most memorable travel experience ah I think must be probably during my exchange it was like my first time doing like a solo trip when I went to I went to paris and I went to Belgium


ya so it was like quite nice and because is like quite cold also during that period that I go, then like I don't dare to go out too late ya like uh, like cause my my photo is died in a cold also so like I stay in a hostel then I go out and then and then when I come back is like super dark already then there was once I got lost


and then like my phone died, is like I reached the the same train station like like I don't know why I maybe I went to the wrong exit then it just looks different, then I got lost and then my phone died, and then I was walking past like a bar and then like they are like a lot of people like lay down there smoking and drunk so I was like !wah! super scared and then uh like but after that I just like keep rubbing my phone then I try make it warm


then after that then I finally got like a bit of battery then I faster run back to my to my hostel then at least I I survived , ya then there was another time the like on the same trip I went to Belgium also then, I went to Belgium and uh usually I follow google maps right then I will just follow whatever directions then there was I was about to leave Belgium to go back to Prague


I took I was waiting for a bus cause it's supposed so supposedly there was a bus to bring me to the airport and then I waited there for damn long eh like having like twenty thirty minutes something then freaking hell, bus never come, leh and then there was this school bus that came and then I was like it can't be this school bus right


then I went in then ask them then they like all know doesn't doesn't go to like the the airport then in the end I almost missed my flight leh I had to run to a train station it was like quite a long runs I was like so tired, then like I almost missed my my flight back then luckily like the the flight was like super like they don't they don't depart on time like I remember I got scolded but then I run there then in the end like the person who was like checking me in and like scolded me ah


then then I have finally reached there already then freaking hell they haven't even board the plane so annoyed , yeah I was alone then I was like so scared because like I don't understand the language and it's my first time travelling alone and then and I missed the bus I almost missed my flight


then I reach back back to Prague I got I got class eh then I like unpack and I go to school again, , memorable memorable that's why you ask me so it was very memorable ya you leh


, like what, oh ya then


, ah then you understand no , uh english leh


oh my god is damn tough , , oh ya


ya, how how many days where you at like over there kind of days and then like five days like you went hiking, what's your favourite one


oh ya that's not bad that's not bad ya but, quite like lion's rock dragon's back is not bad cause it ends at the beach, ya very tall


ya can see like all the buildings below ah I think is like good view of like the urban landscape, okay


, oh what, ends end meaning like there's zero pandemic risk in the world


oh what, I think traveling, uh ya, ya it's like you can't really go anywhere then now you can only go and eat but we go and eat also very scared cause like it it's just


not comfortable right like every time I go out then I come back then I straight away like have to like go and shower I clear everything then I'll sanitize all my hand cause like I scared like I Kena something then like I just anyhow go and touch my teeth cause I'll forget, ya I think like having that kind of like carefully it's quite it's quite good lah otherwise it's always uptight they use


, ya then especially like if you were in a gym right then do you have to wear a mask when you're teaching people


oh oh, ya ya ya lor that's the thing lor ya you leh what did you look forward to most


what's what's the first country you want to go japan do what eat Mochi, ya I think japan will be quite nice


oh, so sad !haiyo! ya lor describe


time when, , you experienced personal growth


because of the pandemic,


, why


this kind of time where like you know you're experience personal growth, (mmhmm),


ya you bought all the equipments right like just to just to film like camera, (oo) (oo) so you just like the microphone in your like, okay


me ah personal growth actually ya that's not easy question answer uh I think this year is a, years also lah because to me it's also lots of uncertainty cause like all my plants like obviously like got like changed so like am I'm a very I'm someone who is not very good at like


going along with changes in life like I'm super scared of uncertainty ah so like when things change then like I get like very super panicky ya but then it's quite good lah because like during this time like I feel like I got time to explore things that I enjoy


like cooking , fun leh is something that I always enjoy when I was younger but then like you know when you start work and everything then this kind of thing just like take the sideline cause like obviously cooking will not earn you that amount of money that you work in the workplace so is is a good time to


to relax lor it's just like think about what I want to do even though like I feel like I still don't have a very good idea of what like I want to do, ya still learning, ya


what are you thankful for, (mmhmm) ya that's true


, , you mean like a roof over your head ah a roof under your head !wah! I thought you say under


, okay uh, I think I'm thinks what are you going to ask me the same question okay, uh I think I'm quite thankful for education cause like singapore education is like quite cheap like primary school secondary school then like after that


poly and everything then there's always like bursaries and subsidies so like for example like when I was in poly like the overseas trips were like compulsory can you imagine like you become from one like uh not very well to do family and there's no subsidy, then you will be like super tough man or like thankfully like the school was like quite good like there's a lot of subsidy then like you get to travel a lot and like you get uh like experience a lot of things in life uh and not just like stay in your well and not know what's going on around the world so education is great


ya, laugh too hard !wah!, I only remember the feeling you are laughing very hard but I don't remember the time when I laugh too hard


ya is like, usually we will laugh very hard is like a very funny thing but it's very passing, like, like it is very funny at that moment of time but then after that it just like gone lah it just like out of your memory I don't remember leh a time that they are laugh too hard


you ever , okay uh uh how about, uh


when you can't wait to attend a special event of concert you're supposed to attend a concert right, oh for the concert


okay, cool okay, ya,


ya ya, (mmhmm)


I've never been to a concert before and then there was one that is supposed to happen this year uh the <P2>jay chou</P2> and <P2>JJ lim</P2> one you know ya, ya because actually is quite cheap for is I think like hebe hebe <P2>stephanie sun</P2> they all will be there also


I remember it's quite cheap because there's a lot artist ya then, I wanted to get but like it was like sold out like super quickly, then ya but okay lah I mean luckily it I didn't I didn't manage to get it lah cause like if you got it then what what's going to happen to the concert didn't even occur


I think in march also eh ya, so like in the end I never get and then I didn't get it and then my friend was trying to find on like carousell see or not like people sell but then don't have so ya is one expensive eh luckily you never buy if you buy don't know how to offload the tickets also


I don't know leh I never go and research but I think it'll be quite a hassle right I mean because you you didn't get it directly from the from the person then you get it from carousell then what's going to happen ya so I think that will be quite tough ya lor


I also think so ya lor that's my only experience looking forward to a concert they they didn't happen , oh oh the last time he he came to singapore


I haven't really invested before but I thought about investing uh ya I I've thought about investing


like I know a lot of people they invest in like uh stock markets or like properties but those feels very like uh, too much money if you know what I mean ya ya I haven't actually thought of it cause I'm not too sure how it works ya have you ya


, okay but you you you decide yourself like how much you want to buy or the amount that you want to buy


, is it considered like high risk or low risk


oh so so do you invest in all these ETS, oh


okay then do you invest in other stuff or it's just ETS, ya,


ya, ya I think for me is like more of the basic stuff like banking savings plan that kind of thing that's the closest one ah,


ya like I I think last year I started the the jumpstart account by standard chartered ya so it's like something like the first twenty K you get two percent per annum or something ya so I just dump like the amount in and then just left it there to grow ya


I think now I think now they decrease to one percent or lower I can't remember but I just left it there lah, oh okay I haven't said about that ya, (oo)


oh okay okay, I think like for standard chartered they have no lock in uh period or anything lah no commitments ya, okay I'll go check it out oh really okay


really are you sure and there's like no other as you know what is it called no fine line or what no fine printing, okay okay


which guy oh the <P2>henry golding</P2> ya, oh, I don't know why I haven't seen it lah, !wow!


maybe okay okay oh, okay nice I go and see then like recently I tried this app uh this robo investing app what do you call it like they help you ya stashed away like they help you to auto invest your money


ya cause my friend was telling meet was telling me about it so I just tried uh so I put like one hundred dollars in just to test lah but I think I don't really know how it works also , so, like every day you will drop a bit or grow a bit I think today it went up a bit and then yesterday you went down a bit ya


I think on average is like dropping but I still I still don't make a lot lah like it's just a few cents at the most, ya like ya


but even for my friend she put in like I think five hundred dollars, then she only earn about maybe thirty dollars for the last few months ya it's not bad, , ya ya ya ya ya


ya that's why I do too cause you if you hit the limit mah so it's like that's like extra money that you can put somewhere else or another bank ya I know but it's still extra I guess,


how how did you first get into investing like how do you know what to what to buy or like how much to put in


ya, ya


ya it's a , ya better than just saving and putting in the bank lah, ya lor ya


how old were you when you started investing, this year oh really I mean like those bank savings plan I started when I was younger lah like maybe ya it's not really investing ya lah but is is it no okay ya


, ya lor then I guess is like this year also, I don't know what to do man like to be honest I don't ya just wait and see how it goes I don't


ya ya so is like a uh is more similar to a savings plan right then, ya, ya I saw but I don't feel safe also cause it's like they don't have a physical it's not like a bank so you you don't know how is how safe it is lah in the end


I think ya, ya ya


ya I saw but then I don't know what you mean , , oh so even even if you lose you you won't be gone, oh


ya, okay oh you also did that


in stashed away oh okay ya ya okay ya, ya lor ya that's why singlife is what again okay


ya I go and check later, but I think the best is if you got money right then I think the the best thing to invest in is like probably housing in singapore, , uh ya I trying to oh ya ya ya so no we haven't employed yet is in august ya so haven't haven't


