I said from far ah I already saw ah I already captured the video then he tried to tone down already so that I I said that I captured inside the video, then I I told him I say come on I say just play a good part in singapore everybody are now so called suffering from this circuit breaker we need to so called keep the even the street is clean and all these also is to prevent the virus from spreading all these all these also play a part then I talk to him


quite in the so called positive term I'm not like very harsh and shouting at him or whatever I just talked to him in the reasonable manner, and then he slowly to he he he toned down, then he say what you government officer ah, you from NEA ah !wah! start challenge me challenge me again oh it make me boil up again oh I say you don't care who am I I say I'm a typical local bred singapore citizen born here I said I saw you littering I say I got evidence


so I say very simple now you now you really make me pissed of ah I said uh now I have this and then you as a foreign worker I got your picture everything I can submit you know that during that time ah this , our minister said that okay anything you need to submit you can submit to the one service there's a app called one service ah so that I I told him I said I can easily submit your picture everything in one service then they will come after you you know then he try to then he then he try to tone lah I say I don't want to make your life difficult but


I make I make myself ah to punish him you know what I do I say from here from this lamp pole to the end of the lamp pole I want you to go and pick up all the wrappers or whatever on the floor ah I don't care whether you throw ah I want you to go and pick up everything I wait for you here !wah! then


then he he ya ya that yeah he, ya he he as as as he walk along he pick up I follow him lor I following him mah because after all I am I I still got time my family I mean waiting for, ya


no lah no lah I I'm out when I when I talk to him the time I find that he start to tone down already then I then I dare to uh actually instruct I say I say come on I say let's let's pick up the the the the the all the wrappers that you just throw along the way you know you know those biscuit you know, uh a a piece that you open up inside got three pieces one he throw all over the place oh and then I also pity him an at the at the lunch ha he eat biscuit he got no money you know okay he just eat biscuit I I say yes


ya that's why that's why yeah yes yeah uh yes you are right you are right ya yes yeah I agree that that I ya uh


correct , ya ya you are right ya I observing him


is it ya so so so so after that when I follow him he pick up already then after that I mean maybe he he also he also notice that he is in the wrong lah then he apologise he said ya he's feeling bad I say I say he he also why are you eating biscuit I say you you your your boss actually the the bosses, still ah so called continued to pay them you see I say your bosses didn't pay you so you don't have money to eat lunch he say no he say everyday the bosses will come two time to give them the packet rice he say don't know why today didn't come already past uh coming to one thirty that's why he eating biscuit so he feel the frustration I understand from that from talk but in the way that


at that time he really pick up ah so he pick up all the all all all the all the little and then just throw away then I I just said I say I say I say good day to you I say hopefully your boss will come this evening and and I say don't don't dirty the park I say everybody need to walk here especially in this circuit breaker


ya so , correct , yes


oh okay (mmhmm) (mmhmm)


correct all cloth uh it's a cloth it's a cloth, , breathless lah ya


, okay ya


, ya remove lor ya yes


, have the ,


ya ,


!wah!, oh


ya, I see


, , ya


!wah! , , !wah!


, (mmhmm) ya (mmhmm)


ya , virus ah ya, ya


yes , yes


scan again lah ya, , , yes yes yes


you you you didn't you didn't use a trolley you didn't use a trolley, oh okay oh, you didn't you didn't you didn't buy a lot lah not like not like me ah buy the whole family you know I I go !wah! every time I go buy ah buy one whole family I buy maybe uh three four days of grocery cheese


fresh meat [ah] yes yes yes yes, because people don't give way then then they say safe distancing with a trolley all this and that I tell you very very so called inconvenience [ah] I tell you when you


part two positive experiences, eh hi


!wah! that's good


, yes


agree ya,


addicted ah, addicted already ya, (mmhmm)


oh okay, , ya, I see


ya okay, no not at not not really because my my condo here there's a gym lah but I hardly use okay in the way that


I only go into some kind of like take taking a form of exercise like marathon running all this only for the last uh so called started in the year two zero zero seven when my ex boss ah so called introduced to me eh come let's go for it I told him you must be crazy you know


in my national in it's in my national service time ah I don't I don't even need to run then now he asked me to go and run a marathon for forty forty two point one nine five kilometre I finish it I finish it ah he said you can make it you can make it so actually I don't think I can make it you know but eventually when they keep


throwing the positive idea to you ah then I find that !wah! the first one I really make it you know I'm really finished it and cover in seven and a half hour can you imagine and then after that your whole leg ah is all blisters and all this and that then then you then you go back ah !wah! you rest your leg you will feel like you are going to hang your leg up for three days ah


but after that you after that you become you become you I mean addicted you know so oh next time they said oh come let's go for a uh trial run uh exercise five kilometre ten kilometre, so we feel that !wah! we become addicted if we didn't run our bodies feel like not easy so every now and then that at the time I took and follow them go for the running session and then uh every week can at least run ah can you imagine every week can create at least hundred over kilometre every week


ya and then I ya, running because but don't but it ya but you don't but a lot of people think that running is uh so called uh it's a free exercise but I tell you friend, running is a very expensive exercise you need to have a full gear your your your your your your your track pants and then your expensive running shoe then after you buy already oh wrong you see other people buy this one you got to buy another one so imagine ah


during my ten years I calculate I bought a lot of shoe you know very expensive shoe you know then after that so when government said oh take up running is a very form of uh so cheap exercise not true it's not true you you spend a lot of money end up you spend a lot of money ya but I find that,


uh uh uh , yes


correct, yes yes


!wow! is it


!wah!


, okay yes yes ya I see


correct


I see


oh okay,


I see, !wah! that's crazy


I see not easy ya,


, I see , !wah! !wah!


!wah! okay, I see,


!wah!, go where carry muscle ah muscle,


yes yes yes ya , , !wah!


!wah! yes yes yes yes, !wah! okay


I see, !wah!


ya, so is to keep up uh continue, then as for


correct yes, I, I I don't I already


already stop running uh since uh two zero one three onwards so I just do do walk no no walking walking and swimming only ya, because let me let me share let let me let yeah let me share with you ah during the I start in two zero zero seven ah start running and then ah stop at two zero I think two zero one two the longest ah stanchart I mean I mean I mean the december let stanchart is my last run lah okay so the five all the five years ah


five to six years ah I completed I think five stanchart marathon and then ah five ah sundown marathon and in between all those half marathon twenty one click all these I I got a lot of medal, you know I can show you ah !wah! but but but but but I I I happens that because my ex boss he encouraged me to run with him so we we get to


meet all his friend all this and then all all those all those ah the big boss ah the Towkay ah all these company all all the big big bosses that they they can't run and then yet !wah! you see the way that they put on their attire you know what you know what they tell me is that you know what they tell tell me is it


ya they tell they tell me in principle ah Beh no need to run ah you cannot complete never mind you see my attire from top to bottom ah I spent three thousand over dollars you know he say this is good enough he say, he say he say ladies uh like to go shopping so so when they are the big bosses ah !wah! they bought all trade top to bottom all branded you know then they say I didn't complete never mind he said but I already win when I go to show in the stanchart !wah! every every people take photo of me put on the magazine all this they I already feel very happy but I want to share with


you during my the fast five or six years ah what I again ah is that, actually is our mentality is our brain is our brain that whether we can make it so I realise that first of all you no need to to say that you are very uh fit or all these to run uh josephine anybody can complete the forty two let me share with you how okay if you you break up into two portion ah first portion of running is that


for the twenty kilometre you really put in effort to run the run I mean you put in effort is not like you dashing or all this when I first when I first uh so called run my stanchart ah, eh I already forty five forty six plus already you know and I saw those youngster twenty something !wah! when the the they fire the the gun straightaway they all run so


halfway midsection around maybe thirty kilometre ah they all restless all on the ground all #peng san# then uh when we're catching up we can complete that's how that means share with you what is the strategy the strategy is very simple for the first twenty kilometre when you run, you run two three kilometre than you rest take a drink then you break it up so when you're able when you're able to complete the first you're able to complete the first twenty kilometre ah


the rest ah I tell you is all just walking I can tell you for the first half of the marathon I really run ah but after that the the the the next twenty ah I walk run walk run and walk one kilometre run five hundred meter all this so slowly so end up ah, you can actually finish it seven hour in singapore is very good


in singapore is ah no no no no no no, actually it actually it it is it it must have the plan so when my when my when my boss share to me ah !woo! that's why I no training no nothing ah I can finish it in seven and a half hour that I follow his trick he he he he say ah just join me ah so I joined him so after that when I realise oh all this is actually you need to plan lah everything you need to plan so it's all all


in your brain no need no need no need ya yes yes finish it yes, but but I but I share with as you said as you said we are catching up with age ah why I stopped because after that uh uh a few time that I after run ah I find that eh how come my sole my sole part is a a bit pain during my national service time ah actually I I'm not put on combat because I'm a flat feet


flat feet meaning that they they they excuse you most of time no need to the run this and that then I I realise that when I go for running ah I must buy a special sports shoe all these to run but after that you still feel the pain when you run for five six years ah then I realise oh maybe you need to see a doctor and check so one of my my medical officer or doctor


ya ya keeping fit lah ya, yes yes yes agree


swimming swimming, yes I do I do at now now I do walking yes, yes, especially ah in the this uh circuit breaker time ah I'm the only person who actually go outside ah for my whole family because everybody stay at home mah I every day I walk two time ah from my house I walk you know


walk ah to Bedok interchange ah to get the lunch from them uh dinner from them, every every trip ah to and fro ah is coming to uh five to six kilometre so everyday ah everyday I I I walk two trip ah already cover ten over kilometre already ya so I I lost two two and half KG in walking during circuit breaker


yes walking only walking only okay walking only ya, uh very big yes yes,


you no you no need to go outside already ya, , sport shoe actually ya yes, oh okay ya


yes, yes


follow my my wife my wife is uh is is addicted so I I I got to follow mah ya, oh


oh, yes, yes


so are they actually uh this all all those korean drama they actually put the scenery nice to encourage it that is to lure the tourism for people to visit the country do you know that that the all the all the, ya yes ya, yeah


you learn from the culture of the drama from there is you learn you see yeah, I see I see


yeah, okay that's good lah yeah


yes agree, my wife also lah yeah


yeah my but my my wife always say !wah! the Oppa Oppa !wah! this one this one handsome that one handsome !wah! so always talk about all this [ah] you see when they see korean drama


prompt one out of four


for me currently I don't have any personal insurance because like I'm still unemployed, but I think I will get personal insurance when like my income is more stable


how about you


uh not really


so would you get an endowment plan, I think if uh like I had a lot of money or if like my salary is quite high then I would consider an endowment plan


