uh follow that up was, great lah but that experience of seeing uh someone you looked up to when you were younger cause of, I mean for #cristiano ronaldo# I prefer like I really like his work ethics so to see him like in the flesh you know just right in front of your heart eyes you are like


that was really one of the I, think hands down one of the happiest moments of my life ah I I don't know whether, I don't know whether there's any psychological study or something but, there's some certain stuff I I feel like in my childhood that may not actually be as uh happy as I experienced when I was


adult but I try to like like there're some moments that I feel that I will been happier that experience as an adult as a kid you know, I I don't know ah I don't know about you but what's your happiest moment in your entire life


oh oh uh Game Boy Advance ya ya, I but it's one of first portable actually gaming devices right ya ya ya okay ya I know


I like okay I understand ah like those type of experiences that ya that's what I'm saying like as a kid you just find, more stuff like to get happy over rather than when you're an adult which is very weird ah like ya I mean ya but I uh, ya


but I mean I don't know ah cause when you happy also, there are also certain stuff that I'm thankful for in my life ah especially like, uh, I think I'm thankful for the support I get from people also like


I try to not I I mean I try, I'm just thankful because I see certain situations at my friends are in and all I know of friends who are not uh, particularly well off and all and then I see the situation, I'm in like !wow! like just the fact that I have two loving parents who love me uh and then I have parents I mean they're


it's like, every when I especially when I was growing up I I tend to take it for granted but even though sometimes my dad will say why do you want to get a like a console like what do you yourself like a gaming device or something like that but my dad will actually just uh sort of


will make me actually I think what he did was he tried to make me uh, question why I want this device but eventually he will still get it for me so these are some of the stuff that I actually am like thankful for and then especially also old friends like you like ya ya and then uh when our JC our JC friends ah you know like the the ones that we uh


stuck by I mean we just we just had a call right yesterday ya ya so like they're these are some this I mean these are the some of the stuff that I'm, thankful for and again I goes back to like the blessing in disguise uh by okay even though we didn't uh particularly go to like the the best JC or some sort like


we still uh you know it's still ah ya it's the best ah we still went to a support group we still have this like support group uh but like, if one of us is feeling down or what then one of us will always be there for each other and it's really nice, to see that even after all these years we're still sort of


uh ya basically we be like we we sort of become like a family ah so , these are like the the the small stuff that thankful for you know like, cause there are also mean you definitely know of some people who didn't particularly have the best time in school mean ya anti-social and all but the fact that we all in football and then the same year and all then it's well like to actually still still


even though we had how many fights back then in JC right we anyway to for us to still be together I think it's really really something to be thankful for lah ha


at that collectiveness right ya and, but somehow uh somehow we're still we're still all in contact with each other


true ah it's like ya ya some more we like we are we are still in uni we still got assignments and all and we are for for, for them also for you for them to still want to take their time out of their day just to talk I mean it's it's just it's the little things it's the little things that


ya sadly our JC didn't have ah but I mean I I don't know whether you remember like uh we had this uh


you you me and another of our friend went to, (ppc) this place in, white ah not white sands uh it was in downtown east or something that was my first time eating that uh ah I forgot what it's called that that that that the spicy with that the spicy food uh


ah ya, it was one of the most overpriced food I had , that cost ah ya


but but !wow! no but but I think I I I think ya but the but that was good ah some good spicy food I think generally I I think generally all spicy food for me for me particularly like is I would take it as a sort of comfort food whenever I'm down or something right like


I don't know ah I I love all sort of uh spicy you you remember the you remember I was training also what that spicy noodle challenge or something like that , ya I also ya I'm doing I remember I had it in, JC I forgot who who I challenged had the challenge with but oh my god it was I don't


know I just it's just sense of ya I'd I don't know lah but bro it was how long ago man ya but I think just have that certain uh sense of uh I mean, I don't know the the taste buds with spicy in like my taste bud just go up the roof whenever it's a spicy food lah so I don't know I really really love spicy food ah how about you


I mean a'ah of that then my I would say my comfort food ah is spicy food, you know ya, like what's your what's your form of comfort food that you like ah


cause I know you like exploring food right right don't you like like going places and just eating random food


so uh I mean I I think if you if you don't know what your comfort food is I think if you just watch uh, marley and me right and then the food they eat when you watching marley and me I think that's your comfort food, ah cause that show was so sad right it's like anything that you eat that make you feel better right but ya lah


oh, your screen time dock uh


okay so alright so !aiya! then, uh, I I mean I don't know about uh have you received much compliments in your life, I've I I I,


most insults ah , ya, but uh I mean me I love, fishing for compliments


what are your favourite insults slash compliment that you receive though


oh getting with oh I think like ya man because uh, but the one the one whereby you because you're what what you guys doing you guys are playing around all around the school ya and then


and both of you guys you really were like playing like, to call you for him to compliment you and call you a monkey he also did this because of monkey following you all people , I think one of the best compliment I received ah, I I don't know I forgot when I was I was a MC for a school event and my and my math teacher right just decided the next day to like


uh talk to me and he's like and and, I'm not really I'm not really the type to just raise my hand every math class partly because I don't know what's going during math but like I'm not a like like uh, so then she uh she she made she singled I mean she didn't singled me she like just complimented me saying


oh uh <P2> malik </P2> I didn't know you you can speak so well then I'm like, !wow! I never really expected that sort of compliment cause that is like for me compliment is that you got to I get from random people who I don't expect from you know are the like the best compliment cause I mean


for for me personally if I if I receive a compliment from a friend or what I'm just saying ah ya man this cause this guy's my friend so of course you can compliment but this is like a total random stranger so I'm like oh !wow! okay so that that one was really I think for the next, month right I was anything that happen I was probably like immune to it cause of how I


ya but have you uh


I mean for birthday presents wise, uh mean since we're talking about like positive experiences right definitely birthday present have to be in the conversation right ya ya so what what's your what's your what's your best memory of a birthday or fresh present


what show were you watching that week oh okay okay, ya I understand understand


then uh for me my best, birthday present ah, I don't want I don't wanna sound materialistic ah but


when I got uh hang on the, Apple watch ah !wah! that one ah got a Apple watch my first time getting a like a smartwatch and I just thought I just thought I don't know took me back to I don't know do you remember watching spy kids or something when you're younger, oh my gosh and then


the the gadgets they had wearing that smart watch or even like ben ten I don't know whether you remember watching ben ten when you were younger , a code that ya ya but you know those type of like gadget gadget uh gadget centred shows whereby they have like their people wear gadgets and


!whoa! when I got my smartwatch and I I remember I remember I purposely made my uh brother brother call me call me on the phone just so I could like talk onto the watch like eh hi hi it was it was I don't know it's just something about it it's just something about


suddenly being the next ben ten or being the code code name kids next door just made just made that the best birthday present ever and also it made me wanna run more I guess uh cause I mean recently recently you know the only thing running , it was running from my schoolwork ah but I think I think uh but I think uh when uh


but for that first I think solid three months that euphoria period that I had, it was it was !wow! when I when I get to uh when I would run every alternate day, I felt my, I I felt I was getting better and better but then slowly the laziness seep in and


now we're here ah now we're here , hopefully ah hopefully one day hopefully one day I get back to where I was like ah !huh!, ya but I think that's that's generally it for, positive experience for me I mean, I like what I say from the start ah it's all about trying to spin a bad situation to make it a positive ah for me so that's why I don't really I don't I mean I have highlights on positive experience but since everything I try to treat as a positive experience I can't I don't really


there's too much to share you know sort of thing ya , for yours you got any like words, so that's how you going to


[orh] that's so sweet (ppl), (ppl), (ppl) that's so sweet [ah] that's so sweet (ppl)


financial related topic


I did talk about uh going for this like, , those like you know those savings insurance plan eh no savings, plan sorry ya I like when I was at


uh you know the #pasir ris# interchange and then like I was walking around, like around the area and there will be people like trying to like ya ya then they'll drag me and then I'm like oh do you have uh, time for just one minute and they'll like ya so I I was quite uh like when I was hearing about what they're saying and then like how like I'm able to like kind of like save less but earn more that kind of that's that's the kind of thing they will like try to promote lah


I think I think is very beneficial for for us now lah cause like, as you know like the inflation is is not getting lower anytime like it's it's been increasing ah ya so like


ya so we we kind of like need to like plan for future ah I mean that's like the most like crucial thing for us ah cause I'm as I currently now there's like a lot of people who depend on their their kids like, for like


to fund them for the entire month you know that kind of thing like uh, ya but is, , I mean it can't be can't be helped lah ya I just hope like uh we won't uh, I I won't have to like dig ya ya cause ya ya


oh uh no actually I don't really have a savings account ah but I I have this type of plan in my head I mentally like I tell I tell myself, to like plan for the entire month I will like, plan out all my fixed costs like what am I going to spend on like either transport food right now I'm in uni I mean we're both in uni lah so like if you got any textbooks that need to buy ah so I plan ahead before I actually trying to like save uh first ah so like let's say if I


I will after after subtracting the the fixed costs then I would save, into my uh my my bank ah like bank account then from there I will I will see, like ah with the remaining money I will like kind of survive ah for the entire month


