maybe I would say like, sorry what like for me I guess like, I wouldn't say okay like okay like I guess like applying to the university course that I wanted to like, because like I wanted I I I always wanted to do this particular course but


like because of what I went through in school I was demoralised right so I never thought I could actually be but it's still like kind of like I I kind of want it but I don't know whether I can so I tried and, I I failed lah so so I was forced to like take up another course instead so I guess that is like in a sense changing my future plans against my wills but I think it didn't go it didn't end up as badly


as I would have thought like cause I'm I'm still enjoying what I'm doing and, ya uh I guess like changing of plans may not be for the worse all the time it may be actually for the better so like we need to like


look at the broader picture and consider what the change of plans may actually uh turn out to be ya, no regrets though


how about you


it could've been worse


ya I think like I also uh feel what you like I also experienced what you went through like in terms like because of COVID you have to change plans like for me is like a mentoring programme so like we had to


like we already planned out everything already like already spent like a lot of time doing the logs which is like the most time consuming thing so like all we had to do is just carry out the engagements but because of COVID they have all have to be cancel lah but, like what you said lor I'm glad that like at least we ah my community had a uh committee had a chance to carry out several engagements because like other comms they don't really they haven't started


so like I guess it's also a blessing in disguise that we managed to start it off ah and also like we made some plans after we stopped the engagement to meet the beneficiary like two more times so like it's also at least a closure ya I think


ya that's something we thankful for at least we got to meet the beneficiary and , get to close off the sections, ya, ya COVID we have to change a lot of things cause of COVID but I guess it teaches us to adapt


yes (ppl)


positive experiences


(hmm) uh maybe like you can start off with sharing what makes you persevere


I think mine is similar like yours like what makes me persevere is like that end goal like cause think what makes me accomplished is that like my efforts don't go in vain so like , this makes me persevere cause I want to see like the results that I want to see ah like be it academics or like


personal growth ya so I think, like this makes me wants to go on like keeps me motivated so like maybe like what studying for exams , this make me persevere ah also like to say like improve myself not to like to prove other people wrong cause there was this period of time like during


like school was quite demoralising cause everyone around me was doing really well like surrounded by a lot of capable people but, ya so that really demoralised me ah cause I wasn't doing as well as compared to them so like wanting to say like I wouldn't say compete but like going on par with them and like


outdoing myself makes me persevere although it was really hard yup but I think like after everything after persevering you look back and think like it was so worth it ah cause you get like for me


like accomplishing what I want to is very fulfilling


is there a time when you experience personal growth I think it's quite related to perseverance right


(uh huh),


ya I agree with you I think this period of time really allowed us to think like to maybe like focus more on ourselves give ourselves more me time ya but I think I've also experienced personal growth


in school , like, like what I mentioned just now like cause there was like a lot of like competition around me right so like it was quite a tough time so I had to focus on myself like I'd I kept things myself like


okay as long as I improved I think it's good enough I don't have to be as smart as them I don't have to be scoring as high as them just have to improve like, for every exam that I do ah so I think in that sense it was personal growth about not having to compare myself with others then to really focus on improving myself like my grades in this sense


ya so I think in that sense is personal growth ah maybe in a different perspective


yes I agree , , so now with COVID and all what do you look forward to when everything ends


(mmhmm)


, , same I think like one thing I miss quite a lot is like social interaction but this period of time also show me that I don't really need a lot of it and I think like one more thing is like like seeing my friends and family because like


I'll meet my family quite often like extended family quite often so like this circuit breaker we uh this this period of time we we couldn't meet so like, it's something new to us lah so I think like going back to normal from maybe not like will allow us to meet again and like


and like ya just relive what we used to do and I think one more thing I missed and I really want to do is travelling because, like ya this like now we don't have school like holidays so like if not for COVID we'll be travelling and


like it'll be it's quite nice to see the world like other countries and like get to experience other cultures so think I look forward to that once everything ends and we're able to travel, but for now and I guess we'll just stay at home and do our part yup


oh oh okay, ,


like you want to visit them but you cannot like you scared you spread the disease or something, ya I feel you,


, true so it's like quite a long time ah like until everything clear , ya


what was the best meal you had


ya I agree it's hard to choose one , like spending time with friends and family lah


there was one particular meal we were overseas and then like the table cause like okay when I go overseas with my family is like , uh twenty plus of us like a standard family ya so like during that meal it was a whole big table where like we fit all of us


so it was quite a like a interesting experience like cause normally when we go out eat we need to split into three tables but then that once like in that country uh like we we all sat around one table although it was quite hard to handle because like


the the lazy susan in the middle we have to turn very long and many times but it was quite nice because like we could just bond over the meal and like have fun ah ya, and about what you said like what you said like it may not be the best meal food wise but that experience itself is something that is very memorable


, uh , okay


, uh,


, that's nice while we still


okay I need to think about this , !wah! okay you can go you can go first laughed too hard ah


okay lah I guess like like recently okay I cannot really think of much I don't know whether this is the the the the like okay but I laughed quite a lot like we were we were in like hostel in school and then like


okay this was this was like before COVID so so we were like, having fun we were like we were like talking and all then somehow like I don't know what we were doing lah but then we started like kicking what like what were we doing like kicking slippers and there and like I don't know lah it was very lame but it was damn funny and like


ya I guess like it's just like these little moments that make school life more interesting lah then like like we just picking random objects and throwing it here and there but it may seem stupid but it was quite funny at that moment I really cannot think of anything else


, (mmhmm) , how about you


ya ya, moving on what is the best surprise or gift you have ever given someone


okay that that is quite surprising so was your friend very surprised amidst the mess of the fire drill , think for me is like


I'm not I don't know whether is like the best surprise but like the best gift maybe is like spending time the personal and like I mean not so much of the surprise , okay maybe it's just me ah but I I guess like spending time quality time with the person is quite important and like personally I like that that would be the the best gift lah like


get to spend time with your friends catch up with when everyone can meet like as a good old friends because that's quite rare then like especially now like everyone got like their own schedules ya, but ya


it's the time also ya and like the thought ya, was there any like particular period of time where like you were like you experienced help by someone when you really needed it


I agree


just them being there and like providing a listening ear is like more than enough lah I agree ya, uh for me like this help by someone okay lah like I think mine is like mostly the same as yours also like as long as the person is there to like listen to me or like go through with me like the same thing I think it's like more than enough comfort so ya


and definitely been helped by a lot of my friends lah when I need them so I guess is like quite comforting to know that I have these people that I can turn to ya, tough times


ya, just like ya knowing that you can talk to them anytime ya ya


, ya I think I agree what Xing said because uh I think we cannot predict what


uh health, uh what accident will happen to us so you might fall sick one day and if you don't have a health insurance to cover that then you have to bear the cost lah which is, quite high so for my own relatives for example some of them just fall sick uh without any medical history then these they realize that they okay they have like cancer so if they don't have a health insurance for that then


you have to take all the test all the operations which are very very costly, and yeah but good thing for them is that they have health insurance so they can claim so no issue for that but the thing about insurance is that the claiming process is always very tedious you have to always


uh provide a lot of documents a lot of uh, receipts yeah, but uh, for insurance for people of our age I think because as of now we are students right so uh we are not very financial capable of buying uh


legit, insurance so uh our insurance are usually bought by our parents since young, so right I I maybe that's for Xing also but for our own insurance I think we're not financially capable of that because every month you have to fork out a certain sum of money right and we are currently not earning also so maybe that's for the near future when we start working as uh full time yup


the second question yup,


, yeah uh for me my insurances uh is covered by my parents as well, uh from what I know I think they only bought the the


accident insurance so if I if I'm hospitalised then I'll be covered so I anything apart from that I don't think I'm covered, and so I I'm not I'm not financially capable of getting my own insurance yet so zero percent of my income goes to insurance


and uh yeah I'm only covered for hospitalised stuff Xing are you there


okay I completed the second question so let's go to the third one do we get insurance from a single insurance provider or do you pick up and choose from multiple companies


for me my mum, uh, she buys insurance from this particular agent since like when we were born twenty plus years ago and she's always been sticking to that particular insurance agent


uh but for my case I think I'm open to trying I'm open to trying out different deals that they offer so some insurance agent might offer better, policy ya so I think it's it's good to try and and listen and see what they can offer


(mmhmm)


yeah I think what I look for in an insurance agent would be someone that I can yeah talk to comfortably also because I'll be sharing a lot of my personal stuff with them right and and also I don't want them to be too pushy


because that's like the everyone's very annoyed with with them being so pushy and hard selling right yeah so someone that that, that's very sincere genuine really want to help you with your future insurance planning and ya like what Xing said like what #xing yi# said


someone that uh can continue, your insurance when they grow older as we both grow older so but there are both pros and cons to that uh if they're younger agent they might not be so experienced yeah and if they're older they might retire by the time you grow old


ya so that's something to consider


yeah I think


quite similar also I'll ask them uh how much is it and what am I getting out of it and, after knowing what I'm getting out of it then maybe I can proceed to a few more agents and compare


compare them and see what's the what what can I get best out of those,


okay


yeah I think most importantly would be how much uh they are earning, although sensitive but I think that's what we need to know if I'm if I uh work as an insurance agent and what they would want to get out of it yeah so what are they looking for


in a insurance yeah,


no, buy term when invest the rest do you mix insurance and investment or do you keep them apart