I think it depends because if, I am like if I have, the time and energy to, really invest in a like monitoring my investments and stuff then


I would prefer to keep them apart but if I don't have like the time to manage it like, by myself then I think I would prefer to, mix it what about you


maybe whole life because, term life, like if once this policy ends right then if you are at a age that is a bit old then your next term policy would be


much more expensive cause you already, like at a, older age so if I think if like, you are thirty plus and then you have the ability to afford a whole life insurance I think it'd be better


yeah


okay do you think CPF coverage is enough and what are your thoughts on dependent protection scheme medishield life eldershield and medisave


okay


I think if like if it's small illnesses I think it is still okay but for like big or like very serious accidents or illnesses I think CPF is not enough yeah


so would you approach an agent or DIY when it comes to insurance planning


I would prefer to approach an agent if I know like a close friend who is like who is trustworthy and


I can like know the person is not like too pushy or like like trying to cheat you yeah so if if like there is a close, friend, who is do offering this financial services then I would go to the close friend


yup, so what do you look out for when buying an insurance policy


yeah I think, the premium and uh like the duration of the policy is mostly what like one of the first few things that people look out for when they consider


so do you see insurance as an essential expenditure


yeah I think like, especially when you engage in like dangerous sports like like cheerleading like any any training you can just


break an arm or like break a bone so it's important to have medical like coverage so you don't have to worry like, like oh the X ray is going to cost a lot or like you or you don't seek medical treatment because you can't afford it yeah so I think


yeah all the time but then because, like I was, when I was in school then there was insurance coverage for all students yeah so actually I didn't have to pay a lot of and like any at all for like any treatment related to injuries


yeah so I think, health insurance is definitely like essential yeah


yeah, because like like house car, insurance not really applicable to us like, currently so I think mostly people our age would look into like health and travel


especially because if you start getting a health insurance when you are young then the premium is much lower, than if you start like when you are older yeah, okay oh


I think, if I think , around ten percent the ten percent would be around like a few hundred dollars which I think is, a reasonable amount to spend on like


insurance and what do you think, then how much coverage like would you expect


to get from your insurance


, I think like, for me I would prefer to like look around, and compare, and see like which policies are the


best like provide the most payouts or like have like the, relatively lower premiums for relatively higher payouts or like better coverage cause like I don't


think you'd have the need to like, stay with a single provider if like there is no incentive to do so, yeah


yeah I think, it's important to get an insurance for all of the above, especially like, buying a car and getting a property all these, like starting a business because all these are like like when something hits like it's


very serious and it will cost a lot to like, fix or manage or anything, so it's important to get like an insurance on all these big purchase items like, for travelling overseas I think it depends like


if you're going somewhere nearby for just a few days, uh, I think it's okay if you don't buy insurance if it's just like, like a weekend trip but definitely if you're travelling far and uh for longer periods of time


I think is important to buy insurance cause you don't know if you will fall sick, or like, and there'll be delays, or like baggage losses, which are very common, like in other countries not so much singapore but yeah


maybe when you transit, uh yeah, yeah me too, I don't know I think


I'm not sure if it's necessary like I think there is like some ruling that, you have to cover like, your helper if, like it's a permanent full, time helper, yeah but I'm not sure but I think like the maid agencies will advise you to yeah


so what do you look out for in an insurance agent


I think, firstly like they should like an insurance agent, shouldn't like too overly pushy, and yeah should be like quite


approachable and knowledgeable as well, and I think, the most important thing is like it must be someone, you know personally or trust so that, like when like they have your best interest at heart like they actually want


to help you instead of, or like just hitting their monthly targets, yeah, so what questions would you ask your insurance agent when getting an insurance policy


yeah, I think, like I will, ask how, it compares with other


policies, but I would also try to like research myself to, like side check so that you, can make sure that the like the agent is like knows what they're talking about


I have, two savings accounts so I


I, have the, POSB one which I had since young and I, also have a standard chartered jumpstart account, that I put most of my savings in because it has like a much higher interest rate so it yields I think it used to be two percent but now they lowered it to


I think one percent yeah but it's still much higher than the POSB one so I keep most of my savings inside, yup I have a debit card and I because I don't have


like a income of my own, I have, subsidiary, credit cards, that are linked to my mum's account, so yeah like, they said the rebates and the points you receive on a credit card are


much more than like just a regular debit card so if I go out and make purchases like grocery shopping I will usually try to use the credit card, and I think it's better because you can


enjoy these benefits but also if you pay on time every month in full, then you don't have to worry about like, racking up any interest or anything, yeah


I got


my debit card it like when I was, no not debit card but like ATM card, it when I, when I was P five so I think maybe when the child goes into secondary school, that will be a good time yeah


if not it'd be a bit inconvenient to like, every time, have to pass your child cash, yeah and like what if, you forget to pass your child cash yeah, yeah so I think when, they go into secondary school it it will it will be a good time to learn the responsibility lah


yeah


prompt three, uh


it's not something specifically but then there's this reddit on reddit that is like nosleep so the submissions there are really scary like okay, like the usual ones are usually like someone is home alone then like somebody break into your house or something or or like


somebody kept following them from outside back to their house yeah those those submissions are really scary


oh there's this movie the the nun that one is very scary yeah I think that is like the scariest horror, movie show I've watched okay describe a time where you feel that you have committed something gravely wrong and there is no way you can get back up and


start over


I think I don't, know I guess I guess like a few times in my life I feel like


I chose the wrong subject combi yeah and then like like it was just really tough and frustrating to go through like years of learning that subject that I have no interest for so


so like I, took econs uh economics in JC which I really regretted cause I have no talent in econs at all and then like, I feel like, I would do much better if I took literature in JC instead cause


what I had, had tuition for econs and like every week and I spend a lot of money on tuition and stuff but I still got a C so like yeah shouldn't have chose, that subject combination yeah


okay , so I place an order online for these two shirts and it was like back in march and I still haven't received it and the seller went like missing so the seller didn't even like reply or like


for a few months and kept saying she's sick and stuff so I made a police report cause I was so angry I made a police report and then one day she reached out and she's like uh please email me so I emailed her and then


like she promised me once again to refund me by the weekend and of course when the weekend rolled over she didn't refund me at all so I had to go and like update the police about her second scamming yeah so that that made me really angry


okay, I think gory stuff like, blood yeah like gory scenes yeah what about you


yeah, oh I think brinjal is disgusting yeah eggplant it's like very mushy yeah I don't like the texture


the what oh pickles, okay


what is an issue that you feel upset over because though you feel the world needs to do more about it


yeah I think like pollution especially like in singapore when when I live like let's say in korea right they really recycle their trash a lot and then they sort their trash according to like food waste and like plastics cans


and stuff but then in singapore we don't have such a habit at all and we just throw all our like all the trash down into the the rubbish chute, and I think like it's because we are so small that like it makes our number seem really low so we don't care like the government doesn't care or


about like recycling and like environmental issues but we should really care more cause, like every time we realise it's a problem but people still keep like not caring then the problem gets even bigger because of that then like we have like even earlier estimates of like


running out of this running out of that or like running out of, like wood or oil or whatever yeah I think we shouldn't wait until like when we really run out


then we try to solve the problem like it's not sustainable in a post COVID world what are some of the worries and anxieties that you face


yeah and I think like a lot of businesses are closing down because of COVID and life actually is, like but economy is shrinking a lot so I'm I'm afraid that like if because even if we find like a vaccine or something but I don't think we uh I'm afraid we might not return back to like the original state of things like it'll be


have we will have to like adapt to a new state so like that is quite, worrying and yeah I hope it doesn't happen like I hope we can maybe go back to how things were or like even better yeah


is this, okay describe a time, when you, hurt someone's feelings


I don't know I feel like I'm not aware of the, times like I don't know like I probably made someone really mad or like sad because I don't


know, maybe I was rude yeah what frustrates you,


yeah I I I hate it when people like large groups of people walk in a line and then they cover the whole sidewalk so you can't like overtake them unless you walk


onto the roads or the grass or something yeah that is so annoying and like they don't notice people coming from behind so they don't move aside, yeah K what's the worst you have witnessed and kept quiet


about


where did he even get a box of grasshoppers !huh!, , I think I don't know the worst is probably like someone bullying someone else like when I witness someone like a classmate bullying and that that kind of thing but I kept quiet about it or like my friend stealing


mashed potatoes from the convenience store yeah so I asked her, right, I was like did you pay for it then she just say no then she walked out so then I didn't say anything else yeah


okay


, I think


I think the scenes like like in train to Busan where there's like evil character yeah who is like selfish and doesn't want to like help others, that's that's the scenes where like it makes me really angry


yeah


until now I think there were a lot of times like maybe I saw someone in need but I was rushing for time I was rushing to get somewhere so I didn't help yeah I feel like there's


err I think it would be like ghost that I'm quite afraid of ghost what about you


I think there was there, was one time, when like, I went out and then we had planned to eat something that we read was really good online but it turned out to be not very nice and then also like I


like I had cramps so like I sat down somewhere to eat medicine and then because like, I sat there and it was dusty, then I had, like allergies the whole day yeah so it just ruined my day yeah everything just went wrong from like the moment I stepped out of the house


no not really, you


, I think I feel like giving up all the time before like my final exams like cause I'm not the consistent type to study throughout the semester so I usually cram everything like right before the finals and then


like it is quite impossible to cram everything so like I feel very I feel like giving up all the time ,


