


yeah , ah ah ah


, oh, yeah true so you have like an allowance ah like how to say like there's an amount you must save then you give a little bit of allowance lah like that is it


ah okay, then do you have like insurance plans to help you save or like, yeah insurance lah , yeah,


, , ah, ah, oh yeah hospital one ah


(uh huh) ah, so your medical what medical insurance ah hospitalisation insurance uh is it using medisave or like you need to top up with cash with money also


oh every year,


ya true cause ya same same for me I also play pay annually ah, cause I was like calculating right like maybe hundred thirty per month then you times twelve is like more than the lump sum, when I pay annually yeah


this stack oh , uh yeah I did ah like recently like only this year I start ya I sign up for one uh is under prudential lah, I don't know whether I should ya okay


uh so , this is like a long term commitment, so it it it is for twenty five years yeah so yeah that's why that's why it was like so long they give uh three options uh what, uh ten years fifteen years eh wait no no no fifteen years twenty years twenty five years


so I was thinking uh if ten years eh no if fifteen years I'm only like uh forty one then I don't think yeah I don't think I need, money at that time like confirm I have like savings lah like in my bank account I hope so yeah then another twenty for twenty years that means uh forty forty six


then I'll be like uh my asset add another five more years, so when yeah when I'm fifty one I can get that like, that amount ah, like after the maturity period and yeah, yeah yes


(uh huh), alright I was like thinking about it, yeah, oh uh yeah cause my agent was telling me that, since uh, I don't know since my work now is like contract for a year right then maybe I shouldn't uh


uh, like pay the premium too high lah, so I just uh get the minimum amount then like after I have uh like permanent and fixed job, then I like, sign up another insurance contract lah


yeah instead of like now I like rush to buy a very expensive uh insurance plans then I cannot like afford like halfway then like yeah then if I terminate right then !wah! so sad lah I lose a lot of money yeah


yeah cause the I, yeah, ,


right true cause, cause in the like a few years later we maybe we'll start a family or like need to pay for I don't know HDB or other responsibilities then like our money will be like gone just like that yeah, right


yeah that's why and I think like it's good to start early also, yeah so you can get the money earlier also , yeah correct , yeah I think so yeah but I think you just talk to your talk to somebody who have uh insurance plans first or like talk to somebody a friend who is an agent or something lah


yeah but eh but then my friend say right uh don't buy insurance uh insurance from your friend yeah must find another stranger , I don't know I don't know maybe like they will I don't know yeah, uh what else ah ah alright yeah


so depends ah, yeah, oh no it's like a, stranger like my friend uh get caught ah by this insurance agent then uh, she recommend to me, so strangers then become friend lah


but so it's okay lah still okay lah yeah yeah, ya that's why then I was like at first when my insurance agent like explain to me everything like I was like what why so many things like what can I even like keep up, right oh my god then I scared also lah ya where like if I cannot pay how yeah


then uh oh ya just now you were saying uh invest your money now right invest your savings now, then do you have like investments or what, ah ah ah oh ya


ah true I heard about that also, (uh huh), how much is the like interest it the the yeah the rates on return rate, oh okay okay


oh is it oh, oh, but then after the whole period will the amount be like smaller, like in like if you


like compared to if you, never take out halfway, how to say ah ah (uh huh)


uh yeah true cause my yeah my saving plans also like I can withdraw lah halfway but then the the the amount the maturity amount I think is what it's called, uh will be lesser than if I never withdraw anything yeah


yeah that's why, credit card ah no , ah no eh, I heard like the benefits is quite good right is it the ah, oh do you have


ah ah oh, you have ah ah, ah yeah, that's why oh my god !wah!


oh, oh yeah makes sense ah, oh yeah I heard uh


right I heard the minimum amount is like one k plus is it, is it, the minimum amount to spend is like one k plus, oh, okay a lot eh K


(mmhmm) ah, yeah true I think for for us I think no lah, maybe after you start a family then, maybe you will need a credit card, lah right yeah ah


uh, oh okay how does that work (uh huh) ah oh okay


oh, , oh okay so the grabpay uh, card right is it for every shop or like certain merchants like they have certain merchants


oh okay, oh was uh, oh okay sounds good ok


, ah okay okay so you would, (uh huh) ah


oh oh okay, oh what kind of rewards uh oh , oh no what kind of rewards you get


ah ah !wow!, !woo! so you grab a lot is it


ah okay okay, so it's like normal uh, oh yeah cause I keep seeing the grabpay uh poster everywhere also, yeah oh, oh okay so do you uh


right like might as well right since it's like a normal one but with the added like grab, pay thing, ah yeah true, so do you think that you like, there's a difference between you like


how you manage your personal finances last time and now, spend right


, uh yeah right, true, right right


cause last time is like you know that you got like, allowance coming in so whatever you you earn you can just spend ah like enjoy yeah, right


the same yeah, !wah! after I work right I keep uh thinking about money, , like how to save right, yeah


I was thinking about how do I afford a HDB flats eh, like it's so expensive yeah I don't even have uh enough, CPF like I was calculating like how much I must put in every month, !wah! stress yeah oh okay okay oh ah


CPF loan, oh, but is the like, uh down payment is it is it called down payment, ah ah okay okay !wow!


every month CPF, yeah then you share with your like spouse right, yeah, so it's okay lah after that, I guess, but that's like the main thing that you must uh spend on right


!whoa! right, ah !huh! which area, oh, uh yeah no wonder


I thought like actually uh, ah okay no wonder it's so expensive you like try one time then you get is it, ah okay !wah!, K


I don't think I will be like BTOing anytime soon ah , , yeah save money right I still like thinking about like travelling all that, yeah yeah, ah


right, , so uh that's why, so my savings right I I have uh like separate bank account lah do you have like that kind of thing, cause I don't trust myself


ah , so you can uh, , yeah different purpose like one is just for savings cause I really don't trust myself to like , uh combine the savings and like my my normal account yeah


oh no no no I just, I just manually transfer my savings to my savings account ah, yeah


yeah that's why cause I really don't trust myself yeah then some more got this uh insurance savings plan so I must like think about it like, must, save a bit so that I can pay at the end of the year, yeah right


your one is uh you pay at the end of the year or like, I don't like when like in the middle, ah okay okay oh is it expensive


ah yours is under uh, ah okay okay ah yours is which one like which ah okay okay ah the basic one right ah


is it like uh how to say, reimbursement plan or health plan, ah ah ah okay


[ah] touch wood (ppl) [ah] okay okay [ah], yeah cause I was talking to my (uh) insurance agent also last time I got A_I_A (uh) health plan but then the (uh) that's (uh) a reimbursement yeah okay


okay, , okay yeah , okay


do you want to start first, okay you ask me ah ah , okay uh shall I answer first uh okay I think this one very short lah, !wah! I got two actually okay never mind I say the another one uh that time I applied for


for a criminology course degree yeah , but then I was like super unprepared I I didn't even want to go that uh that course but I don't know why but I just tried so during the interview, I was like there were like many like super good students like they they have experience and they have like those sponsorship from the police all that


so I was like a nobody there then once the interviewer uh ask the first question I was like okay regret I want to get out of here like as soon as possible but !wah! this uh the interview I think will be like one hour at least one hour or something I was like oh no I regret


uh yeah so there was one question that was like super, quite embarrassing uh the person say which which law I think which law do you think should be abolished I think, yeah, then then I said something so stupid I said uh


uh, the I said one law that should be abolished is the banning of chewing gum, then I was like oh no cringe I shouldn't yeah that's eh no no no like abolish like, should be removed, then I was like eh why I did I say that


