policy you actually cut uh pay more for the protection rather than a separate term policy itself because actually a term policy out there just to cover for death benefit is uh pretty cheap, so uh perhaps maybe I would say uh from my experience about two hundred three hundred dollar a year you can actually get cover for death benefit uh


rather than you actually pay for investments linked investment linked right initial stage ah is cheap but as you grow older ah as you grow older as you age right then the protection that required to cover this amount ah


uh is more expensive it actually eat into whatever you invest on so, uh not underinsured you the amount of insured is still the same but perhaps you will realise that you are


ah, paying more for a protection that actually don't cost so much if you buy a term because a term you can choose to have the same amount that you paid throughout maybe the next thirty to forty years and you don't have to worry about as you age the amount increases


like ah oh then what's your what is your reason


okay, I see the I I think I think that is good also lah at least uh, that's a more general practice for most people who actually


uh want to uh read read from the investment itself and not being uh so called uh being, charged overcharged for a protection ya, so uh what about do you think that CPF insurance coverage is enough for insurance coverage


I see I see so you personally you find that your uh the current CPF life itself


does not actually uh will not be sufficient even if you were to put a higher amount term monthly, uh so called provide by the CPF life is not sufficient is that what you worry about


uh from my personal perspective is perhaps I will up, I wouldn't say that CPF life actually uh payout very low, uh amount they deployed uh quite a quite a good amount as in returns but for CPF life uh some people might actually concerned with is perhaps you I mean the government has been actually every time changing their rules and regulation


you are not actually, kind of uh , really being uh covered, in the sense that you would not know that now is perhaps they say that at age sixty five you can start to draw your monthly sum


but you never know that, uh by the time our generation if they felt that our life expectancy is uh longer they might change sixty five to seventy ya so such things


are what people are concerned with because uh government has been keep changing uh our CPF uh the retirement sum as how they are going to manage it even though it's our own money but we don't have much of a say to to our CPF


money so we can only like ah just get ourself a outside protection just in case that if ya if we need money we still have it ya, news


ya I think I think uh ya ya perhaps also I I'm maybe I will say it's because uh the the inflation in singapore is quite high lah as in the the living expenses is quite high


uh some people like if you know that like maybe in the past we can use to have, like chicken rice for like two dollar one fifty but now is really not possible you see minimum is like three dollar, so uh if people do not have such insurance productive they unable to actually be able to keep track and fight with the inflation ya


so that is also one of the things that why people actually get uh investment they get uh insurance to fight against inflation so that they won't be like what you what you say [loh]


like have to be more frugal when comes to uh retirement and maybe even need to work longer and not able to retire, so uh basically now so far you have actually purchased this uh your insurance policy with your brother right would if it is not for your brother would you actually approach an agent or do you actually


prefer to uh so called uh do your own insurance planning that's mean you rather find it like online like for example like FWD where you can actually buy it online you would you prefer to


ya correct correct what about I mean some people actually quite skeptical or have bad experience with uh insurance agent how about you would you not worried that if you approach an agent out there you will be like kind of like get cheated


or like missell or oversell you something that you uh think that at the end of the day might not be what you need, because uh the reason why some people prefer uh planning their own insurance product because they believe that their own research maybe can uh get them what they exactly want rather than uh finding uh so called


agent out there are just wanna do their sales and may not really care about, how uh customer or how their clients feel


uh ya it's correct but the thing is uh sometimes if you meet a stranger out there you will never know so if in terms of that let's say if not buying for your from your brother would you not want to buy from a friend instead like at least you feel that can trust your friend


I see so


okay, okay okay can uh this what kind of insurance ah do you think are essential for uh people of your age now


health insurance ya definitely one of one of the thing that I think, think that I think that everyone uh even at the younger age as a baby health insurance is very important but what about like retirement plan do you do you think that is is important to around your age to start uh planning for retirement right


ya, ya (ugh), ya correct aside from this CPF life lah retirement is also one of the


plan that actually we need to rely on just in case uh we do not have to work until like uh six sixty five seventy we are able to retire


oh what's your desired retirement lifestyle, okay , I see I see okay uh oh I just want to


check with you for if you were to get insurance right I mean so far you only got from Prudential lah do you actually prefer to get your remaining insurance from Prudential itself or do you actually, uh or pick and choose what kind of product from different company that do you think that that means maybe endowment I find that Prudential give me better offer I would take Prudential then uh Manulife provide me better whole life plan I will take Manulife


or you just think that it's better easy to just get directly from one provider anything just go back to the provider you don't have to like, go through so many provider


because at the end of the day the benefit ya, I see I think ya everyone at the end of the day wants the the benefit from the product but ah I also do uh know that some


people actually prefer uh single provider for me is I personally think that as long as the products right uh provide me the best benefit right uh at the end of the day ah, honestly speaking uh you don't you don't really you don't really uh


really actually contact back the uh provider that much because even now you were to actually tried to contact provider you will realise that it's not that much of a hassle already because of the of the e-platform and stuff everything become digital it's quite


easy ya, so uh ya so for me also I don't mind getting different provider, uh whichever that provide me but of course I know that there are certain companies that actually handle a few different company one that one will of course be better lah you just actually need to get back to one agent to settle any issue


ya correct, okay , so if you look out for an insurance agent right what kind of question would you ask the insurance agent when getting an insurance policy


what kind of things you think that will matters, to your purchase


or as in the person is really there to work for a period of time and not like just to sell maybe for two three years and then after that quit their job


understand uh for me personally I would I would think that I would like like to know


the agent's character so perhaps uh, for me it's not so much of ask ah I would see through the conversation with, uh insurance agent how's the character is like I I personally don't like people who keep uh pushing or trying to uh sell me something I preferred a person to understand ah (hmm) my needs so perhaps today I won't buy from you but you never know


that the in the future next time I would have actually buy from you, ya so so ya for me that is that is like my uh phase lah I would like to see someone that is really uh sincere in understanding my needs


ya err let me see uh, what kind of percentage of your income do you actually spend on insurance, would you increase in the near future


I see I see ya ya I think that is good yes for me also I will


okay negative experience described a time when you felt trapped or helpless is there any


, ah oh


there are times that I sometimes feel that I have not done enough with my life uh like thirty so far this year, I felt that still have not achieve like underachieve in my life and


why do I feel trapped because I think that there are many things right and my age right now right, I'm owning too much to my uh family member, as in especially my parents and


helpless perhaps I would say that because I have not done enough for myself, I mean that many things that if I have given a choice to turn back time I would not have, stun it I would have like choose a different path so I mean that uh you know everyone there are things in life that they wants to do they want to fulfil I have also


but, I did not actually do it because uh I make a mistake in life ya so ya that's about it uh what are what are some of the hurtful words someone said to you that you wish to forget


so so okay like uh basically that particular words itself you will remember like like even until now or


I see uh, honestly speaking don't have because uh I'm someone who prefer to remember remember nice thing so I don't have really hurtful words but


I have a saddest thing I ever witness I have which is uh during the time when, uh my grandfather passed away so, I witnessed my dad uh like cried very


badly over it then this is something that I will never forget because I think that uh I can feel, his feeling when someone he close to leave him I cannot imagine if one day like my mom or my dad were to leave me I can always


uh tell myself like !haiya! it's not something that I can really uh, get over so soon ah if one day happen I I really hope that they live with me for another twenty to thirty years


ya, uh yes uh


there are times that, when you realise that you when you go when you travel to work that you are try to put up your best you try to uh like do everything to get acknowledgement or maybe to even get


a chance to be promoted but, at the end of the day right uh through the yearly appraisal, you realise that uh, your boss will tell you this is not good uh rather this is no good oh they tell you maybe you wouldn't even tell you this is not good they tell you everything is okay


but you, did your action or rather the response to your to result to your work never show that, should I actually doing a job that you deserve uh maybe a promotion a deserve for acknowledgement I even deserve to think that what you deserve to have


ya these are these are, times that I feel that nothing I do is like clean nah because I always wanted to be good to something or sometimes I'm really being nice to people


but sometimes people don't appreciate you see what about you,


uh when I was young lah when I was young uh when I was young that time uh I realise, that sometimes my friends are not very sincere to me then my mom are actually care more for my younger brother


and then my dad actually, care for more for my elder brother so these are times that I that this that when I feel very bad I feel very upset I felt that like actually nobody cares about me because


uh people only care about other people like and not, me so but okay the good thing is that now grow older there's no such feeling anymore, as I think this is also part of the result as uh the the bad experience that caused me to have a better growth ya ya I think more positively now


ya what was the saddest moment of your life


uh ya of course so I mentioned previously I made mistake in life so then there are one thing that perhaps