, think right now it'll be like not being able to like go back to pre COVID times, yeah I hope I don't know yeah I hope


prompt, two, positive experiences


I don't, know I think, uh, when we went to, times square in new york it was really quite like because there were like the digital billboards everywhere and like a lot of light and they


and a lot of the shops really stay open like twenty four, hours so it was quite, amazing yeah I, like I I think I prefer, uh like that, like travel destinations that are more towards


like the city instead of, like like camping ah like nature, like mountain climbing that kind yeah I prefer like shopping like modern destinations what about you


but was it scary, I don't


don't know, I don't I don't, recall any good deeds maybe like can I can only remember that I managed to get like a ten dollar voucher from doing a student survey in school recently yeah what about you


so describe an experience when your faith in mankind was renewed


I think when I look at like nurses I feel that like they really like they really selfless like unlike the rest of us so


yeah when I look, at nurses I think they are very nice yeah, and they're really brave to do what they do cause like I can't imagine myself being a nurse cause I'm a bit like afraid of blood yeah and like gory stuff but they can handle it even like if they have


a lot of, pressure yeah okay, what leads you to experience an adrenaline rush


I don't know I think when I compete, yeah when I compete probably because like the performance is only two minutes long so yeah during that two minutes you really have like the most adrenaline rush because


it's like all you've all that you have prepared for the past year you have to like do it well on that two minutes on the mats yeah , okay


uh describe the moment when you felt the luckiest


, for me, I don't know I


think like, I don't think I'm very lucky like probably when I won the survey yeah that was my luckiest moment what was the proudest moment of your life


uh, probably similar like I think the proudest moment of my life was when I placed second in the competition yeah so this then then like when I went up to receive the trophy that's the proudest


moment of, my life okay what amazes you, yeah


I think especially people who like haven't received a lot of training but you can just see that they are very, talented yeah I think that's very amazing


yeah I think yeah, paralympics is amazing especially like when I used to do archery then I look at, like the I watched


the the archery segment for the paralympics that is quite amazing they're like I don't know, some people some cause when we are like sitted on a wheelchair it's much, lower, right so it's much harder to aim cause like you have to aim higher and the arrow also naturally fall over yeah so it's a lot harder for them but they can still shoot really well yeah so what makes you want to be alive


okay, I don't know I think just like I think


I just it's not so much I want to be alive but I'm, scared of dying like I think most people are, scared of dying right so like they try to keep alive yeah like because you often I don't know maybe is like movies or what


but we we often think that like dying is quite painful like the process of dying yeah, so I, okay


I don't know , what about you you say first


yeah but I feel like there are like much more harder skills that I can still get so I'm not proud of anything yet when did you blush, the most


I I also don't remember okay never mind describe your favourite activity to unwind and relax


I like listening to music and like watching like just random videos on youtube especially like the the baking ones I like to watch the baking yeah the baking videos without any music so it's like ASMR baking


yeah , okay , (hmm)


I don't remember I always think of like the good the best comebacks after the argument like not until the end that are given yeah, uh


I don't know


I don't know I think cause usually like I like to get involved and like plan the birthday so yeah, I don't really like surprises okay despite the ongoing global uncertainty what makes you optimistic about the future


I'm just looking forward to travelling again like I so boring to stay at home all the time


okay uh, oh, I applied for like this position in a company that's like it's really well known and I didn't think that I would get it but


I, managed to get the interview call yeah so things went better than expected and then I thoughtthat I like did poorly at the interview but I got a second, call yeah so


that's when things turn, out better than, expected how about you


!huh!,


I don't know I think like think I'm quite, , I don't know can you go first


I think , maybe like, I think I like animals, a lot, so


like, yeah I like to like take care of animals and like try keeping different kinds of pets K describe your perfect day


I think my perfect day it starts from like waking up whenever I feel like and not having to wake up like early in the morning then getting like


any breakfast that I feel like, having which is usually like waffles or something and I want to have, like like I want, to be able to order the fast food breakfast during lunch hours , yeah K so and then yeah and then probably just like playing games all day


I think I love ice cream as comfort food, especially like because it's so hot in Singapore, yeah so I eat ice cream very often


what's your favourite instant noodle


yeah connect already, uh prompt one out of four, okay


so uh do you have any personal insurance, K


right now I would say don't really have in the past like during army yeah all NS people, are covered by insurance from AVIVA yeah, so afterwards since then I've not, not yet covered under any insurance ah yeah


and for me I think right now, it's not really that important for me to get any, insurance yeah, because like what you said I'm I'm also unemployed so, yeah don't really have the financial capabilities to, get an insurance yeah uh


do you know what is an endowment plan, right, so from what I've read online endowment plan is like, a, whole life insurance kind, of plan, yeah so uh it also entails sort of


payout at the end of the plan or something like that lah yeah but would you yeah, would you get endowment plan for me I I don't think so ah


yeah I would prefer to get like a term life insurance plan, yeah


K, so right so buy term and, invest the rest, do you mix insurance and investment or do you want to like keep them apart, right


I think it's also the flexibility lor so, like I would want to choose what I want to invest in so I don't want to like mix both the investments and insurance together, yeah,


okay, uh right so just now I talked about yeah the term life and versus whole life insurance which one do you think is better, for you


yeah, that's true I guess like for me term life is also better because like you will also have the flexibility to change your insurance depending on your needs at the


time of your life yeah yeah, K, so do you do you have any ILP investment linked policies uh like, what are the thoughts are included in your insurance portfolio I mean yeah just now we mentioned we


don't really have any, insurance policies right now right, so I I think I wouldn't be getting an ILP ah because from what I've known, the, the risk is actually quite high, yeah, so and and like I said would rather separate my investments and insurance lor


yeah


I think CPF insurance is enough for like basic health coverage, yeah so like, , hospitalisations and well surgeries and all that


yeah are like, very expensive so even the basic CPF insurance, coverage is I feel is still not, enough lah, yeah what do you think


, right , (mmhmm)


I guess it depends on the insurance that, I'm buying lor, right so if comes to travel insurance I'll definitely want to DIY yeah uh but if it's, regarding health insurance life insurance I'll probably approach uh an agent because of all the technical jargons and all that that I'm not familiar with and they can they are in a better position to help me with ah


yeah yeah yeah yeah that's that one again, , yeah


I think definitely I will want to look at whether is it a term life or uh a whole life insurance policy I'll definitely look out for what it covers right so if it's a health life insurance I want to see what it can cover then the premium of course


uh how much do I have to pay per month and all that yeah


I think for me, yeah I see it's an essential expenditure because you know you never know when you know you are going to probably get into accident or something


unfortunate is going to happen to you so it's great to have this sort of insurance to protect yourself and also your loved ones ah yeah what do you think,


yes yeah, yeah


so so you said so you said you were in cheerleading right did you actually have any sort of all these accidents before, oh my god , oh


alright, K right, okay yeah that's true


K what kind of insurance are essential for people of our age, , so yeah I think because people of our age we tend to travel more often so I think travel insurance is one of the more


important ones ah, yeah, yes that's true


okay right so uh what percentage of your income


since we don't haven't yet spend, on insurance, what percentage do you think it's, , okay to spend on insurance


ten percent yeah, uh yeah (mmhmm) okay I think yeah ten percent would be also be a reasonable amount lah


yeah, I think uh, it depends on the insurance policy lor so for getting a life or health insurance I think the basic one


is uh like, permanent disabilities you know, and uh, hospitalisations all these, yeah , do you want to get insurance from just a single insurance provider or do you want to pick and choose the products from different companies


multiple companies


yes that's true, but I think uh that also depends on uh


like your financial situation, also, whether you really have the ability to afford than that many products, and all, yeah, so, right would you want to get insurance when buying a car


getting a property travelling overseas having children engaging a domestic helper and engaging in commercial activities


yeah, right, yeah


, yeah that's true which is why yeah which is why every time I, go overseas I would buy insurance for our family and all that yeah, and for domestic helper do you actually buy insurance for them


okay, I see


right, yeah, yeah okay, I guess first of all I


he has to be knowledgeable about all the different kinds of products, and all that yeah, what do you look out for in an insurance agent