like so embarrassing like out of so many things I said that cause I really was unprepared and and I know nothing about law you know, yeah, so I think everyone was like, what, why this person like said that then I see the the interviewer faces oh yeah the interviewer was like some uh caucasian men like I think from overseas then his face like changed ah like


what, are you serious yeah so I was like !wah! super embarrassed and like uh like really want to run out of that place ah , yeah then the uh he asked uh so why do you think that that law should be abolished and there's like I I say wrong the wrong thing you know


uh, but singapore don't don't ban chewing gum but ban the sales of chewing gum right or something like that, yeah then I was like , so embarrassing yeah then uh he asked why you think that should be that law should be abolished then I was like uh I was like I forgot what I said I said that there are other ways to to stop uh


like you know cause, uh they ban the sales of chewing gum cause uh some people stick it on the MRT door all that and and get stuck, right, so I said there are other ways to prevent that from happening and all that !wah! so embarrassing and you like !wah! I really want to dig a grave and just hide inside !wah! really embarrassing yeah


yeah yeah there's there the most embarrassing and like !ow!, I shouldn't have gone to that interview , yeah cause they were like very professional lah but I was like my face like super heaty and red already I was like !wah! then the others answer that same question then they were like !woo! I think uh immigration things about immigration ah then I was


like ah, no cringe yeah that was the worst yeah worst, day yeah okay yeah that's my experience !wah!, so how about you yeah,


, !huh! jump , oh okay , , oh no


oh, , uh yeah that's why, , ,


so you jump like really everyone can see like !woo!, ah okay , , , you never know right you never know you know


oh yeah I hate I hate insects also, what what which insect do you hate most, !eeyer! disgusting which insect insect do you hate most most, oh


yeah cockroaches is the worst flying cockroaches, gross, disgusting that time my friend curse me ah, she was talking uh I hope a cockroach will visit uh visit you tonight then really will come eh that cockroach come came to my bedroom at night !wah! you didn't think then I want to like


slap her face oh yeah, never curse anything about insects at me, uh yeah yeah !eeyer! disgusting, have you like uh had any like uh bad experience with insects like really disgusting like you cannot forget


ah, yeah do you dare to like like catch it or like spray the thing, uh uh yeah disgusting right, oh my god I remember that time uh


I was in this building like is those Kampung, those super old Kampung style building then I wanted to go toilet, yeah then, like I already how to say like I already sit on the toilet bowl oh my god so embarassed yeah I already sit on the toilet


then I saw this super big worm !wah! disgusting then I wanted to like !ow! !woo!, but I was like halfway halfway eh doing my thing then I was like oh faster !wah! I never go to that toilet again !wah! disgusting, yeah disgusting !wah! yeah that's why !wah! disgusting okay we can move on to the next question uh


what was the saddest moment of your life !alamak! suddenly saddest yeah okay if you want to skip uh some questions uh you let me know ah, yeah (ppc) ah okay ah oh ah ah ah ah oh


prelims ah, ah okay okay ah A levels is it ah A okay, yeah JC is quite a tough time right


like within that two years you must cram everything yeah that's why, which JC oh no no cannot ask uh okay, but you manage to go uni congrats, yeah ah ah


yeah !wow! !whoa! not bad not bad is this your uh your uni course was it your first choice, , ah okay okay that's good


yeah , ah okay so maybe I share my saddest moment, uh, maybe when my, uh my teacher my malay teacher passed away, yeah cause that time we kind of expected that she was not feeling well cause uh after a while she will go out just like suddenly go out of the classroom


to, I don't know lah like she cover her mouth or something or like cough cough cough then go out from the classroom, so we we always like without saying anything to us like suddenly just dash out of the classroom so we like expect like oh maybe she's sick yeah but it happens a lot of time mah so like oh no like yeah then after a while she stopped uh going to school then my my other


our other malay teacher like said that uh she's uh she's sick ah but we didn't know what kind of uh uh sickness she was facing so after sometime like, we didn't really hear anything about her then that time uh already O levels lah I I was graduating already so O levels uh one of the paper


uh one of the science paper I think and then uh, I wanted to go back home to revise before the other paper cause my house very near nearby mah my my school, yeah so I pass her pass by her like she was in the car like in the within the school lah


yeah she was waiting for my other teacher I think then I I I went to her and greet her lah just for a while like super short while then I saw her her face like !wah! really you can tell that she's uh unwell lah like yeah yeah


like her skin colour all that different like like deep my deep in my heart I know like !wah! like really something is, not uh, not good like really she's really sick, but, I was like in a rush to go home for some reason but even though I wasn't late or anything you know


like, I just like walk away like I didn't even like say anything to her like are you well how are you it's like I greet her then I just go off, then I was like the moment I walk away I like regret like something deep inside me like !wah! regret ah, then okay uh yeah after a while then uh


after grad uh O level and all that then during the day uh when I collect my, results then uh like for some reason I was at the the general office then like uh the the uh


the receptionist was was crying lah then for some reason I like know like eh maybe is something got to do with the teacher but I never ask you know I don't know why I never ask cause like !wah! really busy ah like other teachers were running around also like cause it was results day so I didn't want to like butt in and like


uh, like busybody so I just like just do my thing and just take my results then I go back, uh oh, at the hall I think uh the news oh yeah yeah yeah oh yeah actually on that day uh she passed away


yeah yeah, yeah but I at that day I didn't know but deep inside I somehow I knew, so uh at the hall when people are collecting their results uh some of my malay classmates were crying, then I was like eh wait eh wait


wait they haven't get their results though why are they crying lah but I never ask or like and nobody tell me yeah then I was angry also ah nobody tell me , after, the whole thing yeah then I just like collect my results and like okay like, move on with my life uh


normally lah then after a few days uh my mum my mum, uh she, her friend called her then say that this malay teacher has passed away, then uh yeah then I was like over like, uh, eavesdropping her her conversation then after she put down her phone then she say eh uh this teacher named uh


passed away is it then I was like what, like my my soul like go down like !wah! my heart like just drop man then I was like !wah! I cannot say anything like I just cried the whole day yeah, like I didn't even move from the sofa where I was eating then I like yeah just cried the whole day my mother also don't dare to disturb me that day


like I just yeah I just cried !wah! it's like the regret that !wah! I should have said something to her you know like !wah! I didn't know that was the very last time I I will see her yeah yeah that was sad yeah yeah that's why, it's like deep down I know then why didn't I like say something to her like are you okay like how are you


yeah cause she was a super nice teacher yeah, super nice and gentle teacher then I was like !wah! that regret yeah but I don't know no use lah, yeah like just yeah pray for her I guess yeah yeah that was the saddest I guess yeah okay should we move on to the next question okay uh


what was the most traumatic uh incident you've ever experienced, !huh! what the !huh! uh


!huh! blood, !woo! so the fishbone is still stuck, uh oh uh no no no !huh!


isn't that an emergency, !whoa!, !wah! !eeyer!


yeah yeah that's why oh my god !huh! but, after you vomit blood the fishbone still stuck in your in your throat is it oh no oh my god , oh oh shoot yeah


that's why !wah! scary oh okay okay so you still remember like like that that day ah, uh oh, oh my god, !ee! scary eh but you could have like


I don't know like your breath will get, I don't know your your breath ah, you'll be breathless and like can faint or what you know, nah oh okay


but some people like I don't know their airway will stuck then they like , die or something yeah , !wah! scary oh my god then your parents like panic ah, ah true


