I think it's a good thing to do lah just to like have some, earnings at the sites then add onto your, add on to your bank lah, ya what about you then


for Bitcoin no no not for bit for crypto you are like, looking for the long term lah those buy small gain


ya you don't have a loan from a bank before


I'm not too sure about, uh how would my poly fees were paid, you eh you did you get it through your the way you said just now


clear uh what advice would you give to someone in order to retire comfortably


like how many percent of their pay then, or is it a fixed number no matter the number of the amount of pay


my thoughts I think, for someone to retire, comfortably in singapore, I think quite hard lah, because uh singapore is a very


competitive a uh place and then things are also very expensive, and now they only give you three hundred every year until you're ninety so you're probably going to have to work until eighty or something like that for most people, so I think if you want to retire


uh comfortably you have to start early and, I think investments should be a good way or, maybe, basically having passive income ah that's the best way because, it is hard to retire comfortably when on your mind you know that


your money is slowly dripping out lah slowly leaking out and not adding on anymore so having passive income when you retire would really help ease your mind lah then, I think that will be the true definition of retiring comfortably ah without having to worry about


uh you having to go back to the workforce after a few more years, ya it's not going to unless you are a millionaire it's not going to help


ya I mean we have a lot of free time so, but I saw pick up some new skills lah


I'm still open to some but I also don't see the urgency ah so like I said it's like you say lah probably also not the time ah not that urgent lor so with my earnings I'll just try out on some investments here and there ah which currently is crypto


okay uh part three negative experiences, ah


what makes me stressed uh basically, I think what makes me stress is, uh losing my losing my free time oh


ya so mondays I feel quite stressed lah, ya, uh so uh, every monday is just uh I feel the temptation ah to want to go grab MC


ya uh because, it's, I I mean everyone knows this ah at the start of the week, and, you just uh finish your weekend so you are still in the mood to relax but, you know that you have a long week coming ahead so in the morning to wake up is one of the worst feelings ah for me lah


ya so that makes me uh stress on a weekly basis ah this one I I can't help it lah until unless I don't have a job ah then I don't have this stress, ah but what makes me what things can happen unexpectedly and make me stress is uh


are things like uh, maybe a sudden sudden changes in a, sudden uh plans made for myself uh like, like back back in army when they suddenly told me I will be posted to somewhere else which


suddenly my the plan I envision for my life for the next one and a half years just drastically change that that makes me really stressed ah when decisions like that are just made like on the spot


so you are stress uh when it comes to like customer service this kind ah, ah okay okay I see mistakes ah


okay then uh, what are some of the, is there any traumatic incident you have experience in your life


oh become your best place already ah, uh I don't really have like any incident that is so bad so negative to the point where I can call it traumatic lah but


I guess uh, one of the incidents that affected me the most, at least recently lah it's like, back in poly ah when I lost the friends ah now he didn't die but like uh we didn't agree to certain things and uh the friendship just broke ah


ya, so uh I'm not going to go into details what happen but he was like my first friend in poly ah and in my poly I was uh, uh when I meet a new group of people and I don't have like a single person I know I'm I'm usually quite quiet ah and


uh, so he was my first friend lah and then in around halfway through year two, uh he just uh suddenly spill out to me one day ah, that got some things that he's not very happy with me ah


ya he he has been bottling it and he didn't like try to tell me at at all until the day that he explode lah and, we we tried to like, talk it out lah but, uh you know if someone you can keep trying lah but the other guy


one person is not putting in effort then nothing will work mah so in the end that we just lost that friendship, ya so losing that friend, made it awkward for me to go to class ah, for the remaining of year two so


ya I wouldn't say it's traumatic but it's definitely not a very fun experience ah


outsiders in


ya he has been bullied his whole life


ya he he will just shut off right


the saddest scene I have ever witnessed was uh, uh someone ah, dying oh I guess ya so uh


uh then person is actually my uh grandfather lah, ya uh I'm actually never too close with him lah but by grand my grandfather was quite young ah, for his age he, he was like sixty four or sixty three when he passed away and


it was to, lung cancer ah so, uh seeing him on a hospital bed, and seeing him like losing weight everytime I go see him, uh was, quiet a quiet a sad scene ah uh although I wasn't too close to with him and then


uh he also talk with us in the hospital then he like voice his regrets ah, he he said that, he wished that had more time and can like get closer to know me and my, and my young sister lah and because he passed away he also didn't uh


he also never had a chance to meet my newly born baby sister lah so, I feel like it's quite sad lah then, I guess ah to me, uh from that, I just know that smoking is a


it's very bad lah just uh just stop smoking ah, that someone as young as a not not young lah but, someone just sixty plus would just get cancer and just die from it I mean it's quite sad plus he just sold his uh, flat not long ago so he got like a bunch of money I


I didn't ask him what he plan to do with it but I would believe that he probably wanted to retire with that money or he wanted to enjoy life but, he had to come down with a, stage four lung cancer ah so I feel


that was one of the saddest scene I have witnessed ah he just, got the money but he did not have a chance to spend it


he's he sort of chose that path lah because he he also smoke mah


feels bad when a teacher comes and tell you this thing ah, the time I felt I nothing I do was good enough uh was


when ah uh, I think, back in secondary school ah my CCA, uh so uh I was uh in boys' brigade and one time with this uh training called, uh


uh BB blaze ah so, we had it's a event, where you have to run and you have to cycle and you have to Kayak, for long distances ah specifically like something like the amazing race lah, then, during the training phase


uh especially for, running ah I feel like, a lot I always feel like I'm not doing good enough ah, ya because I would usually run uh, but then


I will like just uh, fail them bad after the run ah because I feel like I wasn't good enough, and I could not keep up with the people in the front, and there wasn't any consequences ah it's not like super serious like a game of you representing


uh actually technically we are representing uh our school's boys' brigade lah but was nothing serious that they will kick me out lah I will still be able to participate in it but I will I wanted to be the best ah, because all along I'm quite confident with my physical abilities but when my


officer he brought us out to train for real


so only record from my phone lah, so only record on my phone now, ya where was I ah


uh oh ya ya uh, ya so when my officer brought us out for training I realise ah how, how weak I was ah, in reality like I'm just like uh you know I'm I wouldn't say big fish lah but I just say like I'm just like someone who has


decent, uh physical abilities uh in a small in a small setting ah so I, realise that I need to train a lot harder ah, ya and after training for awhile I didn't see results


I believe I was also a, not being patient lah but I didn't see results and I felt like whatever I did wasn't good enough ah, but eventually I did lah so that's the


sort of hurtful words ah I guess uh, it will be, uh what we discussed just now lor, but like basically remember when you ask me about my traumatic incident


so uh is uh me losing my friend in uh, poly lah basically, what he told me the time, that I felt was quite hurtful ah was uh, was that uh I'm uh


basically I'm a kind of insensitive lah , ya he would, he said that uh, basically he pointed out many small things that, I didn't think was a big deal


and then, uh I felt like he was just criticising my character ah because that's just how I am but he didn't like, you know give any hint and he just suddenly one day just burst out and


just pointed it out and say as if it was all just bad traits that all just all I am so it felt really hurtful ah at that time, ya, uh but I wouldn't say I wish to forget that lah because, about actually after reflecting on it I found that there are some truths lah to what he said


uh but of course I think he probably just said it in a more harsh way because he was also a bit angry at that time lah we were all a bit like angry and angsty so, now actually I'm uh okay with it lah I don't need to forget it lah but it was still hurtful at that time ah


ya I mean who would expect a ten year old to work out and all this right


basically you worked it off lah


is that why you feel a bit sad when you see brandon


I think I understand where you're coming from because you are someone that uh experience what he is experiencing right


part two positive experiences


!wah! happiest ah uh, uh, I don't really know but I definitely have like quite a bit quite a lot of happy moments ah but to decide on a happiest, I can't ah exactly tell you ah


what about you you you know your definite happiest moment in your life ah


or I so internship I didn't know have midnight shift one, , so it's a very casual environment lah


uh it's like in the workshop ah is it, uh do you have a comfort food that you always can eat to cheer you up


but the but does nice food like make you more happy or if you are sad that day that means you are just sad doesn't matter what you eat


uh for me actually, I don't really have a comfort food to eat to cheer me up but when I see food, that I like it does uh make my like my appetite bigger ah that for that meal ah, ya so I think I'm like halfway between can cheer me up and


uh doesn't affect me ah


nicest thing someone has ever told me uh, I think it is that, I don't, I don't really uh gossip ah yes


like, when when my friends talk to me ah about like their, err more secret stuff ah like their more private stuff they are quite comfortable with me lah because they know that I'm not someone that will


after being told not to tell other people what they told me they know that I'm not someone that will just let exactly let it out lah so usually my friends they find it easy to, talk to me about their private stuff and they have tell me that before lah so I I felt like when they tell me that that was a quite trusted lah by them so it felt pretty good


what about you what was the nicest thing someone said to you


to let you know that you are still doing some things ah, oh ya ya oh ya, feels bad when you meet these kind of people


best birthday present , I think was uh, actually I don't really remember if it's a birthday present or just a another occasion but, my, I'll I'm just uh same my best gift lah I've I've received is ah


a Nintendo DS, ya uh I received it from my father and, he he gave it to me with like a cartridge with a lot of different random games he downloaded