I think the thing for us is that uh we are trying to use the first house as uh investment kind of thing also, ya so ah ya forum lah ya I think so I hope so as in we want we want but then like you don't know if you will get it ya so hopefully


it's near the shopping center ya quite near the park, ya it is lah ya, ya but if you want to like rent the house out next time maybe it's a better location lor I guess


ya lor (uh huh), [orh] okay, you saw the crane ah hopefully ya lor


wait are you all going to BTO they oh oh ya ya sorry I got confused oh right ya but it's that going to, be your final house or your it's not going to be the investment thing right


ya I know, ya ya


ya,


ya it's not too bad lah to be honest the location, I don't know ya when is it out again do you know which year !ouch! oh my god


nine months okay nine months ya oh my god you're


and then you say thing about like I don't know if you all want to have cars and all that, ya, that's true


I think so like we both can drive but ya lah the money is the another issue lah cause ya there's a lot a lot of things that you have to pay for like petrol or parking uh ya all the car thing every month


I have no idea, I have no idea eh we're still thinking whether uh like what's the plan ah are we moving in with his parents or no or what ya or rent out because we can't rent the house out within the first how many years right for BTO ya


ya yup, (hmm) what


for forward, oh but there's like five years later leh it's like so long, ya time is money,


financial adviser what's that, oh so it's like something like the app they are use but it's a real person, or no I feel like very scared I don't know


, ya ya, and also I don't know who to go to like where where do we search for this kind of thing


oh ya but I thought it's just a nicer name for insurance agent, (uh huh)


okay but it's just it's just them selling you more savings plan what in a way ya it's not really investing , ya


(mmhmm), but you you you have to keep looking at the market lah the stock market or what, okay


(mmhmm) okay wait so ya


so you you haven't lost money yet lah like so far, ,


okay ya, oh, okay


ya, (oo)


wait so you you you're not putting like money every month ah you just leave it there and let it grow, , how much do you put it in again, okay from like the start of the year


okay, but if it really crashes then you lose all your money and more is it, I don't know I don't know how it works


, , (uh huh)


oh, but you don't you don't do that lah ya, ya that's why


ya, okay okay


okay I go and see, okay oh


I think I do but I can't remember what's the the three men uh, accounts, uh OA special, ya and then the highest one the highest uh interest rate is which one ah like is it


special, I can't remember okay but there's, there's I think there's one, ya, I think there's one where the high the interest rate is higher, ya so I put in a bit lah sometimes


okay negative experience in life what are the injustice of the world that made you angry


ya (ppc)


(ppc)


ya I agree also, same ah I think like people who are born into a world that uh because as in we have no choice where we're where we're going to be born in so ya it's like very unfair for kids who are in a third world country in a way


ya , oh okay, so like when I was younger because when you are when you are a kid right you have a lot of like dreams and


aspirations I guess so when I was younger I wanted to not really super young but when I was in poly or like secondary school, I wanted to be a like a rock star


ya so so like you know like a rock band and then like you are the singer or guitarist or something like that, ya because when you're when I when I was like fourteen or teenager when I was a teenager lah I think it's a very hard face to get through like your teenage years


a lot of things to think about a lot of uh emotions, so, I listen a lot to like uh rock music in a way so I feel that it's it has moulded me to where I am today ya so over the years I like that is my goal ah like oh I want to be want to be on the stage someday help people save people life kind of thing ya but


ya in a way but I guess when you grow up you have like more things to think about more you have to think about the reality like you're you have to earn money to start family and then this kind of thing it's not that important anymore so it becomes like uh like your hobby at the most kind of thing


ya what about you, ya okay


okay ya, , ya


ya I agree ya,


ya, ya


ya I think the older we grow like the more we are afraid to take risk, ya, ya it's really a lot, ya man


, , oh, let me think


after helping someone not that I can think of eh do you have any experience with that


ya, ya, oh ya that's the worst ya I know that's the worst man ya


ya I don't think I have also, ya, ,


embarrassing moments ah do you have any let me think first


, alright ya ya ya I know what I mean, they're trying too hard I know


ya, okay I thought of one, I think a few years back I was playing my electric guitar right so I uploaded like a cover of one of the rock songs and super bad so I don't know why I put it out there and then now is still out there ya then all my friends watch it now and then they are like oh my god ya


no but it's lenovo so I will just leave it there sorry private maybe I should make it private ya


ya oh ya ya, ya ya, ya I think I need to go and delete my blog or something while you really don't think


(ppc) (ppc), ya and I think last time we used to write very weirdly I don't how to say like the way you type ya ya oh uh that that is very cringe worthy


oh my god


okay I ask you describe a moment when you feel like the world is against you, you always joke over this


okay , ya , ya oh okay


ya ya I know , , , I guess it's like when I first started going to the gym cause my main intention was to lose weight right at the first uh would lose weight at the at the at the at the starting point then I started going to the gym and lifting weights so I think like back then it was quite like a taboo for like women in singapore ah


cause a lot of the people in the gym are still guys so if you go to the weights the weight section right it's mostly guys ya lor so my parents won't really like supportive of of that so I even went to like compete in, competitions mah ya and though always ask me like why do you have to do this kind of thing you know like ya but there's the good thing is that uh at least my boyfriend is still supportive of me like throughout ya throughout this whole time


ya but it's it kind of sucks like your parents don't really support you you know when you first started ya, for for girls especially for girls are especially like if you go out of the social norm, ya


ya,


ya ya ya same, (ppc) ya I think lah


ya now for some reason like everyone is almost everyone like I guess is uh slowly accepting the idea lah, yeah, I know rights only when you show them like uh something that they can boast to your friends about then they'll be accepting


ya ya it's about how the society thinks rather than what they think about it uh their own kid, hi oh well


I am free no lah uh let me think what would I say ah


probably like don't work so hard take care of yourself ya cause uh it I guess like my parents and my boyfriend they always work so hard especially my parents lah they always err like OT and then everything that they do they have to think about us first they don't put themselves first


ya lor, how about you ya


what so you are older ya no I guess, ya


okay


(ppc) , uh


ya (ppc), it is


(ppc), I I think like as we grow older right you tend to think about money more I don't know about you but I think for me at least


so uh like especially uh since I'm a freelancer right my money is not the fixed amount every month ya so the harder I work the more I earn in a way ya so I always have this thinking of like uh, what if this month I do super badly then I have no money you know so it like I'm always thinking of ways to earn more money in a way like passive income here and there ya ya then sometimes I will be super stress about uh having not enough money and about the future


cause you are getting older so there's really a lot things to think about your housing family and all that ya so yeah that's me, (ppc)


ya ya


ya like I think now since you are older right then our parents are getting older also and then there's one more extra thing to think about like what if they fall sick lah that kind of thing


ya ya ya mine also, ya ya same same for my (ppc), ya that's why


(ppc), as I can choose but to be honest if I do freelance I'll earn more money ya if I get more clients in a way (ppc)


ya like if you want to compare just the base the per hour rate lah then freelance is always uh you get to earn more money you just have to get the momentum I guess and get your base uh ya lor get your clientele base, ya


unless I don't think I will pick freelance no I don't get so it's up to me to put in or don't put in I guess,


ya freelance is still better if you compare like ya if you if you compare like just normal working hours like nine to five monday to friday ya, ya lor ya


ya ya depending on people for your for your money lah in a way, that's lock-in period and for us you don't get like a basic salary also, ya


and also like we don't get uh company benefits ya so that's another downside lor, okay lah, ya if ya


I know, I know what say for me like ya


ya , but I think if it wasn't for the fact that it it pays higher right then I might just get a full time job cause is safer in a way, ya like anything happens at least you got your companies uh benefit and support ya ya lor ya there's a lot of things that I don't have you know


ya got dental and some companies got uh gym memberships ya that's why I don't get any of that, ya ya


ya so if like I happen to be sick that day right cause we don't need a MC we just have to tell I just have to tell my clients that I'm not not feeling well so no so I don't have to like go to a doctor in a way you know because I don't need MC already so like there's no point in cricket doctor


ya I know I know what you mean I know it's not good but depends like if I'm feeling like uh super bad then obviously I'll go to see doctor, ya, ya


the best meal


I guess there's still kind of like one is like the very memorable like home cooked meal that kind of thing or you talking about really like !wah! damn Shiok like super satisfying meal, both, I think the best meal that I had was overseas like in I can't remember where this korea or japan


then we had like uh barbecue beef and then it was winter ya so it's like super cold and then you you go into a restaurant you know and then you sit down and then you eat like barbecue meat or okay then ya it's like super satisfying like very warm lah then on the other hand it's like


like if you talk about heartwarming meals then that is food cooked by my my dad my grandma that kind of thing ya like chinese new year then my grandma will cook like a lot of things that everybody come together it yeah, yeah how about what my grandmother make


ya chinese food so like your soup your vegetables meat ya there's a lot of things lah then suddenly she will cook like a whole a whole meal like with a lot of meat and vegetables like got prawn chicken pork fish everything together ya so it's like super satisfying how about you