, oh my god oh my traumatic ah, for me traumatic uh, uh, okay maybe do you believe in supernatural,


oh okay uh this that time I was, I had a nightmare like, there's something chasing after me, yeah then at that time right uh I think it was, there was a thunderstorm like in real life in real life there was a thunderstorm then suddenly I woke up


like from that nightmare, then I don't know whether like is my imagination or what but I saw something at the corner of my room, yeah that was like oh the one and only incident ah, yeah I don't know whether is my imagination cause I was uh having a nightmare about it


then I just saw that thing at like at the corner of the room then at that time I was like so shocked I just ran out of the my room then I I was screaming take the knife take the knife , uh yeah yeah lah, yeah !wah! I don't know I still don't know whether it was like a real thing or like just imagination then that time uh


after uh after a few years my mother was telling me that uh, around that time I ran out of my room it was around twelve AM, yeah yeah so I don't know lah, I don't know like of these things yeah


have you had any yeah, uh, have you had any like supernatural things happen to you, oh yeah


how is it, ah, ah ah


yeah, ah oh , yeah that's why is there any like, I don't know I heard that sometimes you can


you can feel like what's going on around the room like your actual room oh is it, oh oh my god !huh! !wah!, !hey! so scary


so scary, oh then is there like I don't know any ghost or what coming towards you , oh, oh gosh eh oh okay okay yeah


right !wah! scary then what do you do usually do you just like just lie down or like try to move, oh eh very scary wait so uh oh, so your vision is like as a third person or


like, like when you are lying down then you see, flying around , fly around oh my god so scary


oh !wow! !wow! !wow! so that only happens when you are tired is it, ah uh !wah! interesting, okay that's creepy I don't want I don't want to experience that, !ee! uh oh yeah true oh


oh okay so you just wait, oh oh my god scary so you just wait ah, wait until you naturally wake up, oh touch wood touch wood


does your like siblings have that also, oh only you how about your parents, oh okay so it's , oh so it's not like passed down uh like I don't know


oh right, yeah I heard a lot of stories about that also like interesting to read but not interesting to experience it yourself ah oh that's scary yeah, !whoa! imagine !wah! cannot cannot


yeah do you read creepy pasta, do you know about that, creepy pasta, oh you should read up all the stories, I think there's one about uh sleep paralysis paralysis yeah


okay [eh] finish (ppl) okay finishing (ppl)


, okay hello, yeah do you have those questions uh


okay I also uh yeah, is the one in the email right I also got write down ah cause I I I scared like I cannot like, find wait ah okay, do you want to start first or I start first, okay


uh I just go from top to bottom lah ah okay describe a time when you laugh too hard, , , K


uh yeah uh you share yours first ah, then maybe I share mine yeah, (uh huh) oh ah (uh huh)


, it's a youtube video is it, uh, oh, oh


oh okay !wah! that's good ah,


, oh, oh no


uh, ah yeah that's why, interesting eh yeah


oh oh that reminds me of uh during my chinese language class ah somebody also was trying to say that uh uh my friend my, friend who a female friend uh come to my dorm, and we do work or something like that but end up he say uh something like until become so wrong ah then the teacher was like !huh!


she come to your dorm to what yeah then everyone was laughing ah then the person's face uh face was like, uh very embarrassed already lah and the girl he was talking about also embarrassed lah so like it's interesting lah yeah when like especially in like how to say in language classes yeah is like sometimes you want to say something but then you end up saying another thing yeah


yeah that's why interesting ah, uh you do you have any uh uh other like, other moments where you laugh too hard, don't have ah okay then uh maybe I share mine ah, mine actually mine like all inappropriate ah but never mind ah I I just say ah but it's funny lah


and I think yeah I think can say lah ah is like during primary school lah most of these are happened during primary school like uh, I remember that time, somebody pulled down somebody else pants then then like it's like eh unexpected ah cause the guys uh


underwear underwear underpants is like pink colour you know, then like very embarrassing lah especially for for that age but at that time everyone was laughing including me ah but then I feel bad lah then he was crying like he like started crying ah yeah like so bad ah


yeah but at that time right at that age and at that time of course we laugh lah yeah so bad ah but then now thinking about it is like !wah! so bad, but what really !wow! is like bright pink eh, it's like bright pink yeah


yeah yeah should we move on to another, another question yeah, oh you ask me ah should I say okay uh fond memory with loved ones uh okay this is very random ah I I just suddenly remember that like


that time, me and my family went to JB, then we like suddenly like finding for durian ah , , cause cause we went to a place like one place I forgot lah with durian lah but then we decided not to eat there then we we just wanted to go home but then end up we we like still want to eat durian so we


just stop like like uh there's like some roadside uh, shop, with the lorry all that not like a physical shop ah like, just a random lorry then they they were selling like those durian ah then we just stop there then like uh just sit by the road to eat durian that was like okay lah like fun ah like


like so random but yeah I suddenly remember we might uh like remember that yeah, how about you uh yeah


ah nice, ah ah ah ah oh


oh !wow!, ah what did you guys cook, oh what did you guys cook


yeah ah !woo!, what does ABC stands for, like uh


oh so it's just ABC ah, oh okay, oh ah, ah okay !wah! quite good, ah


so your father like everything taste nice lah, is it, everything taste nice, ah, oh oh that's nice okay lah, ah but quite a lot ah


yeah , I think your father confirm like quite quite a lot of dishes your uh your father confirm very happy ah like suddenly his uh two children !wah! cook for him, so touched serious oh my god


ah, ah okay meaningful lah, ah okay that's good okay, okay let's move on to the third question okay, describe your perfect day eh no no no not this one what was your happiest moment in your life


oh yeah , right, , ah


ah , , nice (uh huh) ah


!aiyo! oh my god so far, yeah that's why, what are they ah yeah , !whoa! okay nice is it like last year or like this year, eh wait shouldn't be this year oh okay okay


ah that's nice okay, !wah! uh, yeah also lah like those kind of surprises like eh you come like !wow! okay you come so far then like !wow! so touched yeah but like they always come at unexpected and unglam uh like moments like you are like ready for bed bed then they suddenly come like Wei why you never tell me first


yeah, yeah uh, what are the happiest moment ah actually very cliche ah mine like, graduating , yeah very cliche lah graduating cause like suffer for like four years of education so like finally yes can graduate


yeah graduate but then after that uni ah, must suffer another four years yeah, but okay lah yeah, okay uh let's go to the next question, uh, describe your perfect day


yeah describe , , !wah! , oh my god


ha, !wah! so nice ah, ah, oh oh my god


, north quarry uh yeah correct oh my god, uh nice like just chill ah


oh nice oh my god so when you were there you like really wake up then you can see the like the mountains all that lah


, yeah !wow!, so is that like your dream country to


to live in, ah, ah


ah have you been to switzerland, oh my god !wow!, ah okay do you like it there or like new new zealand new zealand


ah, switzerland you prefer switzerland, ah oh oh okay, oh oh my god (uh huh)


the the sound also like similar okay okay, uh for me perfect day okay I also wanted to say travelling but since you say already I say something else okay uh maybe local ah local in local