I would really want to change is I don't want to be in uh my current situation as in I don't want to be in financial stress, so so ya if I could change it I would not wants to uh


do what I have done uh again because, it would really make a very big difference, to what I'm currently doing right now as so as uh what I can do in the future as well so


ya I , I mean I who would want to actually repeat the same mistake again for sure, uh what's the most, traumatic incident you ever experienced in your life is there any


okay


so so you can't save a person end up you still needed to be save, it's


I see for for me for me it's a, I personally uh been through like the one like drowning in the swimming pool almost got drowned so uh I was uh in the


swimming pool with my friend I don't I don't really know how to swim but I think that, like its level water is not that bad like that means uh a level where I can still stand up on the swimming pool , but I did not know that I moved further uh to a deeper level so that's where I started to realise that I can't tread water


almost got drowned, and my friend was looking at me he he thought I was kidding so uh he was like laughing towards my direction I can see uh until he realised that I was really like almost got drowned then he start he started to he started to came over to save me


and ever since then uh I don't really dare to like, uh swim again because or uh rather have phobia with, uh chlorine water because uh I will never forget that how almost got drowned


to death ya ya that feeling very very sad, ya, have when every month


I do not have sufficient money to spend I feel stress ya really, I think that er, I mean for me is quite simple as long as I got money enough money to eat and all this is fine but there are certain months right


I felt that ah I do have sufficient money to spend, so that made me stress and that's also one of the reason why I put myself into a savings plan or force savings plan because I want ensure that maybe ah I do not have sufficient now but ten years down the road I will have sufficient


money, to like at least cover my losses or, stuff, ya, uh okay , what's the biggest thing holding you back from a goal uh do you have any goal


, so there's nothing ya, so there's nothing holding you back at this point of time to as your biggest goal lah


I see


that is true, so uh for me is, I used to have this goal that I really wanted to be an actor


so who uh uh what, actually holding me back is that I think that, for me this stream or rather this goal , uh it's not something that is very uh


realistic ah what's holding me back is definitely financial I do not have the affordability to uh to actually, uh not work not get a proper job and go do part time


acting and wait for calls to get me onto screen and stuff, so, so that is not something that I can afford to who actually wait or not something I can afford to uh to just do it without uh sufficient income ya but that's really something that I I always wanted to be


yup uh describe the time when things turn out not meeting your expectation


okay,


I see, uh, for me ah I think that uh perhaps is my expectation not towards work towards people sometimes


often I will I'll I will, believe certain people were actually uh have certain understanding towards me or have certain understanding , uh towards what I actually uh ask for but there are times that


you know you what you expect don't turn up to be that is where you feel a bit disappointed like when you realise that uh for example today you you travel all the way to a place to meet your friend okay


so you you expect your friend to like understand that eh actually you already travel all the way, there are like nearby the place ready uh but, at the end of the day he, like he even ask for like more he said that eh you ready travel here why not you actually come all the way to my house instead and not willing to step out of the house I got a bit disappointed because ah I'm doing it out of like goodwill to actually travel so far ya


okay uh so this is positive experience, uh, okay uh so, lindy can I ask you described a travel experience that left you in awe


ha


okay so for me ah I don't I think that I don't never have a like travel experience that left me in uh in awe before because uh I never like once uh, really hope to actually get into a certain place perhaps if one day I get to travel to europe that would be something that uh will give me or even japan ya that is more like country that I would want to travel to that will give me


maybe a experience that left me in awe because at the moment the places I've travel to east asia and, I I would say that nothing really special because uh is city area it's very much like in singapore at places like Bangkok taiwan hong kong all these is quite


similar to uh singapore ya perhaps uh I can share about the what's, the biggest reward that I ever receive after doing an awesome good deed I wouldn't say this is really an awesome good deed lah basically ah I found a phone uh in the toilet at in the


toilet of err orchard ion so uh I took up the phone and this person uh called the phone and so I answer uh no it's not ion sorry it's paragon so after that the person ask, me like how to actually uh get back the phone with me so I tell him that you can just come and pick up ah I'm still at orchard then he say he said because at that point of time I already leaving orchard so he said that he will travel to my place to collect the phone I say okay ya because anyway uh for me is that


the phone to me even if I pick it up oh there's nothing much I can do with the phone so I don't see the need of me keeping it I rather return and I also understand that let's say if I would would to be the person that uh lost the phone I hope that the the other person would return to me lah


uh but I never get the chance to get back my lost phone before, so uh so when I returned the person the phone uh the person actually actually offer me a fifty dollar at first I said I rejected lah I say no lah but he he insisted like to uh pass me the fifty dollars so I was quite happy because because


no matter what uh if I if I don't return the phone right I I don't, I think I can sell the phone anyway so uh getting the fifty dollar is uh is so called like a bonus to me and I don't even have to travel to meet the person to pass him the phone


so ya so that was kind of consider biggest reward I guess , ya not much good deed ah , okay would you


will you be able to describe an experience when your faith in mankind was renewed or have you ever felt that like you don't have faith in mankind


!huh!


uh I mean you mean bystander ya, of a


I think I mean ya actually it's actually, depends ah I really think that there are people that are nice out there it's just said sometimes we always get uh, to see the general public that make us think that uh mankind there's no like help in mankind and stuff


but if you if you sometimes you read Facebook news or you read certain news, you realise that there are still nice people out there like the recent one I read about is ah this Grab err delivery guy actually offer


uh the one of the uncle who's actually uh car petrol running out are stuck in the middle of the road he offered to drive that that uncle to the petrol station to get the petrol and after that ride the uncle back


to his car to ensure that he able to actually uh, fill back his petrol so uh these are like really nice people out there that are willing to help but just that we often like to , let the negative things that we see in


life and being like keep thinking about the negative stuff there are definitely nice people out there that's what I feel ya


!huh! maybe they scared that if they if they were to offer help to you then later you complain them or what their do do nothing out there also


!wah! ah so, so I'm not a very lucky person so I think all my friends know that I'm I'm never someone that is uh will say to be considered lucky because there're often more often of very unlucky things happen to me


but I'm someone that is has a very much of gratitude so I think that luckiest woman would be uh perhaps I would say let me think let me think


I would say that my luckiest moment likely to be , having my uh parents uh I would say so because uh my parents has been actually taking care of me very well even at my age thirty right now uh during my uh lowest moment they are still there for me


and being able to like help me out through my difficult times in life, so I mean that we all seen, uh like in general singaporean many people care for themselves


but uh of course also said that parents are always selfless but not all the parents I would say uh at least my parents have been very selfless and helping me from my difficult time, I I mean that there's nothing more that I can feel to be more lucky to have them than uh anything else


how about you what's your luckiest moment strike four D


ya I think that end of the day just need to be contented with uh what you have and not like try to uh , make it like difficult of what you don't have and try to have it that kind


uh what amazes you what amazes you like


it's,


!wah! your one very your one very profound eh , has lah I mean there's only have a human beings I would say , I mean sometimes uh when I see certain people do like certain things right it really amazes me that how how they can have like such thinking or rather how they can actually uh be so energised towards certain things


like for example one of my friend he's uh someone who really enjoying like gambling so so basically uh there are there are days that he can don't sleep just to gamble


so there was one ah one time we travel to Genting together, and he was the one that help us booked the hotel room so yes so he's supposed to help us check in so when we actually reach reaches the reaches there right


we reached uh Genting that time he he actually pass us his belongings and asked us to help him to check in instead he doesn't even bother to help us check in, so that would really amazed me ah I was like, come on it the moment you reach you need to go in casino straight straight away one ah and the second thing he amaze me the most right is throughout the time two two days one night we over there right he he never even went back to the hotel room to actually rest


he he most of the time he actually stay in the casino I would say like twenty four seven, so that really amazed me his behave , of like the the enthusiasm towards gambling


so you know that everyone have, there are things that they like in life or their joy oh but that was really extreme to me lah, ya so uh I mean I mean I


I probably won't be so over into it lah the fact that you don't even need to go back hotel room to rest after you travelled through the coach, on the on the like throughout the twenty five minutes yup okay uh so what is your best surprise


ya best surprise


okay, so


so thank thanks to me lah so I gave you the best surprise, ya I was the one who came up with this idea come on


at least it seems real right, uh no I don't actually have don't recall uh like best surprise uh but what I can share is uh my favorite activity to


unwind and relax myself, so I I'm someone that like to I'm someone that is very expressive so I'll I enjoy uh the time when I actually hang out with my friends to sing song sing K and have a drink I think that is the best like activity to unwind and relax myself because singing


actually released my emotion and drinking as well, ah now now no, choice ah anyway I'm ready quite relax at this all time I've not been working for quite some time so it's considered quite relax actually ya so but


during stressed that time I really enjoy uh singing song and actually drinking at the same time, ya, uh okay do you have anything that leads you to experience an adrenaline rush


so so you were saying, so


so actually nervous cause you having a adrenaline rush


so so roller coaster rides as well as uh uh something that makes you nervous will have caused you, adrenaline rush right