I think it's for me I would keep them apart, because, I don't know but I mean it's just doesn't


work for me to mix insurance and investment, ya investment is like another matter insurance is another so what do you think Xing


yeah I think that's just preferences


I think I would prefer whole life insurance because I think personally I don't like to be too I don't like things to be too tedious so I think if if uh I'm I settled on this policy this insurance I think I will just stick to it


ya because I think in the future we'll be working will be very busy , I don't think you have a lot of time to go go and talk to many different agents, yeah so that's just for me lah I think I would just prefer a whole life insurance yup


uh no but we can not we can choose not to, , yeah do you think CPF insurance coverage is enough for your insurance coverage what are your thoughts


on medishield, eldershield or medisave, , uh yeah


ah, uh from my relatives' experience I know that they have both uh, medisave and insurance so after their so after their operation even after deducting medisave they still have to claim from insurance so


ya CPF alone CPF insurance alone is not enough , and last question


ya same I've never heard of it ya but I think uh I would go


to a professional agent because I think they are there for reason they attend the courses to help people like us for a reason right to assist us so I would go them go to them for uh any uh questions that I have in mind


yeah uh for me what I would tell myself five years ago is to start saving early, ya because I only realised that saving money is so important now that I'm in my twenties but I think saving up


young is a good habit ya you don't when you earn part time salary you don't spend all of it you keep some in your savings and it will help you along the way, and next question how do you manage your cash flow and


how much of your income is allocated to savings expenses and insurance for mine when I get my monthly pay I would, keep uh more than eighty percent of it in my savings account because I don't think I I have I don't have that much that many things to buy yeah it's just occasional online shopping


yeah and you can get cheap deals somewhere yeah and it's important to save up and and and I get the satisfaction when I save up when you see your bank account slowly growing,


ya ya ya ya from three digits to four to five ya,


yeah I think fifty percent is good enough,


ya, , and to earn extra income I think, if you are a student you can just go and get a part time job


get one that is flexible so you can uh work while you're schooling that's what works for me when I was in uni I, get I got a part time job that's uh, uh, flexible so I can work and school at the same time


okay (ppo)


okay, Xing what is your pet peeves


or when they chew very loudly, oh


I don't like it when , people babe me, babe you know like babe !hey! babe


when we are not close yeah, ya so ya that's one thing that I don't like I feel that I'm not very close to you, then the babe is just very super just very surface


yeah do you feel the same


oh uh, (mmhmm)


, what do you fear the most though


yeah I think that's for everyone right everyone will have the certain fear in them about when losing close ones


, yeah I think recently uh recently my grandma passed away uh not very recent lah about one or two years ago


but, uh although we're not that close but, it's still very saddening to, it it is the fear in me lor that one day you know everyone inevitably will pass on so like it just uh makes me want to treasure my parents more because as we grow old they are growing old as well


so I make it a point to spend time with them have dinner with them go even going for grocery runs,


yeah, yeah, and now that we are adulting right then I need to look for a full time job


right I'm also very scared of failing, I think ya very common right for people like we we are we are scared to fail we are scared that , how how do I be an adult like how how is it like to be adulting ya then will I have enough money will I be successful in the future


uh, how will the future be like for me, will I get my job done properly,


yeah am I I just keep thinking am I good enough for the company to hire me, yeah, uh


especially when you are graduating in this time of the pandemic, hello Xing can you hear me


hi Xing uh sorry I think I got cut off I think I got cut off ya


yeah I was saying we were talking about how competitive the industry is right and especially now that we are because I just graduated and it's such a bad time to graduate in, because of the current pandemic everyone is


uh, most of the companies are financially unstable they're trying to retrench staff, but, we graduates we have to look for a job, ya so it's like


uh it's either we get a huge amount of pay cut or, or we just have to wait around and see and wait for the economy to get better for companies to hire us, yeah so is a


yeah it's either you take it or you'll be jobless you get what I mean


ya, , offer you ya right I I I get it I get it my mum told me the same thing also


(mmhmm), ya I also applied for a job but they are not getting back to me so I I am quite disappointed because


ya it was quite a good offer, like I can I I read the descriptions and what's what's the criteria I think I I mean I fit all of it


then the pay is quite good for uh a fresh grad also but they're still not getting back so I don't know maybe they found, uh no maybe I'll write an email to them write a cover letter email


thanks


(hmm),


but poly was fun, five, like do you but, , we still had some, uh you know our projects sometimes it gets so hard that we just breakdown


we have to stay over in school for like one to two days, we just rushing, just rushing our projects and even after rushing for projects we still get bad feedback from lecturers and at some point of time we just


breakdown and just want to like stop stop with our, just don't want to continue anymore that happened to you also right we both stayed over and then the next day we got and then the next day we got uh bad feedback from lecturer what was the worst feedback that you you've gotten


(mmhmm) yeah


oh, yeah I think that happens for me also like when when things all go wrong then the but the submission date is fixed


so you just have to rush something out no matter what it just get a pass will do but I remember the worst one for me was almost remoding my module, yeah in year two


uh, I don't know why but sometimes I'm just that, , I just get this feeling that uh the teacher is biased, so because sometimes I will fight back for, for my rights lah


and then she's just not happy with it then she's also not happy with my work, so at that point of time she called called me in into the room and we had a one to one talk and she was basically just personal attacking me


uh yeah, I I I think you know who is it but , she just asked me do you think you are fit for this course have you considered changing course uh and she even said it's not too late to change course even though you are in year two yeah so


yeah so that day I didn't sleep the I didn't the previous day just so I can rush for that project right so even submitting after submitting that project I still received a bad feedback, then she called me into the room to talk about uh not I'm not suitable for the course and that really I almost broke down in the room


ya so, ya, she was very demoralising so I talked


to other lecturers about it and they said that she's just like that, I'm not the only one I'm not the first one so I just let it be lah and I just completed uh my project based on what's required in the brief


and then I just submitted and as long as I don't remodule I'm happy enough and I didn't so I got a pass and I'm yeah that's enough


ya just,


ya, you question yourself a lot, like am I really not suitable for this why is everyone not getting the bad feedback but I'm the only one getting bad feedback yeah am I that bad


but because design is very subjective so whatever I design people might like it but she might not like it, but


that's why, it's very difficult to satisfy different lecturers, because they have different way of marking different styles different design styles


but which did any lecturer made you very angry during your poly days, (mmhmm)


(mmhmm)


then affected your grade,


I understand, yeah because it affected your overall GPA right and, ya it will affect, your application to uni


in what way


in what way toxic


yeah I think people are generally like people they want to have good grades themselves then they refuse to teach you what they have learnt or what skill that they they acquire just so they can score better


ya so I think these are the types of people you face in actually everywhere like even in the adult world even in the working force I'm I'm pretty sure there are people like that they just want good for themselves right


(mm)


positive experiences ya okay yup, !huh!


for me, I'm quite, uh lazy you know right so I think you just live life as it is lor just no


just work I mean it's very, routine like for singaporeans right so you just go to work when you grow old and then, get married, then just retire, ya what about you


of your family, oh ya


oh ya ya ya ya cause I'm the youngest out of three siblings so I have my two other brothers, to help take care of my my parents ya so we can you know split the ya


what's your, ya okay, I don't know what's your what's your secret what's your skill


me ah, for school wise I think I am very good with hands-on project


so I like I can, I'm very detailed lah so I can you know build models and stuff like that which not which not, ya which not uh


what everyone can have ya, , ya but you are good at some things what which I'm not good at, think your photoshop is better


(mmhmm)


ya you are the OGL right, ya, so you enjoy talking to people


ya me too certain extent, ya, sometimes I prefer uh sometimes I like to talk to people but like you know quite ambivert, ah


me I don't know, uh !wah! I can't remember


ya, ya, (uh huh)


(mmhmm),


okay, I think for mine I it was something embarrassing I fell into the drain in public, ya it's not some happy incidents you know it's just I was walking using my phone then I there was a drain in front then I didn't know it was a very deep drain you know then I fell into it


at Hougang MRT station, ya then it was was so embarrassing and my whole face, my whole face like became red, blush but ya not in a very sweet way


but like embarrassing way, ya, how's you with your, are you happy, with your current job