(mmhmm)


oh ya ya I know what you mean what you mean ya lah so so, I I don't know I don't know whether this works ah but like so I have two accounts like one is like really just for saving like another one is just for me to like spend so like meaning the spending account that's that's the one that is tagged to my ATM card ah so basically I will have to like like once I transfer the money there


and then uh I make sure I'm not very liquid ah so once I go to the place and I realise oh I don't have like I don't have enough money so I'm just going to uh I can't spend it so I guess I'll go for it next time you know I'll just like but then by the time I need to shop then I just like forget about it lah cause I I feel like some kind this kind of things


uh, it it it's just quite like the thought about it it just quite it won't stay long lah


, oh ya there're ya ya


oh actually talking about that right like uh I was I was just like you like like five years like five like five, seven years ago like when I was in school I I didn't really think about of future much so basically I will just like whatever allowance I got from my parents I just I will just probably like you spend it all the way lah even though I I don't really need to to spend uh things on so like I can


basically just uh have a normal like plate off like chicken rice which will probably cost about like three fifty back then I then but instead I will go for mcdonald's and then I'll just like upsize, uh uh large fries large uh coke you know that kind of thing and ya and I didn't really think about it because it just felt like


it just good at that time lah so ya ya ya ya ya ya so like ya


no ah I heard about it lah, it's just like at the moment now like for me now I don't really have the like that knowledge to to kind of go invest in this ya so it's quite scary cause I I do have like


ah one or two friends that decide to participate in this and then they didn't really get much returns ah , ya ya ya, ya actually generally there were more people who actually gained more than lose ah but the thought about like uh investing in this you know feels a bit scary ah but ya and I guess it's something that I would definitely give a shot next time


right ya but but it's scary cause, as in you don't really know which companies are gonna ya even you study like the the stocks and I how how they progress you know even if you have like ya ya


oh ya ya ya that's that's really, I think that's really useful lah


ya ya, ya ya ya ya if I eh I mean generally like at the moment now


we're like at this age like obviously we want the money now but I feel like the government is actually kind of trying to look uh out fast like in the in the future like you know like uh after a certain age I'm not sure whether is, sixty two or sixty three uh they will like we'll be able to like receive our some funds from our CPF you know ya and I think that's quite uh that's pretty useful like for managing the aging population you know now as singapore is facing that ya so I think this is one of the few


uh uh things that the government thought ahead for all of us ah so


ya ya ya that's true I mean like now like like I mentioned previously like I feel like the older generation now like they still have to depend on their kids so I feel like the CPF contribution I think it was meant like more of to help these group of people


, as in before I actually like make a purchase I I would actually like rationalise like whether do is that a need or what ah so if it's a need then I I will still do my research before actually trying to trying to go buy it lah cause like in the end


like why why am I taking whether like if at the current moment now I'm taking is a need but like once I purchase it, uh and if I don't use it then it's like a waste with money already ah so


ya ya ah


(mmhmm) yes


ya uh ya actually I I I I had been in the same situation as you but like, when you when it comes to like what you're telling me ah I would like think twice ah I mean obviously like I I know I wanna like buy uh like those


expensive gifts for my parents to show that I appreciate them you know for what I've been doing it for me and then , but in the end if it it comes at the expense of your like your well-being ya I don't think it's really worth it ah as in I don't as in I say that because my parents since


like they wouldn't like it ah if if I get them something and then I have to suffer for for that ah ya not that I don't care about friends I care about my parents


oh ya ya


ya ya ya I mean it it it's essential now ah cause like I guess


uh, I think it's about connectivity I'm not sure but ya like , I mean we we're at the stage where like this kind of moment we need to like, anyways


how about you, K done


alright , negative experiences


(mmhmm)


(mmhmm), ya


I mean I do have a quite a bit of like saddest like quite a few I mean I have a few sad moments in my life lah I mean the one that I'm not too particularly proud about was the actually is somewhat similar to yours where, like, uh my my granddad the same granddad who


who I talked about just now uh he he actually uh passed on on err, two thousand six fifteen thousand fifteen ya so basically , he had, dementia and then uh


he I think he would for the most part he was like, uh a bit I wouldn't say paralysed ah but he needs some support, to from someone to uh to do his daily activities lah so he he what he he couldn't like move after his fall in when I was


uh I would say like around ten, ya so it's been like a few years for for uh since then, then he he couldn't do his basic like uh basic ya ya basically, ya so every now and then my parents made made an effort to to visit him uh at his house which is at I mean we used to stay at Sengkang and as you know then he's in like the middle near


uh farrer park there so, ya so we'll we'll make we make it a point I mean is on the same line so every now and then I'll I will go lah so but I at a at a bit of time I just finished like this major exam so I will, was just like trying to relax and at then like you know it's really been like few years ya but I I been like kind of like


avoiding him because of my exam at first lah because I I had been really really busy then so like (ppc) when my, mum told me to go visit him I was like, first I was like I just ended my exams so I was like ah this is what I really ya ya ya so ya but but then the thing is somehow I went


and and uh when I went there he was really like he he look like uh, he wasn't best state ya he wasn't in his best state lah so , I I I mean I just there then I just sat with him and just talk ya I mean like you know I just ya I he doesn't he can't respond because uh ya cause he ya that point of time he already he already lost all the like the he can't really do much he can't move he can't talk ya


nah ya so , ya so I'll basically this what this story was is that I was there on his like uh on his death bed ah which I I didn't know ah cause no one will know when when it's your time to go so, uh when he when we my my think on the my dad repeats reposition position him ah cause he was at a weird angle apparently so after that he closed his eyes then after that his heart stopped like uh like moving uh ya


so when when he finally opened his eyes for like the the after like ten seconds I was when I saw his eyes open I was like oh my gosh, he's you know he's okay you know everything uh I don't have to feel so worried you know then I'm like oh okay then like the first thing I was like oh I can't wait to you know go back home and then next thing you know he closed his eyes and then


he didn't wake up then I was like oh, I made a mistake, ya and like as in I'm happy that I I was able to to to be present at ya and and and the first thought that came to head was oh I wait to go home you know then I was like oh so that that's one of the things that uh every now and then I think about it I I feel like uh


kind of like kind of like screw up there ya , ya but I I I'm just I'm just also quite sad lah cause like I, like I told I was ten right so I I didn't really have like a lot of memories with my granddad lah but, uh so


oh


actually I some somewhat similar to yours also but it's a bit like different ya but except my unlike your school my my school we weren't really good at at football lah so and and I I didn't really uh during my my first year I I didn't I wasn't really in I wasn't in football yet so


uh all along I've been playing like with all those like uh from my neighborhood so I was like oh I think I am I am pretty good then uh, fast forward to sec two ah sec two yes sec two and I joined the football team and then uh I was really happy lah then I I obviously I miss the that competition for the year cause I joined late so I I my first competition was in sec three where I was


really uh I can't wait to to play you know my my my first competition and as a as a footballer so I was like !wow!, and then then everything changed when I stepped on the pitch ah cause like uh, there weren't really there there wasn't really much chemistry between all of us ah in general although we were physically fit cause every now and then my coach just keep asking us to run five five K merit training six you know that kind of thing so we were physically fit but technically we weren't really there so we and then then we most of us like I I I mean like I know you said you


you at the time you play for fun right, ya but I I I I at the time I took it seriously and then ya so ya it was quite uh demoralising ah I, like I I I know I spend like one hour just looking at the ball it's was like what what could have I done like uh the the scores was quite big I think there was


uh, there was one there was eight zero there was ten zero I think there was one that went double digits that was with you know the small school, that's quite, terrible ya so like to like it really took ya it really had a impact on me ah so like I am like what you said like you don't you don't feel confident holding the ball then I didn't feel confident in myself after that like I I for some reason like I felt like I quite damn lor


I mean in the past, when I was younger it's more about like uh disappointing my my parents, ya so you know obviously grades grades has been like really really important to to me so like whenever


I and like there's like some like a a dip like my grades I always ya start panicking lah cause like back then for some reason uh my parents didn't really set really high expectations ah I mean not not like not like I'm supposed to go A but even then also I didn't even meet their expectation ah so like every now and then my dad will like like


like he will let me know ah that he's not unhappy that he was unhappy, so uh that's one of the things I'm I I am worry about from when I was in primary school all the way until uh, JC I will say until JC ah ya I mean now also I'm kind of worried lah but this is more about like if I don't don't do well


ya so it's like ah , ya in ya ya and, I I think it's it's particularly so for, in case you know like cause like you know like as compared if if you went to poly then like if you don't do well for for JC you know what are what are your options you know and then uh at that time they didn't had this like scheme where like


oh after JC then you after complete in A levels you go to poly you get to skip like the first year like it came out in two thousand seventeen or two thousand eighteen, ya so like ya the, that that that thought was like really really scary you know like you know those like ya I mean it's about your future and you're really really uncertain about your


uh future ah I mean and and besides that I do worry a lot ah I mean you know, personally uh small things also can worry ya


!wah!,


(mmhmm)


oh eh I mean it's the same ah like uh, ah it it's just really like all these uncertainties is just , just make me like really really like like, I just want to I don't know how to explain ah but I just really really scared ah like eh you don't know what's happening is like something like you can't really control much you know


okay ah I mean, one of my goals is just to ensure like I, uh uh, uh like earn a stable income right and then like do do get a decent job but then like