I see uh ya so for me is what causes me to have adrenaline rush would be probably uh after exam uh because


every time ah no after exam because after exam right you will feel so relax you will feel so happy that is ready exam is over, and you can actually go like play around and stuff so always after exam make me feel so Shiok and I would like stay awake the whole time


because I know that next day I do not need to go school there's no exam that's like the best feeling ya for me when comes to this uh adrenaline rush so uh what other things uh perhaps the other thing would be when it comes to gamble


sometimes you realise that, we realised that the uh when you gamble that time the when you think about winning money ya, will make you feel that !wah! suddenly you feel very hyped up that you gonna win money but maybe you won't win money it just that that rushed for the ya the feeling


for you of thinking to win money is good , ya uh is there anything that makes you want to be alive


uh, ya


ha


K for me for me is I I think that similar to you uh there's there are many, things that I will still want to do in life so I do not want to actually be dead so making me alive ah can have more expectation of maybe getting like better living


like move out of my house have my own family ya so these are things that are kept me want to be alive and ya so I really enjoy being alive like doing whatever I'm doing right now


is there any skills or an ability that you are secretly proud of having, so you are someone very ya


oh financial related topic yes, okay, so <P2>ahmad</P2> do you have a savings account if so share your experience and details


well if you're wondering I also have a savings account mine is under Maybank, and I mean it's just an account where I just put in money like from whatever I get from my allowance or any spare money that I get from like work and then I'll just put that there and I'll try not to touch it for like the rest of the month


or like anytime unless I really need to use it so ya, then do you have a credit or debit card


!wow! okay, but ya I I don't think my debit card can do that uh my debit card is under OCBC and Maybank, like because same I can't afford to have a credit card I guess or I don't think I can have that responsibility but ya I don't think both of my debit cards have that


option to have that multi currency thing going on such as you always, ya, then uh wait so do some may argue that bank's interest rates are unattractive whereas others may feel that their money is safe and accessible in banks in light of this would you save your money in a bank or invest it elsewhere


but I don't know I mean at this point right cause I'm only twenty one so like I don't, know whether I have the option, into like invest it elsewhere like you know some people invest in like property or what not right but


honestly I have no clue about all that kind of thing, so I'd rather just keep it in the bank for now but it depends which bank as well because there was this customer that came up to me at work and he's like as in like he was telling me about his bank account because I saw his card is Maybank and not a lot of people in singapore use Maybank like I do so I'm like oh my god you use Maybank and he's like


ya, because he's like oh I used to be under POSB or something and like apparently he lost all his money so he's like that's why he changed banks immediately and he said that Maybank is more secure I guess and the thing about Maybank is that uh if I'm not wrong they have the lowest


interest rates around singapore like as in like compared to other banks so I guess I'm, I don't know I guess ya, ya that's why, I I'm with Maybank cause like you know an islamic, wise you're not supposed to have interest and Maybank gives you that option so that's why I'm with Maybank so ya


but ya I also don't I wouldn't invest it elsewhere


I don't know apparently it happened to this guy so I'm wondering anything can happen and it has happened to one of my other family members overseas and like it was it was really sad they lost a ton of, money like a lot of money


and it was like supposed to be you know their savings for like you know like later on, and everything but ya they lost a lot of money and it's really unfortunate that they did so you know you have to choose your bank, wisely so after that incident with that customer I don't think I'll ever be under POSB but you know


you do you, oh ya then do you take oh ya what do you have any experience in getting a loan


does that count oh as in oh but do you have any experience of getting a loan from a bank, even for your motorbike


then do you think that couples should combine their finances and open a joint account like if you have a joint account with your partner, also also do you have a joint account with your partner and like, ya if you have any experience just share your details


ya I think the same thing too, but , I don't know on top of the joint account do you think they should have their own account as well or like should everything just go into that joint account


ya that's true, then at what age do you think a child should be given an ATM card to manage their own bank account, and, ya you don't have a child so ya


oh I think ours, uh, uh okay I only got my, debit card like my first account when I came back to singapore, so like that was because I needed a form of like my allowance getting in so like you know my dad would transfer me the money and it'll come into my debit card so that debit card is what I rely on but ya I think I remember the first time I used it


and, I think I was in awe too like I I mean I remember to press enter unlike someone but, ya I mean I was like oh my god like a moment, really like happiness kind of thing like


I finally got my card kind of thing, so ya I was quite happy about that, that, and then I remember the first time or I also remember the first time my because back then in twenty seventeen my card didn't have a paywave Iike you know you couldn't have the tap option like cards do now


so only recently I think within this last year is when the bank sent me a new card so I could finally have that wave function and then I remember the first time I used it I was like, giddy again I was like oh my god ya


I can finally tap my card and just go like you know tap bingo so ya, that was quite fun, but ya uh but, kids I I feel like ya maybe once they start, having their own income or their parents choose to send them money


like dual card kind of thing then that's when they should open it up if not then they should just stick with their parents giving them cash, if they're getting allowance from their parent


but I think primary would still be for me personally I don't think primary is the, okay I feel like I want them to have that sense of responsibility only once they step into like secondary school like I don't know when it comes to handling money, I would only want them to have their card in secondary school where they're a bit more mature


ya, and do you prefer cashback points or miles, and like, which type of credit cards do you think people should be using


wait in terms of, cards right uh, uh ya I don't think any of my debit cards have, uh, cashback points or miles or maybe they do it's just that I haven't signed up for any of their like programs I only have cashback through like


phone apps like you know uh fave, is it FavePay or cashback or go GoCashBack is it ya but so far I've only gotten like five dollars back and that was Iike only from like joining the app and like Famous Amos


I haven't really made that much transactions with cashback and usually it's with Shopee as well, but usually I only get like a couple cents back like it's not much, because things on Shopee are like cheap anyways like ten percent of it would be like I don't know maybe


ten twenty cents so like ya it's it's not much, then uh do you have any experience of purchasing any insurance


the other day I know, my bank tried calling me up to give me some kind of uh it's like a income it's like a money kind of uh insurance it did seem really, uh, attractive in the sense that like she was trying to sell me like she was saying how if I don't go to work for one day or something I could just tell the bank and they just give me money or if I go to the clinic then I can just


redeem it back from the bank itself and they like give me back the money that I spent on my medical stuff, and like, all sorts of things like even uh any accidents or hospitalisation, uh but, she said that within a month I think it's uh seventy or eighty dollars per month


but I mean it did seem, attractive in the sense that you know, anytime, you end up taking MC not going to work or like going to the polyclinic, for anything then you could just get your money back just like that which is really nice


but, paying that seventy a month I I I don't know, know I'm not sure ya, also, just uh another question do you prefer to use cash or go cashless when paying for goods and services then if you prefer to go cashless do share your experience and the details of it so like what kind of platform


, oh, then uh I don't know for me, I'd always use cash when it comes to like buying food as in like, you know if you go to like a hawker area or like


I don't know say Encik Tan or anything like underneath the block kind of thing, uh where, NETS isn't so common I guess well I mean NETS has be more common nowadays and that they do have it but I don't know for some reason I think I would just prefer to pay cash in those kind of places ya


but then for food that is maybe say more than ten dollars or like say I'm running out of cash and that's where I prefer to go cashless if not then I'd actually prefer using cash but like nowadays at groceries like supermarkets and all these I've been using my card more often


I guess it's also with the whole COVID situation, so ya that's where I've been more cashless, ya then uh, in, post COVID world what changes are you making in terms of your spending saving habits


I think this whole COVID situation uh during circuit breaker I actually cleaned out a lot of stuff from my my closet like used, or unwanted like uh pieces of clothing and it turns out that I have a lot that I don't use anymore or wouldn't


like to use as much so I kind of just put that aside and I realised that, ya I don't need that many clothes actually and there's only a few that I only use like, on day to day kind of basis so I definitely won't be spending a lot on like clothes anymore


and, uh online shopping also has been, an option but like I only online shop for like things that I need like electronics like you know earphones , then I think I bought


like some painting kind of set because it was to keep me like busy but ya, ya post COVID I don't know uh oh I I know I'll definitely go more cashless, because it's just a thing that's happening now and, I think since COVID everywhere there's been like NETS and


like, PayWave is now another thing so like ya, ya, definitely go cashless


financial independence well I think financial independence is definitely a goal of mine as in like I don't want to have to rely on my, parents anymore that should be everyone's goal honestly, but retire early I mean I I don't think I want to retire early anyways


ya, ya, uh, uh wait should I stop it now


okay yup yup ya can, negative experiences, okay uh


oh oh those kind of things oh no I


I see, , I guess it would just be watching any kind of horror movie, ya like uh I mean, for me it will be


okay so I like watched conjuring and I didn't quite like it as in like because I find it quite scary so there's certain points where I don't know it's just kind of like you get that eerie kind of feeling, ya so that that's what happen usually especially with like conjuring there was that one laundry scene that I can remember I I wasn't able to do the laundry for like


the next, month probably like I I was scared to hang the laundry like sheets outside because of that scene, ya, because I remember how I got scared or like it gave me goosebumps because I was like uh


so ya, but oh I do remember something gave me goosebumps wait, goosebumps uh can they be bad or good kind of goosebumps


then ya I guess it'll just be from like horror movies like seeing some kind of like like hearing some horror like story like scary kind of stories