, I will like take a very long walk you know the Henderson waves, that area ah I like to walk there like I walk from Hort park then all the way to the Harbourfront, uh what you call that


yeah Harbourfront area the Henderson wave then the the the bridge ah, the bridge yeah I like to walk there, like it's so peaceful there compared to the city like, or the HDB area here it's like so crowded so if I want to like take a break from the


the crowd I will just go there and just walk, yeah, have you been there before, uh yeah, I wanted to go there at night but then I don't dare to go there at night alone ah , cause it's nicer


yeah but the Henderson wave uh, they they have those lights, at night !wah! very nice, but I never go there at night before lah I scared, my friend I asked my friend to go there with me but then they also scared


so uh never mind forget about it, yeah okay, so let's go to the next question wait how many more okay, what's the next question ah, what was the proudest moment !huh!, this one do you have


right , yeah same , right like there's nothing uh big enough for me to be proud of, uh, maybe yeah, ah oh oh oh


oh that's nice, , yeah, right !wah!


like the, patriotic feeling right yeah, I was supposed to join also cause last time I red cross but then yeah I forgot why I decided to opt out


yeah I forgot why lah , , maybe I was like lazy to commit every for every training I don't know yeah, then I was like ah should have just eh uh like, just go in just sign up for that yeah, !wah! so cool leh


yeah I wanted to join cause like !wow! joining the parade eh then everyone look at you like, NDP parade some more !wah! it's like !wah! really, cool, yeah, cause you trained so hard right, yeah


yeah how long you guys trained, , uh yeah, feb or march


, (hmm) yeah , !ow!, oh nice nice !huh! so every week you will eat KFC is it


oh , ah nice nice, then you like with your team every week is like bonding with your team right yeah that's nice, yeah


yeah I should have joined right uh sad can make friends also right there like with other I don't know the those NCC NPCC, ah nice, which year was that for you


oh okay two thousand nine oh, oh is it was that the first year, !wah!, !wah! cool


!wah! then what time you go home, (uh huh) ah then you stay at #pasir ris#,


ah okay !wow! okay !wow!, at least you got bus ah, yeah super far yeah, K what else, proudest moment I also don't know eh I don't have a proudest moment like maybe like when people


like when people say that, they are proud of me maybe, then I was like !huh! you are proud of me like so unexpected like I thought I was doing nothing, then is like oh you are proud of me of that because of that yeah


okay lah yeah, I guess so that just that lah ha, yeah other than that I don't think I have any proud moment yeah, K shall we go to the next one, what was the best meal you ever had


ah yeah uh, (oo), oh my god what kind of cake is that


ah oh ah, oh nice nice oh japan japan dessert is like super nice, yeah


, but their uh food is like good quality so I don't mind spending a bit more yeah, yeah that I remember that time I eat the fluffy pancake


right they are known for that fluffy pancake that time , !wah! super nice, , right it's like between a cake and a pancake, yeah then I was like keep thinking about it !wah! so nice it's like so light you don't


feel like you eat like I don't know like, that's something heavy like you yeah, oh yeah uh my my best meal also from at japan , that time I eat the Wagyu beef is it I don't know whether is Wagyu or another kind of yeah another area yeah


!wah! super nice is like those #shabu shabu# kind, like, a few seconds then you take out then you like just eat !wah! so Shiok yeah so nice yeah then that, time I eat during winter yeah during winter so it's like !wah! warm the whole body


so it was it was like so memorable and like, yeah that's the best meal yeah uh that time you go with japan uh during what season,


(mm) I hate winter (ppl), (ppl), yeah are you okay with winter


yup, okay do you wanna I ask you the first question, okay err you said that you are a financial adviser


ah I see


okay I actually was quite skeptical about insurance products last time because like you know uh a lot of these banks or like agents will come and call me and you know try to sell products when I was still like quite young I think when I was still in poly if I'm not wrong


so sometimes they'll go around schools you know trying to sell like savings plan but I thankfully I found like a great agent that , gave me a few advice and like the types of insurance products that I am currently investing in would be the savings plan the standard health insurance


I wanted to start some investment plans but thankfully I didn't because I think the financial market is not very good at the moment, ya I think that's pretty much it ya it's really basic


err ya I did, ya it is


ya, uh I think I did but it was like a long time ago cause uh there was this agent who was who kept calling me and uh trying to sell me like I think a savings plan or I'm not very sure cause it was a long time ago and I was still a student at that point of time so I think I was still in poly


ya and and she kept calling me and and there was once I was overseas and I didn't know I thought it was it was from like my internship company or like you know cause I was waiting for a few internship answers at that point of time so I thought it was from one of those companies so I picked it up and I was overseas


so ya she was like oh do you have like five or ten minutes cause like I wanna share with you you know one of the products that we have then I'm like sorry I'm currently overseas so I can't you know talk for very long ya so that was really a bad experience I think I blocked her call after that


ya, I think she tried calling me a few times she she called me a few times before so I kept saying oh I'll cause I was I was still like not very well versed in insurance at that point of time so I was like oh I need to ask my parents


I kept telling her that I think my parents have my finances settled but she kept just like pestering and calling me, ya so it was, ya


(mmhmm), ya


right,


ya, oh, right


ya definitely have you come across like you know those bad insurance agents


(mmhmm) (mmhmm), (mmhmm)


, oh, oh my god


right right ya that's true I think it's very important also that the agent actually like explain to you what you signing up for because I think most of the time especially like people in older people they don't really understand what they're signing up for


and and and like you know they're paying a certain price but at the end of the day they don't know what they getting and a few agents actually just got away with that like not not explaining to them very well like you know what you're they're signing up for ya ya


, right


uh


I see I see


(mmhmm), !wow!


right I think I think that's really important because ya I think my I'm I'm quite lucky because my agent is really good like he he will give me a summary of like oh this is what this is what you are paying and this what you are getting at the end of the day ya and he also does that for my parents so ya


ya it's a family friend kind of thing ya ya, uh he's working for prudential actually ya,


, ya, !whoa!


, ya


ya, , ya how about how about your agents


(hmm)


oh


oh !wow! I didn't know that cause like err I've always thought that oh because the reason why we get an agent is because we don't have uh enough knowledge about these products right so ya okay that's that's really good


right, (hmm)


right right


right right, yes, really expensive like


, yes !wow!


ya it's crazy because like you know you know now a lot like of like anyone can fall sick at almost like any age like you you don't say like you're you're forty or like you know you're twenty you won't fall sick you know like you hear people getting like chronic illnesses


when they are like quite young and it's quite scary if you don't have health insurance like, ya all these treatments are really not cheap, ya


ah, right, ,


ya ya correct correct like you know, , ya ya but that you said signed up for life insurance right


ah like,


!wow!


right


okay, ya, I think it's like uh it's also gives you a bit of flexibility like it's not forcing you to pay like uh you know huge sums you pay what you can afford and you, ya and you get a coverage that you need basically and most of the time these err companies right provide you with basic coverage


uh that is I I think it's good enough if you cannot really afford you know a lot ya, ya,


ya, ya


ya correct


ya what when at what age did you start you know thinking about insurance, ,


ya ya ya, right


, right, right right ya I think that's why that's like one of the reasons why they also go to like schools like poly or like uni and then they like approach us because like you know some of us might have already part time jobs or like ya and like you know we're earning


not a lot but like a little bit of money so they they they try to oh approach you and like try to sell like you know you should start saving, no eh but I think my friend my friend was one of my really close friend joined insurance because I think she kinda needed the money err there were a lot of perks actually to begin with and I was kind of tempted also to join


because at that point of time I was searching for a job ya but then I don't think the industry is for me because it's, like you said it's a it's a very people industry like like you need to build up all these like social networks and and you need to be very good with selling lah basically you need to build