, ya


ya ya viet food is nice, oh ya okay as in you cook before even before


okay nice, so you prefer your own Naan than outside Naan , what !wah! that one that one is bad that one is damn bad,


you mean yesterday or when a few years before, okay aluminium foil okay okay


okay next time you make for me then ,


most unique compliment okay ah like I was in poly right last time like a few years back then I was in a toilet and then this uh this lady came up to me, as I was wash I was washing my hands lah so she came up to me and then she look at me in the mirror like then she stared at me so I thought like there was something wrong with me but she say then she ask me uh where do you get your lipstick from


and I will ya I wasn't doing then I put my lip balm right then it's like colourless then she was saying uh oh it's just your natural lip colour so I thought it was quite interesting cause I never thought that my my lips is nice


ya, I guess it is darker than like normal lah so ya I guess like at least got colour I no I think she was a teacher she was quite young ya maybe thirty plus at the most


ya maybe ya , , ya , there's no shit uh how about you


ya I know, then you ask me


ya that's the first thing I thought of when you ask me for eh, okay think, okay I ask you another one okay like uh describe one of your most memorable travel experience


ya (ppc), oh right ,


, (ppc), oh


oh man, your phone okay oh my god , oh my god


(uh huh),


, oh then


oh my god oh my gosh, oh my god


wait you all alone ah this whole time oh my god so scary, ya, eh


eh this is supposed to be positive experience in your life, okay I guess uh is uh


I I guess my memorable one also is like not like memorable for the wrong reason, cause I also did a solo trip to hong kong right ya as he was okay lah but the people there they are the way they talk is like very uh


it can be quite uh rude to us it's just their language lah I think like how they shouted and talk to each other ya then I don't I can't speak cantonese so I don't understand so when they talk to me I don't know what they're talking about


ya then if you speak chinese they also don't really understand sometimes english they really like they can't be bothered they just talk to you in chinese ah in cantonese though, ya but I guess ya I guess the the good thing is that I confirm got got good food lah so I eat a lot then I went I went like hiking a lot ya lor so that's like the the more memorable parts I guess


I think five days ya, ya I think everyday I went to hike a different a different uh what's it called mountain


I guess is the dragon's back ya you went there too right, ya it's nice lah did I go there oh no ya lion's fork is the very like high and very long often right ya the one that you can see from very tall ya


ya, okay iask you another question err what


what are the things that you look forward to when the pandemic ends, I guess like we we let's be positive lah


, , ya that's the ya that's the number one thing that everyone miss I think, (ppc) ya


ya, , ya freedom ya ya ya lor ya I know


ya ya it's quite normal nowadays, (ppc) , you have to wear so sometimes when I teach class right uh, but we have to talk louder so it's very hard to hear with the mask on ya


but it's okay lah slowly I guess, I guess travelling also [bah] like we were supposed japan ya I don't know you just go there and soak in the ambience


(ppc), ya cause you were supposed to go japan in march like this year then that was when the the whole situation blew up mah, ya it's okay next year hopefully


, personal growth


, actually I think this year is a good like it's a good period for me to push beyond my comfortable zone, ya because I'm a freelancer right so when all the gyms were shutdown had no income ya so you have to try to find of ways to like to get more income and to kind of promote my uh my services lah


ya uh what's the question again, , what's the question again sorry , , okay ya lor so so I started doing like workout videos that kind of thing


and I'm not like the most comfortable in front of the screen lah so I think that is a that was a good experience for me to to try to be more comfortable ya at least I try trying something new and all that yeah


and for a lot of equipments ya but it's all the cheap ones lah so it's not so bad cable no not we might have already I have, well ya ya lor ya which is okay lah it's not too expensive so okay


how about you , ya it's not easy, ya (ppc)


ya ya


ya in baking , and know ya


ya, ya,


well my thankful for I'm thankful to be alive I guess it's like that's the number one


because that's really a lot of people like uh who are having it worse now I guess ya so I ya I feel like that if you are already you already have a house under your head as a roof under your head and then you can ya the basic stuff lah basic necessities then it's really quite ya really quite fortunate lor in a way


ya eh I said over over lah , okay let me ask you oh ya ya ya


(ppc)


ya


ya I agree ya ya, K describe a time when you laugh too hard ya same


(ppc), ya like something very lame oh, that's true


, not really, oh well okay next question


ya like in japan uh sorry march we're supposed to go to japan and our ya our main reason was to go for the concert, ya err, ya so okay let's not talk about that concert we talk about the concert that happened last year


in singapore because you know the F one came right so every year they will they'll have like different concerts uh different artists that coming to perform, ya so I'm not really super interested in F one in particular but, uh my boyfriend is lah so so we went there but not with the intention of watching the F one but more of uh watching a concert because one of the artists uh is my favorite artist yeah and it was fun


, ya, oh ya you wanted to go there oh !wow! okay, oh what it's quite cheap how change it


oh, ya because all these mandopop are so popular


ya oh you mean it's supposed to happen like uh is it when oh okay, ya, cannot lah ya they usually sell for them uh super high


ya you mean they don't refund, alright ya from the ya ya ya oh ya you are lucky you all didn't get


(ppc), we also wanted to go to <P2>jay chou</P2> but I think it was all sold out then we couldn't find tickets ya on carousell ya I think a few months ago right or eh last year


gosh ya (ppl)


financial related topic, I think joveen should start cause


is is that all


if you so if you actually got like the financial advice like five years ago what kind of differences like what kind of difference do you think you'll make in your life as compared to learning at now


financial advice ha let me see err I


I guess it's just but honestly mine is like super simple cause I guess I'm not like super into investment yet or like financial stuff yet so for me is really just to like


really save more in a sense where like I need to have like a, proper schedule about saving like I don't just save like whatever money I have at the end of the day but rather whenever I get like my allowance or like rather when I get like my pay then I should like save it on the spot


you know I should like take a portion of it out you know instead of like just saving whatever like I have at the end of the month so, ya I guess it's what's really important I guess so for me


should should we go on to the next question okay should I DIY or get a financial adviser to plan my finances, I start first ah !huh! I don't know eh


err, well obviously I would say we should get a financial adviser because like they're trained in this stuff right they're trained in this stuff like they would know like the best way to help us to save and like what's the best way to invest in


all that kind of stuff but like I mean, this is the part where like we know what we should be doing about what doing like the opposite of it so like instead of saying that I guess like I'm a bit more DIY now but like honestly you can call it an excuse but I'm only twenty two years old so like


like I think at my age like it's not very important for me to get like a financial advisor like ya I feel like, the like the phase where I am right now in life is like


the part where like you know I'm still figuring things out you know I feel like financial advisers they're like like if I even if I meet with a financial adviser I feel like they'll just look at me and be like you're a kid like or, like why you going to do like you don't have the money that I want


like you know so it's like I also don't want to be at that point where is like a bit like embarrassing so right now I guess I'm like DIYing, part of plan my finances so I mean it's not going great but I mean I'm saving money and I think at the end of the day for now like that's good enough for me I think so ya


(ppc)


ya I think I agree on that point because like honestly I feel like, people like me right like I'm not the kind of read up on like finance news and like investment news so like I mean for people like me like I would get a financial adviser you know because I'm not willing


I guess cause I don't want to read up on it cause it doesn't interest me so I should get someone who is well versed in that area but I guess for people like you right like, come on we'll we live in an era of it like we can learn anything on in the internet on google so I'm sure like


like for people like you who are like interested in all these kind of stuff like you can always just like search up google and like whatever you want to learn is there and and you don't really need a financial adviser, ya (hmm) cool


alright okay I think we should go to the third question okay, you can answer it


I see (hmm)


so right now you are saying that expenses is fifty sixty percent and then, so sixty then the seventeen and thirty percent for investment so when you have your first income is the percentage just going to change like


is it going to be more for investment more for expenses or more for savings


okay cool uh for me cause like you I'm I'm also a student so I don't really have an income as per se I mean I do a few like part time jobs here and there as I very ad hoc


so like I don't get a lot of money out of it like I don't get like a thousand I get like maybe like two three hundred dollars so, honestly I spend a lot of money on clothes cause I I love to shop like absolutely love to shop like I have way too many clothes so ha ha but


oh well so, so honestly I feel like if I were to give like a percentage to my save to like my expenses it's probably like ninety percent and then like ninety five percent and have five percent for my savings and I'm and that's me being like lenient


like ya on my savings percentage but ya but honestly like I don't, recently actually ever since like I change my phone I recently changed it like err a few months ago two three months ago so I change like my phone plan as well so err I told my parents that


I, okay my mum I guess I told my mum that I'll pay for my own phone bill, ya cause I I felt like honestly like to to me lah is like a lot of like poly kids they a lot of poly kids like uh they ah


they they tend to like because they work part time as they study right a lot of them like pay their own phone bill and I mean I never so I guess like even though I'm not really earning but I will just pay my own phone bill so like something and that like and my phone bill which is like fifty dollars like fifty five