(mmhmm) yeah


right,


so I'll ask like what definitely I will ask what is the premium for the insurance policy uh what it covers, and then uh , how the insurance policy will like compare with other insurance policies on the market, right yeah


(mmhmm) alright


okay so, yeah I actually have a savings account, uh with, uh POSB so, yeah , I have it since young actually uh, uh my mother made it for me and up till now


savings money inside yeah how about you, alright


oh yeah, yes I heard, (mmhmm) okay yeah uh I have debit card and yeah


I've to apply for it because, that's like the, the cashless mode of payment, right everyone uses it so yeah, I mean it doesn't really have that much benefits as compared to, credit cards


but it's still very much of a convenient way to pay for things


think for me I think probably around fifteen or sixteen would be okay because that's the age where I got my own err debit cards yeah


yeah that's true, yeah


prompt three out of four, K describe something you watched or read that gave you goosebumps


, oh no I know what you mean yeah, okay


(mmhmm) , right, for me


would be those horror movies like conjuring so yeah those were one of the scariest movies I've watched and that gave me goosebumps lah, yeah oh


yeah right, yeah right, K


gravely wrong I guess I haven't really done something that, that but uh, I guess it would be that


during PSLE right uh I, instead of studying I went to play computer games, and that actually resulted in me uh not getting very good results and my mum was really upset over it yeah


so I mean there's no way I can keep it up and start over right PSLE is over is over ah yeah so that's something which I really regret a lot it's not something that is gravely wrong but, but yeah it's, I still feel that is something that I shouldn't have done lah


yeah what about you


, oh


(mmhmm) !wow!, yeah, that subject combi yeah


K describe an event that made you very angry,


right oh, oh


(mmhmm)


right for me I guess it's very recent so uh it's on my birthday and then, then I had, uh a burger a beef burger and it was actually pretty undercooked so after that meal I went home and


I got a, severe food poisoning and yeah like whole day was just ruined and because of that my my birthday was ruined and all, then yeah so I was quite upset and angry ah, yeah


K what disgusts you, blood,


I think for me is you know those images with like objects with all those, circles you know the holes and, all that yeah that's actually pretty disgusting


oh brinjal oh, uh uh, I like to eat brinjal , for me, is, like those pickles we find in uh uh


burgers yeah, it's, kind of disgusting pickles yeah, okay


, global warming right, I I guess yeah, right the world really needs to do more about this situation it's getting worse and


worse and like, no one's caring about it anymore we are still polluting and all,


yeah , yeah


right yeah


yes that's true yeah, uh yeah


uh, I guess for me eh because right now we can which we have seen that work from home is


actually uh a pretty legit way of doing things where, so I worry that in future, work from home will be the common uh mode of work you know


where all companies adopt and then so what's going to happen is they will employ workers from overseas because work from home because they can just work from home right yeah so that would mean that some of us singaporeans would lose their jobs to people overseas yeah


what about you, (hmm) yeah (hmm)


right, right right


more, uh yeah okay describe


a time , I guess should be a time, uh like I mentioned just now the, during PSLE like so when I got back my results uh I did it wasn't that bad but


uh it, was way below my mum's expectations so when my mum know about the score that I got she was so hurt she was so upset and she actually I, heard her crying in her, room ah yeah and what about you


, right so for me uh something that I encountered, earlier this morning right so is when people they stand on


the right side of, the escalator and then they do not want to move at especially when you are in a rush, and in a hurry to actually catch the train that's leaving and they are just standing on the right side of the escalator with someone else beside them on the left side so it's so frustrating and you know yeah spoils your mood


yeah , yes


yeah they are like oblivion to their surroundings, ah , I guess it would be


like a form of a prank that my friends my friend did on another friend, so basically that victim was away he was in toilet or something then my other friend that's being very mischievous he put a box of grasshoppers into that person's bag


yeah and so when he came back the when the victim came back he opened his bag and, you know the grasshoppers start jumping all over yeah and I've witnessed everything but I decided to keep quiet about it so I didn't tell him who did it to him lah


, uh I have no idea ,


yeah right, , !huh! oh, no,


right , recall a scene from a movie that made you too angry to watch


(hmm), for me it's not so much of a scene but in general you know those horror movies uh, the characters they just decided to split up and go different ways and that's where they get caught by the ghosts yeah that make me actually very angry like why do you have to split up it doesn't make sense


(mmhmm) right


yeah right, yeah, yeah K so describe the


time when you are, unable to help someone in need,


right , yeah so so like right like what you say lor like you know those MRT those there are people


who are asking for donations and all that but but yeah you know rushing for time rushing to catch the train it's like, there's no time to stop, stop donate some money, yeah, so what is your greatest fear


ghost right for me is more


of like uh losing your loved ones, so yeah right, K so a series of, unfortunate events describe a time when everything that could


possibly go wrong did go, wrong, , (mmhmm) yeah I will


right oh, !wow!, yeah right


K so for me uh uh there was one time when both of us right we went out and then my phone my phone had no battery right but I needed to call home for some reason right


uh and then just so happen your phone decided to die, at that time as well, and then we have no phone and we have to go around finding for phone yeah just everything just went wrong from there on


okay so do you have any phobias, , for for me I guess I do have a little bit of fear of height yeah little


bit of fear of height, uh I, guess after army and all that, I don't really have that already, yeah, describe a time when you felt like giving up oh


, right, (mmhmm) right


okay for me is uh, back two years ago in uni right uh


I've I've got a lot of responsibilities both academics and CCA so uh there was a lot of things on my plate and I really felt like giving up on my CCA to just focus at on


my studies ah yeah but then I managed to push through in the end K so what is your greatest worry,


(ppl) okay


prompt two out of four, K so describe a travel experience that left you in awe


let you start first , oh


, , for me is the opposite lah so one travel experience that really left me in awe was


uh, one year I went to nepal, yeah so, I went paragliding at nepal and it was really one of the best experience in my life ah is first time doing that and you know the scenery was just so


beautiful like in the sky you will just forever looking all the paddy fields and all the lakes and everything it it was just, yeah it was scary of course like the instructor that you were paired to he was actually doing all sorts of stance in the air and you can just like it's it's also like a roller coaster ride throughout


yeah K so what was the best reward you have ever received after doing an awesome good deed,


oh, right right , I think I, good deed that I've done is just maybe just helping that old man cross the road when I was


in primary school yeah and, all that old man did was actually just thank me but, you know I just felt really accomplished at that time that I'm helping that old man cross the road, yeah, so it's just that appreciation and that gratitude that yeah that gave me it's all


, well I guess you know you've you've seen all those kind of videos on facebook


like there's, those hidden camera videos where there's passerby strangers they want to help those homeless man, right, they gave their food give their, money and all that, yeah I think that that is actually something that uh renewed my faith in


mankind lah, like not everyone is so cruel and so, evil, but then again those videos might be staged so I, don't know what about you,


oh right ,


uh yeah, , , I guess because uh I play like basketball and handball in university so right during the competition the events being able to score the goals you know


hits it leads me to have that adrenaline rush ah especially when you know you are playing in front of a large crowd yeah that feeling is really very intense yeah what about you


you said you you in cheerleading right, so,


for me I think it was during army, right so it was during uh, uh an exercise in


we were all in the forest lah, then basically we operate in groups of four so what happen, that one time, was my sergeant actually lost a very important safety ring from the uh smoke grenade


so we're so we are all told many times to keep that safety ring yeah but so what happened then was he actually lost that safety ring, and we were all in the middle of a very dense forest, there's so many trees there's so many bushes the grass were all so tall


and like, it was close to impossible to find that safety ring so we were we thought that we are all doomed and we going to get punished but what happened was just within five minutes I was just walking around blindly, and then I just, happen to find that safety ring on the floor on the grass


yeah so that was really the luckiest moment of my life you know if not we'll get punished,


oh , uh ahead,


proudest, moment of my life, I've, I guess being able to, actually contribute, uh, uh to actually win one


one game of handball in a competition I think that was actually I was actually quite proud yeah, it was actually very difficult to win one game yeah because our team wasn't that great so being able to win that one game was yeah probably my proudest moment of


my life what about you,


yeah oh, I think for me what amazes me are those you know those young talented musicians like kids who are six or seven years old who can play the piano really well yeah


yeah, those kids just yeah amazing what about you,


I think like disabled people as well these people who, would have like, like , who have uh who are disabled you know they have lack of one limb or, another, and they are still able to do things that normal people uh can't do right and they can do it even better than us you know I think that is also pretty amazing


yeah, yeah


yeah


what makes me want to be alive I'm not sure what about you maybe, you say it first


!huh!, oh right okay , right


think for me is just , the chance the opportunity to compete at a, high level yeah I think that makes me want to be alive, lah yeah , so what is a skill uh, ability that you are secretly proud of having


this one's maybe, well for me maybe it'd be my skill of being able to clap loudly so you know like when people see


applause and all that you often hear those very loud claps at the end yeah that would be, me , what about you well you said you are cheerleading right so I guess your flexibility is