, ya exactly so uh I think she tried it for a few months, uh she passed all the exams actually but then I don't know what happened she just say that it's not for her because I think they put her in a few roadshows and then like they told her to like approach all these like you know I think she was at Bedok or something where a lot of the older population is


ya so they they they put her there and like try told her to like you know maybe you can approach these people because you know ya and then she was like uh it doesn't go it doesn't align with her values lah basically so she feels, no no she's not she's not ya


, ya


ya, ya ya


right, ya it's really hard work lah , ya


(mm) yup, okay, (ppl), do I stop it now


okay, okay do you wanna start first


, (mmhmm), ya


(mmhmm), ya, I think I think the same like it this like you said like this year started off really strangely like you know it's a it's the start of a new decade you know people have a lot of things that they wanna do but because of this like pandemic uh everything I feel like have to be put on hold


like ya traveling you can't really travel anywhere at the moment err it's really difficult to just also go out of your house without wearing a mask and there's a lot of things that you need to be mindful of ya I think


I think during this period uh it's really important for for us to take care of our mental health, ya I've had ya because we're always at home and like everything can be done is like done at home even work or like school so you don't really have time for for yourself even like you know you're with your family members I mean it's a good thing that you get to spend time with them you know


but but at the same time I think sometimes you just really need to reflect and like take care of your mental health because being with your family all the time can also you know be very stressful ya


, , (mmhmm),


oh okay,


right


, right, right right


, yeah, ya


, right right correct, right right ya and I feel like things will never be the same even even if like you know the pandemic dies down because like


you don't know when another one might just strike so it's a bit worrying especially in the job market also like I have a lot of friends who are graduating my sister is graduating and like you know it's a bit worrying in that sense because you don't know what


what what are the jobs that are available lah basically,


ya exactly, , right


!wow!, (mmhmm)


right right


oh my god,


ya, ya, right right ya I think especially the tourism industry is also like really badly affected cause my sister is in he she's doing hospitality business so ya thank god like she finished her internship already before this whole thing started


ya so I think her previous like hotel that she worked at they they laid off like quite a bit of people ya and it was really it was a bit scary because like you know , the whole when the whole industry is uh affected right like these people who have been working there cannot really find other relevant jobs


because it's not just hotels that are affected but the whole like service industry per se, ya, , oh


ya, ya and like


ya ya ya, , yeah


right right, right


ya, ya it's crazy like it's not just the, ya and as in like I think as long as they uh haven't found the vaccine yet like I think it's still going to be like this for quite some time ya


and and like you know it's like I think like us asians like the asian countries are taking this pandemic like quite seriously but if you look at what's happening in like in the US or like other countries, like especially the western countries ya it's just a bit sad lah to see like they are not taking this seriously and ya


ya ya


ya, ya, ya, it is it is, ya, , intentions ya same I think


ya but I'm maybe it's it's not it's not a very safe environment to be in lah like especially during during like what if if you see like what has happened like the past few days even like ya it's really it's really sad and it's really scary


to see like what the world has become ya


ya,


I, ya that's that's correct like I I don't know like twenty twenty feels like it never happened but we're already like half way through it ya and like I'm pretty sure like it will make like the history books like you know like future generations will learn about like what happened in twenty twenty you know


ya, ya, ya it's pretty scary like but I think like everyone is just uh like hoping for the best I guess like things will get back to how it used to be but definitely like not any time soon lah


ya actually I started way before uh I think in I started in february ya so I've been working from home since then


actually ya I kind of like working from home but then like err it gets like very routine every single day like you don't have a different like view I guess like you're just at the same place ya like when you go to work you you you take the public transport and then you get to meet your friends your colleagues


but now you're just at home you see ya,


right, !wow!, (mmhmm), uh


I agree, right right


, ya


yup yup ya, do you like talk to your parents on a daily basis or, because you said you live alone right then you don't really have any interaction with people


, (mmhmm)


right, , right, ,


right,


right, (mmhmm) ah


right right, ya


oh, (mmhmm),


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


ya I stay with my family ya like my mum and my sister ya, and my mum ya, ya ya like initially because like you know she's used to going to work every single day right and then like now that she has to like work from home it's a bit difficult uh because she don't get to go out ya so I think she is the kind who also don't really like to stay at home


so initially it was really hard trying to tell her like oh we can't you can't go out like err you know and maybe if you wanna do grocery do it like once a week, ya and like don't go out too often because like you know we are supposed to stay at home and she was like initially it was a bit difficult for her to accept it lah and then but now it it's get better ya I think she is used to it already ya think is is the same lah


ya, (hmm),


ya, ya, it is it is, (mmhmm) (mmhmm)


yup, , what else, ya err, what else can we say


it is it is like you know previously err because this is the new it's a new project right like previous previous years right I think they do it for like two hours if I'm not wrong, err ya ya that was before this whole thing before this COVID started lah basically ya


ya it will be it will be in a room setting so so ya, ya but there will there will there will breaks in between but then a lot of them will complain that it's a bit too long like two hours is really long


(mm), [oh] okay it's done


okay I'll start ah uh okay I think I will answer the eleventh question what's the best birthday present and why


uh okay so I really like coffee and uh I feel like I've wasted so much money buying coffee outside uh like almost every single day so this year I think I got uh my mum got me a coffee machine, uh ya and it's really exciting I've been making coffee every single day at home now since it's like you know work from home these past few months so ya I really enjoy making coffee in the morning it's like a it's like a morning routine and it's really actually very therapeutic


so ya I think that was the best birthday present I've received ya which was this year, I try not to drink it every single day but uh somehow I need it ya so


four times a week if I go out with my friends on the weekend I'll definitely spend my money on coffee for sure like we'll have like coffee breaks or like tea breaks and then ya almost everyday


uh starbucks like ya ya, ya


ya ya it's super convenient and ya but uh do you drink coffee, right right


right, , right


ah, right right I uh I usually don't, ya it's like I think I save a lot of money now because it's like you know you have your own coffee machine at home just have to like buy the capsules and can make your own coffee at home


ya ya, ya and like if you don't like the capsules that they have you can you can buy your own like beans and then you grind them and then you buy the uh what reusable capsules I think and then ya you can just put your own beans inside and ya


not very well uh okay lah like I think I know what is a good coffee and what is not not a very good coffee ya ya


, uh


right okay ya


(hmm), ah right right


!wow! is for them to like it's so convenient to get a starbucks mug for for christmas cause that's what it's like on the shelf, ya


right, that's that's sweet , okay, uh okay maybe what about you like what describe the moment when you felt the luckiest


, it's quite ya


, , right


!wow!,


oh, (mmhmm), okay, !wow!


oh


(mmhmm), ya that's very true


right right


!wow!, right I think I have a similar experience because I just I think I graduated in twenty eighteen


and it was I really didn't know what I wanted to do like I graduated ya I graduated in twenty eighteen like I think it was a bit difficult for me to find the right job with my degree because uh I'm I'm actually like a linguist so I think the market here is doesn't really cater to


to to like why I studied lah basically so ya correct ya, linguistics ya so so it was very difficult for me to find a job and I think I even did internship because I was interested in productions like ya so so I was in that line for a while and then one of my friends


that I know from uni she was she already found a job and that was because of uh one of her, prof profs I think like she did FYP with that prof and then that prof recommended her the job so uh again it's through connections and I think I didn't really like my internship so I quit because they wanted me to stay for six months but then I decided


ya so I decided that uh I wasn't really enjoying myself so and the industry is really not for me so I quit at the fourth month mark I think, ya then I was like searching for jobs and then like it was really difficult and then my friend was like oh do you want to join do you want to join me cause like we are starting a new project so I'm like oh that's really cool because like you know and it's it's good that I'm doing something that is very related to what I studied lah ya


think, ya, uh actually I am currently working for as in I'm I'm currently working with for this project actually ya this this this whole thing ya so I'm actually


ya ya,


ya so like ya this is what I'm doing lah basically like collecting data and like analysing them ya it's it's gonna be useful for ya, ya ya ya I did ya it's uh ya I get this question a lot uh


ya ya I think I I do I do know like a few languages like you know the basic english malay and then uh I learnt korean I did learn, ya thai for a while spanish ya but those are like thai and spanish was is on a beginner level like not so much of an expert ya


ah ya ya but uh I think one of the reasons why I decided to choose the the course is also because I was interested in languages lah ya, languages, ya