I I even like even now like instead of going for this course I went I went to uh instead of going for, I wanted to go into this course but I didn't go for that one cause like in terms of then which that course I really enjoy more but then like I I I like what you said I am really scared about like what's going to happen in the future and like you don't you don't know what's going to what


going to work as you know I mean in in particular like now like you don't really know what what you gonna work as in this like environment of the COVID nineteen you know you can find yourself doing like random jobs then ya and and what more now I'm I'm I'm still like kind of puzzled about what I really want to work eh


thanks for your sharing <P2> malik </P2> (ppb)


positive experiences


I don't know


oh ya I think I was there that last week when that positive experience where you didn't have class you know when you missed your class


actually I I got kind of lost at your sad moment I actually I also experienced the same thing ah like I was quite uh , I don't know what to say but I was quite annoying like to see like uh how everybody managed to get like oh my my teacher was reading all the grades I I mean the the scores then obviously when I was like when she was reading then I was like eh saying it out loud then I was like oh okay when is mine when is mine and then when she finally said mine out


was like eh how come it's not quite it's not close to all the other numbers ah then I'm like oh no but ya it's okay ah uh, I I mean I I want to be like you like you know like you in in those even if those like tough spot situations you always find like something positive about it like like that time I mean like last week like last friday when I was freaking out that you were late and you were like oh no it's okay ah I get to explore you know what this school and I was like okay


, ya that's true


oh ya heard of him ah , uh


ya (mmhmm)


!wah! actually I can't I can't really remember a lot of things ah but I mean as in no no no as in I can remember stuff but ended up ya but what what what as in I can't I don't really have like


the like the best happiest moment ah but I I can't I can remember like some stuff like ah okay I'm gonna say like at that time when I was younger that was like the happiest moment so back then uh okay how old was I, K I will say I'm a like not toddler I will say like I was still in kindergarten ya so uh I think okay like


in nursery okay around there ya so uh back then the they had this like Game Boy remember like this this this square squarish shape oh I think eh ya I think or is it the the like the big one you know the bulky the black colour one I'm not sure


ya ya ya so my my dad you get got one and then like he he kept it like in his room ah cause he didn't want me to play or spoil my eyesight but eh, you know and then uh uh, at at that time like I mean I really like gaming then uh cause I I think uh what was I into I think it was Digimon ah but ya not not really into that now but ya so what what what was happy was that so that I they never let me uh uh eat my


my room ah so I I mean I have no room so I would eh I had a room then there's whoops there yah so then uh , they when I told my mum I wanted like I wanted like this like okay back then I I don't know why I ask for milk in bottle ya so it was I had the milk in my bottle and then I told I told my dad I want to play game and then within like five minutes they got both for me and then they like oh you can just play and uh drink at the same time I was like !wah! then I was like


I I mean it seemed like it was nothing now but back then it's it's seemed like really really cool ya, ya ya ya


, I mean now which I now I can do it like here you know I mean I mean like at my house you know so like eh,


, (mmhmm), ya ya ya all the way until three AM


oh it's the best , ya ya


like a family like that,


, oh ya ya ya


ya actually ya that's that that that's like one of the things that I'm I'm actually really grateful for like I don't really I I'm not sure whether you have that in your like before uh when you were in secondary school lah but I didn't really have that that type of like like bond with I mean I I do have had it like like but but with individuals but as a group ah I didn't really like


ya all the way until JC and and like I I I was quite worried that it will end you know after that then but I I'm I'm glad lah like, ya , ya it eh it it's good lah cause like I guess like now nowadays is like really hard to


like keep meeting up with people like uh every now and then cause like we all of us are are getting older and it's like we're getting uh busier and it it it's nice to see like I mean we can call randomly and then you know like we still have that type of connection like yesterday we can talk all the way from like what time did you call ah I think it was ten ten PM all the way until three AM it's like


, ya uh ah ,


oh ya ya sadly our our JC didn't provide that


(mmhmm), oh oh oh, what's it called like like like some uh army stew like the korean army stew is it


ya !wah! you know like okay lah we didn't take into account like the like the cost of it ya like we thought it was just like oh standard like oh like twelve dollars is the base but actually is twelve dollars per pax then we were like oh


ya ya ya oh I I


which one was that ah, (uh huh)


wait I think I was there I can't remember,


okay so you're thankful for food ah is it thankful for good food


I mean uh I mean it as in (hmm) as, I like what , ya I as in ya I I don't have a particular like comfort food lah but like there's a lot of things I would just go to and eat lah but cause like most the time I spend like


at home so I most of my time I spend uh at at home so I don't really like eat uh outside food so when I do then I it just feels like very comforting ah cause like by the time I'm going to that place already I already like like really like craving for it already so like it's like


really comfort me ya, oh oh my gosh uh


oh my gosh uh uh excuse me sorry my my screen time how , eleven eleven, okay sorry I can


uh err, not not really a particular topic it's like I I would like to talk about ya, no I didn't really receive much most insults lah I mean


I guess that's how I I guess that's how like like like the kind of group I had I've been I mean in JC or most of us are just insulting each other instead of complimenting each other ah so but in the end the the I guess the insults were the compliments ya ya,


I think I I I can't really remember much but about it but I think uh he one of the compliments I received was like getting referred to that what's that thing what's that thing called oh ya the a monkey ya I remember,


I'm I'm not sure whether you know who call me that ah but ya it's a bit short, , oh ya we were playing catching around some bookstore or something like that ah and then he recorded me


oh oh (mmhmm)


ya ya


oh ya (mmhmm) ya, and ya ya


, oh


ya oh ya ya definitely ya , uh, okay like okay again it's uh when I was a kid ah so basically I told my granddad I instead of saying I wanted to be


a fireman I told him I want be a fire truck ya then after that he he he he the I the ideas took to to him ah then he when he when he came to my birthday then he he he just like ya here's the here's a truck you wanted to be then I was like oh okay thanks and then like, ya I was I at that point of time I was like really really happy ah because I really really really wanted to be a at that time fire truck


!huh!, no no no no no as in I didn't know the job then you know so I every time like when I was walking I was like oh the siren then like it just like kind of ya, that's the only thing I remember I mean when you see the vehicle like driving by you don't say oh that's a fireman you know you said that's a fire truck so


(hmm)


oh I'm confused I I don't know why when you told me that I keep thinking of code code name kid kids next door, ya


, oh so have you been running


, (uh huh)


(mmhmm) , ,


, alright I guess that's it about for positive experiences, me


financial related topic


so <P2>hee rin</P2> do you have any experience in uh shares


I think personally for me like I see a lot of value in shares so over the past few years I have been uh investing here and there uh mainly blue chips in singapore but I'm, uh quite eager to explore the US market because I think there are great opportunities there


ETFs wise I used to trade it , on my uh when I was quite when I was say about two to three years ago I used to have this uh trading account , that would that would allow me to trade uh US related ETFs so I I I actually used to uh buy and the SandP five hundred


uh for awhile but then uh once like university started and all I was quite busy so I just took profit and just uh closed that account I guess ya, (ppc)


uh ya because ETFs are way more diversified uh so so you actually uh, ya correct correct so you have like uh different industries different regions different asset classes


you you're not considering uh singapore stocks first like


correct but like I think personally for me like I think it's it's quite important to remain cautious as as of now cause like everything is actually going towards a bubble like if you if you realise there's a big disconnect between like your equity markets and like what is happening with COVID and all because


in like in in like financial terms or like in in economics when you have pandemics like this the equity markets should actually be collapsing, but because of how much money the FED has been pumping in like your equity markets, they have actually surged to like


record high levels for like the SMP for example and like you have all your your US bank stocks and all they're like, rising at at err a very exponential level, so actually some of these uh cautious in that uh in investors are actually


pulling out some of their money uh they're actually pulling out some of their money because they're worried that there's gonna be a big uh drop and it's going to be a crash coming soon ya


in my in my earpiece why


ya same mine everything is coming from my from my earphone, ya sure


uh no I don't , I think personally for me as of now


it's just me reading up on like websites and stuff, but I do definitely see the, the reason why people actually going for robo advisor, in a way that it it's very convenient and , with like


they with uh with a kind of like, machine learning imbedded imbedded in them they actually make like uh good decisions, but I think , what, uh the the reason why it's not probably doing as well as expected in terms of like people hiring uh robo advisors is that


uh I think some people prefer to hear a human voice on the other end of the call uh when they're trying to make decisions or or you know when they try to buy a particular stock or like uh ETF they'll they'll they want to hear, uh the sound reasoning you know rather than like


than having like a machine kind of, uh pull out like just, robotic messages you know, ya so I think ya what about you


ya and like the other perk uh of having this robo advisors is that the commission fees a very low so like for example if you if you if you actually want someone to actively manage your money uh you put your money like mutual funds right and these are these are managed by people who actually


uh, monitor the markets like all the time, uh but however these people actually charge very high rates, uh higher rates, the fund managers charge a higher rate compared to a robo advisor, so maybe that's the reason why people would would rather choose a robo advisor