(mmhmm) ya, oh, oh, no but you intend to go back to koi right


no but because oh because you you enjoy working there, (mmhmm)


for me, because of the current uh pandemic right so I was previously working in a bar you know right I think I told you before


ya no no no no no the one nearby #tai seng# ya I but ya I was working there for close to a year and because of the situation then we have to close we have to stop operation


right, ya but I just remember, it was very fun working there even though uh we work like, quite late till like one AM two AM but everyone there was so bonded like the managers took care of us really well the full-timers also took care of us and everytime about every week after after work we'll go for steamboat supper


ya, ya so it was like a family and then chinese new year we will have uh #lo hei# together and even, even our, customers are one a part of us, so we have a big group of uh we have a big group we will go for supper and after work we will stay there together to talk about uh our personal life we'll even like uh if you have if we have boyfriend then they will tease you like


ya lor so it was really fun working there but ya I would go back if if the situation allows


oh but recently I met up with Shalom and #shi ting# they all you know, after after, like at at Shalom'S house


after like four months of not meeting, ya then everyone was so excited the day before we plan oh what you guys wearing do we have to coordinate our outfits and what food are we getting uh can we pre-order our food now and do you oh can because we can finally get bubble tea so everyone was very happy


ya, uh ya


, Xing, did your boyfriend surprise you recently


hello oh no Xing Xing oh shit


I think she will come back soon ah, oh no, but I don't want to use my phone because I'm still in recording, okay


okay you do you want to try whatsapping her, oh ya, never mind she will come back


oh she's in, hi Xing, hi Xing


your phone one how's your phone one, ah okay


let me know, when I can continue, how how did you celebrated father's day last week


ya you are the only child right, was it fun, oh you like Mahjong right


ah, (uh huh)


so was it, nice nice


ah, , oh because in phase two we can finally have people coming over right so my brother came over with his uh girlfriend then we had steamboat together as a family then we watch


ya just a very simple meal nothing too fancy but we didn't want to go out also because it's so crowded right so we just decide to stay at home to have steamboat then uh watch, watch uh netflix ya it was fun ya because uh we like to crack jokes ya


so it was very fun, like watch those like jackie Chan movies you know not not the not the english american movies watch the jackie Chan or the ya all the comedies lah


ya we usually just watch comedies when we are together, , so have you have you met your boyfriend after phase two


started have you met your boyfriend after phase two started, finally right, where did you all go


oh no, what's your favourite activity with him together watching a movie


(mmhmm), ah, I have that I have that in my netflix list also but I just there's so many seasons I just cannot start there's ten seasons right


there's ten seasons I just cannot I just cannot, ya we enjoy watching netflix also but uh we don't uh we are not


together all the time twenty four seven so sometimes we will just watch on our own pace ya but we enjoy watching movies together lah like you know, then snacking


oh the, hacking one right is it the hacking one, what what what are you talking about


on the netflix party is it ya ya ya me and me Shalom and #shi ting# we we watch uh we will use netflix party every like one one week so we ya all four of us all four of us we


will we will uh, decide on a day and time so we like oh nine PM tonight netflix ya then we will, prepare everything everyone grab a snack then sit in, front of our laptop then we K we play do you use netflix party


ya I think, ya I think netflix party is very very smart lah, like they connect people together then when you play it will play on their their end also so you don't have to share screen likes on skype right


ya then it will lag ,


me, when I want to relax I like to just go to a nearby mall alone


and just walk around looking at things so like ya ya ya because because I'm alone right so there's no one talking to me then I can just go and run errands and look at things that uh I'm interested


in so recently I'm very interested in a vacuum cleaner you know the the wireless one, no lah dyson is too expensive because we went to Shalom'S house so uh we saw the wireless vacuum cleaner so me and amanda got very excited so we started searching


wireless vacuum cleaner ya, then the next day the next day I immediately I had the I had the urge to go to my nearby shopping mall to go to like the best denki and take a look at vacuum cleaners ya


ya but I also enjoy just walking around getting food that I like by myself, then just listening to songs so I don't have to talk to people, !huh!, what about you


ya I think you you just need to be alone at some point of time and then one way another way is to just take a nap lor take a nap to calm yourself down ya


then when you wake up you feel very refreshed just go and you know freshen up


yup


, take a jog ah, okay


hi Xing are you there, last question for you, which is your favourite country, to travel


why, (uh huh), oh sorry english only okay okay


, all the nice food right


all the I like korea, ya me and my friends we enjoy going to korea because a group of girls we enjoy makeup we enjoy the culture we enjoy the K-pop scene


ya so, we and we make it a point to travel to korea every year, but, but uh sadly because of the issue we have to cancel our our trip but it's all good because we are planning for next one soon


okay so I'll start with the first topic is it, I will go with sequence uh, first question is what kind of insurance are essential for people of your age , my view on that is that I think health insurance is more important than life insurance and also savings insurance the most important


the one to three is, health, followed by savings by and life, in my opinion because , hello can you hear me ok


because the first one health is very common between us, we often like, go to the doctors go to the hospitals especially now when there's like so many diseases out there like dengue, COVID so I think the health


is very essential followed by uh savings is also, uh I I a lot of, agent like insurance agent always say that is important to earn, and save but it's also important to


not it's it's uh important to not lose what you save so that point I agree but at the same time I feel like, as a student, uh


it's not very feasible to get a savings, plan now as it is, uh most of the saving plan saving insurance require you to, continuously, putting in money without withdrawing it for, uh as long as ten years in order to just get


a few times of the money so I feel that health insurance is the most important


uh should we go to the second okay, uh what percentage of your income do you spend on insurance and how much coverage are you getting, from your insurance uh me myself, my insurance is covered by my parents so


, I only have a life insurance, and not a health insurance yeah my father's company, uh provide life insurance for the whole family so, that part


uh that part of it, I spend, zero percent of my income for insurance, and coverage wise I'm not very sure also, yeah


hello, hi sorry my webex crashed, ok ok third one is


uh I'll start first I think if, I do get insurance I'll get it from different insurance provider as, uh I feel like there are different benefits, to which kind of insurance they have, so uh in different insurance department


uh I'll go for the, better ones with, like different provider with better benefits and coverage


ok the next question is, what do you look out for an insurance, agent and what kind of questions would you ask the insurance agent when getting an insurance policy, I think for insurance agent I uh from the previous meetings that I have with insurance agent I would find one that is able for you to talk comfortably with them


that's the most important because you have to give documents then uh what not during, like an insurance claim or whatever so I feel like it's important for you to, find someone that you can talk to comfortably, and also someone who can especially for life insurance or like


even health insurance it's important to find someone who , this might very sound a bit bad but uh someone who is a bit younger uh have people like who you know will be taking after then after they have retire or


passed on , yes so, uh from my experience the previous insurance agent that, talked to me he he made sure to , assure me that his son will be taking over all his


customers after he retire, so is rest assured for all his clients so I think that's quite important, ya


and the second part of the question is what questions would you ask the insurance, agent when getting an insurance policy I think the first question I would ask them is , the cost the cost of the insurance


and also the duration of it and also like the the the coverage that they provide ya that's the most important questions that I would ask


erm but sometimes uh different insurance agent has I mean different insurance company has their own, rider policy if I'm not wrong so that's another factor to, factor in uh depend on like benefits and coverage and cost also ya


then next question is if you are if you are an insurance agent what questions would you ask the client when planning their insurance coverage I think the


most important question is their current, situation and also their plan in the next five to ten years, I I find that this is the most common questions that insurance agent ask so that cause their main job is to plan for your future like savings or health or what


so they have to know I mean, if I'm insurance agent I have to know what is your current situation like, and what's your like , for example you are student how much are you earning they earn yearly so that I can better plan, which kind of policy which kind of


ya policy is better for you


and also I think because of the the current situation of the COVID situation there are a lot of industries that are affected so I think the industries they are working in also quite important


to know that whether they're stable enough for, a plan like this especially is something that will cost a lot more, ya, cheryl anything ok next, uh what's next ah ten is it


insurance and investment


I think I think uh uh I would, I might keep them together because, uh, the saving insurance right normally they give you like the benefits of like oh if you withdraw like ten years later you'll get a certain amount and


a certain interest and, if you withdraw longer like twenty years later you you might get, more interest, and more benefits so I feel like in some sense that is kind of a investment also yeah


next uh, term life insurers or whole life insurance which do you think better for you, for me I would say term, because for now for now as is in my current situation I would say term because uh I think I will rather play safe and get the flexibility of changing my insurance provider from time to time if like I get


a better deal from someone else


true, okay shall we go to the next question


choose not to


I think I think CPF insurance is not enough it is only the very base of everything because, let's say if you have like a big surgery that you want to do definitely medisave is not enough to cover everything so I think getting external one would be better


okay , would you approach an agent or DIY when it, comes to insurance planning if DIY how do you plan your own insurance I'm not, I've never heard of anyone DIYing their own insurance planning


ya, ya okay


what's one financial advice that you would, give to the you five years ago I think err I think, five years ago when I was, sixteen, I wasn't very sure about like the


best interest like bank account savings or what not so I was I was just using my POSB kid's account all along, then I I I think that, I could have saved so much more if I put my money in a better interest account, yeah


for me I agree with what cheryl say about the satisfaction of seeing your bank account growing, the numbers but uh, yeah but uh personally I don't I I cannot save eighty percent per month on savings


I think that's very extreme, I spend I I put uh fifty percent straight into my savings and save the rest but that also, yeah that also , depends on how much income I'm having cause there are necessities that I've to spend every month such as transport food


and also (um)


pet peeve ah, I hate people who have like very like bad habit of like eating and like spitting something to do like saliva and stuff so I I don't like it when people


ya that could be one, then when they chew very loudly it's not only the sound it's like when their saliva like spits everywhere with the spittle flew into my face and this kind of stuff, ya so I I really hate that it's just very unhygienic lah I feel


babe you, oh, uh , why though


uh it's just those like very like I feel the same when someone you know those uh okay this might sound a bit racist but some


people from some, other country like to call you, like, eh <mandarin>美女要不要买这个要不要买那个:mei nv yao bu yao mai zhe ge yao bu yao mai na ge</mandarin> like she don't even know you this kind of thing you know, so my personal experience I used to work at koi