I don't think I've ever made a mistake that big, ya I don't think I have, or I can't think of any right now, ya but uh, can you describe to me an event that made you very angry


ya you know when it comes, angry oh ya there's definitely a lot of times where people have gotten me very angry, so there was this one time where I was out with my friends and it was very very late, and


two of them had a car but obviously one of them wouldn't send me because like, , he lives a bit further the other one I guess is a bit nearer and I guess I'm closer to him as well but at that point in time he just didn't want to send me at home and it was very late late as in


no buses no trains kind of thing and if I grabbed it'll be like twenty dollars plus and the thing was I was very angry because I was the only girl in the group, so , and uh the rest were guys but with him having a car and you know with us being friends and we were like very close as well he just didn't want to send me home and he didn't even give me an explanation as to why he didn't want to send me home so I was very very angry about that and


and uh this affected me for like the next couple days as well as, ya I, kind of told you the story before you but, ya it was very, angry and then at work, there was this one time so during COVID we have to like mark out the chairs with a X


so like you know one metre distance apart kind of thing, , and then uh there was this one day where me and my colleague decided to rip out the tape because like the tape kind of gave like a glue, uh it left like a glue


thing back on the like on the chair so we were trying to like clean that out and then apply a new fresh kind of like tape kind of thing but then this customer came in and then like he it was a, family he was this big he was a foreigner as well, like I think, nothing wrong against foreigners but he was just


he's just annoying, so like he uh he was with his family and then he decided to sit down but there were other chairs that didn't have the X but he decided to sit down on the chair that had the X like, you can any any reasonable man can see that that was a chair with the glue kind of residue on it like it says X


like you can still see it because it was very very visible but he still sat down so he sat down and as a result of sitting down on that chair with the X, with that glue thing, he got glue on his pants, and then he's like oh


why why is it why is my pants glue and I'm like, what do you mean as in he's like why is there glue and I'm like why did you even sit on it but like you know, I couldn't say that because you know I was like I just said like oh we're trying to like clean it and then put new tape but I got really angry because he asked for free pants so if you don't know Vans actually sells apparels like shirts and pants


so he asked for free pants like just because, and like, and my colleague decided to like actually get him like give him the pants, because like she didn't want a customer complaint kind of thing, so but I got really angry like why would you pay for it like you know he was you can clearly see there's an X even with that glue thing on the chair


so why would you sit on it if you can see it like it's not our fault that you sat on it like you're just stupid enough to sit on it so I got really angry about it and it kind of like ya I was just really moody that day as well, but ya


do you have anything that disgust you


ya ya I get you , for me disgusting it will be like insect related like I just can't deal with like cockroaches or like lizards that kind of, thing ya but blood


blood blood I can, I can't see my own blood as in like you know like as in like a lot of blood is like !eww!, if it's like in front of me than !eww! but like if it's through a screen like you know uh shows then it's fine as long as it's not in front of me


oh uh


maybe ten years twenty years back but, ya I get what you mean but for me I guess it will be racism like I really, cannot handle racism as in like, ya with the current situations like going on over in america like it's really disgusting to see that kind of behavior like I was even discussing it with my colleague at work and it's just nasty to see that some people's hearts are just like that


and like, we're like and I'm still wondering like where did this kind of idea come from like who, instill their minds to be like this I don't know I just find it very it's like they've got black heart kind of thing ya uh I find it very rude and like you know with racism also it comes with like the income thing because apparently even in


singapore or like some other places around the world there is income , gaps as in between the different races as well so like I heard ya certain races have, lower income compared to like another race for being like superior that kind of thing like hearing that kind of thing just makes me really angry like why would race even be a factor in one's income it should be about your hard work


you know ya it should really just be on your hard work and what you give back to the company like they should everyone should be treated equally whether its income or anything so like ya, racism like everyone should just be treated equal like I don't understand why it's a thing that people don't understand like what is so hard about that concept to begin with


just treat others as you would treat like you would want to be treated, but I still don't understand why people don't understand this concept it's really really annoying ya I guess that just, that's an issue that I feel very upset about now that you bring it up


post COVID that I face


so uh, uh right now oh ya it will just be looking for work, because like right now ya right now it's really hard to even find a job like luckily I'm, like I'm really thankful that I found I managed to get my part time job before COVID but like after this like you know when if say I want to change industries like I definitely want to go back to the aviation industry like right now it's doing really really bad so like that's something that I'm anxious about because like


will there even be a job for me, after this like would I ever be able to get back to the aviation industry as in like go to the aviation industry and like you know be in the industry that I want and I prefer that I would want be there within the next year or so because I don't want to be in retail forever


but ya how about you


oh ya and do you have any phobias, like how do you overcome your phobia


or so like ya in terms of phobias I also have one, so be in terms of like clowns, ya, but same with you I don't think I've overcome that phobia because like, I'm so scared of clowns like I anything like clowns or


masks or like , like costumes like you know at birthday parties there's like people who dress up in those like you know costumes I don't know what mascots that kind of thing ya, which is no I can't deal with any of them I always usually just hide behind a person I can't overcome it so like ya same like you


or is there ever a scene from a movie that made you too angry to watch


then is there anything that frustrates you


for me it'll be people chewing too loudly it's something that I cannot handle like I'd actually just be really angry it'll be like can you please just keep your mouth shut, ya that frustrates me same with the other issues it's like I just hate it when people are so rude to each other like why are you so rude


and then oh at work uh something that really frustrates me is when people ask me for a shoe and they're like, do you have my size like, what is your size you need to tell me your size so ya


yup red button


oh okay yup can record now, positive experiences, okay


uh it would I think number one would definitely be seeing the, aurora borealis in like norway


honestly it was or also known as the northern lights honestly it was very uh, it was really really beautiful and it's not, what it seems like in the pictures like it's a lot more beautiful than that


, it's really nice to see like the actual like colours jumping around like see the lights actually like move up and down kind of thing , but sadly on that day we only had like green or like so slight blue


and it wasn't even for long it was maybe only for like twenty thirty seconds max because like that day those three days that, went out hunting for the northern lights it was very cloudy so there was quite a low chance of seeing it anyways but the fact that we still managed to see it even for those good twenty thirty seconds were still


something that I definitely not like I'll I'll definitely not forget kind of thing ya, ya, ya then how about you


, ya I can't, I mean uh I guess the most, recent thing, that I can think of right now would also be so I mean


it's at work so I work at Vans as you know and uh it's just a retail kind of thing like you know shoe store so like I'm just helping out a regular customer but I don't know for some reason that day when I was helping her out I was kind of like I was very happy I was in a really nice mood kind of thing and she felt it apparently


so she was like praising me, uh she was just like thanks for helping me out, and all and like you know you're not like the other helpers at another branch from Vans as well and I was like oh, okay I guess okay that's that that's pretty cool that you know like I was able to like help her out and like you know make her day kind of thing


and she made my day by telling me that she was going give me feedback to like the company and all honestly I still haven't seen the feedback but like you know at least her saying it was good enough for me like it was something really nice to hear that like I could help out a person


and like get the item that they wanted, because ya, the stocks were running low anyway so it was quite hard uh, uh the stall is also quite busy so I was like rushing around here and there but like you know I don't know she said that she could really feel that like you know I was really helpful so I guess that felt nice


oh that's sounds really nice


did you have uh what what leads you to experience an adrenaline rush


have you have you done any sports or anything that would have given you that kind of adrenaline rush or like what kind of activity


adrenaline, adrenaline , I guess I would adrenaline so fun fact is that I, I I I love adrenaline I guess like me and my family do because we've done quite a few adrenaline related sports so it'll be like bungee jumping or skydiving


then uh what else ah, I know oh we've also done like paragliding before, I don't know if I've ever told you but ya paragliding is another really cool thing to do so like uh obviously these are all tandem so like it's done with someone


so like skydiving was tandem skydiving and paragliding was with a like a professional kind of guy, and he was really nice and apparently he held the record for like, longest eh, longest fly or something over water or something can't remember this was back in like twenty


twelve ya oh my god it's been that long, so ya it was in twenty twelve we went paragliding and then in twenty sixteen I went skydiving in Melbourne australia that was really fun did it with my mom my brother and my cousin and that was something that like I really want to do again like I know what I want to do it again because it was like super duper fun like I just love that kind of uh


adrenaline being up there and then like, that rush it's like super exciting, but the moment he pulls out like the parachute and like you can see the whole view of like, Melbourne it was like really nice and for bungee jumping that one is like