, right, right K,


what, did I blush the most, most don't really remember, the time where I actually blushed a lot what about, you


alright so, I guess would be playing computer games yeah what about you,


uh uh uh, oh, , yeah I also like to watch all those very satisfying videos you know like visually satisfying


and the describe a time when you made a comeback that shut everyone up, , I don't really have that what about you


oh right that is true I think that happens to everyone , right, K what is your best surprise,


didn't you receive any gifts or presents during birthday or something, like I don't know for me I guess uh


there was once on my birthday, and my my friends come to my house at twelve midnight and and just surprised me uh yeah I don't even I didn't even know that they were coming so yeah, oh


okay , K , I guess the


I'm not sure maybe, think what what do you think, yeah, that's true yeah


describe, a moment when, things turn out better than expected,


(mmhmm) oh, okay, oh


okay, it's great , okay, for me I guess like what I've shared, the previous about the moment when I felt the luckiest


so being able to find that safety ring that small little safety ring in the middle of the dense vegetation yeah it turned out better than expected lah okay so what is your best quality about yourself


uh


okay maybe I go first okay okay for me I I guess will be the ability to like , pick up things fast so like I learn different sort of, skills quickly be it on


like, like uh, computer software or maybe sports or whatever I just pick up things fast but the bad thing is I, lose interest in them very quickly and


when I'm not that, good at those things, lah so, I pick I learn things fast but, when I don't, don't really master them what about you,


(mmhmm),


I think a perfect day would, definitely be, be a day where nothing goes, wrong at all, everything just goes smoothly and according to my plans, so


yeah even if there is something that is unexpected it will be something that is good, you know, that benefits me in some way or another, yeah what about you (mmhmm)


uh I get what you mean yeah


okay, K what are some comfort foods you love that can really want to cheer you up Iike you rely on to cheer you up


comfort food, foods, ice cream alright


for me for me is the other way round lah, I I like uh instant noodles yeah, like Indomie and all, that yeah the Indomie yeah


and all those korean Ramen [ah], that


uh so how do we start I mean like


oh answer the question I thought it's like a I thought, it's both of us talking or we, answer, oh so one person ask question first then the other person answer first then after that the other person something like okay can


okay so I'll ask the questions first ah, okay so, do you have a saving account, if so share your experience and details of your accounts uh like why do you choose not to put uh


if not then why do you uh why do you not why do you choose not to put, uh your money in a bank


I have a savings account, but uh sometimes I, choose not to put, all my money in the bank because uh, for convenience sake lah like cash is still you can use cash anytime you you want to use but if you want to if all your money is in the bank you will have to withdraw money before you can use the the money


uh okay, so, uh next question is do you have a credit or debit card, oh uh debit card so usually what do you use the debit card for


for me right uh, actually my mother have signed up for me on a credit card and but I seldom use it because it's I feel that uh credit card is like you owing money to someone that means at the end of the month then you will


then you will then you will pay so if let's say you don't keep that money that you have to pay its like then the the the credit card will accumulate the, interest every month every month they would accumulate accumulate interest and you have to pay even more money to them so that's the reason why I seldom use uh credit card


okay so, okay uh bank interest, some people will say that bank interest rates are unattractive so, whereas others may feel their money is safe and accessible in banks in light of this would you save your money in the bank or invest it elsewhere


okay for my own perspective is I feel that uh okay keeping money in banks is safe and accessible that's true but however, if you want to invest right


bank is definitely not the place for you to invest because it's like totally not getting any interest the interest is like very low so you I would I would think that investing should be put into somewhere else instead of the bank


okay, if so share the details of your bank loan


ya uh for myself I, haven't got a bank loan before too, uh because, ya I'll prefer to pay things one shot lah and not, and not uh accumulate interest too, okay uh next is do you think couples should combine their finances and open a joint account


if you have a joint account with your partner share your experience and details of your joint account


uh yes I agree and ya so I, ya so yes I agree and uh this uh


like ya, so they should combine their finances and open a joint account , but also have their own, own account lah cause sometimes like, if let's say you don't agree to your partner buying this thing, but


uh but they want to buy it so, uh, so it's like not nice for them to use the joint account money to pay pay for it because the joint account is like a sharing is to share in between what then so you have to use your own money to pay so that's what I feel lah so should have two accounts two separate accounts one joint account and one for your own for your own spendings


okay, at what age should a child be given an ATM card to manage their own bank account, if your child has a bank account, share your experience and details of your child's bank account


okay what I feel is, uh yes we should let them learn how to save their own money, uh and at at the age of maybe about, fifteen fourteen or fifteen years old (ppc)


because uh, it is important to start from young lah you want to learn how to save money is really starting from young, and uh, because but but you cannot be too young too because of the because when you are younger like in primary school or what tend to be more playful then you'll misplace things ah so


so ATM card will be given to them I think about fourteen to fifteen years old, okay ya, okay then you ask the you can continue the next few question ah


, cashback points or miles uh, I think cashback ah because


uh cashbacks right you can get money back what, so people will people will tend to have uh, like, they'll want to use the credit card more, because uh, they will know that some money will be returned to them so


I will prefer to say cashback because uh points or miles is like you can get to redeem something is it points ya something like redeem something so but I feel that uh everyone's mentality is that to get back the cash better than getting points or miles to


to get something free because if what the if the item that you get is not something that you want then what's the point of getting the item might as well get the cash then buy something that you want correct, ya


okay so actually I have a insurance product and I think it's called pru wealth ah, ya it's called pru wealth which I bought from UOB ya so what this pru wealth is is actually is linked with your UOB account and


they will give you a certain your UOB okay so you must so what they are they are this thing this whole uh it's like a set lah, it's basically you must have three you must have a giro, and uh three I think


three giro three giro and one, one payment, so uh this is their concept of getting customers to sign up for this ah and also buy insurance at the same time lah, so I think because I think UOB is linked with prudential ah so I think they have this this uh set so called set like bundle lah


ya, ya uh then they will give you interest also every month, from your for your bank account


uh, I don't think I have a high yield bank account, or fixed deposit lah because I feel that such things right uh for our age right is not so advisable for fixed D right I feel that it's more for


older older people lah, because they put their money there then they wait for it to grow, and fixed D I feel is also for some people that, do not know how to save money on their own, so basically they just, put their money there then wait for some time


then for the money to grow, then after that when the money grow already so they get like it's like the bank helping them to save their money and uh, save their money and uh they get extra money because such things I don't think the interest is very high lah


so I don't I don't I I won't use it lah ya


okay so purchasing, investment products right okay for example like ETFs or units trust right, if I'm not wrong lah okay uh maybe I'm wrong I I'm not sure lah but if I'm not wrong you can just buy you can buy on your own


you don't have to go through banks to do such purchases and because one thing is that if you buy from bank so they get some commission also lah so what we always do now is that we will buy things on our own, so that uh, there won't be any


interest or anything coming out so, I mean you have to pay extra money, so I think it's better lah like that


in a post COVID world what changes are you making in terms of, spendings and savings okay uh, I feel that cash is very important ah, for it uh post COVID world because you don't know what the economy will happen you don't know if you are working adult you won't know when you'll lose your job or when uh


the economy will be bad lah so I think cash is a very important thing and, if you only start saving now ah it's too late so you must have savings you must already have savings uh before before before such things happen lah


and spendings wise right definitely lah you have to cut down, uh buy only essential items not, things that you don't uh not things that you want but not a need, ya so that's my things lah for changes lah


would you recommend uh, actually I think that it's uh, I will recommend them to save save enough money first before doing all these big ticket expenditures because it is very important for you to have enough cash before you can uh start a family lah


uh you have a lot of expenditures especially when you have kids okay maybe before you have kids when both uh adults are working right, it's better for the family, but after you have kids ah it's a different thing because you have to pay for them everything you need to count money for them


then you will also want to have a car or have a like, proper house to stay in what, so, what I'll recommend them is to not get into it too urgent, be prepared first be well prepared before getting into


into such things like that lah ya think through it lah think through it properly


what advice would you give, to get him or her out of debt ah uh, uh for such a thing right I don't think there's any good advice that you can give ah the only advice you can give is to tell them to


spend less money don't spend things on, not necessary items and, , and just not get into more debts lah, cause people like that they usually will, uh


it's because of some bad habits and then they will, get more and more uh, get into more and more debts ya


do you think what should own a credit card, honestly uh, credit card I believe uh yes for emergency lah but not but uh don't use it when it's not necessary for you to use use like debit cards debit cards is more is better because you already know that the money is already in your bank so they're deducting money from your bank and not


and you're not owing someone money so if let's say because if you have if you feel that you have a credit card right and your limit is let's say ten thousand, but your but your income is only four thousand, so, every month you have to that means let's say if you are heavy spender


then you will spend ten thousand by end of the month when you receive your pay you will only have four thousand to pay for the credit card, so it's not even enough so the six thousand will will be will will will will be accumulated interest then you have to pay even more money, so I think it's not wise to do such a thing lah


so uh, yes to have for emergency but not to use it regularly that's my view on credit card


that's true that's true ya that's why credit card (ppo) (ppb) honestly I feel is only for emergency [ah] ya, okay


okay, okay so describe something you watch or read that gave you goosebumps


ah I see so, actually for me is uh, like you know you watch shows that like they have like uh they cut they


like cut someone cut someone hand or cut someone ear out is like that kind of thing that really would give me goosebumps ah because I really like feel damn disgusted like !wah!, damn damn disgusting imagine if you are the one that is being tortured like that ya so I would feel that that's that kind of thing lah that will give me goosebumps ya


it's uh gravely wrong lah uh, that would be when I was in secondary school lah it's like when I do something wrong like it's like that was when I fought in school so