I really love that gift ah playing with the Nintendo DS DS, I think I played with it for, six seven years, ya so it was definitely worth it uh worth its price already in fact the only reason I stopped playing after the six or seven years was because


the device itself uh, spoil already used too long already some of the button stop working and the screen crack


you will probably move on to another device is it , ya so, uh but after that I didn't actually get like a PSP or any other handheld console, but seeing uh, saying the new Nintendo switch is quite attempting ah


but I heard it's not the most durable console eh so I also, a bit hesitant to, purchase it lah maybe it's not worth my money, , ya and I think I'm quite satisfied with the forms of entertainment I have right now so I don't really pay much attention when a new console comes out lah


so they you used it for your job is it, okay uh then who in your life do you looked up to most and why


ya the bald guy


uh the person actually that's isn't just one person lah uh, one of the people I look up to is uh my mother, ya I feel like, she's a very tolerant person in life ah


ya and she's also in general quite nice to a lot of people, uh which, I can't say that I've been actively trying to be more like her but, just knowing that I have my a mother like that that is a


so nice and so tolerant tolerant of like small little things ah, I feel like uh, I really thankful for it lah, ya and, of course it will be good if I can learn to be more like her in that sense [lah[


and another person I'm, I look up to in my life is uh, my uh my father ah ya uh, because uh he used to have like lot of a


anger management issues ah, ya and, he will get violent ah but now he changed a lot already ah, so, uh I feel like he's the not just him lah actually my mom also changed a lot but I feel like looking at both of them throughout the years


since uh I was like ten when I can start noticing things around me, compared to that and now, they improve a lot already [loh] uh in terms of as a person my father no longer uh I mean he still gets annoyed easily but


he definitely isn't, uh like super bad tempered already and my mother, my mother you uh, she didn't have a, a A level degree ah she just finished O levels if I'm not wrong and


uh she's not like very old generation also so she went into the work the workforce when they started to require all these uh important sets also ah which she didn't have but she managed to secure a pretty, uh wellbeing job so with that


I think, I'm quite impressed ah at how she manage to, secure climb her way up ah from just someone who didn't know how to work a office work to


a perfect day for me, would actually be a saturday ah actually , most most of the time it will be a saturday because, uh I really like to stay at home and, saturday's is like the best time to stay at home because


on sundays you will feel like, uh the monday blues coming, ya, you will know you have the feeling like every I mean may maybe it's just me lah but, every maybe few hours I would feel like


time is running out ah, then I won't be able to enjoy myself uh, freely lah because that thought will keep popping up to me but on saturday, uh I hundred percent feel like, I'm I'm free ah basically


so saturdays would, most of the time be the perfect day for me, and, what what activities will make it even better would just to be being able to chill and relax at home, ya just, uh order some food that I that I like and then I just


watch some show s ah, what about you what's your perfect day


ya a lot of people like to go to those uh more slow pace countries ah


so would you be trying to go there like in the next few years


oh okay I didn't know I didn't know about that, you went there once or more times


so you got hook to the feeling ah is it, what about your friends than they did like it as much as you do


oh is it when they are not able to take leave ah just, so you don't plan to go without them lah


some people are like that ah, oh that's this a easy one for me


for me, what I used to absolutely hate as a kid ah, uh for me as a kid I would just say it's my like my secondary school phase ah, so back then I used to hate going home, like I just hate staying at home


so after school, I would just go to this place in my school called cabin where there is like, it's like a small little cafe lah built in the school so we'll go there and like have some, have some cake and, just play some play some pool or play some table soccer there there's a lot of games over there


so me and my friends would just hang out there and, we will hang out there until it closes at like five, and back then I live in, I live quite far so, by the time I go home is usually like seven


so I spend less than half of my day at home lah, I basically just go back to eat dinner and sleep, I hate, but now now I freaking love going back home the first thing I do every day is uh afterward was just go home I can't wait to go home


and I uh I just love spending my, some quality home time ah during my weekends, some ya some people they they find comfort in going out and, uh try new things or hanging out with friends of course not to say that I don't enjoy hanging out with my friends but I think I don't need too much of that ah


I think I need more my home time instead, ya I if you, you can tell me like back when I'm in secondary school lah that I'll love staying at home in the future, I wouldn't believe it lah but now I know ah why ah


oh you need to ah last time


true ah the I mean for me also it also feels best when people don't come and disturb me ah


oh no wonder you last time said you don't like it, ya and I hate uh being


uh forced to uh being force ah and threatened to do things ah, which is what they do


oh financial related topics


yes I have a saving account I mean I used like OCBC and usually it's just for me to you know just for me to have to pay to my salary to enter the account itself and then I just usually meant ah usually I use it for saving and spending lah


I mean I don't really have my other account I mean my other account I use for you know like ezlink transport related, instead of a account uh that I can use it for ezlink card itself, and cyrus, oh savings I mean like let's say if I haver savings for the whole month itself right then like maybe like a hundred to two hundred then I'll just keep it into account itself lah because I don't really have other accounts to put my saving into ah


ya ya so, so cyrus you also have a saving account right


oh then where you put your money though


ah okay okay I see I see, ya, so do you have a high yet bank account or a fixed deposit


okay I think so putting a fixed uh deposit into your bank, so you you don't take your so you just keep it as like a sort of saving itself lah like


just only use it when you when you want to use it lah, uh I technically don't really have lah I mean it's the same thing as yours lah because when the pays comes in then just go into the account itself then I will just if I will just see how much can I spend or how much uh I would save itself lah


ya I mean I don't really have this, type of bank accoun t because I think at currently at the pay that we are getting I don't think (ppc) I don't think we really need one lah


uh have both ah to be honest, uh my credit card I think is uh one is for Citibank one, (ppc) that one only used only when, like I already not enough money for the month or what end also for debit card I think, it's usually on a normal that VISA and master from USD OCBC


this kind of debit card that you need to top up money into the account then you can use itself if not you can't even use, but I but I sometimes I prefer credit itself because it's like, it kind of can gains a lot of cashback and whatever and other stuff lah I mean points and so on and so forth


because debit card is very restrictive I think ya, yes cyrus ya it's very restrictive lah because, sometimes lah because, if you don't have enough money inside your debit card then you can't even use it at all so is technically useless if you don't have money , ya


so cyrus do you yup


ya same lah it just it just like a it just like a basically like a ATM card like nets lah but it just a convenient way, of of using the card ya


and also what did and also like uh what kind of what type of credit card do you think people should be using you know there's a lot of there's a lot of type of credit card, ya, like you know like those cashback points miles like the like you can get miles into


your frequent flier and for you to get points ah to update your site next time you know, fly fly a lot lah but they technically have those thing that how to say ah uh you spend then you get miles into your card also


uh for, I think for points cashback is like you how much you get for three per like how much you get on what what you spend lah style it just like the MCO card that we have, then we have right if let's say I purchase on certain thing itself right it will give you back like a three percent itself through through crypto currency lah like like through MCO crypto currency or this type of thing ya


yup points is like you can actually for thing I mean like you know the NTUC points this type of points lah


which depend on the type of credit card they apply lah because usually different type of credit card got a different uh minimum income itself ah, ya maybe like annual income when when minimum annual income so let's say if I want to have this credit card my one year my total my annual income for this whole year must be thirty thousand dollars and above


I prefer miles lah because miles can keep uh miles can usually upgrade your


upgrade upgrade you to a business class or first class if you like travel, frequently and is I mean it's a good it's a good thing lah because cashback points itself I don't think we will really want bother right I think miles is something that you spend you spend more of it you get more more then you can upgrade upgrade your flight itself ah you can fly business business class next time lah ways better then other the other two ah


ya frankly on anything yes correct, points on maybe you know like there where like maybe you can get hand like deducts five bucks from your deduct five bucks from the thing that you buy itself or you know this type of points that can


ya or points that can redeem, I don't know eh maybe sometimes some people redeem luggage sort of stuff eh, ya that's why so depend lah ya


so what is your experience of purchasing insurance product from banks, if you have such experience share the details and features of the insurance product that you brought from your bank


no eh but usually is know those alone when you will walk pass Bugis street and then you saw those people, promoting say ya ah you one bill how much is your saving per month this and that then they will dragged you to one side and ask you to sit down and then they will show you all the details lah but I don't usually have lah this kind of thing because we I think at our pays at and our


uh and our pay I don't think we can sustain such a product now ah


like feelings lah, ya they will usually ask you for fifty like a fifty dollar per month then they ask you you do this for five years than at the at the end of the five years you can get some percentage of the money back itself ya


no I don't have one and I don't have any anything or this, ya, I mean I feel right now we are not really full time full time working ah, ya I rather keep the eighty dollars man it can do other better things you know


and at times this kind of thing to some people they feel like it's a sort of a gag like it's not a good investment itself ah because