, , oh


ya, (mmhmm)


(mmhmm), right like are the characters like almost similar or like are they like completely different,


(mmhmm) oh


right okay, okay what's I think just now uh I mention about my friend


but okay maybe like something else uh okay maybe it was during one of my travel experiences uh in Japan so uh you know there's a lot of stairs and walking in Japan right, especially like their subway stations you don't really find escalators uh I think it was when I was going back I was already going back to Singapore so I was uh trying to lug like a few of my luggages up the platform


and it was really like early in the morning I think like five AM six I can't remember but it was, somewhat peak period like a lot of people were already out and about going to work and you know commuting so I was I was at the foot of the stairs and my luggage was like super big so I was gonna lug it up


cause my mum and my sister was were already upstairs so I was like okay let's do this and then like there was this guy who was I think smaller built than me like he was really skinny but he was like oh uh and I don't speak japanese so he was uh he just gestured


can I help you up the stairs with your luggage then I'm like uh it's okay it's okay alright uh then at the same time my sister was coming down, so ya I think that was that was like a sweet gesture like it was very kind gesture like you know he we don't speak the same language but uh ya he and he I don't think he's very strong also so like he just offered his help so I was like ya really thankful for that ya


ya, ya


(mmhmm)


(mmhmm), (mmhmm)


(mmhmm) (mmhmm), (uh huh)


yeah


ya, do you do you travel often, ya I can't go anywhere this year


uh I will always go back to korea like almost every single year, ya ya ya ya just


I think, I think uh most of the time I just go back to shop there because uh ya it's a shopping destination ya and like just visit some friends maybe ya I got a few friends there and I know the people can somewhat come off a bit as rude


uh ya I mean I think that's ya hostile ya cause cause you know everyone just goes on their own way they don't really there's not much of a an interaction with the locals if you don't really speak their language I think if you it's I think it's always the case lah like if you know their language and then


they become more open and more warm towards you they become more welcoming ya so I think I have experienced, uh, speaking I think I can speak to a local like decently like you know but but writing is a bit uh difficult because of all these grammar structure and what not ya


ya, ya okay lah like not not not too bad lah ya, ya I always go to Seoul ya I I think I wanted to go to Jeju but haven't had the chance yet but I have went to like


other parts like Jeonju but not not so well known by the common tourists ya ya ya ya, ya correct kinda


oh, , , ya


(mm), [oh] right, !wow! ya Bangkok is really nice too, okay


okay sure no problem


no actually I work in a insurance company but I work in uh back-end operations but I'm quite I I will say I'm I'm more familiar with uh insurance products than the typical singaporean, and I I do own a I do believe in insurance generally as a financial product and I do own like the standard suite which like life insurance medical


health and uh endowment what about you


okay


so you all your insurance products you bought from a single agent, oh that's very nice actually they say uh insurance industry is a relationship industry


I think the the agents who can last long in this industry are the ones who really they don't push the product to you they really try to understand your needs and recommend you what is suitable for you based on where you are now in life, so I think that's that's very good uh do you do you uh do you have any like bad experiences with a insurance agent


ah, is, I see


is that someone you know or you don't even know this person, (mmhmm)


I think that must be some time back because right now you can register your phone number on to the do not call list, then nobody can actually do marketing calls to you when I mean that that is actually a measure to protect uh consumers lah because some of the agents can be quite hard sell hard sell and they really want to they I mean they're living on uh insurance commission so they also have no choice lah because I I in my life of work I work with a lot of insurance agent


so I I mean even though I understand I I believe in the the the product but I can see because I after all they they they also need to earn a living so if they have no sales they actually have no income so and and like in this current state where they cannot go out and meet clients actually it can be quite difficult


so ya so my company has been providing agents some kind of like support package lah for maybe the last uh one or two months because I knew I think all all industries that are doing sales they're all badly affected by this uh COVID nineteen situation


ya, I think I think not anymore because uh I I'm in the industry myself mah so every time let's say you you know when you when you walk into the shopping centre you're always approached by those roadshow like a bunch of insurance agents seated as at the the the atrium or something then they will just approach you


but I will just I will just tell them oh I work I work for aviva and then they will just leave me alone most of the time when they know that I'm I'm from industry they they usually would not pester me but I I remember there was one instance where like, like this secondary school friend whom I never keep in touch for a the longest time suddenly bump into me and want to buy me a drink


so at first I thought oh let's catch up let's catch up but you you know how it how it goes lah so once we sat down oh actually I work for manulife, would you want to would you want to listen to my presentation on insurance product ah so after that I became more careful lah I I mean after that if let's say you bump into some long time friend who never kept in touch with you for like ten twenty years and suddenly become so friendly they're likely they they want to sell something to you I mean that's that's my my lesson


ya but I understand ya a lot of people are quite skeptical about insurance as a product because they don't they don't believe in in the in uh they they they think that like maybe the insurance companies are not very honest or they are just trying to cheat your money I mean I I do encounter customers that have this type of view towards insurance ah


yes, true, true true actually now MAS is uh catching these type of uh bad agents quite tightly so like if agents are trying to misrepresent like maybe they they lure the customer to buy something by maybe giving them vouchers but maybe the product isn't really what the customer wants actually the the rep can be


suspended or be terminated, from the industry so actually there are a lot of uh controls from the government bodies ah to make sure that the agents are doing their work properly so I'm I'm because I'm I'm doing operations so a lot of these uh measures impacts me you see


so like like right now if let's say that agent maybe they didn't do the sales process properly I actually have to claw back their commission that is actually a regulation now in singapore, so I I I would say uh the customers now are quite well protected lah and and and and many situation right if you raise a complaint the government will side with the customer


and fault the agent because the customer is not expected to know everything about insurance product mah whereas the agent is expected to, to be the one that provides the guidance accordingly


oh so it's a family friend


uh what which uh company does he work for do you mind sharing, oh prudential ya prudential has a lot of uh agents who were who actually like stayed with them for a very long time because they they look they their strategies is kind of like a long term strategy so they don't they don't push products for short term so what I hear is that they have a lot of agents that work with them until retirement


they they do not like because like in some of the other companies right the agent maybe try one or two years and then they they don't make enough money so they will go to other industries so and and that is actually bad for the customer because suddenly you receive a letter oh my agent has left you'll be assigned a new agent uh that that is actually very bad for the


the customer then when you meet the new person whom you don't know then you have to explain all your situation again to this new person so actually your situation is the most ideal where you have this one person looking after you and your family's financial needs I think that's that's very good lah I I I think your agent must be doing a good job


my uh because I I worked in other insurance companies before so I actually have err products from different companies so so when I was in army, err I have friends who are AIA agents so I bought something from AIA and then I also and and right now I'm working for aviva so I also have aviva products


so I I do have like I don't I don't really have a agent agent and and because I also understand the product myself so if there's anything I need I can I know where to get the information on my own so I don't really need, uh advice in a sense ah I can actually and and right now if let's say you have some knowledge of the product a lot of companies allows you to uh buy on your own like you can go to the website of the insurer and you can I mean you can go you can fill up the form yourself and submit and buy certain insurance products