I feel that because why I feel that I can get I cannot I can uh there's no way I can get back up and start over is because uh everyone knows that you you, you did some everyone know that you do, you do something wrong and then like it's like your reputation is like very bad lah


so ya that is the time that I feel that I do something wrong and I cannot get back up


I see okay next is


uh what disgusts describe an event that made you very angry


okay event that makes me angry is like uh


like during NS lah like some people like they don't do anything but they ask you to do things so it's like they somewhat trying to like boil you then it's like that's make me that that makes me very angry lah because I, what I feel is that if you want to do something if you wanna ask someone to do something you must do it yourself you must show a good example lah not you yourself don't do anything and ask people to do everything


so that's not very nice lah ya, what disgusts me ah actually, is during NS life we go through all that kind of shit you know like we'll see uh we'll have to touch all the dirty things all that kind of thing ya it disgusts me lah clean the toilet all that kind of thing


ya disgusts me lah ya


okay what is an issue that you feel upset over because you feel the world needs to be more about it


uh issue uh for me is that uh , I feel that up to now we still don't have a vaccine for COVID lah so it's like , these kind of things it harms the economy harms the people it harms everything so it's like people will be even like because all along because it was never so long ah


a disease that we couldn't have a vaccine and, are trying hard lah to get this vaccine but but it's not working out well, for some reason I don't know they do a lot of testing do a lot of trial uh it's still not working out well so


ya that's an issue that I feel upset about lah because if this thing goes on ah it's not good, for everyone or anyone lah any country, ya it's not good for every country because the world economy works together


I think in a post COVID world right things that you will worry and anxiety that you face will be


uh like money issues because, uh some people will lose their job and some people some people just like because or will earn lesser then they'll have to spend more of their savings so that is something to worry and anxiety that uh our uh they will face lah it's like


uh ya not earning enough to to, ya not earning enough lah ya


okay so describe a time, when you hurt someone's feelings


ya I


ya uh I agree I agree ya uh ya may, hurt someone's feelings it's over anger ya uh, it's like when you're angry lah because when you're angry that you will say anything lah so ya


correct correct, so ya always remember to say the right things lah even when you are angry think think it through okay so what frustrates you


okay uh frustrating me ya is the same as you lah I think is you know when you try very hard or something like you try very hard, but you don't get the correct answer, so it's like it frustrates me lah because it's like I already try so hard, but


I still don't get what I want then, that's really frustrating because you still you got no other ways to, , to get the to get to get ya to get what you want lah


worst thing uh, actually I don't really keep quiet about things when I, witness it lah if I feel that it's wrong because i will voice out and I will tell directly to the person or uh ya directly to the


person lah so ya it's usually I don't keep quiet about things ya okay


(mmhmm) I think a scene would be, like when friends betray each other in uh movies lah


that I've seen lah ya it's like, like from close friends then like they do everything together all that kind of thing then when they like, from since young like until old then after that they betray each other when they're old, because of money because of uh this kind of things but ya this kind of things make people vulnerable lah so


but it's quite ya it's it's made me angry to watch lah ya


okay describe the, a time when you were unable to help someone in need


okay for me is uh, I I usually try my best capabilities to help people that asked me for help lah, because uh, ya unless you really don't want to help is this kind of thing is whether you want or don't want to lah that's what I feel ya if unable to help is only only can


think is about uh, someone lend money from you then you don't want you don't want or you don't have that, pity to help them but also cannot blame you lah this kind of things because uh sometimes you have your own need, it's also and then if someone borrow money from you then you will be like !wah! so so much lah they'll be like !wah! so much then uh then for myself how that kind of thing ya


uh, my greatest fear is that actually I will


uh my greatest fear is where actually when I feel that like, I will, how to say like my health like I, I'm scared that my health condition won't be good lah and stuff so it's like uh it's quite


suffering lah because if let's say you are you feel that you are not healthy or something, then you then ya so that's one of my greatest fear lah


okay


this is a series of unfortunate events describe, uh, time when everything that could possibly go wrong did go wrong


ya so just get through the good days right uh get through the bad days then bad like enjoy the good days lah, so the good day will come lah so you have to that that kind of thinking that uh no matter what the good day will come, it's just it's just a bad day or this kind of thing lah ya that's uh I agree too lah I agreen


okay so, do you have phobias how do you overcome them


uh for me phobias ah uh, not really eh like some people I know that have height phobias to kind of thing, uh uh how to uh how to say phobia phobia when we say don't dare to play play uh


and also all that hard hard phobia don't know what is it don't know what is it, ya uh ya so I think ya any phobia lah so, uh what I think for them to overcome this kind of phobias


this is uh, they should try lah don't always think that oh they're scared don't try that kind of thing like, just try it get over it because actually sometimes is


it's really just phobia that you can overcome what it's like people will if people really force you to do it right you will be able to do it one like you will be able to overcome it lah, so just try, ya but because they're scared do it


so if they don't try it the first time they won't know lah, so describe a time, when you were looked down by your friends or relatives


okay for me uh it's like, when you, do bad worse than your friends that that they laugh at you that kind of thing lah so I feel that


they should (uh) encourage you [lah] instead of laughing at you and, looking down own you [lah]


okay, okay uh travel experience that left me is, when I went to uh Phuket cause actually I feel that uh Phuket is a very enjoyable place uh like the beach areas and all that ya I feel is a very nice place lah to go to but uh one scary thing that happened to me like to to


that I feel is that uh driving in foreign countries lah because I feel that it's quite dangerous and I didn't give it a good consideration before uh deciding to drive there so, uh I feel that it is some it is uh


ya next time I'll think it properly first lah before driving in foreign countries because uh the road is different from singapore uh, ya true true ya you gotta travel from place to place is quite difficult lah but ya it is not easy to


drive in foreign countries okay, what about you uh what travel experience that left you in, oh I see oh


SEA games ah uh


oh uh oh ya I forgot I forgot the name already uh ya it's a motorboat or something like okay, what was the biggest reward you, had ever received after doing an awesome good deed


uh for me


actually ya I don't really do ya I never done a good deed before so


uh I think that, you have to weigh the take weigh the consequences lah sometimes to see whether it's worth it to to to, to to to help someone to ya


helping someone is not wrong lah but if it harms yourself if it harms yourself then uh


oh okay uh, actually it was uh after the COVID lah after the COVID so it's like when everyone was able to come together and meet each other and go out so ya my faith in mankind was renewed lah before that is like


everyone is where was very moody like I mean people will like, going to be oh very very very, uh emotional lah then uh ya so everyone was able to go out so everyone was very happy lah ya so that was when my faith in mankind was renewed


ya lah true lah true, ya so when everyone was able to go out like you can tell lah that everyone is very happy lah ya


yes correct correct (hmm), what leads you to experience an adrenaline rush


okay uh my experience of an adrenaline rush would be uh, when there is competition with others so it's like it's like healthy competition lah so when you have healthy competition then you generally will have an adrenaline rush and you'll want to do well ya so uh


for me is basically when ya competing with others lah ya in terms of anything ya when they say uh you can do two person who is doing better then there's a punishment for the person that is do worse, ya that's when I adrenaline rush


okay so, uh, the for me the moment that I felt luckiest is uh


when because when I touch four D uh so it's like I won't it's like you won't expect mah this kind of thing it's like you never expect you just oh buying for fun but suddenly eh really come out the number then like you will be damn shocked then you will be like !wah!


so so lucky to be able to touch uh or something like that cause it's not easy ah, like everyone say oh cannot touch one lah cannot touch one but then when you touch it then you will like !wah! that means actually you quite lucky ah to be able to to to get it


actually I don't know eh cause I don't actually feel


proud lah so proud proud moment ah uh let me think ah, honestly I'm not sure, okay uh you can say yours first


for me actually oh ya when I get my uh diploma cert lor so ya feel happy feel proud finally, uh with my diploma can go on to the next step of life ya so it's been


but more of like progressing lah not really proud moment but ya can, say so also lah like progressing to the next next level okay, uh what amazed what amazes you


I think things that are probably like shocking things lah like, uh amaze me maybe like


when you thought like uh like for example competition then when you thought like you'll never win but end up you won so it's like impress you lor so it's like !wah! you very shocked that suddenly like you are, you won lah that kind of thing lor because nothing nothing really much that amaze me lah honestly okay so next is uh what makes you want to be alive


uh hobby right I feel that it's the people around and the things that you have lah basically it's uh like you want to enjoy your life lah the things that can help you enjoy your life


to I mean ya you will be happy when you can enjoy your life and then it will make you want to be alive what, cause you are living you are enjoying your life then you are living everyday that kind of thing, uh ya so ya it makes me want to be alive lah it's people around me and probably the things that I have lah


skill ah


I think a skill and ability that I'm proud of having is uh, #muay thai# lah cause uh we train very hard during trainings so it's like when people see that like