I mean you will if you put this type of money per month into a something better, then I think you can you can get more money in return lah like something that you know that you you have the you got you got keep track of the money itself it'll be like crypto currency this type of thing lah it will be much more better lah


ya ya then you ya true, so what so what is your experience of purchasing investment products from banks if you have such experience shared the details of the insurance product that you brought from your bank


ya because I think the only thing that we buy is only offering time for once insurance that's all ah, yes we we are too young ya, yes ya continue ya


so sort of the last question already so what is your experience, ya, current current you know lah I mean unless I've we've started like you know after NS then I go back to my part time work then that one yes lah


currently currently no lah because no people come and how to say ah promote to us so, is very hard lah really to do this kind of plan


him or her or debt ah, , for me maybe, find a way to invest in your money or maybe maybe start planning how you how you going to save your money instead lah to be honest because


this kind of thing usually is stay themselves caused the trouble itself why not paying, saying that shit that they purchase purchase at the first place and then or they didn't consider it before it beforehand lah


return what


didn't (ppc) didn't hold, I mean should be lah by that time, then how do you invest your money to accumulate wealth or planning for your retirement


for me ah I mean same thing crypto lah I mean crypto is for me crypto is the best way invest and my current currently is not that hype yet so by the few years down the road I think some of the coins might get might get like high priced just like Bitcoin lah


and also you know currently Bitcoin is one Bitcoin equals to nine thousand dollars and your twelve thousand dollars so imagine if you have that ten years ago I mean you're not you will be rich already lah, ya (ppc) ya


ya it's all long term one ya, if you might and also you have the money in control in your hands lah so you don't need to worry about this and that, ya, so what's your experience for getting a loan from a bank if so share the detail of your bank loan


ya but I think you got I mean you will have a loan from CPF before right I mean, all those thing, I mean like when you have to pay for your poly


ah but, I think ya I think some most of us should go through that most of us go through that way lah I mean at the back I mean back to where ran out so basically we will use our parents CPF I guess to pay for our polys and by that time itself that time when we when we start working we will have to put back the money in lah


ya, I mean this one is just because of the school fee just too expensive ah, I think for me ah will be start save start saving from when they're when at the age of maybe eighteen when or when your age already start working lah


because, , for, thirty to forty percent I think because by the thirty to forty percent by the time you ten years down the road you will be like ten times of it lah so


so I think the higher the percentage will be better [loh] of course but, I think you also need to put some of the money out for investment or whatsoever shits to get more money, to get more money in or rather than you just keep getting thirty percent out of your salary so it doesn't


it's not that a lot lah to be honest thirty percent, yup, what then what are your thoughts leh


ya I agree with you lah


ya true ah true ah I mean I agree with you ah passive income is better than you don't you just putting in the bank earnings like two percent or one percent interest which is damn little lah, so ya ya lah, ya but he didn't add to we didn't add in singapore is hard lah so you unless you own a business lah it might be possible


ya so, so I think at times at times like that at time like that right when during this period I think, the best thing is just to you know find a way to, to time to earn your money lah in a easier in like a convenient way for us for us right now we are doing nothing in NS so we kind of kind of using our time investing lah so it's quite good lah


so (ppc) ya, ya so in so, so to wrap to wrap up this whole thing I think for this type of financial savings bank account itself I think for at our age when we are still serving the army I think


it's not that necessary for us yet I mean down the road we will definitely get it lah we will get it we will get more credit cards or debit cards or have a better have a better saving account but, but uh but right now It just for the time lah what do you think cyrus I mean do you actually think now is ot the time lah


I agree with you I agree with you I mean I mean where for us we're not we're not the you know big investor kind so we will take it slow we will take it slow, yup, after or more than one year, ya that's it


oh so you ah so, ah so I think at the end of the time at the end of the day I mean, if we're know what if new if we know what we are doing with our saving I think it it should be okay lah, because I mean


we know how to earn money at this age our like is quite good already lah to be honest


ya understandable understandable, true, ya and also like earn more money for your for the in the pocket itself yup thank you


negative experiences part three, okay, okay so what makes you stressed cyrus


ya, (mmhmm) oh ya


for me what makes me stress are thing the things that I do wrong lah I mean when someone repeating repeating say oh this thing I do wrong that thing I do wrong I think I kind of get stressed lah because I will think I will keep thinking bad like why which part I did wrong which part I did wrong I, then I will slowly slowly try to recall everything that I do and then then whenever when I want to recall the thing that I do I'll easy like ah fine did I really do this did I really do this so


so I think those type of moments will make me feel very stress because I'm like !wah! shit if I didn't do this currently and I go get scolded just for this thing it's not worth it lah for me so at times where, where I just like you know when I was working internship, and didn't didn't do this didn't do didn't do this correctly so I'll so I kind of get stress ah because I'll be like oh shit so what happened oh because in the real world itself right uh


most people in real world itself right we are really handling passengers mode like what but like passenger itself lah so if anything that we do wrong will have really have a big effect on them lah so, so it's like as long as like once you do wrong you need to explain to the passenger what you did wrong and then you say you need a to change this change that so It's quite stressed lah


because during my work last they uh during my part time work that time I also work with the work with them lah so I handle a flight of maybe like hundred eighty passenger so I'm the in charge of there so if let's say someone someone on my teammate did wrongly or or the flight got delayed I would get stress because I would think like I need a new plan to do this to do that ya


so I think those those time is the time that I where I also feel stressed but it but I also gain a lot of, experience lah ya, no no I mean only stressed when let's say some leh one of my teammate do did wrongly or when I did wrongly itself ah


ya when you have to explain something to someone ya mistakes are made lah ya, traumatic ah !wah!


that, I think will be the time I go hospital lah I mean when I was young that time I guess because, when I was young that time I think I have asthma so I got to rushed to the hospital then I'm quite worried to stay in a hospital ah I don't know because I feel that oh hospital, full of people dying full of people uh having ill here full of peoples being sick so I shouldn't be there so that time I kind of got of forced to stay but then I that when I remember that time is I didn't want to stay so I cry badly ah when I was like maybe three to four years old so I think for me hospital was kind of a very


uh bad place for me lah the traumatic place for me lah because I'll think back of what happened when I was young ah, but for me at this for me now right right now currently right now I don't, think that way anymore because, I kind of just for go hospital report sick man report sick ah ya


ya become like you know the best day for me ah ya so what are yours


oh my god, yup in singapore right


, so from so I'll so I think describe a saddest scene I have ever seen ah for me saddest uh saddest scene you ever witness okay ah I think I ever witness is brendan I think because brendan is our friend that kind of got


bully by our friend it's not a not a friend lah maybe our batchmate itself lah, so I think it I kind of feel sad for him lah is the way he think because that time the way he think it's just really not mode trend not not independent itself so he will get bullied by the people around him


and then he will just keep quiet lah so for me I did I did once told him uh told him told him before say that you shouldn't let those guys bully you lah because in the long run it's still not going to benefit you ya so, for him for us to talk to him like for a lot of time he still didn't bother to listen so we can't really help


but at times I just feel sad for him lah because it's like or his life is like he's I mean he's not supposed to bear with this shit by some bear with bear with this stuff lah when other people did to him, ya he been bully also I'm so I think right now all the best for him to change will be in uh


in this period of time ah he's serving the army ah but, I don't think he will change ah because that time she told him he will just you know he'll just try to avoid the topic itself, ya he will just shut off and say uh no ah it's okay it's okay that that stuff lah but then


I think for him is for him to get out get out of this I think the best way will be you know , just he know when he has a when he has a girlfriend lor in my work lah ya, ya so what's your saddest event cyrus


!wah! that was I mean I mean is unfortunate lah I mean, but life is life life go this way so we can't do anything ah, ya ya, ya but I mean, beside of the illness turn to him lah, ya


so describe a time where you feel that nothing you do is good enough !wow! this is, for me ah this for me use to be studies I think first when during your will be my, secondary school one two three I feel that no matter how hard I study it doesn't it doesn't really work lah


so I think it could that point in time I will just like lah no matter I study or not on I'll still going to fail so what's the different let it just fail , ya, but I form by the period was one of the worst period I can say lah because I have a lot of things to catch up yet I didn't really bother to to catch up ah, because I have that that uh I have that mindset that oh everything that I do it won't be good lah ya so


so I would just like don't move don't bother and just you know can then I will just in the in the end I will still be the last few position in class lah but over the years but over like during my four and five itself, I tried to buck up but it didn't really work lah ya it didn't really work lah for me to for me to buck up is quite a very hard it's craze it's like very tough job lah because


it's like you are need to really put in like twenty four hour seven effort into it if if I don't put in effort oh then my result will start dropping again so, for me that one two three was one of the worst scene ah because I got confronted by a teacher before saying that oh your english is not that good so I think you should buck up ya this and that ya


ya it's like when teacher criticise you saying that you not good then he say like your standard is just like primary school level then I'm like what, the fuck ya


(uh huh) ah ya


uh sorry sorry wait wait wait the the app just closed itself, so I do I just continue play or what, uh for me it stop at twelve minutes ya, ya good good


uh so I play or do I don't play, no okay okay


and then for me I think, if let's say we keep doing the stuff that we like wanted we like we info I think in the in the long run you will still benefit for it lah we will still, we will become better itself ah it just like it same as gaming itself ah gaming also another way when we play more we get better ya


ya so I mean, for us uh we also, for us we will just try to keep on doing it oh so describe uh wait wait, so what are the some of the hurtful words someone say to you that you wish to forget


for me I think


yup, so, for me is when you know when I was young primary school that time I was very fat lah ya I was fat lah, so it's very demoralise when people say you're you're fat ya this type of stuff so when uh when I was at maybe around ten ten seven to ten years old ah I was very fat so people will keep saying oh you're fat you're fat and then for me it was like I can't I for me it's like I can't do anything eh because it's really I have no choice ah to