I don't know this one can disclose or not but okay it's just my experience I used to work at this place and I have a colleague who is from another country, I I think it's just like their their like culture culture like practices there but they calls me <mandarin>美女:mei nv</mandarin> like just like eh <mandarin>美女:mei nv</mandarin> like help me take this


I feel it's very disrespect disrespectful cause especially when we work together like I have a name why don't you just call my name is it because you forget my name you don't bother to remember my name those kind of thing so I feel very this is very disrespectful lah ya


do you, ya uh, as cliched as it sounds I fear of losing people that are important in my life and


especially like not just like uh I lose my best friend like uh I don't have uh like me and my best friend not close anymore these kinds of thing, it's more like death like someone passed away


I think it's a very sad thing that we only realized it when we are this old like you know everyone go through their rebellious phase yeah we just want to hangout with friends to be alone don't care about family


I think yeah especially where we are like in such a competitive uh not really industry but let's say era competitive era uh although there are more places that are more competitive like china and stuff


but it's honestly very scary to think like cause everyone wants the best employees everyone want the best like accountant people who are like competent at their work but


especially like we're like graduates right, so it's honestly coming out of the industry so suddenly although you have like industry projects yourself but so suddenly you graduate and you just have to like find a job on your own just like go with it


ya uh I'll continue first so yup hi


hello yes uh ya fine now, ya you were saying especially


think I read somewhere someone shared like a fresh grad from uni also like the person was saying they spend so much money for a uni education and also get like a degree, then come out someone is offering him a job but it's at a very low salary so it's like way lower than what a uni grad would expect


ya it's ya then he what he was struggling was he said that should he take that job, but someone someone told him that if you take this kind of job with such a low salary right next time your next employer might might low ball you also


but !aiya! now is in a you just have to suck it up lor, this this kind of situation


good offer ah,


have you tried calling them like calling, ya wish you good luck (hmm) but


(hmm) I think a lot of people are saying like jobs right uh sorry not jobs universities universities are giving like JC kids priority to go in first


like more than ever now, ya because I think lah poly kids poly kids already have like, some sort of knowledge for them to go out in the workforce, currently but JC kids they don't, have the experience as much experience as poly kids so I think like it's it's true lah like uni just want to uh give like safe places for the JC people instead


but I feel like !aiya! in this in this world right don't have uni cert also very hard to survive so I would say it's it's quite unfair for everyone that is getting thrown to like uh


uh less priority side, fun


(mmhmm), yeah multiple days


too many times ya too many times, ya like normally when we still, the worst feedback oh I think I remember


uh doing a project for a year two, project and I spentt like I, think was a four weeks project it's not a big project but is something that gives you grades, so I spend like four weeks consulting a my lecturer about like my idea


and all he said was ya it's fine it's good it's fine, but on the actual presentation day I've presented and after my presentation everyone was silent and the only thing I heard from the lecture was what you just present was not what the brief asked


so that means like I got I got it all wrong, like it's not even uh like how to say like, uh out of topic, so I had to redo everything in like a week,


although it's like, (uh huh)


(hmm) really, yeah


at year two


I think it's very it's too much lah for a lecturer uh like a educator to be so discouraging and ,


ya that's what we were all about right, just pass can already but honestly do we say that because we are so tired of getting defeated and getting all the negative feedbacks no matter how hard we try


it's just it's just so tiring and so demoralising to know that like maybe she's right maybe this course is not for me


yeah yeah, I know in a class right there are there are always like, like good students bad students it's not because of their work okay sometimes there is it is because of that but sometimes it's just your lecturer is not just biased and subjective


and some, some of them just judge based on their own interest


ya (mmhmm) we get compare compared between like the top student like top student in regards of like the lecturers' view


you get compared like in front of everybody, openly it's it's just not helping lah , it's ya it's not helping I think


angry I think there is once also when I think she was a new new lecturer and she was teaching us a module and I


it was a module module that I was very very interested in, and that was the like only reason why I, choose I chose my specialisation in year two then I went ahead to like do all my research all my planning for the project I presented already all she said was okay good


like there was no feedback given, there was no like constructive feedback given, then when I got my results back I got like a bad bad a very bad grade, and I feel like I just feel like she she wasn't doing her job as a lecturer because


she never give me any feedback she never tell me what's wrong she just give me, false encouragement, false like affirmation ya then, as the student of course I trust my lecturer lah I she say okay good then okay lah, but the results says otherwise so I just felt betrayed in a sense


and , no matter how how much


people tell you like uh GPA doesn't matter, design is all about portfolio but for universities' standards normally we say GPA first so I feel like it wasn't very insightful when it comes to


there was there was a lot of like false, affirmations given in school, ya then I I felt I just feel that like as a I think in poly other than just lecturers some people are also very toxic and they're like you know poly people they are very mean to you like (hmm)


like it can be false affirmation also like competitiveness maybe like they want them to


to be the best that's why they don't want to teach you what


cheryl what makes you want to, your life


ya as sad as it seems, uh I feel like I want to be alive because I want to take care of my family being the, ya cause I'm a only child mah then like ya then my family members I got my grandmother living with us then my parents then I just feel like it is part of my responsibility to like


ya, , , that's nice


okay then uh, what


uh I think for me hello can you hear me, okay hello uh a skill and ability that I secretly proud of having is I think uh !wah! skill or ability I mean sorry can you can you talk about yours first


oh ya that time you build your three D model, ya for like for example I can't do three D model for shit


true everyone has their own, thank you I think I think a skill that I'm secretly proud of having is uh being able to communicate people with with different kinds of people so I'm a kind of person who like


during orientation right I'm the one who, kind of like, approach everyone and just like, talk to them about their life, ah ya I was, so I think it's it's a skill that I think is very valuable to me cause I can talk to different people I can talk to like clients if I have to and like just make it very chill


ya I do, certain extent okay,


ya then can you uh describe err a time when you blushed the most, blush maybe I share I share mine first


I think for me I'm always a person like previously what I said like I can talk to a lot of people but I do not have a lot of close friends, so when I I think a few years ago around two or three years ago when I was in poly


a few of my friends helped to celebrate like secretly planned a surprise birthday party for me in front of like during an event that I planned, so there was around like, fifty people like fifty strangers that I've never met then


a few of my close friends we plan, this party together it's like an event in school then, celebrate my birthday on during the event that was like very, , very Paiseh cause a lot of people who I don't know then they just forced to celebrate their birthday my birthday with me


right ya ya !huh! , !huh!


that made you blush, oh no, LOL


I just quit my job recently actually I I quit my job around, a week ago one and half weeks ago, because I was unhappy with my job, ya, I was working alone for the longest time, and it's just me and my boss and you cannot really as as like


ya ya I'm working at koi now, ya I do I just feel like at koi everyone is like, equal so there are a lot of part-timers


and full-timers, none of them are like bosses, although we have like store managers but they do not like press you, press all that authority onto, you so I feel that everyone is very comfortable there and it's just a very enjoyable working environment ya


ya the clarke quay one


oh oh,


hopefully everything calms down and phase three and faster come back, what's the next question, ya at Manes'S house is it or


yes bubble tea finally it's not a had like you have to book with like a like delivery fee of like twenty dollars or something, uh what what's the next sorry think I a bit lag hello hello hello


hello hi, I'm back oh sorry I just restarted my call wait let let me try let me start my, my voice recording again uh


my my phone is okay, it's still going I think not click time one uh it's on how ah


okay that's right, okay can continue now, uh celebrated father's day ah, uh


ya that's why it puts a lot of pressure on me actually , but uh, I didn't really celebrate father's oh we played Mahjong as a family, uh not really okay lah uh it's just a leisure activity for the whole family cause my family just nice got four people


then , we've been playing Mahjong every week since, the CB period started, so father's day, we, played Mahjong also but it wasn't very, it wasn't very special so I