!wah! you all can you all actually know how to do it then you all can ya, like somewhat coach people then like teach people how to how to do people will be like !wah! you all not bad so it's like, uh ya it's a skill that I'm secretly proud of having ah because ya we train hard for it and we get progress every time


so it's like something it's because some things in life right it's like no matter how hard you try right you won't be able to do it but for for fitness kind of thing #muay thai# this kind of thing right it's like, the the more you train and with the right person to coach you right is the better is like better you get lah


so it's a skill or ability that I'm secretly proud of having okay what about you


ya so uh what is your skill or ability that make you proud of having


uh honestly right I don't really like presenting in front of a lot of people so if like someone if like a lot of people are shooting me with question right questions lah


then I will blush ah it's like I think maybe in uh NS sometimes we have light lectures then you'll you will have to be the one presenting so it's like ya if everyone is shooting you with questions then you will be like


uh I think my favourite activity to unwind and relax since when I play my console game lah is when I play my PS four so it's like I can just not think of anything and just uh have fun playing playing my games


and I'm just enjoying myself ah ya or with my friends my girlfriend or with my sister ya so it's like I feel that it's like enjoy my my uh is like one of my favourite activity ah ya


ya true uh ya you have ya so enjoy playing with like enjoying time with your family and all that


so ya because COVID also makes you all think that need to be close, to one another so and spend spend enough time together with each other ya because everyone is always very busy, so when it's quite rare to have such a time to everyone can bond together have fun together that kind of thing lah


okay so next is uh describe a time, when you make a comeback that shut everyone up


for me I also don't think I have such an experience ah but uh uh ya not really ya not


really have such an experience ah cause ya so what is your best surprise


uh best surprise for me is, uh ya when my girlfriend gave me a gift lah that I uh didn't expect to have ah so ya I think that's one of the best surprise that I get, then ya the feeling is quite good lah okay


despite the ongoing global uncertainty what makes you optimistic about the future


sure true I agree uh for in my perspective lah uh despite despite the ongoing global uncertainty right uh what, make me optimistic about the future is that people are still spending people are still going out everyone are still


meeting their friends having fun, it's not like, very dull I mean even during COVID period lah some people ah they still meet their friends all that but which is not allowed lah actually but everyone actually everyone is being optimistic about it leh


people are not they are not uh feeling they are not uh feeling scared about the, the the the the the the, ya they are not scared about this uh of this virus lah


but, yes ah definitely economy will be affected all that lah ya but I mean people are still spending people are still buying so it's good thing that they're optimistic about this lah ya


uh best meal, to me uh a good meal a best a good best meal that I'll ever have have is when it's with my parents and my girlfriend together we just sit down for dinner chit chat


talk about talk about things ya or we go out and eat that kind of thing uh best, meal I don't really have one maybe just my favourite food lah my favourite food with my favourite people so that's like a best meal that I can get lah ya


ya put effort for you lah so, ya I agree also lah because they have to prepare do preparation prepare everything for you then so it's like a


ya so I think ya can say that that's the best meal [lah] okay


uh yes, but it's a uh ya


yes I do have a savings account but it's shared between my father and I and it's POSB savings account ya how about you


I use, it like for like shopping all that and then like for food all this also ya, then do you have credit or debit


I think it's both so if your money you save your money in the bank at least like you know that maybe sometimes you shouldn't touch it but if you invest somewhere there's a risk in it lah so depends [loh] on some people


err I never once get a bank loan or any loan from anywhere cause, if there's enough money to pay for everything I always one shot just pay instead of getting loan cause, once it accumulate uh accumulate then it's like there's additional interest or stuff then


I ya I don't really like it


I think they can but, also have their individual one so like if they want to like have their future goals they can like save up, in both the joint account and their own account so maybe if, they happen to like want to shop or anything they don't use the


combined account but instead use their own account, so at least like there's some money in both the accounts


to me maybe they can, during their secondary school already so I think from then on they should, uh know how and learn how to manage their own bank account how about you


cashback points or miles which type of uh which type of credit cards, do you think people should be using


ya true to me also cashback cause if you're the type that, shops often then cashback is, really one of the worth credit card, cause if go restaurant most people also want cashback what if we


spend like hundred dollar plus on a restaurant then people will like, if possible the cashback is like twenty percent back then you get like like is a offer on a restaurant, what is your experience of purchasing insurance products from banks if you have such experience share the details the name and features of the product of the insurance product that you bought from your bank


cause , I do not know what is this I think it's normally for my parents, handeling them I think ya so I do not have any


oh same for me to be honest I do not, know any of them also cause like I don't think it's really for us and it is more of those uh working adults that need it more than, students


then last is what is your experience of purchasing investment products from banks if you have such experience share the details, of the insurance product that you bought from your bank


uh I do not have any of them cause I don't think I'm interested in it, cause like it's too unfamiliar, to me already so like, I won't really like go into it then


in a post COVID world what changes are you making in terms of your spending or saving habits


(mmhmm) I agree ya cause now COVID everybody's pay cut is, like decrease into like decrease fifty percent and then, everybody is like having not enough money anymore, then you only can have essential items for now just to


like make, like to save ourselves and cannot, spend on other stuff anymore unless you are the richer ones then I got nothing to say lah, then would you recommend to someone planning for their big ticket expenditures like starting a family buying a car or house et et cetera


ya we are starting a family is, really uh really a big thing cause once you start a family it mean it also means that you might want to have a kid, and then just by having a kid itself right is have a lot of expenses in it also


and then you have to make sure that your kid grow up well and stuff, so like I think it is best to like, plan first before, uh tend slowly before you start on anything


what advice would you give to someone to get him or her out of debt, to someone to get him or her out of debt


don't even get into a debt, why would you get into a debt unless it's like, you are doing something wrong and then you need the money urgently or maybe your business is and then you end up you bankrupt then maybe you have to end up with a debt or


ya, do you think one should own a credit card, do you think one should own a credit card


to be honest credit card, like need to monthly, like pay them is it so like then you can own the card and have it longer, so I don't think credit card is really a good idea lah cause like


you need to pay them just to have the card longer but, maybe if the benefits are good enough then maybe you should have one lor if you, if the benefit is not good then there's no point in getting the credit card lah, and if it's someone spending a lot then


I don't think


uh it will be horror movie, cause, I don't like horror movies


cause , it really scares me and you know like, will keep , I I will like remember the whole entire, movie, scary portions throughout so like , I hate it lah so from then on I will


I'll start covering all the, horror movie scary parts [loh]


describe a time when you feel that you have committed something gravely wrong and there is no way you can get back up and start over


mine is primary school, cause, I faked my dad's signature, cause I fail my exam and then, some more, I told my dad that uh I got remedial class


but actually I went to my friend's house and play and then in the end he, found out and then he I was like, scolded very badly and I was told, to leave the house, ya that's something like


one of the things that I feel , that it's, quite sorry but I think I was quite playful and naughty also


I don't really have an event that makes me very very angry lah, but maybe like, slight angry only [loh], cause, I don't think there's anything, make me feel very angry


what disgusts you


uh as for me it's like I feel that I don't like, either husband or wife they either divorced already or cheat on someone right then


the partner the next partner is someone from, someone from other country, uh I mean like, it's very disgusting lah I feel like okay it's okay to get another partner but


I mean, uh why other country one, ya I mean okay lah maybe singapore not enough


I feel that government is not doing, anything to help those people that is in need, and those people who are getting poor, I mean okay lah you give them money, but then, how long can this money


last, they every day have to spend on their essential stuff leh, I mean then some more , news said that the BTO is uh, normally will give to the first timers uh those just married one but then end up like


it didn't have it at all eh so like I feel like the government is not even doing anything at all, so there's no point, and then it's just like sitting down there earning all the earning all the money all the income from us and then eating us up


I feel there's no point


in a post COVID world what are some of your, what some of the worries


for me it's my schoolwork, cause, uh it's being HBL and I definitely learned nothing at all and it's going to be exam soon so like, I feel like, the teachers I know the teachers can't do anything to help


us also because like, they also can't do much anymore, then we really only have to depend on ourselves, but , obviously it's not going to work lah but hopefully


the exam will be hard and everbody can, think of working harder or


my dad and my boyfriend like if we have, like argument lor like I mean, who likes argument what then you will feel very sad then you also if you are angry and then the thing is the, worst thing is when you're angry


then you say the wrong thing that's something, I will always try to avoid, cause, once you say things out you can't take it back anymore, I mean ya cause, it's like uh


it's like you put uh you shoot someone and then you if you say sorry to that someone but the person is already dead, the gunshot you have made already what so there's no point


because you cannot think properly you


uh, when, uh when I can't get the answer and when, you try to talk to someone and that person don't understand what you're talking about


cause like, for the answer is because, you want to get the correct answer, in order to pass what so if you get the wrong answer then, you fail already what so like I'll be very frustrated lah then for


the people that don't understand is because I don't know is it my language that they don't understand or they just don't understand anything I say at all


what's the worst thing you, witnessed and kept quiet about


I wouldn't keep quiet but I wouldn't, say it by myself lah maybe I will just ask someone that is braver than me to say cause like, I don't dare


uh I do not have one but I think, it's a drama but I have yet to watch a lot of people it's in their it's called the world of married couples I think something like that, I think cause the husband, they actually quite loving one but end up


the husband cheat on the wife, so now, the wife is getting revenge on the husband but I don't know what happen because I have yet watch but I don't want to watch because, they say is very angry once you watch already