I have no choice I mean even if that time I try to be, I try to lose weight I also can't lose weight itself because, during that time it will be our you know our puberty stage you know when we reach we going to to start our we going to start heating up you know, ya and also it's like it's really very demoralising like oh you so fat this type of thing and then we just can't do anything ah but for me it's like I try to eat less but also it doesn't matter it doesn't it doesn't work lah for me last time I can eat you know uh you know the double fillet O fish I can eat two of them last time when I was seven to ten years old lah


ya so but I mean so I kind of blame myself for being fat also lah but I thank god that you know after I grew up ya, so I became someone that ya it's more it's more like how do I say ah it's more like not not that fat anymore lah like I know I know how ya I know how to the keep on my own figure lah rather than you know just or let myself fat I mean also NS also play a big part lah I mean because that's because it started to let me


worked out ever since I join in ever since I enlisted lah ya, uh kind of lah because he don't really bother he don't really bother about his own stuff he don't really care he I mean this type of thing is self love so


that's why he don't really like have his self love lah his self love to him would be like I eat I play game but for us we we are we just we just need to work out lah we just need to be be fit be be fit be nice so that people from the outside will look at us like oh this person not bad looking this and that ya


it start you, ya because I think he he himself is a, person that how to say ah he himself is a person that like, not to motivated ya so for for us is like we try to push him but he didn't want to he didn't want to listen to us he didn't want to


bother we can't really do anything ah, ya so I mean, for I mean for he I mean maybe because we didn't really tell him our spot our story when we are young so he don't really get where we're coming from ah


but but I think for him should he just stop paying attention on himself lah because, in the end he's going to get he's going to suffer this in the when when he start working outside but when he even go university itself because you know people outside are quite mean right now ah ah ya like they can do anything bad to you ya


it may can even they might even backstab you, when you are doing stuff so


uh positive experiences, yup, so what was the happiest moment in your life cyrus


I'm I'm for me ah I think is when you know when I got posted to my internship after my poly ya I think that was one of the best moment I have ah because that one was like finally I'm doing what I want to and looking at what I want to do like aircrafts type of thing so


I think that was the happiest moment because I can like I can while at work what I'm working I can also like how to say ah I can also do my do my passion itself lah like I'm doing my passion and looking at something that I like so that job was a very fun job for me ah and also like


uh I met a lot of great people there and I can say that the people there that I mean they are no all mostly singaporeans they are mostly mixed of malaysians but I think, that that place itself just make me feel like oh that that that's the place that I don't mind working in future lah ya so and also


for me is that that whole place it just like a family I mean each the the different the like for whiley birthday celebration it itself it were usually celebrate and then and then we will like usually make jokes around, and also for my shift itself is just midnight shift lah so usually midnight shift people will get tired by the time you know when the time is when people are sleeping yet we are working so I think having


ya but my internship have lah so for me is I don't mind lah because it's a very good place lah, ya very causal environment I mean beside this beside beside I need to wear formal, laser tie this and that a few thing I need to wear a tie ah


that's a very nice environment ah, that's not an watch shop is in it's in the airport ah, ya so you know ya airport is a very, comfortable environment you know


comfort food ah I don't really have a comfort food ah I just eat anything that is on the table [loh] that I saw ya, no it doesn't matter what I eat ah to be honest because I don't think food will replace a important part I mean I would just eat whatever that I have oh


because if you buy a such a expensive food it just to make you happy it's not worth it lah because at the end of the day you will be backed you become yourself again so there's no difference lah


ya I mean that that mean comfort food I think is usually mostly for, like people that that are really heartbroken and they will just stuff the ice cream into their mouth to make them feel better ya, okay so what was the nicest thing someone has ever told you about


ya so It's like you know they they they have the trust on you to tell you the they are most secret they have their own they tell you their secret stuff lah, just like with your friend, for me nicest things someone ever told me will be it's like you know when I work in airport then I have to handle a lot of elderly people ya so usually they will


say thank you for your help and this and that I think that was the that was a very good moment because you know for us we are just help we are just working what I mean that we are just doing what we are doing but yet them saying thank you is like it's one of the best way to I mean, how do I say it ah is one of the best way for ya ya I'm being ya to make me know that I'm appreciated lah


because it's like some people they don't have they don't really have manners lah so you know , ya so these those uh ya, so, one so let me think what is your what was your best birthday present and why


you have the free the they got download stuff so you can play straight rather than ya good


oh, !wah! but you can use for six seven years it's quite it's really very good though I don't think I use that for four six seven years ah, ya I move on to another you know


ya but I think


so you so you rather wait ah you rather wait for a better one ah, oh okay okay so for me my best birthday present will be you know I think for me okay I it wasn't a birthday present lah I can say but it was like maybe a


what to say ah, it was like a sort of like gift lah I think will be my macbook ah because I think that I kind of want my I kind of want, to have a MacBook since I was in year two so then I got a MacBook as a gift so I'm I'm quite I'm quite happy ah that was at he best best best gift I ever have ah because


then three years ago three years to four years ago, ya, ya so the so that time the gift was one of the best gift ah because, you know having having you know a MacBook is a such an expensive equipment ah


so, for us we I can't use my saving to you know to buy the MacBook itself, so my aunt decided to buy me and my macbook lah I mean which is quite which I'm quite happy about lah because, it will be useful for me in a lot of ways lah ya


uh my job no my job I don't I don't I don't need to use computer but I use it for me you know when I surf the internet at home or also when you know when I have to do poly work ah ya


in my life ah, I don't, okay you I mean I'll in my left maybe I will say celebrity yes I do maybe I will say you know I mean those football players or, or you know the uh the the rock


ya I will I will look out at ya the I will look out on the I will look out more on him lah because, it's kind of motivated lah in the sense that he's very, he keep pushing himself forward lah I mean for us this type of people for us lah we are quite lazy lah to be honest like


he he's able to wake up at four AM just to eat just to cook his own meal then exercise and then he'll he will spend one whole day properly but for us we will just like you know we would we won't even bother to wake up at four AM lah we will just sleep wherever we can lah


ya so I quite look up on him lah so who is the person you're look up to ah


so describe your perfect day for you ah


ya I agree with you, for me ah my perfect day will be a day in Bali ya like you know you just chilling on a you chilling on a beach and then you just drinking


you just drinking if you have wine or maybe drinking some soda then you just just stay there [loh] I mean just stay there and look look through look around and I see what people are doing and also maybe you can you can just cycle around the beach and also I mean it just it's going to be a very cool it just going to be a very slow day for me ah and then after the


beach itself then I will just travel to those tourist side because I think #bali#'s a very chill place lah I mean where everybody is just so chill and so relax rather then in singapore you know singapore is chaotic man ya


ya that's why I prefer to be in the slow pace country because I do what I want I can slowly do I don't need to be rush everywhere that everywhere and also over there transportation is one of the okay lah I can say transportation like you know you you take Grab there is quite cheap lah so you can go anywhere you want so


there won't be a problem of you or I need to take MRT I need to take the bus this type of thing and also I can just travel whenever I want just by Grab lah ya, if holiday yes I mean it just for ya the whole place that place there is just for holiday lah because there's a lot of there you know and that's where you when there's where you and your friends can just chill there then you know and then at night just order food then us then at night just ask people to come massage for you this and that lah


ya so, it's a very nice place lah because I went there so , I kind of like the airport environment itself, I went there I went there once with my poly poly friend before after graduation and then we went there for five days and then we just you know just take our time lah we'll just chill enjoy our life enjoy everything lor


ya, ya I got hook to the feeling ya because you know travelling oversea it just oh because it's a good way to escape from singapore lah ya


and they like it when we wanted to go up stay at night ah but, uh I think two of them sign on so it not possible you know , ya, they can take leave but you know how troublesome taking leave in in armies ah


you need to report this and that where you going ya, ya I mean I don't mind going with my other colleague lah as well because, when other colleague more will be much, more like how to say ah much more tiring lah because they rather visit places


we visit tourist site rather than just chilling in the villa itself enjoying swimming ya, ya but it's okay lah I mean I don't, mind at least I'm traveling I'm okay just travel anywhere, okay so what ah


what did you used to hate as kid and but now love an an adult


ya because you will be out like following five days, ya I mean my one is like as same as you because I kind of


kind of hate this thing when I was kid is I don't have freedom, kind of like quite also restrictive itself, but then right now for me is what I love is for like your friend like got freedom lah to, to do I want right now, I mean like I don't need to worry about I I need to be home at this time this time this time this time lah so I just as long as I'm safe I'm okay I mean ya


and I don't need to, I don't need to worry about keep updating keep updating like I say where am I where am I where's my location whatsoever, ya so


part one, financial related topic, okay we can start


#Jia Hui# I want to know uh whether you have any personal insurance now


, I have I have quite a few because I'm already working already I just started up working but, I thought it was very curious because like uh even before I started out working I already bought an insurance but that one is not considered really a insurance lah it's called saving endowment plan


which wasn't the wisest idea cause I bought it directly from the bank, which I'm not going to mention which one , but basically like uh I thought that uh having some form of a saving endowment plan even before you start working right actually helps because


if you leave your money in the bank itself, it lose to the whole idea of inflation, that's what I was that's what was on my mind lah but, it takes it will take me like ten years to take it out


like to waiver even to get anything out of it, so ya, it could be a better idea to keep the cash with you but I just thought that !aiya!, who knows okay if ten years in ten years which is when I'm I bought it when I was eighteen if where I'm thirty eight I regret then I'll say my decision is wrong cause of now I can't tell