I already like get like I like heart pain see it ya when I have to do every month but I I I, I think it's cool like it makes me feel like I'm adulting and learn a bit more and it makes me feel like whenever I pay my bill my phone bill makes me feel like oh yeah maybe it's time for me to really start


like seriously considering like saving a little bit more being more like err intentional with my money and not just like spending as I went up one, so ya, K


okay the fourth question, is, what can you do to earn extra income or to improve your income level


err, , earn extra income ah I do a lot of things so recently actually there's this thing I I sorry I'm like dayre D A Y R E commit like dayre app is like a diary app where


is like blogger like that so ya I subscribe to it like it's a paid app so ya but it's not bad I like it cause I can see what other people like shop online but when I was looking through like people what they're posting and stuff, I happened to come across this girl and like she stated how like how she earns like a little bit of money on the side by doing surveys


so like she just download like survey apps and all that kind of stuff so I downloaded it and I've been doing surveys , like I know it's legit because like she's the one that recommended it to it recommended it to her readers, so I know is like legit and I know that like she has gotten money out of it you know she says she gets about like sixty dollars or like fourty dollars or like twenty dollars every month you know so I done it and uh I haven't gotten like my first cash my first cash out yet but I'm almost there


so like I think honestly next month or in august I might be able to get my first cash out from like each of the apps, which is like pretty cool cause every time I cash out ah be cashing out twenty dollars so that's like sixty dollars but the thing is that right in order to get that sixty like in order to get twenty dollars on each app right I like have to do like


multiple multiple, multiple surveys and it's like never ending and it's just like really long and you have to wait for like it's like a points accumulation so like each survey you do is like how many point you get and that for example in order to like redeem twenty dollars you need to like get twenty thousand points


which is like insane because like one survey is like maybe like one survey is like a hundred points or something, so is like ya so is is is quite like you really need to wait for very long so like I don't know whether is worth it but


like I mean you can always just do the surveys like when you're on the bus or something, so it's like a good way to earn extra income in my opinion like in a very like your own time my own time own target kind of manner


ya I really agree like there's so many like stuff you can do online things like sell your stuff on carousell all these survey stuff grab hitch like as and when you have the time honestly I feel like on if


someone wants to earn money like what you say in this day and age like you can find multiple ways to earn money is whether or not you're like you actually put in the hard work to like like do it you know if you don't honestly like I would say like maybe you're like a little bit lazy


ya so ya so like I I know this person like uh this instagrammer like not instagrammer lah like this is the shop like she does like brow waxing, so I go to her for her to do my brows so each time she does like brows is like twelve dollars


so after like where phase two open right she started getting like accepting appointments again she's like been super busy so you can imagine like she said like one week she can have like fifty over appointment so fifty over appointments like you times like brow waxing


it's like twelve dollars so its like fifty times twelve, it's like there's a lot of money and it's not like the wax is super expensive and its brows only is not like she's going to use so much waxing in one session, and like is so good because like they actually go to her house


you know they go to her house to to the brow waxing so just stay at home and like she just does this brow waxing I mean she's good at it that's why people go to her so I think it's so cool because like honestly I wish I could do something like you know I feel like it's a good like way to get passive income


with like like I mean that's effort needed but like it's it's like very interesting way and like ya but I guess I'm not really talented in all this like brow waxing or even


ya maybe I should start baking, (ppl) but it seems so (ppo) like so much more effort in comparison to brow waxing


negative experiences, uh ah okay err let's just answer the first question uh have you gone through any loss in your life if you have describe your emotions at that point of time and how you deal with the loss


he was like sleeping so nicely and, okay no I think he's going back to sleep is fine okay so and ya is a corgi is super cute he was like sleeping and then he was like rolling over


and then, I mean he's on my pillow now where I'll be putting my face on later but is okay I guess all's good , !aww! !aww! I think he just wants attention it's so cute okay never mind okay uh for me right uh uh the


biggest loss honestly right jovan like loss can come in like so many forms like it doesn't necessarily need, to be like uh death of some like someone or like a animal you know loss loss is was very abstract you know so you you could have just talked about anything actually not necessarily about like stuff like that why


so ya for me right the biggest loss that I've had right is my grandma which was like uh this is twenty two I two years ago so like


like my grandma is very important to me so like that that was that was really difficult and like err, describe my emotions at that point of time honestly when my grandma died like, I felt like I couldn't really process my emotions because like my my mum obviously my mum was like very very sad cause it's her own mother and my sister also shows very sad so I felt like I had to be in a sense like


for like the women lah you know I mean not accounting for my dad I felt like I had to be like a pillar of strength, for like both my mum and my sister which is weird because I'm the youngest and here I am being the pillar of strength which is like !huh! like aren't you guys was to be comforting me but like I mean things aren't the way that they are so like


like even though I'm the youngest you know like so I feel like sometimes I'm like the emotionally like I'm the strongest in a sense of like I very good at like hiding my emotions you know and I I guess is a good and bad thing lor like I can lie very easily that I'm okay so I felt like at back then like I couldn't really like


process any thing and like and then the funeral came and this and that and then like before I knew it was like over and I just like !huh!, like I just didn't know how to react and I just like oh it's over and like even till now honestly I feel like I haven't really fully process like her death but


but, but like I guess like I guess to me is okay because like uh, I guess I I mean I should process her death you know like I I mean I know she, dead but like you know like really deal with the pain and the loss of her but I just feel like why would I want to think about sad things you know that would like make me cry


you know I mean ya, so so I mean now I'm okay cause it's been like two years already so ya I'm okay but definitely back then I wish I could have like being able to like really let it all out a bit more


then like ya then how I wish so ya okay, !hey!


!aiya! no lah you can't you can't say it like that your experiences are your experiences just cause like, your death of a dog like to anybody to like


might not seem as big as like the death of like my grandma it doesn't mean that wasn't just as traumatising for you just it doesn't mean that it wasn't just a sad for you like your experiences are, are, are like, are like your own emotions lor you know like for all you know like your dog could have meant much more then how much my grandma meant to me because the dog was with you all the time so you know like it's not


like you don't need to feel bad about like comparing like oh my my my tragedy or like my loss is not as big as yours because like may we all have our own personal emotions attached to it so don't let don't let anyone make you feel like inferior


or smaller for like that emotions that you feel okay err, uh okay , I will choose the question err


okay err, (hmm) , !wow! okay what's the biggest thing holding you back from your goal


you want go down


that's cool !hais! I get like I mean I'm sure they have all these like protocols in place like the amount of time and stuff so like for a reason, I mean as people's lives so like you can't really take it lightly and the end of it


ya, ya might not be the best choice ya but honestly it's a very long time that's a lot of years eh is is is is insane


honestly I I would love to keep studying forever like ya I don't know about you but studying is so easy like like when you're studying right like your parents would like err they would like fund you because they expect you to study and not really work


so you can do like part time jobs and like there's holidays and like there's time to chill in between so honestly like studying is like I would say studying it's like the best time and I wish I could study for a long time but I mean I have to work eventually so


oh well maybe I should tell my parents I want to like further my, studies or something and then like pretend like I want to further my studies but actually I just want to keep studying


oh my gosh yes, ya, the I think the good thing about working right is that like you don't need to worry about like, test our exams but like you got a hold different set of worries though so ya I don't know I feel like I would still like the working life lah but nothing would beat the studying life


and I'll feel young if I say I'm studying I think the moment I say I'm working I feel super old so, ya okay uh, , okay you can pick a question since I picked the last one can take turns pick a question


(ppc), I, err, I guess for me the most important one would be like my PSLE results


so like I came from like an elite school so obviously I will go to like my secondary school like the that was attached to it, and like so nicely my year like you know we get like affiliation scores right so nicely like usually is the scores are two hundred so nice my year they change the scores from two hundred to two ten


and I missed it by a few points and it was really sad for me cause like my mum went to that school my sister went to that school, and even like by a huge coincidence like my dad's sister also went to that school like it's an all girls school so ya and I I felt


like sad I was really really sad like like, because of those few points lah I missed out on this whole bit by bunch of experiences that my mum and my sister and my aunt had and


like it I don't know I feel a bit small whenever I just say I come to primary school because like usually this kind of stuff is like a ten year stint together it's like you go to primary school and secondary school so ya and I always somehow think back like


if I had those points would my life turn out super differently because I went to a neighborhood school near my house after that so like I wonder like if, it's like, I don't know I feel like if I had those few points more my life might have turned out super differently


which would be really like surprising in my opinion so, oh well it's like I mean I'm not going to lie I learn a lot going to the neighbourhood school like really I learned a lot about like the different cultures especially like the malay culture in singapore and I really got to try a lot of like malay dishes


that like I didn't previously try and I come to like love a lot of them like Lontong and like #tahu goreng# and all that like #nasi lemak# like I wouldn't have come to love, it if it wasn't for like my secondary school and I had a lot of like opportunities handed to me in secondary school


ya so so that that's something that couldn't have been done if I I stayed in my school that hours like originally supposed this go if ya so I mean it's a bad but like is bad and good lah you know


ya I still do


oh


I think it's good cause like through that like first soccer team you realise you now know what you want and what you don't want in a soccer team and I'm I mean like I mean I know you when you're in a different soccer team now and you are much happier


you know and so like I feel like this the old soccer team that you were in really taught you that like you you really do have like a passion for soccer and football and like even when things don't go away I used to try hard, which is good because like it puts like your passion to like the test so even now in this new soccer team like even when like people put you down like because like your passion is like very like pure for like the sport itself right you still keep trying even though like


like last time when I was starting motivating you you still tried so now that something motivating you like like what's going to stop you from trying harder so I think ah I think that's good lor like it all happen for a reason and I I think like that that that something that you learn a lot so


yeah okay that was very good so ya I don't know, it's so sad know that down now you can't play soccer because of the day even though I see people outside playing soccer even though you not supposed to do right right or something


positive experiences, okay you start I feel like I've been talking super long


ah okay that's nice ah for me ah my best birthday present let me think


err, (hmm) I think, I don't know I have a few honestly like uh in secondary four like my friends surprised me with cause cause like I they know that I've never had like I don't know in secondary school I don't know whether is a thing in secondary


schcool they had like you know like like smashed cake onto your face, so I've never had that you know and I'm not someone that would sign up for that in my life ya I think is like a very hard to clean off and like or like icky and all that kind of stuff but like for my for my my my sixteen


birthday they got cupcakes and they like took the cream and they smear that on my face and honestly it was it was really fun and I really liked it and, oh another one was honestly okay my best best best birthday is probably my eighteenth birthday so I was I had celebrated it in like a chalet so over two days