for the low commission fees ya, I'll use okay ya, what about, what are your thoughts on singapore saving bonds


so it's just like , it's very similar to you putting your money in a sorry, it's, but so bonds are basically uh uh type of another type of financial instrument that is that, that is super safe like , it's very there's a very low possibility that


uh your your bonds can default you know in terms of like fluctuations wise uh it's very so it's basically low risk low returns, uh I think, I think singapore I can't remember what is the percentage used maybe it's about one to two per cent


but it's definitely higher than, the the returns you get is definitely higher than putting your money in a fixed deposit in, in like a bank ya, ya so like usually people when they want to diversify their their portfolio they'll usually put like say maybe like ten to twenty percent of their capital in


in like bonds I mean not necessarily singapore bonds but ya


but endowment endowment fund isn't a bond right, I I I can't exactly remember what an endowment fund is


okay ya it's quite different cause, do you like when like when do you plan to start your own like to open your brokerage account


right right ya I I think personally for me I I I mean I do have a brokerage account uh it's called the Phillip Securities, ya so I've been using it uh for all my singapore all my singapore investments ah, it's pretty good I guess


in terms of like they, they provide you with like daily research uh that comes into your emails you know if if you want to read, or like what's happening in the markets or like is there any like like interesting, stocks to actually look at because they for for certain stocks that they


that they see is good to buy or sell they will actually recommend and they'll give like a short uh reason, and then , ya like if you have any if you want to talk to your broker and all you can just call the person up and, ask like ask any questions related to you know any particular type of investment and


they will actually , give you like a like a, like a good like ya correct


ya what else, ya and I I'll I'll oh I've also have experience in trading forex actually so forex is like you know your your your currencies basically, uh so like your US dollar your singapore dollar so I was doing that a lot when I was in the army so I I took up like a few courses to uh learn more about uh how to actually trade them what is like


definitions or like terms and margins leverage and all that ya so I just started, playing around with like those you know those trading simulator accounts, where you're not putting in like real money, ya then after like, ya then after gaining like some confidence and I decided to open up like my own trading account


and then I, I started playing around uh playing around with actual money but then like uh the the the, the thing about forex is that it's actually high risk high returns and usually after a while it's uh it's like a


it really plays with your mind so like after a while you tend to be more greedy you tend to put in more money on the particular trade and then you actually try to be quite uh cocky and you know you you don't tend to uh so the system called is stop-loss so like for example I mean do you know what a stop-loss is


ya so, ya correct ya so like one of the main mistakes I made was that I actually put a stop-loss for some of the trade after a while so like, during like the whole brexit period where things will go fluctuating very crazily I actually lost a fair bit of money and you know after that I was just like oh I think I need to just


close up everything cause, like I think that was in year one semester two or something, and like things were really very busy and I couldn't see like I I didn't have the time to kind of juggle and all, so I I just closed everything like I mean I made some losses as well I just sold everything and just decide to close it to close it up ah


ya what are your thoughts on that


I think definitely investing is not at all related to gambling because usually when you invest you you go in with a view that you are not going to take out the money for a long time and that your your your your whole point of it is to grow your money over like certain number of years


ya but however if you look at short term trading, where you're actually trading it's called intraday trading where you actually just look at your computer screen like the whole day and you try to make quick money and , you know you are not doing a research and you just looking at like oh I see like this currency moving up I'm just going to jump on the wagon and see where it takes me I think that could be similarly perceived to gambling cause


you are just putting your money out there you know without like even thinking of it and you just and the more and the thing about intraday trading is that, the faster you earn more money, the more the more greedy you kind of become and then, you can really potentially lose all your money at one go


so I think it's it is similar to gambling in a way that you know you can lose it you you can lose everything you make, and you can even walk out like, without anything you know like, with whatever money you you brought in you could have just lose everything, in a in a matter of a few hours ya


ya ya like so it's it follows like the herd mentality ah they see that the stock is rising they will just jump on the band the on the bandwagon but then most people don't know when to exit you know because at at any point of time the stock could just crash


that is where like your research comes in because you should you know really read up on like what's happening in the in the market firstly what's happening uh in that particular company itself you know like read up more about like


the company's news or like you know is the company doing anything for its shareholders is the company like uh actually making money uh how's the revenue you know you just look at the income statements and stuff like that so


so usually people stick to the, I mean usually like the advice given, by like you know warren buffet and like bill gates is that, you you enter when the price is low, and you exit when the price is high, I mean this is actually easier said than done but then like


I I I guess it's more of like if you feel that you're ready then you just put in the money and then you see you see how you see how it goes and then you read up on like the news daily and then if you see like you know if if if if after awhile you see that !hey! like it has reached like what I think


is its threshold or like , what is it's like maximum point, then you just take out the money and you exit , or what's what some other people do is that if they really cannot tell , when to leave they they'll actually start putting in more money along the way so I think that's called the dollar-cost averaging


so in in, at the end of the day it kind of like averages like your initial investment ya it also it also limits a risk, and then ya so because usually most people what they do with stocks is that, they will just buy, and then they'll they won't even monitor it


for like a very long time, like I think that's what I did with like some of my singapore stocks that I bought like four five years ago I I actually haven't really realise like how much it has actually grown until like they sent me like letters with like dividends or like you know like


just like if I one day just look at it, because most of the time I actually don't don't like monitor for like singapore stocks wise because I know that it's more for the long run but then of course, but but then of course


ya ya correct but then I feel that I feel that that that that's not really good as well because you know like one day the whole company could just grow robust and like if you have not been like monitoring the company you wouldn't know you know like what's happening in the company itself, so you actually stand to lose a lot ya so I think that's something I need to relook at I guess and like reassess ya


ya ya, so if you have if you have one million dollars where would you where would you put your money in like right now


I think for me , uh I would put like say , fifty to sixty I think I'm quite uh adventurous kind of investor, and one million dollars to simply invest, I I mean I wouldn't I would definitely keep some as cash for sure I'm not gonna invest the whole one million dollars I would say put like twenty percent aside no sorry I'll I'll put like say


forty forty percent of my money aside to just keep as cash uh given you know like the uncertainties in the economy and then out out of the remaining sixty percent I would say I would put like , ten percent in bonds, maybe


forty no maybe thirty percent, , thirty percent in equities which is like your stocks and then the last twenty percent in like gold, because like gold gold is something that is I mean


negative experiences, so <P2>hee rin</P2> what keeps you awake at night


I think for me personally is that expect like I don't meet my own expectations


with regards to you know academics with with result with regards to like life with regards to, attaining an internship with regards to getting your first job things like that so, I definitely worry about these things here and there, especially like this semester where I'm so busy I'm so packed you know


trying to cut down with like social life you know there's just so many things going on so ya and like, it with a even though I have like, I barely sleep nowadays like maybe three four hours and like even then like, ya even then like I still think I still quite


spend some time thinking of like, my future and like just quite worried I guess ya cause this semester is like the most important for me, in terms of like attaining an internship and in in terms of like, doing well I guess ya


I think it's definitely achievable because I've had seniors you know get


something that, get get what they want and I I want something similar or like at least the same standard as them but definitely this time would be way more harder because of uh because of COVID


and because of COVID you know like it the whole internship process has become, completely changed where you don't have like the face to face interaction anymore everything is over video recording and like do you know impressions and everything


are very different so that's something that worries me as well because like maybe like the the past one year also like, all the all the all the talks all the talks and things that I've kind of attended, they they really focus on getting on striving towards like the face to face component


but like uh in terms of securing an internship now that that that whole thing is no longer there so I guess I have to kind of pivot and like try and make sure that, I make an impression on like


okay now I can hear you


oh I I knew you were gonna ask that I don't know why ya, I felt like giving up I think like


the most recent experience of like I can think of was like, uh, year one, year year two semester one year year two semester one ya where it was the first time I was taking six modules and it was quite heavy,


and then like towards like the finals period uh I had a I had a schedule where I had two finals in one day actually, , and uh I think like the whole toll of that semester had I mean the the whole semester had had taken a toll on me so for one of the for one of the exams


for for all the modules where uh, which had a clash of exam day uh I actually didn't prepare much for it so like the night before , I actually like slept for three hours and then I woke up at like twelve AM, and the paper was like I think eight AM


and I told myself that I'm going to study all the way ya because I only slept for three hours, and , I think like about like four AM I started feeling sick, uh like really sick, and I was at the I was at uh what's that called ERC


and ya I was feeling very I was feeling very sick uh I felt very nauseous and stuff like that, and then I was actually like deliberating to, should not attend the exam at all and you know, go to like go to a clinic and, like get it justified


uh ya and I was like on the verge of like you know completely giving up, but then I was thinking you know like, at what cost because like most likely they will make me redo this whole module again, and I didn't I didn't wanna see myself, redoing that same thing over again


and it will also affect like my future modules cause that math the particular math modules linked to future math to future math modules, so if I don't clear it in that particular semester then, it would probably drag on like others to drag on other modules as well, so I told myself you know like at four AM like whatever I studied I studied you know I'm just going to go and sleep


but I took I took like a panadol, and then ya I just did my best I guess


ya makes sense you're right, ya I mean here, and I mean I definitely miss my my bed like over here I take so long to sleep when I go home like the moment I the moment I go to my bed I just completely collapse


ya and I think like the bed here is quite small given like my size so like


so like it, takes me quite some time to sleep, compared to at home where I have a bigger bed and ya


you have any idea I'm I'm okay with anything


if you if you have ya if you have one idea you can go ahead I, need to think, ya any encounters in


for me honestly I can't think of any for now but I think I'll answer the first one where, uh recalling a situation where I was, forced to change my plans, uh against my will, but for this incident I wouldn't say it's more less against my will but it was more that I was stuck in like a dilemma


and uh I chose the one that kind of benefited, me more in terms of like career wise so like, this was say last year in october, when I was in year two semester one where I saw that


there were these two opportunities for me the intern for six months uh one of those at Morgan Stanley and the other one was at Citibank and they just had open up like applications and then I told myself to go with the flow you know just apply and see where it will kind of lead me and to see whether would I actually get it