I did it alone so like they strapped my feet and then uh jumped off the bridge and that was like really funny because I kept on laughing but like laughing crying kind of thing like tears were falling down but it was a, a happy kind of thing and I couldn't talk


properly because Iike I was still in awe after what happened, ya, bungee jumping that only was only forty three meters and uh, you ah ah I'm not


sure I guess more than that, but ya it's like the moment you jump off and you look down every, thing just like zooms into your face kind of thing so it was really quite it's like oh my god and I remember, my siblings telling me something like


oh uh they could hear me screaming from like above because like there's a place where everyone can just stand at the side and like see people who like jump off there's also a screen, inside where they where like other people can see you jump off kind of thing but ya apparently they


could hear me from like above because I screamed super duper loud it was just a oh my god kind of thing and then I just started crying laughing, ya , ya I guess ya forty three metres but I definitely do want to go back and do like they have a hundred plus and two hundred plus


and they have a giant swing now which I also really really want to try, ya but and then there's another large swing I think it's in, south africa, ya or in, I think it's in one of the canyons in america as well


not the grand canyon there's another kind of canyon I think there's a large swing that you just kind of like jump off and then, you disappear into the abyss, but ya, it seems really cool in the video


I don't think I have any secret skill or ability


I guess it will be doing planks like I don't know I ya I don't know uh because over the circuit breaker where I was like exercising a bit you know I was doing planks and I was really proud because I could go over like two minutes, or like or like over a minute like very easily kind of thing like it wasn't that long but then during that period there was a lot of people like posting memes about like planks and they're like oh


a minute in planks like doing planks is like it seems like eternity but then I felt really confused because I thought I was doing really well and I was like , I think I I don't think planks are that hard so ya


I don't know I feel like that's something I, I I'm proud of so like after saying those memes I was quite like happy I was like !wow! I can do planks but even like the people who reposted those memes I know they're like gym junkies like they can lift and everything but they can't do planks so I was like really happy with myself so ya


that was something I guess I'm proud of having or like doing how about you


uh uh


uh what do you have a proudest moment in your life so far


I guess ya same it's like little little things especially during school, uh so like for me the best was when I got accepted, to like poly I remember that day also, very very clearly so like my dad kind of like lied to me and said that I got accepted to a different kind of poly which I didn't want like I wanted TP


so he's just like you know just check your emails when you come home so I checked, and then, uh suddenly it was a email from TP and I was like like oh oh what's this, so I opened it up and then I'm like and it says accepted like the moment I saw accepted my tears just fell down instantly


so ya that I guess because like you know being from an international school then like coming back to singapore is like, I, I I didn't know whether my grades were good enough knowing that singapore is super competitive so like ya so when I got in and I was really like oh my god yes and then during poly as well I managed to get onto the director's list in in my second year which I was really like


confused about but also like really happy and like proud about myself so ya so far it's all been like school related, achievements, I don't think I have any other achievements outside, ya I don't think so ya that's true


and do you have a favourite activity to unwind and relax


if it's like here was at home, then , I guess if it's at home then I I would just like I don't know just lie down on my bed and just zone out, I can zone out pretty well, ya


I guess that's it I could just zone out, or I would just put on a movie and like just watch it and like I put on like maybe a classic movie so like movies that, I enjoy so one of them would be norbit norbit is a really really funny movie that you should watch at least once in your life I I think I've watched a billion times


ya, norbit or #nacho libre# that's another good one, ya, so I think ya, mainly movies if I don't zone out then it'll be movies, and if I'm not at home I would actually like if I have the time and like money as well then I'd go out to the cinemas as well


ya, because Iike I don't know, uh back when I was with my with my family like going to the cinema is a thing that we always do, like, at least once or twice a month kind of thing so it's like very often, and Iike it's just a thing that I enjoyed or like even if we don't go to cinema it's something we do at home like as a family so like I don't know when I was alone it was something that like I could do as well like you know just bring me back so ya there was something ya


so currently I just started, so ya uh actually no uh what makes me optimistic about the future


nah there is a future it just depends how long it's going to take I think that's the most depressing part but ya, uh, uh it's the right thing in my okay


again okay


name the features of the account ya I have a savings account actually I have two I think uh just set up uh


new one recently it's a higher savings account that means uh there's a higher interest yield for your savings account lah, then uh set it up so that I have like the my savings is more liquid so that I can put in this bank and it still yields like uh more returns for me even though it's like there I can take it out anytime


I have a debit card because I don't think I can service a credit card ya uh both both of my savings account have debit cards, so ya I actually have a debit card that's a multi currency account card also so ya that's another account which can use like uh I deposit in money and then I can uh


do the exchange uh exchange uh into another currency in that account then after that I can use that card overseas in that uh currency which I have exchange it in so let's say like I exchange it, to US dollars and I go to america or something can use that card and charge like american dollars on it


I think I would do a fifty fifty approach because bank interest rates are always unattractive but the how to say like , the convenience of a bank like let's say having like what I mentioned uh multi currency account uh debit card uh all that is uh


all these is convenience lah especially in light of like uh online shopping then like uh cashless transactions it just really makes your life easy and honestly in this day and age I, I don't think you can function without bank account at least


or a debit card , at the very least because you need all these to at least do get get about in your daily life that sort of thing you know, uh ya,


, ya but ya saving money in the bank I think it's quite secure for I think singapore context, because I think here I don't think you lose your money instantly or like the bank will just close like one day it's open then just close the next day and disappear with all your money all that that sort of thing you know


think the only experience of getting a loan is uh from like personal loans from my parents


from a bank uh from a bank no, ya from a bank no the, my motorbike is uh inhouse finance so technically I owe the shop I don't owe the bank so I'm paying the instalments to the shop


ya


, ya obviously I don't have a partner because I'm single so ya no joint account with partner but, I think in the future or if you plan on being that person for quite awhile ya I think if you guys can agree and come to terms with having a joint account I think the


be helpful lah because it will help in your shared expenses be it your house or like, whatever you guys need to do uh financially related it will help lah too as compared to like maybe fighting over


who's going to pay for how big of a share so you just like put set amount of money into that joint account and you guys can use it together ya so I'm I'm for it definitely if both of you can come to terms with


, I think definitely you should have your own account also because you do need your own account in case like you choose to end that joint account definitely


(mmhmm), at what age should a child be given ATM card to manage their own bank account I think when they starting to


use money for themselves for their daily expenses I mean personally for me also I got my first, ATM bank card when I, got my first job so it was quite late ya I didn't have an ATM


bank account or ATM card rather ATM card until I was like, sixteen seventeen, then only then I uh I transfer everything over from my old uh kid's account which had only uh


bank account book and not an ATM card then only then I started using an ATM card you know the first time I I use an ATM card uh I paid by NETS, I still remember I used the ATM card I key in my pin number and I didn't press enter then the guy was like ah okay you need to press enter then I I was like oh okay sorry it's my first time


(mmhmm)


this time this point of time now I think it's very valid for like a child to be given ATM card quite early on ah maybe even during secondary school, uh primary school also if the child is like mature enough or like responsible enough to handle the ATM card because like everywhere needs it and you can definitely control their spending and what not and they don't have the risk of uh


losing like physical cash where in someone finds it they can use it whereas they can just lose the ATM card then they can just deactivate it right


which types of credit cards do you think people should be using personally I did do not have credit cards but I've experienced cashback points , miles I don't think so cashback only recently with my recent bank account with standard chartered bank account uh because uh


actually I didn't know there was cashback also and then I started using it for like expenses just to try it out then suddenly like at the end of every month the, transaction they will put there's some cashback but for like thirty or forty dollars


worth of expenditure I will get back like sixty seventy cents of cashback then that's it then uh for, for points I have like membership card points the NTUC union ya so I usually if I go NTUC or I fill up petrol and then I will get the points then I think to redeem that for like


I think for me it's free every hundred fifty points is one dollar worth of petrol but it takes forever lah to get the points and I, the miles I'm don't think I've experienced miles ah ya more towards cashback and points points being the most lah definitely


some sort lah


insurance products from banks from banks I don't think so I've never purchased insurance honestly uh insurance products from bank ya don't think so