I stayed over by like uh but then it was over two days so the first day I invited my friends, and the second day I invited my family so it's really nice on the first day I had barbecue with my friend second day like you order in some food and it was like buffet style ya was really really good and and and and it was the best birthday because like even though it's like my chalet and like my birthday party right


my friends still like manage to distract me and then so like I was outside the chalet room I was at the barbecue area and then a few of them like set up like balloons and pictures and and all that in the in the chalet room itself when I was outside and then so when they ask me go in and they just surprised me and


cause like my secondary school friends were there my JC friends were there and my church friends were there and it was very it was so heartwarming and I I cried, ya it was ya very, like that that the that was really good so ya okay shall we shall we try a different question okay what is


how about the third one what is a comfort food that you can always rely on to cheer you up, japanese


why is your comfort food japanese Oyakodon sound so like I don't know so ya so specific and is so like


ya where is a singaporean, like come on, our foods are amazing I mean I like japanese foods


!wow! ya, (hmm) !wow! so it's Oyakodon or Sashimi


any specific kind of Sashimi or just like all kinds, no if you had to pick one , fatty tuna I see okay that's cool and I didn't I didn't know of okay I guess for me uh


uh comfort food, oh gosh I am super, I'm super chinese like I love chinese food comfort food, I don't know man maybe


actually none comes to mind I really like chinese food, overall I like chicken rice but I feel like I won't go I won't pick chicken rice actually I feel like nowadays my comfort food might be Jajangmyeon like instant Jajangmyeon with Kimchi cause I always eat it at night


so like whenever I eat it at night is always like I'm always like alone in my room eating it at so like I feel like in a very relax environment ya, ya I I I think, that's it I I can't maybe Popiah


cozy corner Popiah that makes me really happy as well I don't I like ya like a lot of food, , , right is so hard to pick, but I guess maybe is good like for you to have specific ones in case like you know you're sad and like you know your friends know how to cheer you up with food you know can you imagine they're like oh why you want to eat what's your comfort food and then like you had you like oh anything then you make life hard for for yourself


ah okay err, okay let's try another question, err how about this who in your life do you look up to most and why


you don't have a role model, what, legit ah that's weird okay I means not weird lah but


you should think about it I think having a role models are good, so ya so I think I had like a similar question to this before but those like phrased differently so they were like oh if you could have like a meal with one person who would you have a meal with so and then last time I used to say like lee kuan yew


who, cause like I really admired like, what he has done for singapore and honestly he's a very very smart man but come to think of it I feel like I won't be able to like, speak with him casually cause I'll feel so intimidated by him so so right now actually afterward like it's been like a few years and my role model is this like youtuber called <P2>casey neistat</P2> he's like one of my favorite youtubers of all time


his like uh videography skills are great, like ya his cinematography skills ya are super good and like I just like him because like he he started from a very difficult background and like he is very determine and like where he wants to go and he knows what he wants like to do and like even though like


like the fact that like he can just drop everything not drop everything lah you know and just he moved to new york when he was like seventeen eighteen was like no money and he was like, like couch surfing on his friend's couch and he had a kid when he was like sixteen or seventeen or eighteen so like he really been through a lot you know but he still like even when you have a kid right like he still manage to


like pursue his dreams and passion that that that that was really like ya that's what I really look up to, to a lot ya, ya


sometimes I think is good to have a role model so like you you know where to place yourself at


okay cool


okay you can pick a question I've been picking all the questions just look through and and just you can just choose any one that you want to talk about, I'm okay with any, hurry


fish, fish I don't like fish I didn't like fish


okay okay ah I don't love it okay now but I eat I like Sashimi salmon Sashimi and that's fish that's a win win already and I take fish and chips, that's a win win and all that but oh my gosh as a kid I really wouldn't take any kind of fish I mean I take filet O fish and fish and chips but that's about it okay now I take like salmon and I take fish and chips and filet O fish and


that's about it that's all the fish I take so I don't love it now but is definitely better than like, in comparison to like I was when I was a kid ya, and now whenever people always ask me lah why I don't like fish you know finding nemo the quote like fish are friends not food ya that's what like that's what my sister and I will say like oh why don't you like fish oh fish are friends not food ya it's quite it's quite cute but ya what what about you


ya that's good ya competition is definitely good but ya I'm pretty competitive as well like ya all my friends always


see them super competitive even though like I don't really think that I am oh well but ya I guess I guess competition is good so like you know how to improve yourself so you can set like goals for yourselves next next time like oh I didn't managed to do this this time so next time I'll do this


so ya definitely I think that's good so ya but okay lah I mean as long as you like relies like what other downfall was like for example like at what if it like makes you angry at some point is it really worth it so I think it's fine I think it's good


oh cool okay why don't you pick another question, cause I picked up quite pick like three so you can pick


oh my gosh my laptop , ya like I realise that I'm no cause I'm actually a very extroverted person but I in this like situation this like circuit breaker like the phase one phase one and like I just realized that I can be very introverted as well I can I can be a hermit


and I'm like surprisingly fine with it so you know you just let me do my own things, so I'll be fine ya and it's not like I'm like slacking away you know still have, goals that I do every week like I will like cook one meal at least once a week I'll bake something every week so you know I'm I'm still doing stuff so ya


ya, but it boosted the connectivity ya


(mmhmm) agree, agree can you imagine if we went through this during the SARS period like can you imagine the SARS period like there wouldn't be like zoom there wouldn't be like skype


you know like and internet wasn't like, we didn't have like drama or netflix back then, oh my goodness like I don't like, ya


and like ya and the only way that we will actually be connected with people is through like like the phone call and it wasn't like handphone it's like house phone or like nokia handphone like nokia handphone


like the house phone ya no no that that would have been like super difficult so actually I can't remember whether in SARS were we were we supposed to quarantine or something cause we were so young, can't remember ya but I'm just really I don't know I'm really really very very thankful that like this quarantine came at this period where we have all these like technology to help us to pass the time to help us not feel so alone


I know a lot of people went crazy cause they couldn't go out so I I'm sure like zoom and like all these online games really helped like a lot in everything, ya is really a gift


financial related topic, what's one financial


what's one financial advice I will give myself, , I would say to get more financially educated earlier, , ya cause I only recently got started learning more ya so that's one advice I would give myself


I'm I mean like I will tell myself all the things that I learned and everything, ya, and for example uh investing earlier go in all the places where I can find out information and that actually a lot of things can be learned for free on the internet


ya, and get I mean of course get good mentors or like people to guide you, ya,


I, uh I would definitely has started investing earlier and I think I will have, track my spending a lot better and leave more frugally, ya, but definitely invest earlier


ya that's one what about you,


yup, ya that's good also ya I think the saving is one of the more important most important part also, ya, ya, you can you can start first ah anything


ya (hmm) ya (hmm) ya (hmm) ya ya


I think nothing wrong with that also, I always uh whenever my friends ask me this kind of similar questions I always tell them that everybody have their own financial goal, and, everybody have different goals in life, so is what as long as, your living style or whatever fits your financial goal then it's fine


ya, ya some people want a lot of money some people are, okay uh living pay cheque to pay cheque but, having that balance of life so, I think all that is very personal it's fine, err but for the question financial advisor or not I think at the start I will definitely say yes


, where cause I guess I didn't know anything, at the start so it's easier to like just, get a shortcut get someone who is already doing it full time speaking to a lot of people helping them manage their licence, or , but I guess why I say


at the start is cause now learning more, I realise that , everybody every financial advisor has their own way and plan as well and I I'm not saying that they're bad most of them are good, good and go help uh people


I mean if you have no plan, and they give you a plan is better than nothing, but I think a more customised plan for myself if I understand my financial goals understand, , the risk that I'm thinking and I can do it myself I think it's a lot more customised, and more


uh suited for myself, but of course most people, I would agree that most people will find that !aiya! you know these things so many things to learn I have I'm so busy and my life ah they wouldn't find that time, and they honestly you have there's no interest learning it ya but I just have the interest so


I'm okay with it with learning myself so, personally I'm not against every financial advisor, but I wouldn't have one for myself ya, ya ya ya


yeah I think that's fair, ya it's ya , manage my cash flow, I mean I'm still a student so I'm living off allowance that my parents give me


but err, I and I would say, I mean they're different models people always say there's this like fifteen thirty twenty rule and it means different things to people, , some say fifty percent to your needs thirty percent to your ones and twenty percent you


uh uh, uh save up or you can jumble those numbers around, then some people who, are better off they may say fifty percent for spending including needs ones or, whatever, and then thirty percent to savings twenty percent investment I think all these are


there are some models out there that do give people guide I mean if people really have no clue when they just want to start somewhere that's fine, err, I think I'm still fairly fresh and new so I had I don't have like a specific, model that suits myself plus I haven't


drawn my first income and I have not working, ya but for now I would ya, save maybe like, I would try fifty percent, to sixty percent expenses, then ya, and then ten percent to savings and the rest for investments


ya but that's just me personally and ya, for now for now ya I mean these things will change over time, but I think like the stage of life that I'm in at right now, being younger and all ya


and my income wise I think or allowance wise this is where I will, put for myself


ya uh something like that I mean it's just a rough number but ya,


yes definitely, ya so when I have my own income, I would, see my expenditure would also increase cause I would then have other responsibilities


, I might have to give off some money to, to like to my parents , err give them like allowance like every month or so, and then I guess, , you're paying more for your own