I don't think I have any, because I mean those in need, what you can do best than just, help them lor I mean, I mean there's a lot of us to, poorer than us we are still quite


okay already living the normal standards and all, uh so I feel like just help anyone that is really those that really can't


my greatest fear is losing my loved one cause, I feel that, if your loved ones are gone I feel like there's no point in living already they are the one that motivates you, throughout your entire life what so like if really they're gone then I feel that


that's the, end already uh I don't think I have one leh because I mean even if it's mess ah


unfortunate event it would be only a day, so it's just a one bad day like, I I heard people say it's just a one bad day it doesn't mean it's like it's end of your life already there's also like plenty of days


upcoming there's also good it's just that you don't know


no I do not have phobias I'm lucky enough to have not any phobias and sickness ya


oh that one ah


but some is really damn


I don't know I have one, cause I'm lucky to born in a family that, actually, don't really like compare with each other because, actually most of them most of my cousins are actually


older than me already it but to be honest if I'm not wrong I'm the only one that went to IT, but


describe


no but if don't drive there then, how can we travel around


the anniversary trip, ya, cause it's one of the fun places that I have experienced I think is the, one of the, the SEA games what was the SEA games called ah, the one we play ya there's one


they replay on the sea one then the


really relate to me how about you


I mean helping someone is not wrong, but it depends on what


describe and experience when you're fit, faith in mankind was renewed


during COVID


outside is very crowded one, uh


when it's time, when it's playtime, while like after the like all the stress then like you know you get to play, ya I like it, like it's all your hard work


done already what then finally you can rest and relax to just play enjoy


describe the moment you feel you felt the luckiest


to me is , meeting someone the first time, like, the one you love the first time, ya cause like do you know that, it will really end up like happening uh forever


so like ya then, the person made me grow up and then made me learn throughout ya, then what was the proudest moment of your life


then mine is getting, the first place in class or is it in school, I think class, for during secondary school years


the four whole years, ya it's like getting the, first in class every time, for the throughout the four years so like I'm quite proud of my result lah but then after that you go down the drain again so it's okay


really have anything to be amazed of leh or maybe like only like


there will be like sometimes, only like certain things amaze me or something like, but no not really much, a bit


he's been there throughout, my entire life and he's the one been taking care of me so like, and he's, now still happy because, I'm here with him throughout, so like so if


I want to be like as long as CB for so ya


what is a skill or an ability that you are secretly proud of having


err I do not really have one but uh, I just, I just think that maybe like my sixth sense is quite strong compared to the, rest like, maybe like I can feel like, (hmm) like


this person is not good or whatever like is he giving me like, straight away I can feel like this person is not giving me a very very positive feeling at all, so like maybe I feel that my sixth sense is still stronger than the, rest of


then when did, you blush the most


as for me is when, uh my boyfriend, uh, say something sweet out of nowhere then I will be quite shy, ya cause like, normally you just chit chat what then out of a sudden got


something sweet come out out of nowhere ya, then describe your favourite activity to unwind and relax


as for me is, playing outdoors activities like bowling and pool cause since now it's, a bit uh COVID nineteen then sometimes you actually worry whether the things are clean or not but when you actually like after so long play it's quite fun and then relaxing


so especially if, you play with your family lah


to be honest I don't have one, eh cause like if, you want to make everyone shut up you just shout can already, what like I mean, to me if I want I will really shout by that time, that comes actually very angry already so probably is


me shouting in anger in you know is I confirm just like, ya cause like, it's hard to, hard to make a comeback


that can make everyone to shut up and listen one when everyone is talking what


uh when my boyfriend I think is, my birthday and monthsary and he told me to go to his place first but, when we leaving that time, I didn't expect the car inside got balloons and flowers


ya, that's the one of the best, thing that I can never forget


the future has to go on what, so like, even though COVID is still having, but you, also know that it's going to end but you only don't know when but it's going to end either way no matter what happen


there is a end towards, it one so, like once you reach the end everything will be normal again what, so there's no point to, like feel sad, now or anything lor, cause it's gonna


whatever is going to happen, there's a end towards it there's everything there's a limit to it


what was the best meal you


I mean it's every day is a best meal to me, cause, whoever the one cook for you like they work hard for it lah, so like I feel that every meal to me is quite, uh is quite good lor so like


it doesn't matter but, the people that the ones cook actually put an effort inside to cook for you what ya to feed you


well


in case ah ya you can start off first


ya for me now that after five years you get you be able to achieve gain a lot of ah new knowledge on on how you can actually work on your finance then you know I'll think back that maybe five years ago I would have actually maybe invest more in shares and stuff


compared to right now where the COVID nineteen uh situation actually caused the market to be very, uh, very uh volatile for you to actually uh actually invest in the shares because the market is very


uncertain ya so so more or less ya, and so more or less , apart from the shares portion of course then uh you know uh getting a house even earlier will also help in in case of the asset that we actually


uh hold on to and to be able to , to be able to uh probably gain, gain some uh, uh value when you're selling off the house and it ya when you're selling off the house like maybe uh at a earlier age


(mmhmm), then apart from that like , probably we can talk about like uh insurance also so like you mention start younger so if we buy like those savings insurance younger then we'll be able to get out the payout


earlier, that kind of thing and I mean coming to as you age then uh there's a lot more other aspect that you need to need to actually consider in getting insurance such as like the critical, illness or some other


uh such similar insurance where as you age you will actually require it more lah at this point of time


(mmhmm) okay, (hmm), then from my point of view is I would actually prefer both of course having a financial advisor actually you know


expertise in the the field will actually be able to ah help you to ah give you more better advice and so that you can learn from there as well and then like uh as you, progress on you will have more or less a bit of knowledge where you can actually ah improve yourself to learn on how you can ah also make ah decisions and


in terms of the, uh finance financial decision apart from getting it from advisors, so it's uh both cause ah bit of both ya


ya from the advisor, okay so uh let's go on to the third question so jane so how do you manage your cash roll like you know how much is your of your income dedicated to saving expenses uh and insurance or and investment


ya okay ya I agree then as for myself in terms of the cash roll wise I uh I will at least


uh make sure that you know at least keep more than fifty percent of the of like the income that I have per month, then from there then , uh there's of course the the monthly


fixed expenses that you need to pay like ah handphone bills utility bills insurance, and uh, all the monthly household expenses then thereafter, , allocate a portion


for expenses so majority I will try to save ah keep it for savings for rainy days and also for like ah future plans on uh on bigger, bigger uh value items


ya, (mmhmm), ya


so uh on this then , uh based on that current cash roll that you have make the best use of it whether is it ah investing in in in shares or buying saving insurance or maybe even uh start uh a a small business to to just earn some extra income and also


uh to , to be able to improve yourself lah so that uh going forward, you will be able to like , uh, so that you'll be able to ah be able to earn extra income


(hmm)


ya I agree, that , so you know other than ah managing cash roll and and ah you know how to improve on your income uh I I I believe that both of us have the habit to save also so but then how do you ensure that you meet your saving goals


ya I think so, uh actually it's still in the same page but I don't see the bottom bar having colour


oh but now if I talk also no colour eh okay


is it they show a ten is it ten minutes, ya it's still running twenty five minutes, okay


okay so , ya how do you ensure you meet your your saving goals


okay,


okay (mmhmm)


ya, uh too much on online shopping, currently because of the CB period so you can't go out so most of the time we uh about the past three months most of the spending are all on online purchases, ya then


ya, ya


yes, ya, ya and now that the phase two comes up and people can go out already then you we actually uh do a lot more other spendings on like uh


beauty care, and even going to the gym ya, but, of course apart from all this random expenditure ah there are some , like I mention earlier there are fixed expenses that every month we already set aside so only like there's this portion of remaining amount then we should actually ah that that's where we actually use to spend on other thing


, okay so and then let's go on to , uh


what we recommend to people buying uh planning for the big ticket expenditure, so I know jane for you is you know the big big ticket item coming up is your, house ya so ya


ya so that apart of ah what strategies do you, , do you recommend and also uh, how you manage, me okay, so I mean back then when you just started getting like BTO you know it it it takes three to four years to build so from then once you already signed up for the house then from then on you just


every month you just make sure you put a fixed commitment to save and then ah ultimately by then three four years later on the small money become big money where you can actually use to uh to pay off, , part of your renovation and and uh household items so that won't be a a very big burden at that point of time when you get your your house


ya then uh ya that that's it [loh]


okay true on that as well, okay


then I mean, apart from renovation and ah household items for the the house payment every month just uh I mean a couple need to actually work it out on what is affordable to them so is that you do not have to be pouring out cash


uh , on top of your CPF ah contribution for the house, okay so, uh after talking about big ticket item so you know, , both of us are married so how do you manage your financial commitment


before or and after marriage


, ya


so before marriage you are like very carefree you only need to uh care about yourself you know but after marriage then you come to, I mean like even before marriage when you're already attached, going to be married then you really have to make financial plans for your house your your wedding then you know once this are done then next you you have to actually uh uh manage your your uh savings for uh uh a kid on a way


you know and then as time goes by you have to actually also take care of, not just your parents but your parents in law as well so uh in terms of uh financial commitment uh all these commitments you've really have to do a planning in advance uh so so that things will go uh go uh go smoothly


so ya


uh I need to think about it do you have something in mind that you want to speak about


, as for me I just feel that uh probably people with power connections and money always like, get away with stuff easily while the vulnerable people are actually like suffering from injustice lah at times


this can't be solved ya so this can't uh


sorry ya


, what happen


as for me ah, my most embarrassing moment is on there was a time


when uh, I didn't had breakfast then, uh, I was stuck in the train then like almost fainting but I didn't faint then then after I leave the, station already then suddenly I just like faint on the floor