, yes but the thing is you do better if you invest it instead of uh contributing it to an endowment plan it depends on your appetite for investments so if you are very conservative an investor


you might as well just throw your money into saving endowment plan so that you break even so what you what I mean by break even is you don't lose your monetary buying power


ya, I would I would say don't spend too much don't, because I was talking to my finance okay so I have many insurance from very different companies


because I am uh associated with so my financial advisor is a from a financial company so they're not associated with one single insurance what I mean by that is like a because like for example GE Great Eastern they have a financial advisory team


so some uh some, companies like I think NTUC income they don't have it , so I associated with, one that is not in any of the insurance company so they their company is able to buy insurance from all the companies lah but of course they will have bond with certain company lah like okay if I have a bond with NTUC income and etcetera


so I brought like a multitude of it so I let him in charge of my insurance lah basically and my finance, he told me that usually invest too much on the saving endowment plan not the amount that I invested in , so ya


it's a fair enough point so I decide uh, to give you a rough idea, even though it's about, it's about ten percent of my current salary, not saying too much but whatever it is so which which is not a good idea lah per se


and it's per month, correct correct correct, I don't know I don't know it's like I said I was eighteen don't know what's going, but


okay, it's okay, it's okay uh I was, but I think after that when I had a, like when I was in uni so I know this financial advisor from my university


and then uh we are very similar thoughts that was way before he become a financial advisor that's why I engaged him to become my financial advisor in the end after we graduate and he actually becomes one so, he he taught me a few stuff we discuss a little bit then I felt retarded because of like I spending ten percent of my salary my current salary on


saving endowment plan and but I thought he what he suggested was good, so I had a decent personal coverage even though I brought it from multiple companies, and if I ever okay so, the issue with right okay sometimes when people buy insurance they considered two things should I buy from a multiple like buy from multiple companies


or should I buy from just one company on its own, the thing is I I brought from multiple companies so that, obviously you get more choices and your coverage is better cause you get to pit across everybody, but the definitely the downside is to you need to look for someone like let's say you get into an accident okay


touch wood but , ya but you, you need to look the the think about having accidents right is isn't to get insurance claim you need to look for the insurance agent in charge of your portfolio, so you buy from multiple companies you'd be like uh I die I think look for this person if I get into accident I need to look for this person you you see you see the difference


but the thing is uh I have a, financial advisor so if I die accident, just look for him, so I'm giving getting the benefit of a, choice but also having the ease of finding only one person


like so I don't know what is your opinion now if given what I told you ah because you haven't buy anything yet what you need to consider that you know


ironic ah


uh, a lot of it have to do with your whether your opinion relates okay so, if you want to invest your money okay there's many many platforms okay many many there's only one platform which is SGX so you don't have a choice in that


but there are many many ways you can invest the money so how many percent goes to equity how many percent goes to whatever nonsense that are out there stocks whatever right, if you and him can agree on what, you believe is a growing market and worth throwing your money into


that's also one way you can choose your financial advisor, because there's a lot of uh , trust is very trust can be very easily built, but your the stance and your opinion and how you look at your investments and everything this is your money mind you


and when you engage a financial advisor they do take a bit of your profit so they they have to share this kind of same idea as you okay , we believe in gold will make money so they invest in, like gold mines so people who mine goals and and etcetera


so it really depends mostly on trust and also what the same vision that you have in terms of investment and etcetera, and you also lastly need to be comfortable telling this person your financial situation


so let's say you need a lot of uh so your family can be, okay so if your family is very volatile right you will need a lot of hard cash, so you don't want somebody right who constantly bug you like


can you invest in money give me your money and just like like like you know creep on you ah like that that's not, a good way so you need to be comfortable with someone who knows your your family situation so that they can help you a little bit better


I think it's fair enough right, right


some people do fall for that but uh, there are other things other than like uh okay the thing about insurance agent is they, don't know what you have already so sometimes you might end up buying multiple of the same thing


and sometimes you don't need that additional like so much coverage, it's like (uh( I remember uh, I was debating with with my financial advisor about I was asking him whether term life insurance or whole life insurance is better


so he asked me basically two questions I guess one is uh, do you plan to leave any money behind for your descendants, or do you think that you might die anytime soon,


ya ya ya the thing it or I can you tell extreme sport uh what funny enough one of the course in uh, extreme sports right they talk about uh are you got to go skydiving I said no so I I don't know how whether skydiving will affect it or not like the extreme sports


so the thing about, term and life right is it depends on the person so if you want if you are someone who you think that you might die soon for whatever spidery did like you spider sense okay, you want to leave behind a certain amount of money for your family to continue on as if that if you are there producing money financially for them


because when someone dies not saying that the person has a monetary value, other than you know as a sentiment value this person also provides for the family, so uh some people view it like that but then uh for whole life means it's like your the whole of your life you pay out


so it could be like you have children that you are financial for, so like someone who is like super old like your grandma might want buy whole life insurance so that they can leave inheritance for you per se, so does the difference


yes but the thing is it's the money cause when you buy when you are younger it's cheaper, and depending on how fast it inflicts ah especially for, I think for a male it will be more expensive for a life insurance because they live a shorter life so means they die faster


no ah I'm serious as as psychotic as it's ah it's true in a insurance world but for medical insurance yes females one cost a little bit more because we live a bit longer so we need more medical attention, but for


something like that right , is like a it it really depends on what you want ultimately so for a life insurance ya you you know right you get you buy it but you don't let your you don't ask your spouse to buy it , cause you don't need throughout the payout


fair enoough right , ya ya ya that just to mitigate the the stress, fair enough what right cause you guys are, so you get the cheaper life insurance he he get the cheaper medical insurance but you have no choice but to buy a medical insurance


no I I would say different is quite cheap if you buy uh when you are young, in fact the younger you buy the better unless you got pre existing condition


I think both, okay I think both don't really need a medical check-up in the first place, what what insurance will force you to get uh


they just point you a gun and you'd be like alright go to medical check-up now I think no eh when I brought it both of them don't have, as in when I brought one of them it it doesn't have it I think I have brought the term one because was like a


nah maybe I've not considering giving anything for anybody just like bye , and I think mine was until sixty five I think, the retirement age ya so if I die during


why if I, it's like I can feel that if I hit sixty-five and I can't do work anymore I'll die of boredom like immediately when I'm sixty-six it just like instantly in one year got once


I cannot stand it, how can you all be bored, not doing work, see that's bad , [orh]


I told myself never I don't want to retire cause I will die of boredom first, ya so, okay, it it depends on your job nature I find a lot of fun in mine so ya, so I thought the yes if you plan your retirement age to be eighty


!fuh! I think you might have to invest a little bit more on your you better your medical insurance early , ya, and in addition you better by ElderShield because when you are eighty, depending on your health situation you might need someone to take care of you


so you can be a independent snazzy grandma or you need to or you need someone to take care of you which is a sad reality here, ElderShield if I'm not wrong it also covers a little bit about uh your expenditures to


to help you to pass so if you can prove that you cannot you know move about your daily life on your own, if I'm not wrong, you can hire someone who is like a maid or whatever to help you out with it, so in a sense yes you can consider as a disability I I just see it as a way of like okay if you can't live properly on your own


it gives you some form of financial freedom to hire somebody cause we hire maids are not very cheap, per se, so does the whole, think about funky thing about ElderShield that's why, the government is like pushing for your


for hospital only, I'll take only for hospitalisation if you get sick and etcetera


the thing that prep someone for retirement is CPF, it's the more general one is CPF because you can take out a certain amount of money from it, and you can choose to take it out monthly or one shot


ya ya ya but you need to hit sixty-five at least I think by the by our age I think we need to hit around, sixty eight or seventy which is quite sad so you better stay healthy, later later


ya but you it's more, it's at least more fun you get to work longer, ya you don't get bored it okay I can tell you for sure a lot of elderly right, when they are still working, their brains function more utilise more and they go out more they socialise more right


the illnesses rate right is a lot lower uh once you retire and just sit on your ass and watch TV every day, you're gone you'll die you you, ya so start a good idea to stop working early so you should work until you really literally die something like that


like a, ya ya, why why you want to retire early you you get to do more stuff you get to hang out with people even at work


you haven't even start working , ya but it depends on how expensive your hobby is isn't it, then whether your your money or your saving is enough to sustain that kind of lifestyle


be careful what you wish for (ppl), okay


part three negative experiences, I have a few


things going on especially after especially during post COVID there are some things that triggered me a little bit, and it's going to be very controversial, I hope it won't be taken out of context but okay, so I'm hundred percent okay with people protesting about the black life matter


but what I am not agreeable with is the ones uh in UK who vandalised winston churchill's statue, that made me very it made me angry to the extent that I couldn't sleep for two nights


and I'm I'm serious about it this this is something that triggers me, so uh they wrote on his statue , racist bigot, I'm not too sure whether you understand what I mean it means like he's a very racist man