, and ya and then when I actually got an offer from from Citibank, then it kind of hit me hard that if I choose to accept it, then I would have to kind of no longer stay in Tembusu for my next semester


and , ya so that kind of hit me hard because uh most of my close friends in uh have uh in uh university have been from Tembusu uh my my my floor mates and, uh I kind of like realised that I wouldn't be spending


that whole semester with them mainly uh if I choose to accept it, uh but then I was again thinking on the other end that if I choose not to accept it then you know I would have lost such a big opportunity because I feel that, , you know you should always grab any opportunity that comes knocking by your door


and uh I know that friends will always be there for you you know , regardless of like what the situation or what the scenario would be and uh you know I was always thinking that I could definitely meet them on like weekends or like you know after work you just drop by to Tembusu


, ya but then like I think it really hit my friends super hard because I went through the whole semester without telling them and uh I only decided to tell them once finals ended so like after finals ended I told them you know uh you know let's meet up for dinner


and then I I broke the news down to them over dinner and like they were like all shocked because they didn't expect that, and actually one of them , was think was actually thinking that I was I was actually joking and I wasn't being serious and he was like you know


uh show me like show me the offer email you know I'm other some not going to believe you, and you know like I saw like you know like the the sadness in their eyes when they kind of realised that I wouldn't be staying, with them cause, like there's a huge difference between


being friends with the person and like seeing them every day or like for a chunk of your for a chunk of your time and, I know that I wouldn't get this experience again because when I come back in Tembusu they most of them probably won't be there and ya as as of now you know none of them are there because of zoning and all even even if one of them is staying here a week we can't like meet each other often because of the whole zoning restrictions


so ya so in in a way like I had to change my whole plan, you know I didn't, didn't really anticipate this kind of happening, and this this whole the the whole internship also kind of affected like my future modules I had to take so that's also partially one of the reasons why I am doing seven modules this semester because of doing an internship so I guess like a trade off but


you know it is what it is so, I've kind of accepted it , ya, no regrets definitely ya, ya ya definitely uh like got a lot of experience uh networked a lot learned a lot about the bank


so ya I guess it's a it's like a like like I said earlier it's like a trade off you know like you you can't always get everything in life you got to you got to learn how to compromise I guess


honestly no but I'm kind of unfortunate I'm kind of happy for that because if I know that I have lot of close friends in my zone then I'll be spending a lot of time hanging out with them so actually this semester even though I'm staying on campus it's a lot of alone time you know like I, uh because of how pack my my timetable is most of the time I'm like getting lunch on my own


or like at breakfast or dinner I'm just eating with like, random people from like my zone and just having like a very quick conversation, uh rather you know like having a very heart to heart conversation like you know going to people's rooms which I used to have the experience previously it's a whole new different experience ya ya yup yup yup {oh] right


positive experiences


so <P2>hee rin</P2> what makes you persevere, no my my mom is from uh africa and my dad's from


singapore, I'm serious my mom's my mom is born in africa, she's she's born in ya she's she's born in uh Lagos which is like, , which is in uh nigeria


ya but then like obviously we're we're like indians but like they were they were I mean she was, she was brought up over there and then she did like high school, and boarding school and all in uh Pune, Poona and Mumbai ya


I mean she came to singapore to see my dad and then they got married ya


I think personally for me like , having seen like how I mean similar to you I've seen like how grateful I've been and all like, from like young you know not not having required to uh work part time or you know like to like do any like odd jobs to like make ends meet or you know to like support my dad in like anything so uh I've been very grateful of like my whole experiences in life


and uh definitely like going forward in terms of like starting a family and stuff I want to make sure that my kids , also don't have to suffer or like you know they they will have everything there for them and you know so in the sense that the whole sense of like


being financially independent, it is like the main goal for me and uh having been brought up in this country where you know we are also driven by own personal goals I think that is kind of like, uh instilled in me as well


uh where I really just want to ensure that I get a good job, get like a good posting you know like uh ensure that my career is progresses along the way where I can make enough money and you know to settle down peacefully here in singapore or maybe abroad ya


so and definitely like parents wise have has also influenced me in terms of like uh having seen or like having heard stories from them of like how they have struggled along their along their journey, has also made me more firm you know to make sure that I don't have to go through that or you know make sure that


my kids don't have to suffer, ya , guess it's the indian mentality ya


ya definitely ya, ya, so in the in the post COVID world what are you who are you thankful appreciative towards or what, I mean like I mean like right now I guess


like you know like there's a big difference, yup, ya ya I guess I guess so


ya I think for me I'm looking at a very different uh another different perspective of like I'm kind of like appreciative that, I can actually go out a lot more cause like you know before COVID like you you would you always take for granted whenever you go out you know like you you you wouldn't like assess or like you wouldn't like analyse like okay I'm going out so often


but then like during like uh your circuit breaker period where you know you're just constrained at home, then then you realise like how like how significant like going out means to you, and you you you actually cherish going out a lot more , like right now like wherever I go out you know I I make sure that I completely like enjoy the whole experience uh because you never know what's going to happen again you know I mean touch wood


uh phase three happens but like ya uh you you get what I mean and I think like during during the during the whole circuit curcuit breaker period ya similar similarly like you, I could spend a lot of time with my family, I was also working from home so you know like I didn't have to like telecommute and stuff so ya I was mainly staying at home so you know we could like play like family games like


board games and like you know just having like a heart to heart conversation sitting, sitting for lunch and dinner together uh on a daily basis was something quite rare you know given like all of us have different schedules so ya I think it was a very good thing and you know like now


right now like given that I'm staying on campus and all uh I actually kind of miss the experience you know like of just being with family like everyday


what are you looking forward to like for like phase three or stuff like that, is there anything you are looking forward to


I think like the meeting I'm kind of looking forward to is playing football with more than five people because like because like right now , they only allow five people on the pitch and it's so boring to play with five people and it's it's also not worth to pay the money because like


at the at the place where we usually pay at at the place where we usually play at Kallang uh we used to pay like nine fifty for two hours uh and then you have fifteen people where you have three rotating teams so that means at one point of time you are you are you only have two teams of five playing


so it was it was quite worth an experience but then right now it's like you have five people paying forty dollars for an hour so like each person's paying each person's paying eight dollars an hour, and like how how on earth do you play like two versus two or like a pitch you know so it it makes no sense so ya so I still have not touched a ball since like pre since like pre pre COVID days


so I think that's like one thing I'm kind of looking forward to , for phase three, and then secondly , definitely looking forward to traveling, like, ya so I'm kind of hoping that , exchange is not cancelled for next semester


I mean it's I mean I have like II have like zero expectations because I know it's likely going to be cancelled but you know there's like this glimmer of hope that hopefully exchange so does happen, uh because I think that exchange is like a once in a lifetime opportunity where you don't think of anything else you don't thing of like working you know think about making money you don't have to you do you maybe grades wise you just have to pass but like everything else is you are you are more focused on like enjoying you know with like friends travelling


and you'll never get to experience that because after university like you are more focused on, , earning money your work, your family , ya so like this is like a once in a lifetime opportunity and like for my case


it's either make or break because in year four for for my faculty unlike unlike a business school uh we're actually not allowed to go on exchange anymore unless you extend for one more semester, uh but I just want to graduate as soon as possible so if this doesn't happen then