, personally for me I still like to go cash but for cashless, probably I would go for like online shopping and what not uh


uh my experience with cashless probably will just be my debit card like my uh ya Mastercard or VISA that came with my debit card uh, uh then the details features of the platform probably ya just normal online


debit card usage that can allow me to go cashless lah then just ease of transaction,


post COVID world ah now during the COVID world I'm already spending so much, okay in terms of my spending saving habits definitely I will save, more I mean that's always the goal isn't it but then spending wise I think I'll


definitely like wherever I cut off during this time this point of time I'll try to, not go towards it anymore because definitely if you can cut it off now it's not necessary definitely so then ya I can probably save more in case a situation like this ever arises again right


think of FIRE financial independence retire early how can one achieve financial independence


(ppl) okay press the red button [ah]


watch or read gave me goosebumps probably like those stories where is like, the have you ever read those like uh one or two liner, ghost stories like I ever read this I don't know if you saw it before


just said uh the last man on earth sat alone in his room there was a knock at his door, you know , yes so so that that's like oh that's chilling you know that give me goosebumps then like stories where


you know it's true where like these things happened, uh then but then it it never occurs to you like you know people like , experiencing supernatural stuff or like uh getting into bad accidents where it's true


but then like you can never relate it happen to you and just give you goosebumps you know like it can be an accident you can get into accident uh, uh and then it's it's not far from you it can just happen to you anytime also so it just gives me chills lah sometimes


(mmhmm) ya what about you


I think probably bad in this case where just like uh you go you go like uh like that probably,


ya describe a time where you feel that you have committed something gravely wrong and there is no way you can get back up and start over, ya I'll start I think you already know this story is just when I dropped out of school just like only when I dropped out of school then ya oh then it's like oh I messed up and can't start over because ya it's a whole two or three years that I have to redo


so ya lah there's there's no way I can get back up and start over even if I get back up and start over it'll be like take some time because like I dropped out then have to go NS and all right so ya that's something I did something wrong lah and didn't occur to me until like


few days after like I was still quite lost in like in the first week actually then like didn't do much but except, routine of like going out then like working working part time then after that just coming back doing nothing


and just like waiting for it to like hit me lah,


that made me very angry , nothing comes to mind


but , very angry probably something that that concerns food also if there's anyone eats my food ya I'll be get very angry


ya ya


oh anything that disgust me uh probably gore uh


probably like !eww! I will like uh disgust me ya, , , you know probably just gore like uh you know just like


or whatever that comes out of your body that sort of thing it's like !eww! there's so many disgusting things that you can like cough out or like that pass out of your body just like !eww! that sort of thing you know ya


, then okay what is an issue that you feel upset over because you feel the world needs to do more about it oh this can be a lot man


, ya what is an issue that you feel upset over because you feel the world needs to do more about it probably like now uh, uh income disparity where you know when the rich are getting richer poor getting poorer that sort of thing


ya I mean because like all these small things where we face as a society, where you know that income disparity then people being poor people not being taken care of that's sort of thing if we can actually solve this we can like move past and way beyond focus on like more bigger questions you see or like uh problems


then like but people just choose to not , how to say like pay enough attention I I would say attention is being paid to it but there's not enough attention being, paid to it so like we still can't move past it when we could move past it like probably like quite some time ago


probably like even like uh, uh , , you know like uh, uh, ya ten years twenty years back , ya, (mmhmm)


ya that's one also


ya in a post COVID world what are what are some of the worries and anxieties that you face


ya I think ya to add on, to that ya I think it's similar to yours also but it's on a more broader spectrum where you're concerned about being in this one industry right uh but


my main concern is that after this are things going to be somewhat similar to what I'm, to what I'm not even used to or to what I'm trained for or like to what I'm uh uh


able to achieve you know because like sometimes like in terms of post COVID world like oh it's like validated that people can do their jobs from home so what's not to say that the jobs can go to some other country and there's no jobs for us


and like uh the social norm for like uh being in the post COVID world oh how's that gonna be uh like ya like you said finding a job more like healthcare related even or like, ya some practices that's can be as simple as like uh


what is this having social gatherings that will change also what ya, , for , so phobia I've like that one phobia only which is being scared of like needles so I until now I couldn't overcome it I will like you already know I will like hyperventilate and all that like very scared ya uh but to overcome phobia


uh, uh, ya the only way I don't think I have overcome it but I'm just went through it where it's just like it's so compulsory where if I don't do my phobia or go through my phobia it just end up as a bigger problem for me


so like ya I have to do it anyway then no matter how bad I am or will be when I'm going through it just happen so just like ya like that it is what it is, ya what


, , too angry to watch uh, uh no I don't, think so too angry to watch I've never like raged at a movie before ya definitely not like but for a scene to annoy me probably just like fast forward it or something if I was able to ya but I don't think I've been too angry to watch a scene in a movie


, frustrates me ah probably my, inability to like you know where like you know you could do better or like you can do this thing but for some reason you just can't or won't ya then


then it just it just stops there and like , you know when like it can be just as simple as like okay I want to wake up at this timing then then suddenly like you wake up like an hour after that timing then you like oh my god I'm so angry with myself that sort of thing you know


then uh ya then like uh, it's like sometimes how like you're doing work but then uh, it's just work and you know you can do it like uh for you to like uh understand it


and explain it to yourself for you to be able to do it but then it's just like in that point of time like you get too narrow focus then you just like why is it so confusing or like it's like I can't do it whereas like you are trained for it


or like you know how to do it that sort of thing ya and that that frustrates me lah because like ya I'm I'm actually able to do it but in this given situation I can't, ya ya and then what about you what frustrates you


okay


okay describe a travel experience that left you in awe


travel experience that left me in awe I mean which one didn't leave me in awe but I think, memorable one would probably that left me in awe, probably be my first solo trip I went to Glasgow scotland then ya it was like everything just left me in awe because like everything was the first time


uh being, or like traveling by myself and it's like so eye opening it's like you have to do everything yourself then you have to experience every, thing yourself so you're like sometimes like just the smallest things like oh you have to do this then you're like oh okay that's how it goes then it's like oh okay that's not bad that's sort of thing you know then it's like uh


ya it just teaches you to be independent then ya that left me in awe of myself, mostly that I was able to do it that I was able to be, so far and uh be independent by myself that sort of thing (mmhmm) and uh what was the biggest reward you have ever received after doing an awesome good deed


that's a hard one though


awesome good deed , I don't, one that comes to mind was like years ago I helped this uncle that was uh I think he was from the market then he was at the at the traffic light junction nearby my place then he was like struggling carrying these big two plastic bags


then after I carried it all the way to like uh, uh his uh void deck then suddenly he like pull out , two oranges and two apples out of the plastic bag then just give me then I was like oh okay thank you ya I don't know it just struck out to me that he just gave me oranges it's like how you like them oranges he just gave them


to me and then ya it just came to mind then uh ya then I highly enjoyed those oranges lah definitely even gave it to my mum also then at least like, out because out of my good deed then like someone got something out of it also


(mmhmm) that it was like a good reward ya so uh ya, ya that's that's really nice then suddenly he just like randomly pull out oranges , then he was like oh okay thank you for carrying my plastic bags and I was like in secondary school that time so like didn't have much also in terms of like uh day to day whatever I got so like ya oranges and apples that was something nice to get


ya and then uh, what leads me to experience an adrenaline rush, uh


probably something or anything that's out of my comfort zone that's very, unknown or vague to me uh, probably maybe even something


, in the grey area like you're not supposed to do it but you do it anyway ya you get adrenaline rush from that


ya I used to mountain bike a lot so ya , used to go what's this for mountain biking in #bukit timah# or wherever trails I find so like usually I won't follow the path


that's usually where they go then I'll just go like for wherever off beaten path or just like oh there's another small but less used path here but there is a path so okay let's go I don't know where this goes but just let's go ya that gives me adrenaline rush that sort of thing


then uh probably like uh going adventuring at night also that sort of thing because you can, never you never know what you see you know, ya , then what about you adrenaline rush


(mmhmm)


why


forty three metres is how tall it's like three storeys four feel like it'll be more