I actually printed, some pictures of like us as a family to give my dad because for the longest, ya, thank you cause for the longest time right he had this, picture of us in his wallet


but it was so long ago it was like what, I think fifteen years ago when I was just a kid everyone was so young, so I think of just updating, picture ya that was my father's day present for my dad then how about you


oh


netflix oh then your father your, your father also going to watch, netflix ah


ah I see, oh okay, ah that's cute


!huh! can you repeat, ya actually of course


ya finally after like three, two months two to three months long of just video calls actually the first day is just I went to his house because he is he was on uh what you call ah stick like cause he he's moving to a new place like new camp so he had to isolate himself for two weeks at home


it's like minimum contact so I just, I just went to his house and we just both do work together, lor it's just a very chill day, ya


favourite activity, ya I think we watch a lot of we tend to watch a lot of shows together, so like think the the first, show we watched together was, vampire diaries but it was it's


so damn, long it's like so many seasons I don't know man, I I I give up already , stop watching


how about you


but you know now there's like this, that a software called the, netflix party !huh! what what hacking netflix party


the extension a chrome extension, ya ya ya


!huh! really you all still so close


you all so cute I do but, uh not very, often because my friends and I are just very, on a very different path like some of us, unemployed some of us starting


and like different people studying like different subjects like major so like, we have all have different schedules so it's very difficult, for us to plan a time to meet but if we when we do we which is like one or once or twice only lah we


like what you said lor we really plan a time and everyone's gets excited but we plan a time like one to two, weeks beforehand like, it's it's damn smart you know some last time ya like last time you have to play ya then it will lag


then we will just like eh you see which which second you at ah which scene you at, that kind but ya it's just a very good invention (mmhmm)


what is your favourite activity, to do when you want to like relax


!huh! really


!wah! dyson


adulting


I see, I think a lot of like unwind and


relaxing can still do it alone somehow just


I think taking a nap is very, ya I think for me I also like to do things alone when I want to relax uh sometimes sometimes I like to go cause I stay in Sengkang then I live near the park connector just like near the waters you know then park that is very it's just very calming to go there and just like maybe run


maybe take a walk


hi I'm back, ya, definitely taiwan, cause I think I think


okay firstly taiwan is I went I can speak their language like chinese right or like dialect I, don't know what it they called lah like hokkien or something <mandarin>闽南语:min nan yu</mandarin> ya like kind ah, ya like can understand but cannot speak but uh at least can communicate with everyone you know chinese


so I think it's very convenient and also like taiwan food is the best lah like all the <mandarin>夜市:ye shi</mandarin> and night markets and stuff ya the nice food is all the is all there how about you


korea


[oh] that's nice


prompt one out of four


K , so I have to ask him the question right, okay so


I have a savings account so it's my personal savings account, I have uh , it's POSB and, uh and I have a POSB and OCBC account and I chose to put to use my POSB account for my personal use and OCBC for my savings account


uh


uh I don't have a fixed deposit or a high yield account but I know my my parents do and they have it under standard chartered so uh they have this scheme where you put in about hundred thousand or two hundred thousand and then you can get higher interest


and then you can just let it roll in the account and then you can get like more money in a sense, yeah


I have a debit card but I do not have a credit card because I do not have an income because I'm still a student and uh I'm not sure whether I can pay off my debts if I have a credit card but I have a


passion card, debit card you know the passion card and debit card combined uh ya I have it under POSB and like what I said just now it was like for my personal use lor


yeah, what about you


then since, I'm sorry


okay , what's your experience of purchasing insurance products from bank


ya I think mine is uh similar to yours like my experience so uh when I was younger a bit younger like sixteen, I followed my dad to purchase insurance from POSB and it's the five year you put in money then five years you can let it let the money roll and then after five years you can take out the money


so think this insurance plan also covers like health insurance if I'm not wrong not quite sure so like in case of something happening


insurance company can cover it for you like ya, and then, so far no cause I I think, like cause I'm younger so I I don't tend to I'm I'm very healthy so


that's not use yet, (mmhmm) my parents has their own insurance plans policy and I don't think so far so far I don't think we use it yet, yeah


no I have not because I feel like I have very little knowledge on investment products and I don't think I have a lot of capital to also invest at the moment, ya so maybe in the future then I would ya what about you


, have you gotten any loans from the bank


ya me neither I you my parents use their CPA to pay off the my school fees like in poly and uni so we've not taken up any loans so far not that I know of


yeah, I think couple I I think it depends on a couple and how long they've been in a relationship for like if they feel like they are ready to commit into opening a joint account then sure why not


but if like you only know a person for so little time and then like what if you all break up and then how you gonna split the money uh cancel the joint account you know I've not have any experience of join joining my account with someone


but I I just imagine that happening lah, yeah what about you


so separate accounts lah,


okay and, if let say you have a child at what age you like let them have their own account


(mmhmm), I got my first card when I was primary six I think like twelve years old ya uh so my mum I think it was minimum age to get to get a card


so my mum like brought me to the bank and and then we just sign the card and I think mainly the money inside the kids saving account the POSB kids saving account, to put my chinese new year money like to keep it inside and then ya then I just carry along like my card and I don't think I've at that young age I've used it for anything


but if I had a child I would probably let them get uh their first card at thirteen or fourteen not twelve okay twelve I think still a bit young, ya for me like because we have to sign either we choose the signature or fingerprint right so uh I choose sign and then as I grow older I realise that I didn't like the signature then I wanted to change it cause it's too like complicated


then I had to like go through a whole procedure again to change the signature which was very like troublesome lah and I feel like maybe once they're a bit older then maybe they can like, think about the signature or like getting an uh savings account


yeah of their own


yeah


uh my mum also ,


ya ya okay so


like some people say that bank interest are very unattractive cause they feel like while others they feel that their money is safe and accessible in banks so what would you think where would you save your money like in a bank or invest it it's elsewhere


uh I do agree that banks have really unattractive interest rates like it can go up to like very little and for me I don't have an income I don't earn a lot


so every month I just earn like ten cent interest twenty cent interest and to me is like very little lah which makes me consider investing my money somewhere else like uh let say a savings plan under uh insurance company


but apparently I heard that that's not very safe to do so, I'm not quite sure about about it lah so even like for me personally I do feel that banks are safer but I can't expect much from the interest rates so I think that's something to take note when


like you're thinking about putting money somewhere like you can't expect too much interest rates from banks unless unless like what you said you have a lot of money ah then you can put in more and then let the money roll then you can get back more money, so ya


(ppl)


, prompt three out of four


okay so, what's frustrates me , I need to think about this I think what frustrates me is when people can't understand me or like can't understand my feelings


, I think for me communications very important so it gets frustrating when someone like doesn't really understand, or when , something doesn't go the way I want it to be in a sense like although I'm I I feel like I'm very easy going person but when important things tend to not happen the way it supposed to be it kinda gets very frustrating as well


worst thing that I've witnessed, I don't, can't think of anything now do you want to start first


, I think for me I think it's not something that I've witnessed but uh experienced it's not like crazy or anything lah but , it's probably when people uh


bully me or say things about me or something happening in public like oh no okay I remember so there was this one time I was on the bus and then this secondary school girl


she was coming down from the top deck of the bus and apparently I think she got like molested and , the I think someone told the bus driver a witness told the bus driver that oh she got molested and then the guy was like running out of the bus he was trying to run away so


I kept quiet about it I wasn't sure what I was supposed to say but I was just standing there and like witnessing the whole thing, it's quite bad on my end now that I'm thinking about it but I think other people were there also to help her and like call the police and it's quite sad that these kind of things are happening in singapore


like all these girls getting raped or like molested ya


, and it's good


, okay I wouldn't say this is from a movie but I have been scrolling on social media like twitter and recently I've been seeing a lot of videos on uh the black people in america getting uh like oppressed and like


uh getting killed by white cops, , I saw the video on this american police putting his knee on the the guy's neck, and I was watching it and I was so angry because I couldn't do anything about it and I was just very frustrated in a sense cause


I wasn't there and like, the people around him were trying to help him, but they couldn't do anything about it, and it's just very unfortunate that, he passed on and I watched it happen


so yeah that's something that's a scene or video that I watched that really made me very angry, yeah


, I think probably when my friends tell me about their, like horrible experiences that happen to them and then I feel like I can't do anything I can't help her cause she has to do things by herself and


or like sometimes, , I don't know there are somethings that, they have to do themselves and you can't do anything about it about it, so like a lot of times that happens and I just feel like


horrible cause I want to help them but I cannot, yeah


you know in Bangkok there are some child beggars


and then uh some of them actually like got taken away from their family some lah and then they're used to beg for money or like earn money and then they can't keep any of it and it's very sad to see also


yeah, yeah


(mmhmm), very sad right then you can't do anything to help them , yeah okay so what is your greatest fear


yeah I think I also have the same fear I would say I'm also very scared of, in general I'm very scared of failure, and other than my fear of heights or roller coasters I think like not being able to


uh do what is as promised or not being able to , find a job also there's also a fear that I face cause everyone is also fighting for jobs and when we grow up you know and it's very hard to find a job that you actually like and have like ample like work


life balance as well and cause we're living in singapore so, I think it's also quite hard to find work life balance because of how competitive singaporeans can be, ya even in school you can see how competitive people can get


so ya that's my fear of failing or not being able to find a job, yeah


, probably when , so when I was younger I did a lot of organising events and I organised camps so


there was this one time where I was the camp facilitator so eh not camp facilitator camp chief so I organised the whole thing with a team and


there was this one time where I supposed to do this campfire but everything that I needed weren't weren't there and I couldn't do anything about it and then I got so stressed out that I just broke down cause, everything that needed


to be right right at that point of time right, was not there and it was just going wrong everything was just going everywhere and I didn't have enough time to do a lot of things, so yeah that was probably that time where I faced where everything


could possibly go wrong did go wrong, ya


ya, actually it's not really fear of heights it's like fear of falling so I don't go on roller coasters at all I hate roller coasters and I don't think I have overcome my fear of falling


ya but I have, I used to have this tripophobia, thing ya I it started when I saw this like burnt uh chicken skin or something then got a lot of dot dot dot on the skin then uh


it started from there and then , I don't know what happened but it's slowly like just disappeared every time I have I see something with a lot a lot of dots a lot a lot of holes right my skin just gets like a lot of goosebumps and then I feel I feel a shiver down my spine leh that's how


that's the feeling of, tripophobia I don't know that's to me lah I think slowly it just started to disappear and I I've never seen a burnt chicken skin ever again so I hope it doesn't come back but yeah that's my phobia


uh


you cannot go australia, ,


ya, (ppl)


prompt two out of four,


I think my family and my friends they're other ones that like push me to stay alive I don't know I guess also the fact that I want a more complete life in a sense like I want to experience everything


uh experience travelling having my own family and uh just growing old with people I want to experience that also ya and like experiencing life in general ya what about you