, yes yes, but I think now consumers can be quite savvy so and and right now it's not like maybe twenty years ago where you don't really get a lot of information right now actually you go to MAS they have some consumer guide like like it's kind of like a insurance one O one type of document


where you can uh educate yourself about insurance and just now you mentioned investments uh so they actually provide certain like simple introduction on insurance and investment product I mean the the whole idea is if you know the product yourself better then err


there's less likely there's less likely that you would buy something that you don't want or you don't understand the explanation of the agent so I think what the government what they're trying to do is to get everybody educated to a certain level uh so so that there will be less complaints there will be less err


uh mis-selling that type of situation happening and everybody benefits lah, but I but I but I can share with you uh I I think the if let's say you don't believe in insurance there's one thing that you definitely must buy which is health insurance I think that one is the most most important in singapore because uh medical cost is very expensive


ya so this is the one that I mean let's say I have friends who are like totally skeptical and don't don't believe in the concept of insurance ah I I I mean I always tell them that err I think in singapore you can die but you cannot fall sick I think that is very important


because medical cost once you go in hospital for two three days err if you're not subsidised I think the medical bills can go up quite, really really high so and and and I think some I think in singapore because we are very sheltered so err a lot of singaporeans go by their mentality that eh err nothing will go wrong uh I won't fall sick or or government will take care of me ah I I then I think


usually they will be surprised lah if let's say they do fall sick and go to the hospital, ya, ya yes


ya, yes yes so that's why if you don't have your health hospitalisation critical illness so so what I call this is like living insurance that mean things that can happen to you but you are still alive so you still have to take care of yourself I think those are more important I okay I mean


if let's say you have uh dependents uh then life insurance is important because you have to provide for them, when you something happen to you ah ah so but ya so you you also must take care of yourself so that's why all this living insurance is very important uh in singapore context lah that's what I I I'm sharing


ya so maybe you should call your agent after this this thing is done to to review your insurance portfolio , yeah I have I mean I have some life insurance some endowment some it's a it's a it's a mixture and and because I I work in insurance company so sometimes they offer staff discount so like maybe uh first first year premium fifty percent off


so but I mean the the idea is to uh to get the staff covered because I mean insurance generally so I mean I I I I come from finance background mah so I always feel that insurance is a very useful product that because, err whereas other investment product just give you more money whereas but insurance product is a bit the concept is a bit different where it's trying to protect


you from loss when something happen to you in the event of a adverse event so I I I think is err I I think it's always good to so called buy a bit more than what you need


, ya you pay what you can afford true,


true true true ya but I I think ya it's it's important that you at least have your basic things covered it uh uh I mean in singapore context lah and uh ya and I agree with you lah uh I think if you cannot like buy very expensive one I mean you you you I mean you you buy based on what you can afford


uh but I I think what what some people do is that they they rather err spend on other things you know they they I I think a lot of people let's say when they started working because you don't have a lot of savings so you you tend to use your money on


what can immediately bring you, happiness I don't know so if you go and spend on uh go out watch movie ah so they usually they insurance is the last thing on their mind, that's why there's a ya


actually I I seldom but err what I don't know what happen usually what what happens is err when you go to army the there will be some insurance agents that will come to your camp and try to sell you insurance it's quite common lah so and because in army it's the first time that you get a salary mah uh even though it's like a


maybe four hundred dollars a month it's very low but then that that is really the first point when you receive some form of a income, so that's why uh that's why a lot of insurance agents will be very interested to so called build the relationship from you from that point on so that subsequently when you started working in society you had when you have more money you think of that first policy that you bought and you go back to the same agent


it's it's it's very it's all strategy lah I mean that's what I I come to learn so far,


ah, but have have anyone approach you to become a insurance agent before


, yes, uh


oh, yes


you have to do very uh you have to have a lot of PR skills err I mean uh a lot of time is to spend talking to people it is not everyone's cup of tea


oh, uncle aunties ya I understand


uh so she's no longer working as a insurance agent, but I I do recall ya when you when maybe at the point of graduation the insurance agent will always do some recruitment thing in the school because they also need new people to go and sell insurance


and and why they target err graduates is because you would have friends who are who just started working so you already have a network that you can tap into to sell your first few cases, ya so so it's it's quite common I mean I I think I did went for some kind of a interview meeting uh like a recruitment talk but in the end I mean I from day one I already knew that I I'm not I'm not I don't I don't want to do any sales type of work so I I never considered into uh becoming an insurance agent


ya ya it's not easy I I see my err insurance agents friend it's uh to stay long in the industry really takes a lot of uh hard work and uh perseverance


!yay! we're done


okay so maybe we can talk about err maybe COVID nineteen since it's the hot topic for the year ya actually I I felt I I mean at the beginning I I felt really really sad lah that uh like this year it's such a strange year


it really took me quite a long time for me to get used to this uh work from home mode, then you can't go out and err I I I guess affecting both of us is we all can't cannot travel and we we have no idea when we can ever travel again


so I think that is quite quite saddening lah then and then you see especially this week where you see like like you there are a lot of uh unrest in other countries rioting I I think it makes you feel very sad about the state of things in the world now


ya how how the how has uh COVID nineteen affected you


, yes yes


yes, yes actually my I mean sharing a personal experience so because I I stay by myself but uh but uh my parents uh I before this COVID nineteen I would go back to my parents' place three times a week but because of the lock down and all the rules


so I I actually told my parents I don't I don't go back I only go back like uh once every fortnight instead but then uh my mum has some dementia so so sometimes she would like forget things sometimes she would err be delusional sometimes she would err lose her temper so all all the while so called my I'm I'm kind of like my father's uh coping mechanism


because I go back and then I can talk to them I can mediate but because I don't go back my father actually have to have to put up with her like occasional tantrums from time to time so I agree with you on the point on mental health I I think a lot of people because


all all the while like especially for older folks they can go out and do their thing but now cannot go out so they all coop up at home with one another so I I believe I read somewhere that like the mental health there are more err instances of family violence


or some err abuse ya and I think err when when you coop up at home for for very long you can you can go a bit crazy lah I think that's that's my experience so I always tell my father you have to I mean you don't have to stay at home all the time you can you know go out and take a walk