I mean back then in their days it's like very common for them to be like a black man or eh or say things like a refer to them as like N word which I'm not going to say


uh because it was common back then they weren't very educated about how races work and etcetera so can you blame someone for not understanding that, and you are blaming someone who if essentially one of the key player to stop the nazis who advocate for aryan race which means one race


which is the blue eyes yellow hair uh yellow hair blonde hair as the as the only race that is supposed to as the superior ways of the world, and if, winston churchill wasn't him, I'm saying in very hypothetical situation we still need to


if he wasn't there along with the other allies uh forces right if they're not there to make the decision or whatever decision that they made to stop the to end the war early or and or in fact lose the war, we wouldn't be talking about racial issue very simple because there's only one race which is the aryan race


so how dare they, did that to his statue and one very very nice english fellow who saw like the stick a lot of weird stuff like uh racist and etcetera went to tear off the sign of the statue and the protester went to attempt to go and hit him


a lot of them went and swamp him and the police have to come and what you know protect him and I was like how dare you touched this men who understand the true gratitude of what, winston churchill have done for this entire world because this is world war two we're talking about


so I don't so I was it it left me with a very bad taste about the black life matter uh uh protest because , just the the amount of things that people don't understand about race and also history


shows that this could be potentially very shallow, like a we are having a very shallow conversation about race how we're going to eliminate racism is enough or or even even the world per se so pissed me off a lot


ya you know you can just peacefully protest that's an option you see, that's what that was one of my very angry experience in uh COVID during the COVID situation and being uh like in a home doesn't help you see cause I can seeing news about that and pisses me off more


oh okay what kind of news for you depressed by


the death toll is it for the COVID also


ya the I thought , ya there's just a lot of things that trigger me and then another one who is a a little bit closer now which is the I'm not too sure do you know who is johnny depp, okay do you do you know who is johnny depp the pirates of the caribbean guy captain jack sparrow


he is, he was two years ago he was dropped out of Disney, because of the lawsuits uh of the accusation that he had was to be a wife beater so he married to this girl called uh, amber heard


so what happened was that uh he was she came up and say during the peak of the me too when you know what is the me too movement right where a lot of a domestic abuse uh victims come out and say what they have experience and etcetera, so she was essentially the face of the me too movement and she allegedly accused uh johnny depp uh sorry accused johnny depp allegedly of being domestic abuser


so as a result he has a lot of business losses lah like dropping out of hollywood and etcetera, so now when a new evidence came to light so for two years it was bombarded with like titles like wife abuser and stuff, so for two years he was faced with that and then recent evidence came out and said it was actually the other way round it was the


allegedly I don't want get sued by anybody amber heard abused him instead so they're now in the court hall because of that, I think that made me angry also is like a it, it feels sometimes like when we have, like when we try to go one step in the right direction we talk about domestic violence and etcetera


people bring in things like gender race, and it , completely made the whole conversation shallow and that makes me angry, no matter who you are what race you are what gender you are you will get if if you will


you can probably still be a victim of domestic abuse, it's a bit disgusting wherever would they bring in things like gender into place, so that, ya and the thing is


yes and is that really , makes me angry I'm not too sure whether you feel the amount of level of anger have cause I'm like when comes to something like that but, this very it made the whole conversation shallow


and if we if you think about it, it's like a it's also like a self discrimination is means that oh women are weak you get abused


I don't know how that will make you feel but that make me feel mad , I'm not saying that we will be proud that, you know people can fight back but more of like, it should be applied equally without discrimination, which I think is a lot of the issue in this world though


ya ya I think something applies to you is definitely animal cruelty


ya some people talk about uh eating all eat animals equally, , sadly uh they talk about eating all animals equally, which I don't know how you feel about that, then there are some people who talk about straight up going vegan so I'm not too sure what's your feeling towards that especially for someone who


you feel a lot for animals and animal cruelty is something that make you really like uh like angry also, you don't say sorry to me you say sorry to your chickens


dog cruelty


oh you know what's the disgusting thing about cats okay people don't eat cats, but what a lot of a strange I'm not talking about normal religion here okay not no normal human will do this some people use cats uh to do sacrificial


activities but I'm not going into details, it's a bit disturbing isn't it, that makes me angry too there's a lot of anger in me I'd say


and then uh recently I I was I was following a few, topics about animal cruelty so uh I'm a bird person, as weird as it sounds so I believe in a freedom of bird so no, I mean those that are domesticated already please keep them domesticated but


when it comes to the exotic birds or even exotic animals community ah there was, people who breed toucans in general, and feed them parrot formula, as a result right most of the toucans that come from these breeder don't survive


over two years so they will die within two years old, and that's very cruel and then there are others that okay they don't breed it they just catch it from the wild and and give it to some kid who doesn't know how to take care of a toucan, and then these kid, just leave uh toucan in a parrot cage


and the toucan is like at least twice the size of a african grey, so you can imagine the living conditions of it, so sometimes that makes me angry like those animals that are supposed to be that we don't domesticated


like dogs and cats or some parrots, so they we are one hundred percent sure they cannot survive in the wild I don't mind people keeping it it's just that, why are you doing this to wild animals that you want to catch it randomly and give it to some random kid , if you catch it and then you breed it to domesticate like the foxes I won't have that much issue about it


ya but they don't they


you're right it it such a, such a irritating issue I'll say


I, I also saw a a news recently where they, talk about the I think I share with you the airline puppies, it's like the it was the dogs were the puppies were so overheated that like a lot of them died


while in transit of a flight, which I'm like okay that's horrible, it's like a, okay I won't be hypocritical and say like okay we should never eat chickens and meat and ever again, but I'm saying any treat the


but my let let these animals have a happy life, before we kill it you know, so I'm all about like a free range chickens, ah free range cows or free range whatever kind of meat that we eat


and I accept a bit of a cruelty or I pray for technology like impossible burger, to get better in terms of making meat that are not from like animals lah


ya but then there are also people, who use a cloning technology to clone the cells of a meat, so they grow meat from a petri dish


I I just hope for that to happen but there were a lot of , I'll say it hypocritical animal lover and one of them which I'm not going to mention but it has four letters in their aberration, is those people who dump


ya do dump crabs that they brought to save it into plain water, river but they all died, and cause environmental pollution because there was a lot of corpse suddenly in the river


those not so wise do do you do you follow them or do you like uh keep track of what they say, there are a lot of strange things that you talk about, they talk about uh, crabs feeling pain, or it feels pain after uh hours it dies


and a lot of signs have keep what I'm saying no that's not true so it's like a for a phase of uh talking about animal cruelty with, they are not a very good phase for you guys I would say, so ah that makes me angry too shallow organisations


and then , I remember recently something that gave me, nightmares I'm not too sure whether you read about it, I think that's something that really made me feel uh, scared and also traumatised, have you heard about the telegram channel


from the koreans, the infamous or ya , okay so what happens was the this bunch of people right this bunch of koreans created this telegram channel where they have, minors uh take uh nude photos and do weird stuff to their body


correct correct correct, that gave me a lot of scare, I'm not too sure about you do you feel, like a


right and then, there were so many and, there are so many members list right they they they were protesting about leaking the whole list of the members, but they were unable do so and they can't even find like there was three creators of this group but they can't even they only found one


correct but he still takes money in it so equally he is a scumbag but okay but that gives me a scare you know like a, they talk about, firstly like uh them just taking photos of just their face right and then they slowly blackmail you or embarrassing photos that you have and then they slowly blackmail you into this photo thing


and just spirals downwards, and some of the, I'll say some of the things that I read done to the girls were just, ya


, I okay this is going to be controversial as you know I would say some people might have joined it unknowingly so their record might be like okay they leave and then they go out, uh they come in and then go out I think we can leave those people off


but those who actively donate money, to this place their name list should be leaked, because they should get punished


ya it kind of makes me a little bit sad when we


think about it isn't it that the these girls, okay no matter whether justice was dealt with right this girls still live with the trauma, we we can punish these criminals as hard as we can but but I don't really agree with that


we can talk about it the other another day these girls will carry this with them forever and you know how, strict when it comes to korean, like culture when comes to certain things about, what a lady should be


but I understand that it has ease over the years but, these kind of things can easily ruin somebody's career, especially in I'm not just talking about in korea if somebody found out in singapore


about what the girls did for the group chat not that they do it willingly, it that might be some hard employment issues, definitely right and, it's just appalling that they use children like that and this is coming from


korea I thought korea was a little bit more, you know better than that, !wow! okay, ya ya, I mean I'm not saying that for the entire korean just very sad for the community ah I guess a lot of koreans I'm very proud of them for protesting to release the name list and they protest it peacefully like the right way that people should have done


if you think about it


part two positive experiences, okay, okay let's


let let's start with something interesting maybe we talk about a bit of our, your blushing experience let's talk a little bit about uh leo, or is he called V can't remember who's that guy from, for from vick's is it over already


okay so who is your, who's your new boy crush going on here like or celebrity crush, ya ya but I'm saying do you have any crush it could be a like a celebrity it could be non celebrity it could be from your chinese novel you know I know people can do like like magic


martial arts like whatever nonsense, , okay okay understand never mind


okay so, okay so what are the, so I use optimistic about what's going on now, life


you just don't have anything positive in your life going on right now isn't it , I mean I'm I'm very I'm pretty happy, which one, (oo) ya that's fun I mean


that's the skill I'm proud to have, like I'm I'm good at judging people sound it makes me sound like a like a not a nice person because I'm just like , look at that girl why she wearing a skinny tank top when it's such a cold weather outside it's like makes me sound like a that that kind of person


but I think that's something that I'm I'm proud to have it's like


but that's but the thing is okay you mentioned that, for me initially okay we we are talking about your classmate in primary school let's not mention any names here, okay when I first met her I still remember this in primary school by the way


that someone who holds grudge uh I didn't quite like her, and I also think that you didn't like her too, but then, you said that she grew and then you started to like her more, so in a in our world if we are very judging we don't like these people we will be like !hey!