(hmm), yeah, !wah!


yeah , uh I don't think I have a skill or ability that I'm proud of having, not that I know of


maybe my people skills, ya like I can, I can sense people's emotions or like you know some people have very low EQ like they don't like when people say something and then they feel affected by it but then they don't know like that they are affected but then they still continue talking and saying like things that might hurt other people


I think for me I I can I'm I think I'm a very people person so, I can really like detect people's emotions and I'm also pretty good at expressing my emotions as well so I think that's a skill that uh I'm proud of having


yeah, what about you


uh,


ya I think I'm I'm like that too like I tend to choose the people I want hang out with, ya, so when did you blush the most describe the experience


(hmm), yeah


(mmhmm), , physically blushed would probably be like when I run when I go jog and then like I just like like my cheeks get very red ya like physically blush ya but uh


that's like


ya that that's the first thing that came like pop out in my head lah or or probably cause like an experience when I get embarrassed I think that's also when I will blushed cause like you know so Paiseh then like you very embarrassed lah that something happened I can't remember what but


ya maybe like I fart somewhere I don't know ya ya so what's your favourite ah, , I think for me is to uh netflix like to watch netflix ya I especially love korean drama and ya that's probably something that I love to do or like youtube


I really love youtube I feel like you can see different types of people online and like what they do and all the drama ya and recently I have been watching this couple


so they the the reason why they making videos is to make , to create awareness on the deaf and hearing uh couples, ya so basically they do okay the boyfriend is deaf and then the girl is hearing so they are a couple and they live together and then they make videos on how the outside people treat this like deaf guy like some


ya, ya the drive through video and then the person the person serving the food lah he was quite bad to this deaf guy lah they threw away the food ya ya they thought he was like faking it and it's quite hurtful lah to see this kind of thing happening and that


ya and I don't think the deaf community like the awareness is a lot to like people who are hearing and I think it's like, a very good very good content that they are making because they will help spread awareness and it will also tell people the importance of learning uh signs hand signals what is it called ASL


yeah ya sign language so, ya I think that's very that's something I like to watch lah on youtube ya


your hobby ah,


uh


I don't think I ever had that kind of moment that I made a come back I've never really like done anything that, made people like shocked, cause I've just always been like this


so maybe you can share something


(mmhmm)


ya, , uh, so


what is your best surprise uh, yeah, okay I start first uh I've probably think my twentieth birthday, so I my friends were like very sweet they planned something for me and it was very memorable cause I don't think anyone has like really


surprised me like that in a sense like they just tell me to like oh uh keep the day free and then we're going out you know that kind of thing ya and then, they told me to go to one of my friends' house for like for awhile so I went to my friend house I got ready and then uh after that she brought me out and then she blindfolded me and then we were I was in a cab and I was blindfolded all the way until we reached the place I was very confused cause we were at the marina


the harborfront the ship area then ya my friends planned like this like uh setup they setup their the table and then they put cake and everything and all my friends were there and then it was just very like


heartwarming lah I felt very loved and I guess that was like my best surprise, cause uh everyone I loved was there and then I was like very shocked cause I didn't know so many people would make it there and so many people like actually care enough to come and wish me happy birthday so ya what about you


ya it's very nice , so despite the ongoing global uncertainty what makes you optimistic about the future


, uh for me I feel that , the future is going to change like you look at us ten years ago when we maybe not ten years ago a few years ago we experienced SARS when I was pretty young and we managed to go through that like really fast although the virus has like


evolved but we also has evolved so I believe that even though COVID nineteen is like a pandemic and everything and we are still going through it and everyone's is a very trying times ah so


I feel that no matter what our healthcare will also improve and like at the looks of it I pretty sure it's doing very well also like ya in terms of healthcare and even though we don't have a vaccine we still managed to keep the numbers low


with the help of like everyone else and I think that what's makes me like optimistic like even though there is like this kind of thing happening we're we are still not like broke you know our country is still not


falling apart unlike other countries like the US ya I feel that singapore is really doing very well, uh ya, so


, travelling experience probably when I went to korea and australia so I think I think korea is really really a nice place and I already said like just now lah I really love korean drama so


everything I've seen like come to life and it's just like very amazing to see like their culture coming to life as well and like experiencing their food cause their food is amazing


and, ya


prompt one or four


uh


okay so for me I I have two savings account too one with POSB and one with frank OCBC


so I put money in I put my savings mainly in the OCBC account and my spendings account is my POSB account so to share my experience I feel that the reason why I put my savings in the OCBC account is because of the rates that


uh that they give for every month it's actually higher than the POSB one so hence I would spend on the POSB instead, so uh, I don't, choose to put my money


elsewhere like uh at home or like uh with my mum sort of because I think putting the money in the bank actually uh, gives us a return you know even if it's a dollar uh two dollars it's still uh money


so what about you do you have a high yield bank account or a fixed deposit


for me I actually have uh a fixed deposit and also uh actually I think both is fixed deposit, so what happens is we put a sum inside so for three years uh every year you will get an interest and this interest is actually compounded so it's different every year another one is


insurance actually it was with the bank and then the bank recommended us a insurance plan, ya which I will talk about it more later on, uh do you have any debit or credit card


ya ya, uh, I I have both uh I have both a credit card and debit card so uh like I said I have a debit card with POSB DBS and OCBC frank and I also have a DBS live fresh card


so the DBS live fresh credit card uh actually has quite a lot of benefits when I first applied but currently I think they have even more so when I first applied there was cashback about five to ten percent cashback depending on our spendings


uh and there was also complimentary entry to zouk ya but I didn't manage to use it cause I don't really go to uh zouk and for the five to ten percent cashback I think it was really very good


like especially when I have spendings like about, in a month maybe about three or four hundred so ten percent is quite a lot in my opinion, so cashback, yeah cashback is ya I think cashback is good lah worth it


ya so I mentioned just now about the insurance product it was during the


SG fifty so it was during the SG fifty period uh we went to the bank to find for a suitable fixed deposit to put our money in my mum and I, and they actually recommended us a different plan which is to put our money with prudential for five years


so we ended up putting our money with prudential for five years but during this five years they don't have any interest, ya to be taken out per year uh it's actually a lump sum to be taken out at the end of five years and it's up to us if you want to continue and if you want to continue it's gonna be another five which makes it ten years


ya so I find that this kind of insurance plan , can I how do I put it, the returns are high but you don't get to see you know within this five to ten years so it it feels like uh I put the money there then you just kind of forget about it then at the end of the five ten years you like oh look like you get so much more


so it's quite interesting ,


(mmhmm), so have you all actually used any of the health insurance


what about your parents


alright, , so have you actually like purchased any investment products from the banks


I think that you know purchasing the, the investment plan, eh uh the insurance plan is kind of like an investment product in my opinion because when we were there we actually asked the accountant like if this is hundred percent safe


so he actually mentioned that uh although it can generate a very high return at the same time it's not very safe also you know uh like, it can they can promise eighty percent but twenty percent uncertainty ya so I think that's the only investment product that I've gotten from the bank


, oh uh, I've not been to uni so I've not gotten any loans from the bank uh to loan for any car house fortunately my house is fully paid already uh so ya


I've not gotten any loans,


I think this quite interesting do you think couples should combine their financials, and open a joint account their finances and open a joint account


ah


so actually so actually I feel that I don't think a joint account is necessary unless you're like getting a house already like planning to get a house and also I feel that , it's better if let's say if the husband goes out to work or the wife goes out to work uh


they give allowances, so you know gender equality so it doesn't matter if the husband gives or the wife gives so it's better to give allowances to the other party and then you know from there they can actually consider it as their own money ya


yeah so I feel that having separate accounts would be better,


yeah, okay this quite interesting also I feel that, because I think I think I received my first card when I was in sec, two secondary two so I was fourteen if I'm not wrong I found it a huge found it as like a huge responsibility already like oh man now I have my own card then now what I have money inside what do I do with it


, I would think the best age to give, the card would be around fourteen to fifteen at that age that I received it because at that point of the time they would already know what they would want to spend on and also I feel that bringing a large amount of cash out


wouldn't be good for a student, uh especially like you know when they wanna hang out with their friends after school they cannot be bringing like twenty dollars thirty dollars with them and then you know uh their friends would be like oh eh you got money you know wanna treat us that kind of thing yeah I feel that bringing a card


at least you know they can't see your amount and you can have more savings inside so let's say if on that week itself uh you cannot spend finish your allowance save the money so learn how to save from a young age so from there actually you know uh you can be able to have


like a better mindset in the future uh telling yourself okay saving money is good saving money is good yeah what about you what age do you think