I think that is a uh that that would do do you good lah if you let's say you cannot like let's say you have a maybe a difficult family member that you are staying with it's good to it it's it's it's important that you uh take care of yourself first uh then you can take care of the other person ya


ya, yes I think this is uh this thing would become a permanent shift to how the society functions and maybe some of the jobs that were there they would no longer be there permanently ya so I I do have friends like I mean I have a good friend who is a cabin crew SIA


and and he's already in his forties he's quite senior in the the cabin crew hierarchy so so he has not been assigned any flights for I think the last four five months, and and and then he's at the state where like uh he cannot he cannot really leave the industry because he's like a a little bit older like you can you I mean you maybe if someone who just started you ask him to change to something new maybe still a little bit more flexible but then


people in their forties actually there there's a lot of fear because they could just have no more work, going forward then I ask him what would what would what would he want to do then he said oh I want to then I will go be grab driver like everyone else but I I think this is really the I mean he was a bit more err positive lah but I can see he's quite concerned lah that he he may he may not actually earn a


the same income ever again because I think for cabin crew actually if you do fly there're some allowances that you can get ya but it could err this this pandemic actually has like taken away his livelihood and it looks like it will be for a considerable amount of time lah


ya, yes


correct, the whole chain in the tourism industry I think my my friend works at uh airbnb also laid off, ya I I so I think this really is it affects a lot of different industries lah so I I so it's quite quite sad lah when you see this type of uh things happening to the people around you


and and and I'm I'm at this state where I don't even I don't even look at the count anymore because there there's just so many everyday the news oh five hundred more three hundred more two hundred more it is really quite I I mean at first you are quite concerned when it's the first hundred the first two hundred


and then there were there there is really a a a fear when I when I go out on the streets whether I touch anything whether I sit on anything and then I'll be like I'll be like washing my hand every fifteen minutes or I'll I'll feel this uh compulsion to I want I need to wash my hands or I need to use a hand sanitiser


but then after that I mean it got better when we started this work from home thing but ya there was a lot of fear in the initial stage lah but now it just err a bit err helpless lor I I mean just I'm I'm I'm I'm a bit like uh I'm I'm used to this state of


functioning uh ya it is it's quite quite sad quite sad to see this whole thing just like like tear tear the world apart like this and and no no end in sight


, yes, I mean I actually got to the point where when whenever the news reports about uh united states or brazil I just switch the channel because it's just it's just quite disheartening to see like


world leaders acting like kids I I mean they're they're really not taking this very seriously they have their own agenda to fulfil, and I I mean I I don't personally know any americans but then when you read all the news report it's quite sad that one of the like super powers in the world you know like they have uh someone that's quite incompetent


that is unable to manage crisis of uh this scale but he is the person in power it's really quite uh saddening, ya I don't even think I want to go to the the states I've I've never been to the states but I mean I I I've I've I have no intention to go to the states


ya looks like such a terribly run country uh I I mean not not to be against anyone american I don't know ya, yes yes


yes yes but I I the I I I mean I do have friends who say that oh maybe another war world war is coming because like now america not happy with china hong kong not happy with china then a lot of different countries are at feud with one another so


I I I don't know the doesn't doesn't look like err the future is bright so ya I I mean maybe it doesn't uh closely impact us but that coupled with the COVID nineteen ya things are things are not looking so great this year which is ya


it's a very strange I always tell people it's a it's a very strange year it's a you need you need to really manage yourself well to survive this year


half way through yes, ya ya yes yes ya and the worse part is ya lor the maybe when the cure is come uh when the cure is found then it became COVID twenty and COVID twenty one and ya I I I mean this virus thing uh


you you know that they are like they mutate and you know they get powerful so sometimes whatever they are doing to the medication that they are testing may may get outdated ya so it's a sounds like a a losing fight


ya, yes so you been working from home for the past few months as well


but how how do do you do you do you like working from home


oh, , I mean as I shared earlier I I I find the whole I mean it really took me a long time to get used to this working from home mode I find it very isolating because okay so I stay stay by myself so everyday I wake up come to my computer turn on


then okay go out for lunch then that's when I see people you know then then you feel very distant from everyone around you because actually I can go through the day without talking to anyone, so so and and and and when you are in an office environment you actually get to maybe mingle banter with your colleagues but at home you don't get this kind of uh pantry banter you don't know what's happening to colleague A colleague B because you actually don't see them you don't know what what's happening to them and they don't know what's happening to you


so it it I I it impacts it uh work is harder to get done when you don't have the people around you so it was very frustrating err for me at at the start and and, to get into this this state lah and and sometimes uh you want find to someone eh you don't know where this person is because he's not online


then you cannot reach this person ya so so it's it's it's it's really irritating at the beginning but I mean now it's it's more like everybody come to accept uh there's no choice so we have to continue and uh I mean as of now I still cannot go back to office so


so we still have to put up with this for a period of time, ya,


I mean we have a family chat group where we will chat once in a while I do I do not call them but uh I mean since the pandemic started I would uh visit them once every fortnight against the rule , but I mean because during the during that whole circuit breaker period I'm not even supposed to visit my parents but because


uh my mom needs help with her medication she she has uh she I need to pack the medication into pill boxes for her to eat or else she she cannot take her medicine by herself so I I had to go back but I will go back I I went back every once every fortnight so I mean that's when I will talk to them


I mean I'm I'm not so I'm not say very close to my parents in the personal sense where I will ask them eh how are you or they will ask me how am I you know we we we I'm kind of like independent but I I do know that as a son I have to take care of them, so ya so so but so so I I I would go back and visit them once every fortnight now and that's when I would make an effort to talk to them like my mum take took a really long time to get used to this pandemic thing


because she she cannot believe that or she doesn't want to wear a mask so she wants to go market everyday then when you tell her nicely she will say oh let the police catch me I don't care I'm so old already so so she would like throw tantrums and stuff it was it was it was very hard to manage at the beginning


uh so and and and and you know like last month we have to uh last time was uh #ching ming# where we have to go to visit our ancestors at the uh at the columbarium, so I keep telling her that those establishments are all closed we cannot visit any there anyone then she said I'm I'm like lying to her she doesn't believe me


so we got into a fight because of this but then after that I reflected okay lah I I mean even though it's all on the news but I think old people they can be a bit selective when they listen you know they they only believe they only uh absorb what they what they want to what what they want to absorb


so so is it can be a bit difficult when like times like this where you have to pass the important messages to them and it's not getting through so we just have to keep trying and trying, ya not not not easy lah but uh the the the pain is on my dad not not really on me because I I I I kind of detached myself from the situation because I stay I don't stay with them


you stay with your your family or, but they are coping okay your mum is uh uh obedient


oh


yeah, yes, I think all of us uh we we had this uh learning curve so so once we uh and when I think eventually being human is uh is our nature to adapt


to changes lah but just that some people can adapt faster some people take a bit of time to adapt, and ya and and I think for older folks it's harder because at least we are connected to like social media we are IT savvy if you are not IT savvy I know you when you go to supermarket must bring NRIC to scan because you don't own a smartphone ya can be I can see it can be quite


quite uh uh unsettling lah quite jarring suddenly eh your routine is all changed and you can't do the things that you always have been doing, yes


okay so uh and last words we have about a minute left, this thing is quite tiring ah doing this for one hour straight, yes


yes, !wow! two hours I that, but the the people would be seated in the same room or


uh, I I see uh okay uh, ya I I actually wonder why do we need to uh talk about a topic for twenty whole minutes if it's like about artificial intelligence won't they pick up because of like maybe we just talk for five minutes


yes time's up


yes you can start


so previously how how much coffee do you drink


so is it like starbucks that type of coffee or the #ya kun# type of coffee , ah starbucks I always find that starbucks coffee so so lah is not say fantastic but uh but ya because it’s kinda like mass produced you see so and everywhere there is starbucks so it doesn’t feel very special but yeah uh it’s very convenient for you to get starbucks


I drink but I'm more the #ya kun# toast box kind of coffee, person ya so the I but I mean for me I'm always quite uh adaptable I I think one of the


uh singapore working crowd routine is after you have lunch you sit at a coffee place and then you drink coffee for a relax for a while and then you go back to work so so for me is like depends on who I lunch with so some some of my lunch Kakis they like to uh


drink starbucks so I will go starbucks with them some of my some of them likes to drink the chinese coffee so I will go #ya kun# with them I'm I'm quite adaptable lah but I because I think a lot of time is really is the company not not really the coffee coffee I mean I I do drink coffee I mean I'm if let's say if you ask me tea or coffee I'm definitely more of a coffee person