, you not like I guess, I won't be like living off so much, off my parents, and paying for my own insurance ah so expenditure will definitely go up, but, would it be a higher percentage I don't know, I ideally I would like it to be lower


maybe like thirty forty percent by me, that's just the plan and I have to see how it goes but, definitely with more income and the income err goes higher ideally the, percentage of expenditure should be less


ya ya ya ya !wow! ya ya I think that's fair and that's


already alright I mean we all take small steps at a time, ya so you want to go first or


ya ya ya ya


uh I think I mean I didn't even know about this kind of things, but it it just goes to show like how today's, day and age there are so many things you can do is just whether, you know about it you heard about it or, whether you know how to get access to it and


ya there's actually so many ways to like, have an income or to like boost your income, like, I for example I I was doing grab hitch before this COVID period, now I'm doing it again and then I I did sell things like online


and, I'm thinking of like doing it again, like, I'm not anything fancy I'm not like a big creator or anything I don't create any product I can't design anything product, but uh, ya just seeing what's what's what people like


just finding a better price and buying lower and selling higher, and ya kind of like just trading it off, ya so many ways to do this kind of thing I guess like these are just, a few ways that I've tried, , but definitely so many things that


people are doing that I don't even know about, ya


ya ya you can, ya ya (mmhmm) ya


[ah] everybody finds their own unique way


negative experiences,


I think, I'm still quite privileged I haven't gone through like major significant, losses in my life, the closest I would say was my dog, err, err she died very tragically, ya my dad ran it down with a car, ya so it was


the mixture of like sadness a bit of, unhappiness I wouldn't say anger but just, frustration like, err you know dog was totally fine then one accident, is dead ya, it happened and can't really like get angry at my, dad also because ya I mean he didn't really mean it as well but I guess like that was the


only more significant loss in my life right someone or something actually died, take and took away from me but I don't know I, I I don't know if I, was really affected


I think over the years I grew to be more intact with my emotions back then I was very detach, I think, I saw it as a, as a strength to help me to , get to and like get through, or medical school as well


but now learning more I I guess like, i, wanted to be more intact with my, emotion , even though it bring some, pros and cons ya, but I don't think I've already dealt with, any major emotions or losses in my life


(mmhmm) (mmhmm) (mmhmm) ya ya ya ya


ya definitely those are difficult, experiences to go through, ya that's why I didn't bring anything up cause I know that a lot of people go through this kind of, difficult situations emotions and, what experience I have yet to like match up to those things ya ya


ya ya ya uh


I guess the stage of, my life right now still in school , I still have like two years of education there, err ya I think uh I think I I have goals


longer term rather than shorter term goals, , be like financial goals or like where I want to be in my career and I know that there are steps to get there and I definitely cannot do it tomorrow or even, next month or next year


so, definitely these are the things that are holding me back like I would say stage of my life that I just, have to go through I have to complete school to, get my degree to practice as a doctor and then go through the compulsory like bonds


that I've to serve before like I can do the specific, aspect of my career that I want to pursue ya ya so uh I guess I, and privileged enough to know like or have figure out the blessed enough to figure out


like, what aspect of like say medicine that interest me what I really don't like, and I know that , this will take certain amount of years, for me complete certain bonds or whatever for me to, reach there and those are


I guess out of my control unless, uh, a giant pile of money comes, for me to bail myself out and even if I do get that giant pile of money I wouldn't, certain that I will just use it to, pay off my bond ya I think the training uh in


ya in this in certain areas, uh even though I it is not my goal, but it helps me become a better doctor when I am able to, do what my whatever might go, this, ya ya ya ya ya


ya that's why is good also that's why even if I have the money to lure myself out from bond I wouldn't know if, I would want to do that, I ya I think the training is good, anyway ya so ya ya ya


but also ya, but that's also what makes it interesting or something you look forward to I mean if I hit, the ya ya ya ya ya ya


I agree with you I also enjoy this, is a, less responsibility period of my life just studying, ya, but at the same time I also can't wait to work, so, err caught in between, ya (ppc) ya


describe a time when things turn out not meeting your expectation, err you have any story in mind, ya all the way (ppc) ya ya ya


ya wish you had a chance to experience, what that was ya ya uh I think for myself like uh, I guess here and there were things that didn't meet my expectations, err but


uh I guess the most recent one I can talk about is like and I joined this football team about, last year two years ago , at at the start I was uh trying to prepare a lot, trying to be, to perform the best and like, , uh making the right preparations and having good like work ethic to train on my own


, to even like prepare get into a team I'll do my best for it, but then I realised like after spending some time at the team, not everyone had similar goals as I was, they weren't as committed, and I guess I was very disappointed and a lack of like


, work ethic or like even like a motivation to do well like most of them didn't mind, , losing game after game after game, and, just like uh getting out there in the sun, ya wearing some sports attire and just to like walk or jog around


around and I guess like, everybody was looking for different things lor, and, I thought they they appeared to be a a very competitive team to me at the start they looked very interested they had things like !wah! facebook group and insta instagram page which I like


not many like sunday league football teams actually even have, that , and even like tried my best I was, , uh really helping the team out a lot maybe in training motivation or on the pitch and whatever I gave my all, even brought so many friends to like


uh try to like help boost the team's , performances here and there but, think after a while when I, had to really make a decision to leave the team, I felt that was right, cause they really didn't meet the expectations that I wanted


and I felt that the longer I stayed it was, uh, it wouldn't have done me anything much better rather than just, making, thinking to myself oh I'm just a very loyal person ya, I felt that the right thing to do was, to move on since


they they had different goals from, me ya ya so I think I think it's, uh really inevitable we yet to make mistakes or when things don't, turn out the way you want uh when you set some goal and like


things don't turn out the way you want, in life I think , it's quite hard to go through life with, I also is quite rare to go through life without, some , err something that didn't need your expectation, but


I think it's very important to like, and I think that's one of the things like, learn from certain people I guess that, people who called role models, that I look up to them in certain aspects, ya that's one thing that bouncing back is something very difficult to do


but I realised that's so important ya especially, through my experience, competition and what not, ya so, but it was definitely a very, difficult time that I felt very bad leaving


especially after like, encouraging people bringing people to the team and then now like oh guys are, I'm not interested I'm leaving ya so but uh I don't regret to move I think it was something that, I had to do for myself to move on


positive experiences, what was your best birthday present uh unfortunately I don't really receive much birthday present so I


and I think like since young birthdays didn't was never a big thing for me, ya so didn't really have much recollection of birthday presents, ya but I guess like hand made thing, ah, things that my girlfriend give me


alright those are uh better things for me, that those those are things I remember, ya


that's nice sounds like a very memorable experience, ya any question is fine


, I think a comfort food for me will be something japanese, can't decide between


can't decide between something warm like uh Oyakodon, bowl or, uh something more savory, uh uh like uh Sashimi ya, so those are things that definitely I will not, the


not say I won't get disappointed but I will definitely look forward to either of these, things ya ya and those things have been comfort food for me as well in many times, especially like on a cold rainy day, uh


uh a nice warm bowl of Oyakodon, uh always feels great , ya it's very specific, ya, it's very specific ya but I guess that's


everybody is unique lor I guess everybody finds that only ya I I know a lot of my friends ask me like oh is it's not a like some singaporean or chinese food dish, ya ya I guess like ya ya


I guess like I I eat it so much that I guess, it's just becomes uh, uh everyday food rather than comfort food, ya yup


my favourites ah , err fatty tuna uh definitely fatty tuna nothing beats it, ya [orh] ya ya


ya that's good mixture of things ya, ya I also have so many foods that I can that I love, it's just that I have to pick one ya ya, ya


ya I already have an answer it will be easier,


!wah! difficult question I don't I honestly don't really know, ya no don't I don't really have one ya ya, ya ya ya ya okay ya that's nice ya it's a great that


you have a role model, ya but I realise them, I guess I'm quite different from a lot of people, don't really have role model ya, ah I guess cause I see that nobody is perfect, and, there's no one person that I really really look up, up to I can look


up to them for a certain, aspect of life, for example football then I have people that I really, uh look up to or motivated or encouraged by them because they're good in each specific area, but, uh and another aspect of my life be maybe like finance I can be like looking up to certain like a legendary investor sorts of things like that or maybe to like uh health or a certain like uh


ya uh professional or like some doctor or whatever I can look up to them in certain aspect but, I I guess like I never really saw them as my role model, cause I wouldn't like, put them as a benchmark for myself like or all that


achieve that I want to reach a certain level ya so I never really had a role model, for me, like someone to motivate me a certain area but, I also know that everybody has their own, flaws and limitations, and maybe what


let them to being so good in that aspect, was because it was a sacrifice on other parts of their life, so ya uh, I mean maybe just my own religious belief that, uh, ya that nobody's, perfect ya


so I I never really had someone there, really uh, kind of like wanted to follow at all really admire that, much ya ya


I I don't I don't disagree, I definitely don't disagree, a lot of things that people tell me I I really don't disagree but if unrealistic if with myself, ya I guess this is, what I learn and what you know about myself, myself ya pick a question uh


what do you hate as a kid but now love as an adult, ya so I think when I was but now you love it, like something you hate and now you love


(hmm) ya salmon Sashimi see ya


ya


uh I think I used to hate competition, yes I had a more traumatic experience when I was younger, uh my, parents wanted me to play a certain sport I was playing golf for a while, in, ah I guess it was a nice privilege to be able to try that sport out but at certain point where


they were pushing me to be very competitive I I grew to hate, uh the sport a lot but then later in my life I realised that I didn't hate it I just hated the competition, uh it never allowed me to have fun, and it took the joy out of playing it