(mmhmm) two hundred , two hundred metres is no joke


, okay then uh what is a skill or an ability that you are secretly proud of having


secretly proud that means like you probably like you have it then you're like ya I own this skill or or that sort of thing or that ability or where like it's really you that sort of thing you know


like can be you do this thing and you like doing it, planks


ya


planks are hard , (mmhmm)


skill or ability probably I can pick up languages fast as you already know ya so ya that skill and ability that ya I'm proud of having that because like, I like to hear the language then ya it just comes to me easily then I've always been ya once I heard it I always been a parrot and try to mimic whatever they say especially like given the context I will try to relate it


and whatever words that frequently come up oh ya there's definitely an like an action word or like a confirmation word that sort of thing, like uh like uh what what you call it verb or noun, ya ya ya you you you you like like something keeps repeating itself then like ya and you know okay this word is commonly used so it's like an action word or it's like to say okay or no or like uh ya that thing that sort of thing you know


ya so that ability I'm proud of having that so ya I can pick it up quite fast, then ya I just try to adapt myself to to that given language


proudest moment in my life, probably is those like small achievements where like you think you couldn't do it but you did this eh probably like me getting my license


ya so like ya I completed it all by myself when like everyone was like asking me eh why haven't you completed your license or what not or, then like uh, then suddenly like you just get your license then you're like oh I did it then I'm so proud of myself did all by myself also then you can just have that freedom also that comes with it after that you know and uh


like financial independence also like oh you thought you couldn't uh afford this then suddenly you got it you know that sort of thing ya


never mind academic achievements are achievements nonetheless


uh ya definitely going for a ride like going for those like long rides just going to, you know some scenic spot or some like uh good hangout spot then uh ya just definitely helps me unwind because like you know at the same time when I'm driving or riding just clears your mind but you can't get


to that stage too much because you'll be distracted and it's not good to be distracted on the road right so it's like just clears your mind but keeps you focus also then like just random thoughts come into your head then you can like really focus and tune in on those thoughts then can just like maybe get some clarity also out of that


ya so that helps me unwind then it's also like very relaxing lah especially if you go out for a night ride it's like very cool very windy, then there's not much traffic uh everything is so like breezy there's no rush to do things it's just yourself


, you can enjoy your own company that sort of thing there's no like any obligations or like responsibilities that's in that set of time, you know so it really helps, what about you


ya ya


(mmhmm)


okay despite the ongoing global certainty what makes you optimistic about the future


ya lah no I'm just saying despite the global uncertainty what makes you optimistic about the future because there is the future, it is not all hopeless despair and never ending uh global uncertainty so there is a future


okay


part, one financial related topic, okay uh for me uh uh we have uh two endowment plan that we uh set aside every month rather every yearly premium to save for uh two children two girls


uh in case they require it to study oversea uh if they want to if there's just want to it there's a option for them so it's not just a saving for for that for us alone also saving for them for their future if they do not need it that would be uh in fact


also good it become a saving for our retirement, so these are two saving plan that we have our two girls uh under endowment yes


okay personally I have a insurance plan to myself it has been twenty years already since since the time I finished my national service when I started work I, bought a plan and uh very fortunately I kept it uh uh


payment on the monthly premium basis uh I take yeah it's a great eastern life uh life insurance so, because is both a savings plan and a life uh insurance where of course there's any major illnesses uh disability of course uh touch wood


or death uh then I can claim if not then it become a a, a life it there’s a saving element where they called it cash value, so uh what I what what I'm great now when I look at the my plan now after twenty years the amount of the saving amount has exceeded


what I have paid uh yearly, premium so it become a gain so I look forward to another maybe ten years twenty years then the amount will even start to, double uh then it


itself become my personal saving uh for my retirement in the sense uh so I I'm I’m very, uh glad that I took this uh life insurance plan and had been sustain it it uh with a stable job for past twenty over years so for this personal life insurance plan I must say that uh that I was very well educated by the insurance agent


why I should take up this plan is for not only for uh any possible medical usually you use to pay to insurance claim but is also a lifelong saving plan, so I'm very thankful that I took these uh personal insurance plan for myself on top of that just add one point this insurance I take took out is also because to


make sure when there is any illnesses uh when I admitted hospital I will not become a financial burden to myself and to my uh loved one uh whether it is my own sibling or my parents of course married talk to my wife my children if you have a when my family which I have lah


okay when it comes to house loan car loan or whether is personal loan uh we have as a family as as a couple husband and wife we we have credit cards uh we made sure every


monthly statement comes uh for us to pay we pay full we do not want to, uh have outstanding uh a bill that we haven't paid whether over amount because the interest is very high or credit card so usually we made sure we fully paid to avoid the interest rate and why we use credit card it is very convenient the same time you also allowed us to


to uh to, go oversea which with only cash cash can be lost and stolen in city uh credit card if lost we just have to make a call to stop uh any uh illegal user on top of that credit card also allow us to, uh gain points have other benefits things like that


uh the the other thing I want to talk about is the home uh we we we we already bought our second home under HDB and we are very glad that this, uh latest home that we bought under five room HDB uh we bought it direct from HDB uh and we really save a lot to


finally uh we have fully paid a house so financially we are we are we are very independent into a house loan we do not owe any money uh you don't have to pay any money loan so is fully paid again this house become another


uh another uh, retirement plan for us when our two girls are married with their own houses we probably unlikely downgrade to either two or three room flat then we have the gain profit to to keep it for our retirement for our old age to enjoy


as for car same thing is always our principle as husband and wife to not to take loan to and our car we we do drive car but our car is fully paid so so that again uh help help us to be to spend our money, something which uh essential


not for something that is luxuries uh so this this one this is a question for which I like to share also


uh okay we cut to number three should we put our money in the bank to earn interest or put investment


err, after a number of investment that we put in uh both in the uh in the bank in in investment and even in the private industry where there are other kind of investment uh unfortunately the the the bank doesn't give you


what they can give in fact they cannot guarantee a promise and the investment even though is taken from uh very big major bank say about like either DBS Standard Chartered bank or, or Citibank uh the investment actually doesn't really grow


it grow very little bit and for we put money into those private investment uh very unfortunately it's always, it's always come to a loss so as as of what we experience or what I experience my personal view is that just keep the cash even though there's no interest or little interest is fine because the cash will never go away so even though


in term of inflation then the money has lesser value but not like we put, a one lump sum in investment it is totally gone, and it's one lump sum of money and is a hard earn money cash not something that is uh so much extra that we can spend to lose it


so to me is that a rather keep it even though inflation may may cause it to has a lesser value let's say five years time ten thousand may not be ten thousand it can be just maybe nine thousand five hundred or nine thousand is fine rather than I lose one time over three four five months half a year to ten thousand


okay


ya for joining account I I also uh would prefer we I have a own account uh, certain thing that we share like might tour we will share the cost together we do not put in percentage exactly how much we share as long as as husband and wife we bring the family to


tour like three three weeks road trip by new zealand uh when we come back we always look at the uh payment like credit card overall then whoever like to give more to the in term of percentage is fine we don't look


we do not dispute over uh must be fifty fifty or husband must be seventy wife thirty so we never discuss on uh exactly how much to, to contribute, uh individually to share the whole load of uh family tour so even bank so we don't have a joint account we have own personal account so in so in a way uh


it it also free us from a lot of unnecessary uh scrutiny argument uh because we have different view so we need, basically we as an individual we need to be accountable responsible uh not to enhance spend the money if there is uh we will reminds each others it uh to remind each other not to to


reconsider if you go to spend on something that may not be too may not be an essential if its luxury ya it shouldn't be too high the cost of the item if it is possible uh yeah


okay I'm going back to question four of uh student loan at my personal view this my personal view my personal view is that


uh I believe, even though it may for example in case we may as as a husband and wife or parents we may not be we may not have a lot of saving or financial lump sum


when the two girls are at the age to go oversea if they're eligible been being uh offered to go overseas study for global scholarship or master or whatever courses if money's an issue there's always a revenue for example they can consider uh what I learn from my


uh, what I learn from my friend is that they uh he actually took a student loan from a bank and when he came back he's able to find a very good job in CAAS and he pay back monthly instalment and he monthly he he managed to clear the loan so I see that


the last resource in case as a as a family we not have uh enough finance to help the children to go overseas study there's always a good, err a revenue resource to go through like taking a loan but a plan they called it student loan


and when they come back the interest very low and they make it a instalment repayment is very affordable just a certain percentage maybe ten percent of their monthly salary when they start to work when they come back from oversea study so I thought this student uh loan is a is a good feature to


to consider uh in case in case when our two girls err, or rather as parents we may not have the means or finance or if we or we have but may not have uh enough for their let's say three years oversea study including their stay accommodation fee uh study fee or or whichever they may need ah


but I just want to add one more point on the saving account uh actually I open a joint account with my older brother uh is because our late mother, the uh left a will uh, for her property so my older brother and myself we become uh trustee


and the will of my late mother say that once the property is sold you has to be divided equally among my siblings so my elder brother and myself were are appointed as trustee and therefore we need open one joint account so that when the money


proceed from the sold property it will be go to joint account for us to, to err uh, administer it so that uh we able to get checkbook to issue out to all uh the sibling who has been willed by late mother to distribute to them equally as in as stated in the will