I guess the options is gone , ya yup, in US so I have a, spot in uh this place in Philadelphia called penn state uni Pennsylvania state of university ya so that's like three hours away from


uh #new york city# actually, because it's like, ya definitely but like you know just having that hope I guess I mean that small glimmer of hope, I mean I like, say like if you go back like one one month ago I was


very optimistic but like now but now not anymore ya


what was the best meal you have ever had


oh I wouldn't say best meal but like one of the best burgers I've had definitely hands down Hans Hans im Glück, ya it's so good ya I went there for my birthday like a few, two years ago no one year ago but like


we still go there quite often as a family like maybe like once every few, uh weeks or so, and the burgers are so good I think like I've, like my whole my my whole aim of going there is to make sure I try every single veg and vegan burger , so like I I okay


ya I think I've tried three so far but but ya I want to aim to finish to try all , cause ya, I think it's about sixteen dollars and then you get like a burger and, uh a drink and fries uh I can't remember is is there a drink ya


which is pretty worth, ya maybe maybe ya but I think the burger on its own is fifteen dollars, ya ya but, really you need coffee !wow! ya


and it's like one of the it's like one of the few places that has so many vegetarian and vegan options cause usually when you go to burger places you only have like one or two options top you know you you you you wouldn't have like five six, that you can choose from


ya and it's it's also like a very super filling like you know you don't have to like order anything else, ya ya ya I have, I have been twice , I mean for me like


it's small it's small, but and I felt I find the mushroom quite chewy, very chewy, ya I'm not a big fan of mushrooms but like when I go there I I usually get the meal because it's quite worth I mean usually have the burger with the fries and the milkshake


milkshake is like the the the milkshake is the highlight the milkshake is the highlight of shake shack, it's, no it's sweet but then like, it's worth it , the salted the salted caramel milkshake is like one of the


best milkshakes I've ever had in a while, it's so good ya ya you should go, go go with guys go with you guys ya sure ya I one of like uh one of like my Tembusu friends right like I I think it was one of my friend's birthday


all all all the guys got one milkshake each, and we're all we're all just thriving, no but it's worth it's like six dollars but it's so worth, like it's it's like I rather just go there just for the milkshake and fries like screw the burger just get the milkshake and fries ya


have have you tried the cheesy the cheese fries, oh okay uh uh, uh it's quite decent, oh, oh okay okay right, right


what about you like what's your


it's it's completely vegetarian or is there like mix, oh okay I never heard of it , it's it's all chinese is it


I have like a list of places I want to go, ya ya cause like, like for me I don't like ordering by GrabFood like I don't see the I don't see the the ya ya firstly delivery and secondly like you lose the whole taste you know


ya like for me I'd I rather have the whole restaurant experience where you is waiting there for the food to come and you know just devour it instantly , and rather than you know waiting for, uh the Grab driver to come it takes like quite some time to come


financial related topics


I don't personally have any hands on experience on on all of these investment products but, my dad is currently doing US stocks every single night so I do take some time to just sit with him and kind of, learn the processes


what about you


but typically ETF's are more safer compared to, shares am I right right, so you're not pulling you're pulling a risk instead of putting it like completely one


ya I mean I do plan to put in my first my first uh share of price inside a US stock by the end of the year lah so that's kind of like a little goal that I have, but aside from that , because I


I mean ya for sure but I was thinking since my dad's already like heavily invested in US stocks and then I might just learn from him itself instead of like learning singapore market cause I I did heard hear that it's, moving rather like at a consistent pace and that's not heavy that there are no heavy fluctuations but compared to the US market where you can really just


gain and and lose drastically in like a single day so like I had like this mentor right my mentor from my previous internship his uh his stocks for US like in one night he earned twenty thousand dollars, so it's like like, massive uh massive amounts of monetary gains I think like


ya so since my dad's already kind of like, learning the ropes pretty well so I might as well just venture into the deep ends straight away


ya right now right


even like my dad was mentioning how that even though some news reports like elucidate that this particular stock or this particular firm isn't doing well people still, purchase a stock like opposite to the to the statistics and opposite to like the news report so it's like it's clearly just like fabricated right everyone's just buying and creating like this false bubble but it's not like actually a rise and demand for the stock so I think that's something


not from mine I I think, I think it's from yours I think, but like when you speak there's like uh there's like an extra, voice coming I think so, I'm not too sure but it's not from mine lah


should we move on to like another question okay let's see, , do you use a robo advisor to invest


I guess I guess since it's like a it's like a thing with money people will be more cautious and wouldn't really want to trust like AI yet I don't I don't use one but I have a friend who recently talked to me about it and then, and she was talking about how like she put in two thousand


dollars before COVID and then of course it dropped for a while and then now it's, only at about two thousand sixty when like it should have risen quite a bit which uh which was like quite a shock for her also so I don't know whether these robo advisors are


amazing in terms of like reliability so I guess like but it's it's good in a sense like you don't really have to do any of the work right so I guess for people who don't have the time to consistently monitor their stocks and like keep moving them around I think this is like pretty


sustainable


the fund managers is it, maybe ya maybe like it will, be more , suitable for that, ya


okay, I'm not very aware of what exactly singapore saving bonds are maybe you can tell me more about it


safer right


but what's the what's the difference between putting your money in bonds and putting your money in a endowment fund like if both of them are stable and both of them, give you like sort of similar, low but stable returns then it's the kind of the same same thing


isn't I think they in, endowment policy rights since the insurance so like you put in like a certain amount of money then they will invest the money for you but the returns are mostly like stable


maybe like they invest in maybe they invest in bonds I mean that's maybe the reason why it's like, risk free like risk low risk


maybe by the end of the year lah probably by the end of the year I'm still a bit like like, worried to dip my toes into like this whole finance industry but I think that I think that it'll be worthwhile especially when you trying to get like passive income for the future


but it's nice that they do send you those like daily emails kind of thing cause I know from, what my my father does that he has to, he has to go onto all those finance websites like uh yahoo and everything to see and monitor like independently


ya so you prevent you put a certain amount right to prevent like it going further


okay so I mean I guess that leads us to the question right do you think investing or trading is, similar to gambling, I would say no, I mean there's definitely like this whole


level of uncertainty involved, right cause you really don't know what's going to happen it's like you're taking a really big risk with your money and your assets but I don't think it's like, you're not like, I mean as as long as it's not compulsively doing it I think it's fine as long as you're like you know doing your background work and seeing whether every company is or every firm that you're investing in is like


sound of financially sound and I guess, I wouldn't call it similar to gambling I would just say it's it's uh it's another way for you someone to earn like


but I find it so fascinating how like one can just see like a increase of like maybe like a few cents or maybe like even like a few dollars right and then they just quickly they quickly sell it at that point then they just make a quick buck from it but I can see why like potentially addictive


and also potentially harmful for your


when when do you feel like it's a good time


maybe not enter but maybe like like you have already been monitoring and doing your homework right but then like when is a good time to like buy the stock because I I've seen like like nowadays right every every single stock or not or maybe not every single stock but like the stocks that I'm noticing a lot my dad's noticing is like


they don't they're not predictable at all anymore so it's like very difficult to know like when's a good time to sort of buy


those more more like those more like those more like those stocks that you know that will do well no matter what


you start you say first I need to think about this


oh okay, right, okay I would say I'm not very adventurous at the moment because I haven't read like completely invested myself into it so maybe I would save more maybe forty percent I would just keep it aside and use it for maybe like more


more not very risky stuff like maybe endowment policies or maybe investment linked policies and then the rest I will probably put it in some more some riskier areas like shares and stuff time's up


negative experiences


like in a negative way right (hmm) oh, recently I've been very freaked out about this whole hungry ghost festival then I keep thinking about like all these things, so and I keep watching some I keep watching some nonsense and then I keep thinking about this so I guess like sometimes I feel scared like to sleep alone at night even at this age other than that sometimes I just like


think about like the future I think the future is quite scary to think about especially like cause right now you know I don't have a fixed idea of like what exactly I'm going to do in the future so I'm, I mean I have like uh I have many different I have narrowed it down to like a few areas of interest and few possibilities but at same time I still don't know what is


it going to be for sure so I guess that kind, of scares me thinking about it because for me I don't want to struggle in life I don't want it to be like uh oh no I don't have enough for this I don't have enough for that I want it to be very smooth and comfortable so that's kind of worrying ya


but to be honest like don't you think don't you feel like you put like quite a high standard for yourself to achieve like do you feel like it's achievable or do you feel like it's like, you know in fact unrealistic in a sense


zoom , ya, ya I guess so I mean like I think the the one thing that like really makes me feel very nervous is thinking about like the future because I don't know like even recently I've been having like all these conversations with my friends and like thinking about you know all these things like marriage or like having kids and everything like I feel like it's something that we're all taught to


follow all taught to believe right but, is it really like the ideal like for me, is it really like something that I should strive too, or is it just something that everyone telling me to do that kind of thing so I've been having these like thoughts also but I think for now like the main focus is my career and


you know whatever happens I need to make sure that you know I I finish university with like a good degree and then you know try and find a good first job also because I don't really want it to be like a a, mundane job that you know I would regret going to and I mean ideally the best would be like you know slowly trying to work on a side business on my own and then maybe expand that instead


ya so that worries me because you know it's not easy, so I guess ya these thoughts, and also oh another thing that I've been thinking about a lot right is, about savings because, I realise that like


oh I press it is it, okay sorry ah ya so I was thinking about like savings and how to make sure that like my lifestyle right now it's not detrimental to my future in terms of like money cause I mean I I give tuition or earn like uh about like


maybe about hundred and fifty dollars a week right so I mean I do apportion some of that money for like my own lifestyle stuff like my gym and and that kind of stuff so, I need to make sure that like whatever happens I have some amount of that I'm that I'm saving and then or like I'm doing something when this


spare cash you know I'm not like just keeping it somewhere or like spending it so I guess like these thoughts were in me because you know the moment we graduate we have to think about like you know buying our own insurance and, like you know arranging for like where our money goes you know paying our bills and that kind of stuff so I guess like all these future things kind of really scare me