(ppc), oh ya


uh


yes speaking of which the thumbprint thing right I think I think at my age when I first got my card, I uh I think it was a joint eh no wait, I think it was a joint account or children's account uh when I was getting it and we did thumbprint also because they were asking for my signature I was like what signature I didn't know how to do that at that point I didn't wanna you know sign and regret


in the future and also they like like you know on the passport at the back of your cover they also ask you to sign ya so it's about the same thing like you know you you don't have your like so called identity yet so you can't really go and sign it


on ya and also speaking of which the uh chinese new year money, I think my mum had that concept too, ya my mum had that concept to actually, uh you know give me bank account so that I can deposit the money in there


uh my card was kept by her for a while, then when I started getting my card I started spending the money but she had my bank book, so she could see what I spent on


ya so I think ya it was, I get scolding every week because I spent too much ya so I think, I think you know about like fifteen fifteen sixteen I change changed my age fifteen sixteen where they are a little bit more responsible with their spending or like they are able to uh have a better thought process then to give it to them


okay so, I don't know if you you knew but recently DBS had a problem, with their transferring or their wiring of money uh and I was I was facing the problem also uh basically I did a transfer from my DBS over to my OCBC account and then from my OCBC back to my DBS


to see if like I'm facing the problem too, and, shockingly when I went to check my DBS the money wasn't in there so I was panicking I was really panicking like saying like oh man I shouldn't trust banks anymore you know my money is gone how what do I do now so like


I was panic calling I was calling DBS you know waiting on the hotline saying and they were saying that oh they're receiving high volumes of caller because of their problem because of their issues and then I was just waiting and waiting once they got on the phone I was like eh


what's wrong with what's wrong with the bank you know like, you are a very big name you know and you are everywhere in singapore and yet you let this kind of issue happened do you think like you should do something about it then I said where is my money now is it even transferred so


the first answer, she gave me was oh uh I don't see a transfer, from any account into this account I was I was like what then where is my money then after about a minute later after she checked then she realised uh she say ya uh my technical team say that there is actually a transfer


uh so you have just to wait, so going back to the topic about the interest rate I think bank's interest rate, is good if you have a high amount of uh deposits in there


but other than that it's better to put your money you know if you want to invest put your money in like mentioned insurance uh if you have more money then, maybe do something about it maybe a small business also I think it will be better that way


what about you


speaking of which right cause DBS is my spending account so right now you know since we reach adulthood already they have this thing at the end of the month if you don't have five hundred dollars inside they will deduct two dollars service charge


(ppo), it's quite bad


, okay prompt three of four, so what frustrates you you know in life, ah


I think what frustrates me is the fact that when people try to test my patience like for me I feel that uh my patience level is really very high so I'm actually a quite patient person, but there will always be people trying to push the limit so for example


I I did a name change, just about I think two years or three years ago, and people that know me before my name changed, are still trying to you know be funny and call me by my old name which I already mentioned that I don't really like it because uh the name was given to me when I was young


very how to say very abruptly you know I think, uh my parents didn't really think about it that's why hence the names the name changed about a few years ago but people are trying to test it and calling me by my old name which really


like kind of pushes me I already like I mentioned I told them you know stop calling by my old name I don't think it's nice, and also , my mum is chinese speaking


so a lot of times, I would have to translate, things for her, so what frustrates me it uh it's not like I don't want to help her it's the fact that


she could learn learn english by herself but yet she chose to give up, so I don't really I think it frustrates me a lot because she she has this mentality that because I'm around I can help her therefore she doesn't need to uh pick up a new skill or a language


before that uh she already got the chance even when I was young so at that point of time I couldn't really help her yet but right now, she's just relying on it relying on me yeah, so what the worst thing you witnessed and kept quiet about


okay uh so in secondary school


I actually witnessed a fight, ya these two kids were fighting with each other and yet I just chose to ignore it that was one another one was uh, where my father got swindled


he had a friend that told him to invest uh five hundred thousand if I'm not wrong five hundred thousand or seven hundred thousand I can't remember uh into into his friend uh and they will open a pub together


and, like he mentioned like the friend mentioned the pub was opened but it only lasted for a week so my father went back, it was gone, but at that point of time my dad actually


, embezzled money from the company, and I couldn't say anything because at that point of time I was still young, and


all I could do was just keep quiet and watch it happen, ya


uh


, ya but anyway uh after that like uh, my father's story so after the after the embezzlement uh he actually got caught by the company and was declared bankrupt


ya, and then, but fortunately he bounced back lah and found a manager role at a different company after that, yeah, so can you recall a scene from a movie that made you too angry to watch


(mmhmm) I think generally movies that makes me angry is when


like, when they have a character right, like there is a main role and a, the main character and the sub character so the main and the sub main, uh and they make the sub


stupid, I hate it I it it makes me very angry to watch when they actually make that person, like, not capable of doing anything so let's say let's say it's a spy movie okay so the main spy could be you know like like on stealth mode you know hiding at the wall


and then the sub main which I mentioned the the stupid one uh, will like walk out in the middle of nowhere I I think it's it's it's very angry for me to watch it because


why would you do that to a person, like why would you come out with a role like that it's in my opinion not funny it's very, irritating ya and I get angry and frustrated watching it


ya, so, describe a time when you are unable to help someone in need


uh, ya, for me is I think it happened when I was young when I went to Bangkok thailand


I was walking the streets and like they was so many homeless people sleeping on the streets, there were really a lot of them and they were so dirty and the places that they were sleeping on were so uncomfortable you could see it but yet they were living in that condition and I feel that


like I was so helpless also like even if I want to do something what can I do, I cannot impact them it will just be something minimal like get them food get them drinks that's all


like what they really need is a place to stay a nice shower a hair cut, but I couldn't do it


, yeah speaking of which that time I went to Batam like in the car when the car stops at red light there will be kids knocking on the window asking people to buy tissue


ya so it's really like you're unable to help that person in need is very I just cannot can't be described feeling, ya ya


greatest fear, I think my greatest fear right now is not being able to, support the family on my own or the fact that, I'm so uncertain about how adulthood is you know like we've been growing up in a society whereby instructions are always given to us or like uh what to do how to do it


basically we've been following people or following, role models you know we we have something to follow but, once you go into adulthood there's no one for you to follow you are the one leading now


you someone has to follow you you are the one leading your life you know into this adulthood and, you don't know where to start because now it's not like you know building an IKEA shelf you don't have like a instruction a manual starting from step one to step ten no such thing anymore it's just you


going forward thinking of what's your next step on your own so I think that that gives me , fear you know that fear of, not being able to succeed or not being able do well in the future because how uncertain things are


what about you,


alright


uh, right, right,


uh, uh


that's true can you describe a time right when everything that could possibly go wrong, went wrong


, uh


for me is when I was in my poly uh and I was asked to chose to choose a six month internship


so, instead of you know following the usual companies that the school gave I went my I went to go and source my own company


so when I sourced this company, I heard that, oh don't come here it's bad, the boss is bad, he has a temper he has anger management


and I didn't believe it, because when I met him he spoke nicely he's very nice person, he was concerned about me, he showed care empathy empathised with me yup


and I started working there, within that six months, I got, kicked out from the restaurant, three times, he basically sacked me three times


and he told me uh I couldn't do this job well, he was always degrading me, uh there were times where he tell me I was dumb, there were times he tell me that, uh, I couldn't do it


, so I think that six months really gave me, , it took a toll on my mental health, for sure


ya even when I reported it to my lecturers I couldn't they couldn't do anything they said that oh you're not allowed to change your internship anymore because you're already here for about a month or two already, I plead and beg but it didn't work so


in the beginning I was told it would go wrong and it actually went wrong, ya, so do you have any phobias, or you mentioned your fear of heights right so how do you overcome it


okay


oh, okay


uh, uh, ,


ya, phobia, I think generally, my phobia for I don't really have a phobia but I'm just like scared of it like big bugs


huge spiders or big beetles anything that is like, not regular size insect that is not regular size is scary


oh man ya but anyway I think I think it's a, it's a very big fear for me specially when you can hear its wing you know like that kind of sound, super scary


prompt two of four, so what makes you want to be alive, at this point


I think what makes me want to be alive right now is the fact that you know since young we've been brought up by our parents and they been spending so much on us blood sweat tears and I want to be able to give back to them


like since they are still alive and kicking I just want be able to you know provide them with what they provided us especially during their time you know they don't get that much luxury as we do right now like basically


since young we've been very fortunate like we being spoon fed by them you know they've been giving us everything the best, for us or like the best that they think, is for us what is good for us so I want to be able to give back to them and you know see them happy telling them that eh you know what now it's my turn to give you allowance instead of them giving me an allowance I wanna I wanna feel that satisfaction


and also for my friends also as you mentioned like for friends sometimes you know they like unspoken heroes also uh, I feel that


the true friends right are like those that even when you are not around behind your back they defend you, ah those are the friends that I wanna live for you know I want to be able to like no ah he's not that kind of person you know uh he's very nice and then like when we grow old we can go out together and then like


oh come today I treat you today tomorrow you treat me that kind like it's very fun life you know travel together oh man that will be the best yeah like imagine all of us getting old


then going on a one month cruise trip and then and then doing some ya you know like what old people do , so what is a skill or ability that you are like secretly proud of having