we don't want to be his friends this person's friend at all we won't give this person a chance, it's like what you feel, when you have these particular skills


(oo) I know we who you're talking about never mind, we we we spill no tea here okay ,


okay lah but I think you have a very wise choice in terms of friends like from what I've seen of your friend so far they're all very


chill, like you like you you wouldn't would like a non-chill person , I'm okay I have some crazy friends too , no no no no I have a uh


I think this is something that I'm very proud of it's that I can talk to anybody like uh even if you are like a gangster from I don't know where, as long as we can communicate in english or chinese I I can generally do it like a we have a mutual common language so I have friends that uh


that yes I have my gaming friends who I don't even meet, and I still feel I still communicate with them I still feel close with them and I have friends that are little bit crazy that goes to like clubbing drinking , they go like shots shots shots you know when they ask this kind of shit so though I don't really drink I'll just be like okay shots


ya I have friends like that and they and you also know that I hate people who smokes and I have friends that smoke I'll be like eh bro man why you smoking man


there's other ways to de-stress I thought you like to play basketball !huh!, what happened why you look like a basketball now yourself, some but they are, I would say they're a little bit crazy I'd say in mind


it making us sound like we are dating but we are not , , we're we just good friends okay we are best friends that's all that's all to it


ya the thing is you are very, I don't know how how like your like your does your friend like vary from each other I feel like my friends like vary from each other that's why I it's very hard for me to bring my friends group together cause it there will be like one group of people black shots


and then the other one who's like gaming and I don't know what to do with them


alright I'll just leave it to my friend ,


so you are like his mother, how's your day, ya ya you are very motherly I think that's one of the things that people feel very comfortable with is like uh if, not going to say who uh one of our friends our mutual friend like has some issue right that she just want someone to listen to not interrupted right she will come to you


if she want like genuine advice then she'll come to me , really okay I'm I'm surprised you know she has this time where she's just just like, come here she just grab you and then I just like okay bye bye bye and she just tell you all her problems I was just there to like in the background okay I'll just chill


it was only two years ago how, bro you could have live until we are eighty lah what you mentioned just now


so what are you going to be immortal already two years is long then what eighty years is immortality, , I'll say you're you're you are very gentle, calm and chill demeanour and the thing is you when you don't prompt it means that you listen well


it doesn't make sense if you put two very talkative people together everyone will just keep like interrupting each other lah right if you think about it, if one of them doesn't know when to shut up that is, it's true so it works both ways


so I thought there's something that I thought it was something, really incredible while you , cause I when I listen to bullshit I would like hello, bro do you do you even hear what you're listening to like what you are saying , I would interrupt like like that


so I'm not the best person to look for if you want someone to just like okay understand your problem, no, but I thought you are not a bad conversationalist it's just people need to know how to engage you


it's just like endless question


why not, you you can ask them a variety of things you can ask them how's their country like, or what's so different about your country what's the what's the favourite food here


okay you can ask them what's the favourite food to eat there and compared to like is there a singaporean version I always find it very interesting that, the singapore culture right is, especially in terms of food you can literally find any kind of food here it's like it can be it can be the most obscure


like a foreign like from a very weird country here like even for jewish you can find jewish food here it's like what's going on ya, but it's, I don't think there's jewish that's just western in general


I I mean okay just I just yesterday I just found something that mind blows me okay, okay you need to you need to be aware that I don't really eat a lot of fast food, so there's till yesterday I found this thing called potato corner I know it is like a lot of people know about it right have you heard of potato corner


corner, it's like a, uh ya with the french fries and stuff, I went to eat it for the first time cause I was like


uh cause I'm usually like uh if I ever want to eat fries right I'm definitely a McDonald's fries person , and then I went there to eat I was like oh mind blow that's like, sour and cream there's like a creamy truffles so I was like oh my god this so good so such a good surprise I was like oh why


I found a new thing that I would eat , but I wouldn't eat it often I don't want to become a basketball , no that's not true you you haven't seen the true basketball yet, ya I I wouldn't I would say don't don't over exaggerate


what what's the difference it's just , that is not true but okay what ya that was a really good thing and then I was like uh, and then I've also been to <mandarin>海底捞:hai di lao</mandarin> recently uh I have never been to <mandarin>海底捞:hai di lao</mandarin> until uh this COVID situation happened why because you know discount


and I I assume steamboat you know hundred degrees you kill any kind of thing anyway, it's not bad the service is good uh, plus when you're eating with like people that lives with you


it's quite a good experience you get cheap food the service is good and and get to, enjoy it at a more peaceful way because usually <mandarin>海底捞:hai di lao</mandarin> is like packed and stuff now it's like everybody is like alright two meters away man just like you get some form of like it's like a VIP lounge already


!wah! uh I, I never like popcorn that much until I eat the <mandarin>海底捞:hai di lao</mandarin> popcorn, yup cause, I don't like do you eat the movie popcorns those are shit I mean sorry those are bad


but now we have garrets better popcorn garrets is it called garrets, you know those white bags of popcorn


I I never liked the squishy ones like those that, but I like those crunchy popcorns and garrets did well so I was like !wah!


things that I didn't like before started, to be things that I like which is not a good thing because these are not healthy food , !whoa! I ate the my first introduction to it right was spicy cuttlefish


cuttlefish ya spicy spicy cuttlefish popcorn and that was a very pleasant surprise it was a bit spicy for me, I'm not very good in spice but it was really nice so I never knew that I I would like a savoury popcorn other than the sweet ones


eh you should you should try it there's a Wasabi flavour too but is in malaysia, I think you can only buy it in malaysia, and right now the you can't uh get into malaysia , but then you can oh


oh you should hundred percent try, I ate the salted egg one too !wah! super good, , yeah, wait you don't like ervin's


like the the fish skin thing, okay we didn't we eat the some korean restaurant then there was a steamboat and then there was cheese at the side the dip that


the food with the, oh man I'm I'm the opposite of you man I love cheese these type man


I'm just like , I'm like give me all give me all all of that all, nope then now I'm curious then remember what uh your two groups of friends not going to mention who


sent you a birthday gift then how do you, like some of them are salty one, and cheesy if I'm not wrong, cause I remember choosing the flavour for you and I remember choosing cheese as one of it then if you don't like it to be too cheesy is one of them very gross for you or what


do you even remember your birthday gift you just eat it like one month ago , ya ya it's the chicken, (oo)


oh, okay different from what I remember, ya !wah!, you, oh I thought you say you didn't like it then I remembered ah


okay now ask you a little bit about your your feelings about the the gift that came later, I thought that was a very funny story I thought it was quite a was it good surprise for you or something I don't know


oh really !whoa! that's that's, interesting I didn't know okay then second one is from us


I thought that was funny cause he said that the the guy completely don't know what's going on


that'll be like a hope girly holds up the cake , also you also that much of a positive experience you would say, so it's not it's not like as uh fun as you you'd say lah


I think that's a negative experience right


!wah! love cake man but I only eat one kind of cake I'm very basic plain person ya, (oo) what which one what what store


(oo) okay I, !wow!


!wpw! now I'm interested you you send me after this okay I want to know, oh no ah no don't send me I don't want to get fat , that's like the best thing about quarantine is you get to eat a lot of things, like I get to eat a lot of things


you think about it it's like I I get to try things that wouldn't try because, bro everything is on half price they want to make money they want to come back from the circuit breaker so it's like oh how


bro I do gardening I'm like lifting soil and plucking out weeds yes I exercise a lot that's a that's a like yes , that's a yes muscle gained


(ppl) (ppb) I thought you were about to say yourself (ppl)


part one financial related topic, okay ya let's start ya ya let's start


what , uh I don't have any personal insurance leh like, to be frank the the I like like a personal insurance never really crossed my mind at this stage right now because I'm still studying I don't really have any income left income right now


that's why when when a lot of insurance agent come to me right uh come to me right I don't know what to tell them because like, like I don't feel like having a insurance right now though I know that is important lah like do you have any insurance right now


(hmm), oh


oh


ya but I guess he's worried I like,


, but I don't think you will regret because like endowment plan is compound interest right is it not right I remember there's like it's still a higher interest rate than the bank rate, ya


but I guess you have have both right like people always suggests like !wah! I heard around also like you you can have if, like some form of like safety in terms of whether you have some investment and also some insurance like endowment plan and also like bonds lah


so so I I wish I don't think you will regret it I think I will have an endowment plan like you not right now ya okay


okay, ya


ya, (mmhmm), okay,


!whoa! okay ten percent per month okay that's I guess it a bit high I thought usually it will be about five percent ya, but what what you look out for like if it is for if I'm looking out for myself I will I will say like like coverage my need and


whether why eh eventually need the money urgently maybe like depending on how my family is like like what what are you actually looking out for when you do your endowment plan,


okay,


, ya


, oh, ya true ya ya but but I but I guess I will I will do that also like


it's like because you know how I tend to lose stuff very easily I need that one I need to simplify everything so having one person that is from multiple company actually would help me quite a bit as compared to me going there myself


and finding my own insurance if I cannot find my own uh agent then maybe I call a customer service and you know how much I don't like customer service ya, but I would I think I will get uh I I most probably I'm thinking of getting a financial agent as well like there are a few I won't say friends but acquaintance around me that are becoming a financial agent but uh some of them like firstly I'm not close so I don't really trust them that much


there's one person I have been considering but uh we don't keep in contact that much as well though from that brief like interaction actually I I felt that I trust him quite a lot that's what, uh so I I actually thinking like how should I actually choose my insurance agent other than like trust and like whether the person can recommend me for what I need


like is there anything else beyond uh how you choose your insurance agent other than like you trusting that person