describe a time when you felt like giving up


oh you had oh my gosh


okay well that's intense though I mean, and then it sucks how like everything boils down to just one (ppc) one exam right ya I would say for me , I mean I think it's something related to this but


it was one specific incident that I remember so I was preparing the next day I had like this major IEM presentation right I think that you're going to do that some day soon right, ya for this course and then so I didn't start on my present I mean I knew what I was going to present and everything but I didn't start on the slides until like really late cause I was really bogged down with a lot of other assignments and submission and that was also the semester that I was doing that I was overloading I was doing like six or seven modules I can't really remember


then so I started on it like super late maybe maybe about like ten PM or something and you're supposed to submit it like the day before okay but I didn't do that but it was fine cause I mean I think cause <P2>jean</P2> he he likes me lah so I think it's okay , but then so what happened was that I was doing the slides and then I realise that there were so many things to do


so I kept doing it just kept doing and doing and doing and then I just kept having like all these like , breakdown like do do and do because I was just like why am I doing this I mean this is just a presentation like why am I spending so much time on it right and I was so exhausted from that whole week so just like that whole pile of emotions just kept like


you know affecting my ability to focus and do it properly but eventually I submitted it probably about like four plus or five plus and then I slept and the and then the class was at ten and then I went in for the presentation, and it went really well but right before my presentation right my friend he he messaged me and then he told me like cause I had I'm supposed to send it


to someone to moderate or like see the presentation slides or something like one of your partner or something and then when I send it to my friend he was like, oh my gosh you know yours you're supposed to only have uh a maximum of five slides, cause


I mean apparently like in his email he wrote like oh you're supposed to have five five slides maximum but then in the in the syllabus guideline it wasn't there so I just thought whatever right, you know how many slides I did, I had thirty seven slides so I realised that like


I was the one putting so much insane pressure on myself to make sure that everything was super perfect right when there was absolutely no need to do that like there was I literally had to do five slides be done by eleven and sleep right, but I didn't know that firstly and secondly I was I want to make this like a really good presentation I did like so much colouring and like all that kind of like you know those


aesthetic stuff and then I did ended up doing thirty seven slides, and I realised that from that incident I realised like you know maybe most of the problem is like self-made, like most of the most of the many of the times the reason why I am like stressing is because it's self created but not because like in like the things that are actually difficult so I guess like from that incident I realise like


you know sometimes it's just it's fine to not over achieve at all times cause I feel like you also right like I think we are quite similar in that sense that we like to over achieve and like try to make sure that everything's at the best that we can do it but then sometimes it's okay to not, not do that especially when it's at the cost of like our sleep our rest and


stuff like that ya ya I don't know I, have a very hard time resting do you have a hard time resting


oh the type of bed affects like your that's such an, old man thing like my own my parents have that like the type of bed affects like their quality of sleep for me is like I don't really care about them, oh ya that's true given you are like two metres tall


okay let's do one more


describe a moment where you felt like you were treated unfairly, I can go ahead okay so


in JC right I was in ICS you know what's ICS right intercultural society in VJ so so what happened was that , I was in the executive committee lah so then when I was an executive committee what happen is that like we were all in charge of planning this like annual performance have you ever been to the ICS performance


ya so we're all in charge of planning it right and making the script and everything so when I after I made the script and everything I've I really really wanted to audition for the main role of the performance, so it's like I mean this is the character that I kind of conceptualised and like I kind of was very familiar with I though that I would be able to act it out pretty well lah


so but the problem is like within exco there's a there's a lot of like feud in a sense like there's a lot like partiality and the favouritism going on and like you know there was another girl that also auditioned for that role but she was like very very close to the to the person who was in charge


and the person who was in charge didn't really and I didn't get along at all so like, I don't know like up up to this day right I don't know if like I didn't get the role because of merit or because of like, that whole partiality at play and like that whole you know oh I don't really like her so I won't really give her that role that kind of thing so I guess like there was one of the incidents (ppc) that affected me quite a bit in JC lah because


for me I I I really take pride in like in like the performance art right I really love to act and stuff so I thought that you know this was like one of the best opportunities for me to do so but then it was taken away from me so I guess like that was something that I felt like quite unfairly treated also because


I I really do feel like it's because of that whole favoritism thing lah because, ya it was unfortunate time but I guess it's over it's such a long time ago but I still remember it so I guess it did affect me quite a bit at that point in time


okay


no regrets though right I mean I'm sure you had a great like I'm sure you had a great internship with the bank for six months that's such a long period of time


but how is it like now like staying in Tembu is it uh like your zone do you have people like you are close to you in your zone


I guess that's the tier three [lah] we have to focus on like our career and our future already (ppl) ya okay


positive experiences, okay


alright , I knew you were going to ask me that question , what makes you persevere I would say my parents because I mean I think we are your parents is from india right were they from india


no lah don't lie lah


oh she lived in okay she lived in Poona, and then she came to singapore after she got married right, okay so ya so I would say like because both my parents are from india right their how to say


their values and everything is very inclined towards like making as much money as possible like to feed the family and it's not like you know for themselves or like to like you know in like invest deeply and all that kind of stuff because, all these things were not like the first thing that came up to them and their life what because you know they moved over from like a foreign country so obviously


it's not easy for them to adopt like more singaporean values and that kind of stuff so I would say like I've seen them struggle like with their jobs with like trying to you know just make ends meet and stuff like that so by


seeing them like living that life of like you know being a worker like not really be in control of like how to say like you can't just like you like you can't just go and make huge big ticket expenditures without thinking like, uh many many many times before doing it so by seeing this struggle I would say like this has


motivated me to sort of break this convention cause I don't really want to be like a conventional worker in the future like my parents are cause, I don't think firstly I don't think it will suit my style of like living I would say like another thing is also because I feel like my priorities are different now cause I don't really have to I didn't have to worry my


my life about like uh being fed or like you know having enough to, pay for my school fees and all that kind of stuff which I'm very grateful for so I don't have that same amount of worries and stresses so I guess , now my focus has sort of reshifted and now what makes me persevere is just


the fear of being a conventional worker I just don't want to be there so that's why I I I really like the whole idea of like you know having a business or investing my money in some place I mean maybe not investing so much yet cause


I mean I still I still I still feel a bit like worried about opening my own business or like at least thinking about, how to, reshift my focus towards that like that's like my new focus right now, so I'd say like that's what ya what about you


ya probably lah I think because most of our parents like they were not from here so they they did experience like a lot of struggle like trying to, start, you know start their career in a new environment also


post-COVID world what kind of world is post-COVID world we are still in COVID , , after after circuit breaker maybe like after being able to move around and everything,


what am I merely thankful and appreciative toward, I would say alone time, because I I would say like, during uh before COVID or I know and all that right I was very much like an outsider


an outsider outsiding going outside person who keeps going outside kind of, thing right so then before that also we used to stay in campus and then you know it was just really social life and social cycle social circle I was in that like consistently so I didn't really get a lot of time to sit down by myself and like sort of just think about life or like


you know have that time to myself, that special time to myself so I'd say like during circuit breaker and during that whole period where we were confined to our homes I had a lot more time to just, be by myself, and I really appreciated it that to the point where like now it's like I have to go out often I will just be like pretty slow and all so I would say alone time what what else


maybe also the fact that I'm with my family right so I don't, have to worry about like, , I I mean I'm always I'm at I'm at home like, most of the time like during COVID the go them them the peak period of COVID so I guess I got to spend a lot more time with my family and


and just you know, have a good time with them and I was also very appreciative towards the fact that like my family cooks so I didn't really have to like you know order in food or like go out and buy food so I was like very appreciative of that fact lah like you know there's always a meal prepared


ya that's true, ya, uh I guess it's like it was quite a nice like transition because , you know we got to like we were we were like abruptly uprooted from our campus stay right but then and I thought it would be like oh no, oh it's like you know you're completely just going to be staying with your family now so I thought it would be very challenging but then I thought it was quite a seamless transition wasn't so bad ya


I would say life is more or less back to normal already like


I don't see many restriction maybe maybe just like being able to hang out in larger, groups because that's some that sometimes comes across is like a bit of a problem, because let's say like a big group of your friends want to hang out then you have to like split table I mean I haven't, done that whole splitting table thing before but I'm assuming that will be a problem and then also like you know having the the hassle of you know removing your mask I mean keeping on your mask and like you know consistently sanitising your fingers


I guess all those small small issues ah like what I'm looking forward to do but I would see this is like kind of the new normal already like everything that we're doing right now it seems kind of, normal for us now so I think it's not too bad


okay ya that's true


ya wait so where do you where is your exchange supposed to be


might be tough though I mean US is not in a good shape right now


ya I mean same for me actually I mean I have if let's say I do get into NOC again cause the previous time I applied I got in but then it got cancelled because of COVID and then I I re-applied like literally yesterday was my interview so you know if I do get in again and then it's in in may right so I'm just hoping that I'm able to go because


like what you said right it's really like a once in a lifetime thing like like you know going abroad for school or going about to work, like all these things like I mean I'm sure you can go about to work lah but I would like to experience it like, as soon as possible so, so I'm hoping for that too


you say I don't know I'm thinking


oh I love that place it's a good place


is it I've I've tried like maybe I've been there twice I've tried like two vegetarian burgers, but it's quite affordable right like from what I remember


there is there is I think no I think it's like, twenty bucks right then you get a drink you get fries and then after the meal after the meal okay ya but I remember like after the meal you get like coffee also there's a whole package going on like twenty dollars for like all that