, but fast forward to now I guess like playing football or, be in school whatever ah I learned to, embrace the competition, it's really up to me to, to


to see as like !wah! does this defined me as I'm better than this person or that person is better than me think it's really up to, up to you or up to me so like, I guess I can uh learn to separate, those emotions, and not like equate it as oh this person played better than me today this guy is better than me I'm lousy I'm worth less than


this person, ya I think that as a kid or when I was younger, that was that really, , affected me a lot but now I learn to embrace competition a lot more not say is love it, , I guess some people would say that I can be very competitive at some time but I do like the competition now be it like video games like DOTA online


or football or what I think the competition really does bring some excitement and joy, I love how like it pushes me to be better, ya but of course there must be a balance lah there are definitely a lot of times that I need to keep myself in check cause I tend to be very competitive then I said oh okay this is taking the fun out of it


I'm getting too frustrated by it or too affected by it so ya I learned to embrace it better, ya ya ya (hmm)


in the, in a post COVID world who are what are you newly thankful, of or appreciative, towards uh ya definitely couldn't lived without it


ya ya ya ya ya


ya I agree I was was just going to say like maybe the internet or something, ya cause ah is I think is that really such a great, awesome gift or privilege in the past maybe like twenty years ago this, could have been less accessible, or I will have less knowledge to like


oh what can I do, during this period or what can you even learn like you know I I don't think if like it was twenty years ago I would have even thought like what can I learn during this period I was just like oh what can I do to like just keep me entertained or like survive, this period ya but


I guess like internet makes really like the world so connected uh without being physically to have, and really showed the world like this this virus really, kind of like, push the world to new extremes and how like, it kind of boosted the tech


era and brought it forward, ya and ya ya, and I I think that was like inevitable like was sort of like a, unanimous like a, thing that people agreed on that oh the tech era is coming I think COVID really


push that forward so I think like uh, I'm I'm I'm honestly I consider myself quite a tech dinosaur for people our age I really need help with so many different things but even with this like limited knowledge of my I, I realised that it


give me access to so much, opportunities learning uh uh be it like uh through investing or, learning new things or like connecting with friends and so many things that you can do or read about them about or even just


for the fun of entertainment whatever, ya and none of this could have done if like if, we weren't so technologically advanced, and we still have a lot more room to go ya


ya ya ya ya, ya and and most


ya most people were still skeptical about, at online ads or like chatting platforms like whatsapp telegram then like, people wouldn't even get, quick news or updates, ya, so so many things has changed ah


(mm) ya ya ya ya that would be very difficult, just take ten minutes to sack


part one financial related topic


so eliza did you get insurance from any any insurance company


all from one asian one company or different companies, I signed with one because he's my friend mah so he asked my sign what I sign what, ya but many of my


ya he ask me sign what I just sign what lah because I cannot reject what, friend friend mah but, he ask me uh what is the about what is that the amount you are comfortable with so I give him the amount and then he will pay Sui Sui for me lor okay this one this one is for your savings and then this one is a


so called investment ah, stuff like that lah then there's hospitalization then there is a term insurance, ya


no lah not all lah you think I'm rich meh , , some of it ah which I think it's not necessary I would I would I would put it on hold first, example he ask me sign some, there's there's one plan he asked me to say some uh related to some women


critical illness all these related to women's illness so I think that one ah I would just KIV first so I didn't go for that, then after that when I have after I have children he have approached me to have, this uh accident coverage for my children, accident plan


eh is it called ya accident plan so it's actually cover even those insect bite mosquito bite is actually cover under accident as well so I just get from him lor


number one ah for me number one the premium, very important because I don't want him to sell me something ah that is, higher price than the the rest of the parties, even though we are friends lah even though we are friends you cannot talk carrot me this way lah so I'll make sure that he's giving me uh


the the uh, a uh a policy that suitable for me at the same time it uh is not overpriced


no leh I I always say what my budget is one K I three hundred no problem no I have actually compare a few like example my friends from AIA so I would compare against prudential because I I happen to have friends in prudential also, then I also compared to online online


I think nowadays there's a lot of online website they actually give uh, do insurance as well, not much agent so their information is on on the website you go and see anything you want then you contact them, so I also compare all these online online insurance


to get a quote then from there I'll just compare a premium compare the, uh the policies lor, the coverage ya yes


yes that's why ah it depends depends on different different insurance some insurance we can go for online or this health insurance hospitalization or this place ah is better to go with uh the for me lah feel is better to have an agent to assist us so any claims I need I need to pass to you you come over I you take from me


then where else the other type of uh insurance for example my car insurance, car insurance all these ah, at online centre will do for me lah easier, (mmhmm)


mainly is the premium and the coverage or that's about it ah for me lah how about you, (hmm) (hmm) ya lor same


but actually there's there's there's too many I think there's too many policies are on there,


for my parents ah I !aiya! actually I they don't have much coverage, and, it's too late to get them covered, why because first one for, uh, because they have actually some existing illness


so if I if I were to buy a policy for them ah a lot of there will be a lot of this ah, what you call that ah uh exclusion, like anything related to the heart is not covered anything related to this thing is not covered like for example women uh if there's a lung


the anything eh if if there's a if there's breast cancer eh sorry let me think what is it if there's a lung, the breast so anything related to the breast is not covered all these kind of different exclusion, so if I if I want to buy a policy for them I want it to be a full coverage mah I don't want you exclude this exclude that


but my parents they're old already there that they actually have existing illnesses as well, so we didn't go with ahead with any of the plan, and when I think


I think all these government should, there's already in place ah we just let it be lor, but for those additional coverage of the term insurance we didn't actually get for I didn't actually get for my, for my parents, I don't see the need leh I cover for them anything happen to them than I get the money


eh like , I don't want their money because I I, if I, buy a policy for them the they should be the one getting the money if I buy a term uh life insurance for them the term insurance for them anything happen I get the money eh I don't see the need to lah


(mmhmm)


I, I believe is it depends on who get who I'm going to cover, who I'm going to pay by the policy for if let's say I'm going to buy for my parents then anything happen the beneficial will be my my, me and my siblings, so we don't see the we don't see the importancy of having this this kind of money


because first firstly to begin with we are actually not not that poor lah we can afford all this thing or this more money ah this money, but if let's say I'm getting a policy for myself a term insurance anything happen to me my children will be benefit from this sum that's assured


so for this case I will get a policy for myself because they're still young they need the fund, but not for my parents lah they're, I don't need the fund, (hmm) oh uh


ya lah but , can cover back one ah , I


I I I'm not so sure about purely investment but from what I understand my insurance that my, the my AIA friends plan for me ah ya actually cover some part of investment


I am actually not I'm not so sure what's the policy called but uh it's like shares like that lor you got to monitor okay whether this thing is making money that one making money ah something like that lah similar, that one is what


is that a CPF or is that hard cash CPF or cash, CPF oh okay


I'm not so interested investment ya same thing my CPF I, I like put ten K for investment because my friend was telling me you faster invest the money in your CPF because the government is going to lock the amount lock certain amount so you faster use it first so I listen lah I faster use it, after that a few years later my ten K becomes six K


because the market crash, so after that we actually change to another bond, uh ah uh and then after , when the market gets better the amount actually crawl back to ten K so I faster withdraw the money I close the account I think don't one already lah


, so after that I didn't really go for investments so so now my money for what did she uh we just purely go for insurance, which actually cause me a big sum ready leh my husband myself my three children then there's so many different kind of insurance


and the premium is increasing every year it's very scary, actually switch from, because I I think nowadays I think many but many people are abusing this kind of policy a little bit sick only ah !wah! hospitalization need to go hospital and stay already


so when the hospital bill increase naturally the premium will increase, that's my thoughts lah, !aiyo! I'm not so sure in this field also, (mmhmm)


oh few years few years ago I actually got a best one, private hospital, cover private hospital, so after that, the premium increase shoot up by a few hundred dollars, so I decided to go for, government hospital


so then actually bring down the premium little bit then ah then, next year the premium increase again so I ask or I was asking my friend eh what what's all this ah your premium keep increasing then I cannot switch to other company anymore leh because I have existing claim if I switch over then they will exclude me from my existing problem illness already so


no choice I gotta stick with him and then bear with the increase in premium so I told him lah uh is there anything you can I can do to bring down the premium so he say okay you can switch over from public hospital to government hospital and then you can choose some of the what AIA panel of doctor this will actually bring down the


premium, and I also don't know why he's talking about I just say go ahead go lah go ahead any problem ah before I go hospital I'll just call you first, how about you ah, oh eh how


how about for your domestic helper do you get any insurance for her, basic as you want just, government hospital lah, the lowest slowest class those kind ah,


you say basic how I know what is basic, (mmhmm) (mmhmm)


but you have to settle insurance ah, I thought when you when you engage the maid agency actually settle all this for you no, ah


ya I do agree and I do agree, the the bill is too high our local bill hospitalization bill is way too high


but anyway insurance doesn't give you hundred percent coverage as well now there's some kind of co payment co pay or something rider, I I don't know what is it about but I'm just not very happy with all this thing new things that that's coming up, how about traveling


yes I agree yes very important ah actually encounter loss of baggage before, so luckily I have this uh insurance coverage, for traveling but for your traveling do you buy annually or is it per per trip everytime single trip