, not really don't have, oh


alright


alright, (mmhmm), okay


okay, I think for me for me is, I'd like to say my speaking skills, because uh for the longest time I've been wanting to be a speaker but I feel like in order for me to realise that dream I have to be successful or


to fill in something that I did or do before and I think that, I would only be able to take that step after I've completed my NS my national service and right now I haven't I haven't been through you know my two years


of torture , ya and, speaking skills and also, I think I sing quite well ya singing skills and also


I think people skills, I get along with people quite well but I very picky, with the people I hang out with, so I tend to like nitpick the people that I think like you know is worthy to be friends like a dog you know sniffing out the right place to uh you know do my small business ya


(mmhmm), ya


when did I blush the most, oh man I I can't, as a guy, I can't really remember when I blushed


but to speak from an experience of let's says I don't think it's blushing but it's more like a like a excitement or like a like a feeling that I cannot describe like butterflies, uh would be when I performed


in front of a crowd uh during one of our uh, during one of my polytechnic projects ya for one of my school mates so we actually had a like I I actually sang in front of a crowd and I think that was a


that was a Wowee moment because uh I was singing never enough uh by the it's it's a song on the greatest showman and everybody lit up their phone camera flashlights and they were like going like that and then they were like singing along to it I was like !wah!


you know the feeling , ya, that butterflies feeling like, like you don't dare to do it but yet you are doing it yeah what about you


, that's that's literally that's that's you mean that literally, uh


oh when like a guy that, ah, right


uh, , right right right, , so what's your favourite activity


what's your favourite activity to wind to unwind and relax, ah, !oo!


right


oh hand signs


I think I've seen it before there was this drive through, ya, he didn't believe right he didn't believe that he was deaf


uh, ya I've seen short clip of it


uh, sign language sign language, , okay so for me I think I have, three


so first one is either going to the gym working out you know sweat buckets perspire buckets and like just, boom knock out right after it another one is I love to watch the korean running man


super enjoy it uh I think it's the funniest thing I think they have the funniest cast, and I think they should continue for another ten more years or fifty or as long as they can, and the last one is I love to collect whiskies


okay so uh whiskies is like a passion to me and whenever I purchase it it's also like a retail therapy so when I receive my bottles, I'm like ah you know like finally it's here then I appreciate the whisky you know appreciate the labels appreciate the notes on it and


!wah! I just enjoy it a lot it's like a it's like a, !wah! it's like activity to look forward to whenever you get to uh open a new bottle and try it oh ya


so describe a time when you made a comeback that shut everybody up, like you like look at me now what you gotta say about that


I think, I think was when I went from secondary school to ITE, so when I went to ITE everybody around me like my family my aunt especially didn't believe in me anymore like oh you know this guy is rotten like he cannot do well in life anymore


but when I got into ITE I had a lot of motivation because of that because of that like (hmm), demoralising ways that she had on me, I started studying very hard and, I did well


in the end of my two years, I got top twenty five percent in my whole cohort and, there was so much benefits like I went to competitions you know win competitions uh they invite me over to be emcee


there was a lot of perks also bursaries you know awards with money ya, so I think that was my proudest moment, even though you know they said ITE is like a very bad place


last time right now I don't think anyone should have mentality that ITE is a bad place they actually gave super a lot of opportunity to their students it's whether the students are willing up to take it up or not, uh


what's your best surprise, me or you you first you first, yes


, oh okay ya ya, okay


okay, uh


right, (mmhmm), right


I think I think since you already talked about like group of friends or like birthday, so I will talk about I'll talk about something else instead uh it's actually this friend of mine uh that does investment so he has his own investment with stocks uh


basically he's doing his own investment uh since the age of, twenty two I think uh recently uh he actually invited me out uh during phase two saying that oh you know he earned a lot of money and like he don't know where to spend


so he brought me to louis vutton and he bought me a a new louis vutton clutch yeah and it was very expensive so I was very grateful for it so I think it's one of the surprises that I was like really shocked that really shocked me because I didn't expect a friend to spend that much


ya and after that he actually just said that oh he's you know what like we should just invest more in our friends you know it's for the friendship ya, very nice of him,


, I think, no matter how down


we go there will always be an up, so, right now we might be looking at the all time low, but of course when we bounce back we gonna bounce back twice as hard because uh right now due to this COVID nineteen uh situation we know that the economy is bad we know that right now the retrenchment rate retrenchment rate is quite high


uh although uh we had a speech from #lee hsien loong# yesterday saying that the rate was quite uh kept low because of their government subsidies which they took out about hundred billion from their reserves, I think no matter how low we look at it right


it was still continue going but of course from then on, things will bounce back, so those retrenched, will be given a new opportunity again and for those that are rising up


will also give or be given opportunities depending on what they do you know employees employers ya, so that's what makes me optimistic with the future I think that you know we will still be able to bounce back


, (mmhmm)


right, ya


so can can you describe a travelling experience that left you in awe


then yup, okay


okay so I just okay, so what's one financial advice that you will give the you five years ago, ya you go ahead first


(hmm)


I think mine would be probably quite similar lah, same also cause my household was always, being brought on the idea that saving is the most important, like is there is so so it's drilled down from young like you should never buy by impulsive even in school they teach you like you know you should always plan ahead before spending on things that you want


and not neglect things that you need, so ya how probably I should have known that, although saving is good I shouldn't be afraid to spend as well like because what I did in the past was I just


you know I just blindly save save save save save and even if I want to save I will just put a stash of money in some account then I will forget about it so I guess that's a bit of even though I'm saving I'm still kind of like not going anywhere, so I should have like ventured out and


actually like have a plan of instead of like eh maybe there's something I really want, and I shouldn't have just like oh since it's a want, I will just like totally shun it I mean once awhile wants are okay you know like as like the latest gadget or you know some some product that you wanted but ya how some sometimes like


don't don't save without a concrete plan ah that's what I would have told myself, but then again how have you actually like, acted on the advice that you gave yourself five years ago, so far


uh,


they only told us the basic correct like just, actually what did they teach when you were in school can't really remember mine nothing right I think both of us were parents ah


(hmm), I'd say, I'll probably get a financial adviser if I'm planning to make like a big investment or big purchase because as as of now my financial literacy is not that great I mean as as what we spoke lah they we weren't really taught this in school


and also because they are like since they know more about the financial industry more than us they can provide like a, a road map in a sense so they can kind of guide us like even they are showing the path but ultimately it's up to us to make decision but I think that's still great compared to DIYing it cause there's probably a lot of like unwritten laws you may not know or


some like do's and don'ts like to a beginner you probably wouldn't see so I guess depends on the situation, but you rather DIY it probably


!woo! adviser ya,


(mmhmm), ya naturally they would ya definitely those those are like common companies ah


, but then again, how how much of a financial adviser do you think you will use,


oh okay, is it do you know any of your friends who use like financial advisor's, not really right, not really, (mmhmm)


, ya like recently I was trying to look at because like what you mention right I just didn't wanna blindly save right cause they're looking at all those uh cause there's so many there's many different banks now like DBS is just very you know it's over the you know every time when you watch go the cinema they always play the DBS multiplier ad


yeah about the rabbit you know they're like the their their high interest rates but then certain a lot of this like did I didn't realise a lot of these accounts had like a lot of prerequisites you have to hit the obviously you like salary credit you know things like that like you have to hit a certain spending


uh spending amount which is it it it can be hard for us ah with our age group, it's not really easy to meet , , ya especially for like so actually when you actually filter it down there's not really much like for our our set of age group where we're not really have a stable job yet like fresh let's say fresh out of poly right there's not really much accounts that really offer uh saving accounts with a decent


interest rate with like example no salary credit required ya, , ya man I did not I had no idea because all I thought was I just put my money in just park it there


and then will just grow exponentially , , , ya especially with this times now inflation is probably gonna


be over here for a long time with the current situation alright but are you currently using a financial adviser now, no right, , insurance only right


only for insurance ah alright, ya


uh so when it comes to cash flow okay as let's say I don't really have a a solid rule per se but a general generally I try to keep I'll what I'll do is I'll save up like eighty percent of my salary


ya I I try to just stash it so I I don't touch that money and that twenty percent I just mainly use for, uh the bills insurance and I can squeeze in food and transport there, ya


it's still I'm pretty cause my whole mindset even until now it's just like save save save cause I don't really have anything I really want to spend on, yeah especially when, cause I'm planning to study also my my whole priority is like and all the wants I all the stuff I really wanna get I'll just hold them like it's a temptation you know


to spend yeah so you just uh have to have the self discipline to tell yourself that like yeah correct so that's why I'm just in fact sometimes, can say like I save like eighty to ninety percent ya because to me my priority is just


saving enough so I can study, ya so to me the the benefit of that is clearly outweighs, all the all my wants I'd say, you have a you have a a rule about cash flow also


ya, (mmhmm)


twenty percent that's quite generous, but how often do you keep to that , like consistently or


so your rule is kind of like uh it's not going to change anytime soon lah in a sense,


yup yup yup, ,


, but with with the ya sorry you're saying ya, (mmhmm) (mmhmm)