, ya, ya


(ppc) oh that's true like, ya that's right now, like !wah! I'll I'll never trust the insurance uh agent that straightaway tell me oh I'm I'm actually in the financial industry right now and I'm doing this now straightaway when the person call me


ya ya


, ya,


, I feel that I will die anytime soon considering how I go like skydiving extreme sports I guess


I think you will


oh


, but I think but I think that won't it be better if like we buy like term insurance and then subsequently we convert to whole life while uh, if you are like fifty or something I know it will be more expensive lah but if eventually you want to leave some money then converting will be better if like this


it's true, so are you saying to one person buy term one person buy life or something, uh ya that's true


yeah, but I don't think people should buy life insurance so early though like it's so expensive like like what you say like no meh I thought


[orh], hopefully not cause but I thought I thought I remember whole insurance don't need to uh don't need to do medical check-up


from what I remember or am I wrong , okay


, really you bought both, oh oh


sixty-five that's quite early


no meh , ha


really I'm expecting eighty but I don't know what time I want to retire a bit earlier , do you keep inside like do you keep where what when you want to retire when you are thinking about your insurance plan


really I'll die of boredom of bother work man ,


true that's true,


yeah but isn't that a disability insurance scheme ElderShield


, oh , but I think all those MediSave MediShield all these are all to prep singaporean singaporean for retire lah


true true, is it


the retirement age is getting it more and more, pay back yeah, super fun


, I kind


not really I will work and then after that I will go and do some hobbies like I said to do work for the whole life isn't that why I want to get insurance to retire a bit early


no maybe I I will have invest or buy an insurance just to retire early so that I'll get more money, that's true


(mm), (ppl)


part three negative experiences, !wow! ,


what happened, okay ,


ah


is he though actually I I don't know I I never thought about like history so I'm not very sure like what kind of person is he


oh yeah I know why you all need them,


(hmm),


, , I guess people sometimes only see thing from their perspective


[orh], oh that's why I don't I don't really watch news anymore okay ah for bigger matter maybe I do but like, I I don't want sometimes like watching news make me feel so sad like it makes me very depressed I'll say like


I can't remember like the injuries what's happening that kind of thing in the world, politics !ee! ya ya death toll politics you are if you talking about not as a death toll ah and all the politics how country are handling this issue


I don't know all these just sort of like make my day very depressing that's why I I I know some people always say that, like like it's important to keep yourself update about the recent news but , like I would rather keep myself a bit happier than updated about recent news I'm sorry about that ya


yup uh nope, ah ya yes yes when you talk about that ya I remember,


ya,


, stereotype type ah, like people can never view a topic like stand alone


there's a lot of real problem that you have to solve, don't you feel that, oh ah (ugh) I rather not watch that


okay, (hmm)


ya okay firstly I say sorry first cause I still eat my chicken and all my meat all my meat ah, like I can , ya I'm so sorry chicken okay never mind just not bring it over here okay uh, like I still eat I feel I feel like eat my meat like I'm so used to eating it I don't think I can ever just go like vegan


but at least because I like instead of saying animal cruelty maybe I'm more like I'm more of a dog and dog and cat person ya that's why I, like I still can accept that people eat chicken while I can never accept people eat dog or


I I have never hear anyone eat cats now ah but I guess lor


, ya,


(hmm)


but they don't, uh, and that reminds me about a news on the bird one I think they are they are trying to bring it across the border illegally so they they put all the birds in something like you know like a cage or something


like this size and then it just put it in like strict you know when when they they got they got caught by the custom like the birds are all dead, ya I


!wah! I can never thought about it I think that's that's the kind of news that I don't like that's why like I don't read news


ya you shared before,


, like vegan vegan vegan that kind of thing, like soy ya


!huh! !wah! I have never know that


I know


no no I didn't no I don't


, , ya that's true


and it's like people telling you plant feels pain actually I don't know whether they feel pain or not lah but I hope not, okay


(hmm), you sure,


no ah wait wait wait which one,


ah okay okay what's what's the the room is it the room ya ya ya I know I know I heard about it right people, , ya, it is damn creepy


and apparently he is not the creator he just a management , ya, ya


, ya, and then


disgusting, will you have agreed if they like upload all the members list like who are the members inside again not the like the the one who paid


ya, oh,


ya, eh but I remember because uh the one who exposed out when he want to like when he's going through the process of joining (ppc) there's a lot of, things that he have to give where I see uh he has to make a payment first so I don't think anyone can just


accidentally join and then come out, but getting a lot of people will come out and say oh I'm actually a reporter trying to be like inside like trying to expose these whole thing ah hello where are you when when before these whole thing was expose


oh definitely ya


really, okay let's not bring in let's not bring in country right now okay


, ya that's true


okay


part two positive experiences, okay, I think we talk a lot of positive experiences just now


no it's over it's over , no it's over it's over you are outdated , uh no ah there's none I don't really follow as much of K pop now I only follow a girls group not the guys group anymore


, no no no no no sorry sorry in my chinese novel it's like it's two guy together it's not girl and guy


it's a very different thing I'm,


in this I think that goes under negative experiences cause I worry about finding a job, ya your positive one, well we can go back to your first topic about that gut feeling I guess it's fine


the gut feeling one , ya


(ppc), okay maybe don't use the word judging maybe is like gut feeling


it's it's just like a feeling where wherever you meet someone new for a first time that's sort of like gauge what kind of person they are whether they will you all will click together


, the fish , ya she's cool


but I don't think so it's like meaning meaning you don't like her but I have never really disliked her before maybe we are friend lah, like just that we don't keep in contact okay that's another question for another day but we don't keep in contact


uh the the small girl ya okay ya


okay then it's uh, ah ha it's a very different case lah like because like once ah I don't even like her from the start then subsequently I won't even bother like talking to them


, ya that's true isn't it same as you, but that one is all your all your gaming friends isn't it


, ya that's true that's true


, shot yeah okay [orh]


okay, [orh],


, ya, yeah I guess that's your it depends on personality lah ya you're wondering how the two of us got together


, sorry I'm straight girl I'm straight straightly frank you know


, ya, I guess I my friends all are very chill but I one of the most like


similarity throughout all my good friends is they can talk very well so because there are times where I can't start a conversation or I don't want to sustain a conversation, ya so like the person will keep just talk talk talk talk talk ya well I can never be friends with people who needs me to prompt like a topic every time


ya I will prompt a topic sometimes like ask them a question but I can't do that every single time, like I have a friend in poly and like uh I won't say we are friend maybe acquaintance on a bus every time I meet him is like uh how's your day and that's all so


during our gathering subsequently we are like sharing our first impression then we always share that we don't have question with each other so I always ask him the same question, ya, but people always call me mom


really, but I will prefer people who would like genuine advice she has never come to me though, really


, I think there's a very long time ago I can't remember what you are which question you are saying but that one super long time ago like like you know two eh two years ago isn't it long enough


ya, I really I two years is long enough for me to forget everything but I no idea why people call me mom every time


ya that's true could be, (mmhmm)


, I'm not a best person to look for if you need someone to just talk


ya I guess so is like if you if you put me into topic that I don't understand very well I will just keep asking you question yes so I do


ya it's just endless circle of questions until like I can like chip in a bit about like what's going on then then maybe like that's the conversation going ah, but if you talk about totally stranger like foreigners I might not have too much of a conversation like for you you can always find topic about their country but for me maybe I'll just ask them how their experience coming here that's all is very general


okay


really, sorry all I can remember is french fries , no no no no, it's just when you talk about favourite food ya french fries ya


potato what, corner no oh no potato corner is a is a a lot of is the one japanese right, is it, ya ya ya ya ya my friend bought me that before


, ah that's true ya ya fries, ya


ya true , I am a basketball right now uh, , I am a baseball okay I'm a baseball okay small but still round


ah, uh ya I guess


is it worth it though like, ya


, , ya, ya but but that's true like I don't know my friend she always go to <mandarin>海底捞:hai di lao</mandarin> cause she always like say she will do her nails there the phone cover or something the phone protector ya that's their outside service lah inside she haven't really shared about it


popcorn really I don't really like popcorn also, okay that one is like that's a fear of the fewer choice that we have when we reach there but we always like sneak food inside


what garretts, I don't remember, I think I think I saw it before but I don't know the mean like I don't really like popcorn as well so I never really eat it


oh, ah


like you like the sweet one or like is it just like other flavours, , what spicy cuttlefish


, ah


ah, so it's like but I like the salty one though if you really want to talk about popcorn then I like the salty one eh actually no the sweet one is okay I think I I usually will mix lah


!woo! oh I uh I hate salted egg , I, okay, !wah! I eh I don't like salted egg at all


ya ah ya it's like it so very like it's very powdery I don't like the powdery taste