(mmhmm) oh that's very good leh okay


(mmhmm)


so your insurance go traveling insurance is, bought from where is it online or from your agent from agencies, ah smart lah


because I think for travel insurance is about the same [what] just basically they cover all these things


negative experiences


eliza have you gone through any loss in your life, I believe we sure have ah hor more or less, you you wanna share with me more, (mmhmm) okay


eight years ago okay, (mmhmm) !wow! (ppc) (mmhmm)


his passing okay, (mmhmm) (mmhmm) okay (ppc) (mmhmm) (mmhmm) okay


but ya on on a on a, I think the doctors are incredible lah they managed to like prolong his life from, from the initial one week to, one and half year, (hmm) ya but


I think all these ah just really, part and parcel of life that you really have to just accept and let it go when it's time to do so,


ya ya I do agree, is it I don't agree with you,


, I'd like to share you with a story I'm not sure that I told you before, but ah, ya actually happen to, uh to me when I was, twenty three twenty three years old so I was still a young girl I was still in poly


so I I'm very adventurous I'm very rebellious, so what and I actually have a very, good friend my BFF, so one day we're actually talking about uh riding a motorbike, we should go and get a motorbike licence and then


just ride down the street, and enjoy ourselves do something that we, uh, do something special lah so we actually got uh we actually took up this motor this bike lesson motorbike lesson together, and both of us got the license lah after


after a year or so, so uh she proceed to, get a motorbike for her while I actually decided to buy a car instead, so uh so one day ah I actually receive a call, uh


uh in the middle of night, so, give me a minute, okay okay


ya so actually I I received a, call from because I know her family very well we are best friends, so uh one day her her sister actually called me and then telling me that eh I need you to come down to the hospital immediately, so I I was thinking


well what happen then she was telling me ah this this A A my best friend actually got into accident, bike accident, then I was thinking !aiya! this girl ah why so careless one ah ride motorbike also like that accident, so I was thinking !aiya! okay lah in the morning I visit her, then the this uh


her sister was telling me no leh I think you have to come down now, then at that moment I sense that how how how important, how serious this thing is so actually got a cab and then I travel down to CGH immediately, with my husband lah my then boyfriend


then uh I I actually got a shock when I see her, she I couldn't recognize her anymore she was very badly injured, then (ppc), (ppc) I also didn't get a chance to speak to her because she was in a coma state all the way and I think three days later the the actually the doctor advised the family to to just stop her


oxygen was it just, let her sleep lah because she won't, even if she recover she will be in vegetative state lah I don't know what you call that, so the doctor just (ppc) advised the family to just let her go, go this way so that that's


I think that's the only the loss, that is that actually impact me a lot in my life, is even more is even more than uh, then when I felt like my, uh grandma or grandfather pass away, because my grand grandfather grandmother they they pass away because of age


old age, so I learned to let it go lah but not for my friend who is only twenty three years old, that's about it , but but now that is over uh just try not to think so much lah


one uh, this friend of mine her sister actually happens to be an agent, insurance agent, so she got her a lot of policy, when my friend pass on, they actually receive a very very huge amount of money a very big sum of compensation


so now they they actually moved to, a move toward another house a condo they've got a condo and then they rent out their HDB flat, so I must I can say that they are living very very comfortably, so I'm also happy to hear that lah


they don't have to worry so much about, finance financial matters, I'm glad she got uh she got insurance she got a covered by a lot of insurance policy, before she actually pass on


so yes insurance is important, , how about you is there any traumatic incident you have experience in your life,


!hais! this is very common, I realize it happen in many family (uh huh) sorry sorry you can continue, !wow! (ppc) !wah! yes yes


true before my grandparents passed on right, I actually to foresee, this kind of assets fighting, ya so when when they when they actually pass away


I don't know lah I don't feel I don't really feel eh I'm very sad no I'm I don't have the same feeling as well what you felt when your grandfather passed away, I don't have this such feeling I feel that I !aiya! I'm expecting a scene at the funeral I'm going to expect a scene at the funeral


because, though I'm not sure why they just like to fight over the assets, their parents assets , ya but at that point ya sorry


, , then


change ah change as in what, my character, no leh I I don't think there's anything I want to change but I never change I think there's a lot of thing that I want to change and I have change, yes


as compared to me how old am I now I'm thirty four as compared to meet when I'm, eighteen years old lah I changed a lot, because the me last time ah I don't have good temper


any little thing will just make me fed up, now I can quarrel with my boyfriend everyday, uh that's how bad my temper is and I'm very stubborn, I just like to oppose, whatever my mum tell me what


whenever my, whenever I'm not not so happy with my mum ah I'll just give her very black faced and I'll just shoot her back, so I I don't give face I don't respect her, I'm just so rebellious lor, but after that when I get married have a children have children of my own


then after that I began to change ya I I feel that I've began to change for, better I'm I'm having a very I'm a very good tempered person right now, I don't fell easily, and I can tolerate, uh a lot of things as compared to last time lah


how about you, !huh! also temper, (ppc) ya ya ya


(mmhmm)


ya I do agree we have to learn to let it go if we if if I I if I don't ah I'm very sure I already and I'm in a, divorce stage divorce state already, I'm serious so that's why, nobody can tolerate my temper my old temper so even the nicest men around


!huh!, no lah but he's he's a very nice man ah just that I got a very bad temper, so even my mother in law have to give in to me that time, I'm like the queen in the house my mother in law listen to me


, but of course not now anymore lah I do respect her a lot I want her to be happy, and as well as my parents ya ya, okay that's life we all grow from it


we grew matured ya how, but right now we are all in the thirty stage already, is there any other goal that you want to uh achieve, until now it's not accomplish yet


(mmhmm) (mmhmm) yes


ya ya ya the kids can come later but you have to appreciate your parents first


positive experiences


!hey! eliza when is your birthday, we see whose birthday is coming soon then we buy for each other, how about that, really ah when is your birthday so when is your birthday


your birthday in july oh okay same here leh , so talk talking about birthday ah what is your best birthday present that you have received lah so far


!ow! your husband proposed to you on your birthday,


there's no one who celebrate what proposal day lah come on you celebrate your wedding anniversary don't celebrate your, proposal day right,


so after that no more birthday present that's your basically your ring lah, he don't give anything during your birthday your husband, ah that's very stingy of him ah I hope he's beside you, !aiya!


I will try to hint him next time lah okay when I see him, , alright I'll give you a better birthday present, no lah I don't have any birthday present I don't receive any birthday


I realize, I I realize when when we age ah, we we don't we don't celebrate we don't send birthday present anymore the most I receive is a maybe a kick from my friend, the courier over lah courier knock the door happy birthday this a present for you from wendy that's all a cake for you


I think that's about it leh but previously !wah! different when I'm young I received presents Iike watch lah, bags ah handbag wallet all this, but when I but I think when we grew old all while we manage our finance better, no not more manage finance better I think people are keeping uh


uh, having a tighter budget all these lah so we don't really celebrate what, giving birthday present anymore, the most will be your birthday cake and then they will just wish you on facebook eh happy birthday happy birthday that's about it,


!wah! #bo pian# I think is is good to be to be able to celebrate with family, , so now so every birthday do you still meet up with your family to celebrate


so you all go out for it for food for lunch for dinner for meals, (uh huh) (hmm)


but I think it's good ya


ya, eh actually for me ah the best birthday present I think is just a very, uh good, good meal with my family, I think that's basically good enough better than any present lor watch


ah I no need all this I just want a meal with my family everybody gather together and then have some comfort food, eh talking about comfort food, , what is the food what what is the food that will actually cheer you up when you're unhappy when you're when you're reminded that proposal day is your birthday


(mmhmm)


oh so you like chicken rice, so you only like chicken rice when you are overseas and then you will miss chicken rice, (uh huh) (mmhmm) ah


for me I think I I prefer I prefer dessert ice cream, but I think, no I just think eh something sweet to you know balance out the sadness in your life sometimes


no in singapore life already very stress ah sometimes eh when you have some free time you just sit down relax watch your movie, and then have some something sweet whether be the cake or ice cream that's something that I enjoy is my so called comfort food, yes but


for non sweet stuff I actually prefer Bak-Chor-Mee lah, not so much of your chicken rice,


no lah not say not happy but because I need my me time, I need some time for myself, I love myself very much I cannot keep on looking after my children and then having them pestering me disturbingly stressing me everyday, so after they sleep right, I will not sleep our stay up even though I got nothing to do I'll just stay up


and then just browse through my my phone or look at uh watch a movie, so, and then enjoy myself, ya I enjoy myself eat instant noodle or you know just get a tub of ice cream and eat, and then now we just waste time there until we sleep at night until maybe


maybe about three three AM, then I decided okay I should sleep now, so next day I wake up feeling very tired but at least I'm happy lah eh I spent some time myself, no disturbance how about you


yes yes I uh treasure this a lot I want this a lot even though I got nothing to do I don't want to sleep, I just need some time to love myself , and also catch up my drama lah you know, korean korean drama I cannot watch with them around later because they're supposed to learn english and chinese not korean or japan


japanese , so I only watch out this show ah after they sleep, and then I'll cry to myself lah very sad lah the show, , no leh he don't like he say his very what this kind of show you also watch


ya but the kind of show that he watch ah is even more boring you can see people flying around jumping from the mountain won't die one,


uh no leh ideal perfect day ah I don't have I don't think there's any, leh, I think everyday uh everyday is very stressful we you know we've, having kids around having kids out with age, such young age ah five eight eleven they really give me a lot of hell


so the only time I enjoy is when they are asleep, with them around I don't think I, don't think I can actually cheer me cheer myself up okay lah sometimes they cute lah will make you have, but most of the time I'm actually shouting at them