I thought it was like !wow! this is a really affordable good place to eat leh


ya it is it is it is it's a big burger, did you did you try like the Shake Shack mushroom burger yet, what do you think of it ah I I don't know, I've been once it was so small oh my gosh it was so small


oh I have is it


but is it ever, everyone was telling me that it's like way too sweet and everyone's like no don't get it don't get it so I was like okay maybe I won't get it, is it okay


is it oh my gosh every time I go with all these all these girls right they are like oh no we're not going to get any milkshake don't want don't want next time, next time you come with me next time you come with me we'll get like we'll get like the everything


(mmhmm), oh but it's like so expensive, okay the fries is like


I don't know, I don't like it at all I don't like it at all I think cause it's very milky it's not like the typical nacho cheese that you know you are more used to but it's more of like the milky kind ya, ya I really like eating out with my family cause we don't eat out a lot like you know very rarely because my mom is like super health


conscious so she would like, severely discourage us from eating out but like I love it when we go to like those like chinese restaurants to eat cause I really like chinese food so we always go to like those like uh vegetarian chinese places then we'll always get like those


you know those assortment of dishes and we just share that like, there's one that I really like have you been there Eight Treasures, it's at Bugis, I think like lavender Bugis area Eight Treasures it's really good, completely vegetarian it's completely vegetarian


ya it's good and it's not not too expensive also so we usually go there we also like to eat, chinese food ya so like you know all those like sweet and sour that kind of, stuff and then also I like eating thai food so I always eat you know #jai thai#


that's like a place that all the indians go lah so ya we always eat there also I like eating at at that place so I guess like the best meals that I have is like eating out with my family ya but nowadays I feel like when you go out with friends like you don't really know what to eat anymore so I'm just like what to eat what to eat ya


is it eh send me the list I want too, , I also don't so expensive


ya cause it's like cold and like, ya , ya ya


it it doesn't is not like the same but I guess it's a thrill in that also like !whoa! I'm ordering food like so often, there was the point of time I was very into the idea lah so me and my brother we used to keep ordering like stuff especially like bubble tea I don't know there was one period of time when it opened right then my brother was like let's get it so we just kept getting it but ya so ya I guess that was quite nice (hmm) I guess it stopped


okay how do you invest your money to accumulate wealth uh planning for your retirement


you can actually err saving, okay what strategies uh would you recommend to someone planning for the next decade expenditure like example uh starting a family buying a car house or et cetera


again uh saving it's uh important lah if you plan to do some something like that, okay


okay so you want to go back again or what, okay how do you invest your money to accumulate wealth uh planning or for your retirement


uh actually uh this is more to saving ah or buy insurance plan what do you think, ah


ya that's correct then ah, can we, what strategies do you recommend to someone planning for the next uh for their big ticket expenditure example starting a family buying a car or house et cetera


ah so buying house is actually an investment after a few years you can actually sell your property


then uh from there you make some money, how do you manage your financial commitments before and after marriage, okay uh before marriage actually we are more flexible because uh it's only for ourself but uh after marriage uh we are more committed to the family


uh, we we have to think before spend, cause uh it's not only for ourselves it's for the family


okay in uh post COVID world the what changes uh are you making in terms your spending and saving habits, I ah spend wisely meaning that uh by purchasing something we must actually think uh whether is in need or is a a luxury


so for me uh when I do spending uh for my household items I would find the cheapest deal and look for discount so I can save and, uh save to actually make uh full use for the next purchase


okay what do you think of fire financial independence uh retire early, how can one achieve financial independence


uh again this is more to endowment lah if you have those endowment then you can actually retire early uh someone one have to be actually very be very discipline to actually achieve this uh financial independence if one is not uh


it's not discipline uh I don't think so this can be achieved, okay what advice would you give to someone to get him or her out of the debt, okay err we should actually uh advice that someone not


not to splurge more and concentrate on paying his or her debt in time so uh they won't be any interest or finance charge


uh the thing is uh the timer is stop as as two ah, so I press the record button, the the timer it stopped at at two minute


ah, uh just realise ah !wah!


uh set as never Yang timer timer, okay standby ah just hold on for a while ah


okay uh


press record again okay ya yes, okay we just now stop at the fire thing right, okay what advice uh this one already done do you think uh one should own a credit card


err yes, uh I also think so in case of emergency that uh we need to purchase something one should actually own a credit card for important uh purchase or as


for now the more on online buying uh credit card is actually important, okay uh what advice uh would you give to someone in order to retire comfortably maybe uh to start saving when they are young


okay what are your thoughts on CPF contribution


okay err, singapore have actually set CPF contribution which I think this is actually important for our retirement at old age, this is actually quite uh useful, uh contribution that


can keep someone keep saving till they, okay err how do you manage your CPF saving what advice uh would you give to someone in order to maximise their CPF saving for their retirement


okay uh I've heard actually people invest in their CP CPF saving which I I, don't actually do for me my CPF savings is only for purchasing


okay err so, for me managing CPF is only for purchasing of, I‘m repaying of the house loan ah I don't do any investment in my CPF savings


okay uh what advice would you give to someone in order to reduce their income tax


yeah okay, uh that is to reduce the income tax that is correct that is what I did to actually reduce my income tax


okay what are your opinions on supplementary, retirement scheme SRS, err, this one uh it's actually a backup for you if you do not have any


err, solid err


okay uh how would you make a financial plan investment portfolio for your family or children, okay uh start their endowment early that means uh once they are born uh we actually sign up for their insurance endowment early so they can actually


err had a headstart ahead, uh uh ya correct as for now singapore has uh


the the , the study scheme is also expensive that's why which you actually, start early for the children okay how do you spend your money which expenditure is justify as what uh have you been spending too much on


okay uh for myself uh I'm having four children so my, expenditure is more to my groceries, err and having food uh sufficient food at home and uh ya, !wah! my spending is only on groceries lah


ya is still recording uh okay so, uh like <P2>rohaya</P2> this uh saving for the, house is actually good because uh, in future when he has a house then she do not have to have so much


uh debt, for renovation loan or whatever


I think this one uh we can manage on our own it's a matter of your own self discipline, to get a financial advisor not necessary actually


ah ah I agree on that also uh because as you age we would know we wouldn't know what is our upcoming sickness


yeah that's true okay uh how do you manage your cash flow, how much of your income is, allocated to saving expenses uh and insurance investment, okay err cash flow uh normally uh we should actually set aside for rainy days


that mean uh when we are in need uh there is a spare money that we can actually, uh use, and then uh saving I would say uh thirty percent or twenty percent what do you think, uh


expenses uh uh during this COVID time I think more should be more on the important things ah not for the non necessary thing, and then uh insurance investment insurance should just be ongoing lah is is if we are one uh is having


okay uh what can you do to earn extra income or improve on your income level, okay for me uh I like to, resell my item uh that mean uh used item which I'm not using it anymore or


oh that's good actually uh to, earn extra we actually do some side, uh sideline job lah okay uh, do you have the habit of saving uh have you how to ensure you made your saving goals uh


habit of saving uh yes but to, to actually save when you have a family is a bit too a bit difficult because uh you have to spend on your children as well, but as for <P2>raya</P2> I think uh saving is more easier because she


she haven’t got any , children yet how about you <P2>raya</P2> ya, once you have a family saving is a bit uh tight ah, because uh first have to be on your children first then the minor will be on the savings


okay uh what what one financial advice would you give, to would give to you five years ago


yeah same to me as well like actually uh, save more


okay do you have a saving account uh please share the details which bank and why do you want to apply for it and how was your experience okay for me myself I will uh I'm having a POSB saving and the bank is quite


err flexible with some late charges or what they will actually


okay do you have a credit or debit card uh share your experience and what motivate you to get one okay uh yes I do have POSB uh everyday card uh that is accumulating point where sometimes I go watson uh I do not have to pay anything


uh that is actually quite useful lah okay what is your experience of getting a loan and what was it for my my experience of having a loan was to actually uh pay off my renovation loan, and uh I'm currently uh with Maybank and uh paying on time is actually


, should be on time lah so don't do not incur any uh late charge or what, okay do you think couple should combine the finance uh and open a joint account or separate account why err


yes err, I think this is not necessarily ah when you can actually uh talk each other out, uh set uh joint account is not necessary


okay I think uh it's up to individual of their how their mutual understanding on spending, okay, at what age should the child uh be given a credit card and why oh I think this one uh uh the age of eighteen ah not too early ah


uh ya credit card is not uh meant for children ah they they once err, they actually should actually set in their mind, first of what credit card can cost it's not uh it's actually not a good idea to be to give a child a credit card


okay what are your experience in getting insurance products uh what was it for and how was your experience okay uh my experience of having uh insurance is more for my children uh I have the, uh


accident plan for my children uh since they were born that is actually very useful, because err when they are child they uh they are prone to uh, get injured and uh this