so uh this uh joint account has been also a a feature which I feel is very useful in this uh uh situation, ya so so I I I have a personal account uh with POSB and one joint account


is uh uh together with my uh elder brother, and that is basically ATM for myself, uh yeah our two girls we do let them have ATM card to use it so that it would not be troublesome for them to always came looking for us for for cash similarly credit card uh we do allow them to use but we make sure every credit cards statement coming we check with them whether is it


spend correctly is it <UNK> fully and it is a big amount we will, we will try to (um) we will try to stop it


what make you stress, what make me stress is uh for me the most stressful is, is uh my two girls‘ study uh, actually because I grow up from a family where I either brother or sister my parents


will not will not, and will not stress us to study very hard to get very good result because we watched one hong kong movie where the child being stress up and eat paper uh so, so so because of that my parent said said as long as you can pass can already


so because of my background I'm not very uh push it to my girls to get good result but my wife do so the the so to me when the girls are having problem with their study I will feel stress because I do not know how to help them because I


been getting good result all uh from my primary school my primary school my report book is always red colour the report book, to until secondary uh is getting better but all the marks are just above average then I went to poly of course when I went to poly I was the only one in my household managed to get diploma so to me is that


from the long education until I go to work my start in term of academic I'm not at the top so when my two girls are talking with their study, and nowadays uh their subject is so different from


my time so I'll don’t know to manage thankfully my wife can can manage them so to me when the two girls having problem with their study I will be very stress because I do not really know how to help them at hall especially in a very specific topic like math bio chinese uh in fact any topic


have you gone through any loss in your life, yes uh I have both parents are pass away uh that one I felt the most loss is my late mother uh


why I say that because uh whenever I face certain stress or even before I got married uh especially before I got married uh whenever I felt stress on my work or any problem and my late mother was always


was always the only one I turn to, and when I turn to her she will always keep me a perfect listening ear, uh she will not stop me interrupt me uh she was just listen until I I totally pour out everything then uh she always uh follow up by cooking something nice to for me to eat then she will not give me the solution


you just give it uh the most perfect answer is to keep me a listening ear so uh so when as she pass away I uh the the best thing can do for her is to, make sure everything is done well for her for the uh funeral the wake uh


uh even even now whenever, uh I see any mother uh, uh there's something related to motherhood or mother uh I always recall my late mother so uh he she she is she is the one that I uh I felt lost when when


and how I manage the loss of emotion, uh is, somehow unknowingly or knowingly uh, because because my big family my my third, elder sister will play the role of uh overseeing all all the siblings uh do we like uh like my late mother play her role so when she's do that I wasn't aware until many years later


somehow even now as as a as a father and husband I do face certain decision I couldn't manage it especially the feeling the feeling part the feeling part, I couldn't manage it I will just uh drop by her place because my my older sister is a housewife I'll drop by her place and just chit chat with her and talk about it uh


uh yeah similarly my sister also play a very good role like my late mother giving me a listening ear uh I try, to avoid uh breach her too often uh uh but in how I manage the emotion and deal with it is uh she became my what like my late mother where I manage to deal with my


describe a time when you felt trapped and helpless uh there was a recently some time maybe I think did last year uh I was involved in a major car accident I was the third car I remember uh


I saw the same car brake light I I also brake to slow down, but when the second car red light turn off it means it meant that is moving forward so I will let go my brake and move forward but when I move forward I saw the car still not moving I quickly hard brake emergency brake


but there's nothing I can do already at the moment from the jam brake onwards my car just skid and slight move towards the second car, and hit by the front car and, I was I was trapped in the in my car because I couldn't move out of the car I open my door it couldn’t open at all it was it was it was uh


it was it just couldn’t open and I try three times I I couldn’t open the car at the same time the car engine is giving was giving, out uh steam, I I I thought it might


it might uh catch fire the the my front car so I try to settle myself what can I do that was I can do I was trapped inside my car already I couldn't open my my my driver door, I try three time and uh it just split second I tell myself there is a way to go out by the left door so I I quickly pull my front seat back maximum so I got enough space to move to the second seat


but with the passenger seat on the front so when I move there I calmly take my own sweet time not to panic so that I won't, I won't uh I'll I won't, caught in a safety infringement and because my car was all the car all the five car trapped uh in the in the car accident all on the first lane when I came out when I came out from the left side of the car I need to watch out for heavy traffic


so when there is no when the traffic was no was no traffic and safe for me to move out on my uh left side of the car and move out and when I move out I felt very released that uh I'm I’m very safe and of course I will make sure I move to the divider


and from there, I realise that !wah! it was a major accident that the front car stop second car stop and hit the car stopped and hit the second car is a chain condition up to five cars so


what this is something which I felt first time in my life I felt trapped in the car and and uh I felt really helpless


what what is uh one thing you wish you could change, but will never be able to, that is my tummy , uh, of course of course uh I used to be a air force national service officer so we are very fit you know


uh we are in the in our in our prime where physically we‘re very fit uh, and because of that I I after I got married with family uh uh I I gain to my ideal weight sixty-five KG but my tummy is big


which I don't like I wish I have uh have like own so called six pack or or or something like that then, I got to buy a bigger t-shirt to hide the tummy even though I do not know I do not look like I have a tummy but actually I have a tummy if you if you could if I wear uh


t-shirts that is fitting wise tight fitting then tummy is very obvious so I always make sure I wear one size bigger, uh from outside you look I will look fit and uh uh do not look very fat but uh change but actually at the tummy is always there and I I will I will never able to change my tummy to a small tummy because I heard from some friend


whether you do running cycling or even sit-up it will never because it is the age issue the body issue where the tummy is always there no matter it can reduce but not, very uh drastic to a very very up to maybe possible but very it’s going to be very very hard so this is something which I know I wish I can change but will never be able to


so stop and what submit


part two


positive experience, what is the happiest moment of in my life uh the happiest moment is I'm able to cycle more often


during COVID nineteen where with my wife to the use the PCN uh park connector to cycle uh two three times a week uh where we can, where where my wife and myself we can share heart to heart our concern our our our worries uh


our opinions uh what is the most worst thing that keep on uh disturbing in our mind and, and with the uh evening like nine plus in fact night night night plus everything is uh quiet not many movement of human traffic or even vehicles uh


basically we cycle to the singapore flyer area of marina bay sand uh even the marina barrage so the environment was very serene and quiet, and cooling and windy so uh it's not hot so uh this is one of the happiest moment where we really experience uh during COVID nineteen


describe a time when you got appreciated for your hard work remember I was doing one freelance at uh in a secondary school and, uh it was a it's it was under MSS uh social social


social and family ministry M under M MSF, so my I was a coordinator so my my main job is to organise organise workshop for the school parents and children but most of time the parents


uh are the one who come for the uh workshop like uh uh, uh social media how to manage how to help the children to manage social media like handphone things like that or cyber attack or even uh I also conducted or rather organise workshop on uh bully how to manage bully among the classmates and schoolmate uh so


so at same time when I organise a workshop uh a workshop is not a workshop it if there are no audience wise so I need I’m I'm always asked to, uh not stress not being forced but asked to try to call more parents to come to attend then it will maximise the usage of the workshop being paid by uh by the government uh to benefit the parents so when I organise the workshop called and not only that I need to make sure they have dinner


cater for uh put uh prepare the overhead projector uh make sure the laptop is, ready for it could used by the speaker to use their thumb-drive to present uh on the topic they specialise in you know uh like bully or or cyber cyber wellness


but and you come to one point uh this uh head the upper head department came to me it's his uh and everything I do it on my own and before me of course there are a few coordinator has been doing that that for past maybe few years I'm not very sure


but this head department came to me one day, you are the best you're the best among the among the rest you know you you do everything yourself you knew everything yourselves you don't have to depend on me and and everything is done by you and the and the result is good and you are the best among the rest


so it was a very pleasant it was a very encouraging and pleasant, uh uh comment which, till now it was I think maybe four years ago or five years ago so I was very, uh kind of like taken aback because I don't expect it because I felt unpaid to do lazy I'm given allowance so is my job you know I don't expect to be appreciated just do my part being paid and do my best uh if I can help the school I try my best to help them


maybe by capacity you know if I can help I want to extend it things like that I want to be friendly to parents all the parents and of course I get to know parents was very willing to take care of their their kids and they share to me some of them share to me uh maybe personal struggle you know and I promised them I will not share to anyone


uh oh of course, back in school I will share to school leader of course the school leader vice principal will make sure is confidential because we want to make sure that parents are taken care off their children are taken care off uh in a way that both parents and children they're able to


uh uh able to, be be restful that the parent take care of the kids the kids can study well and be the best in school so so this appreciated comment came to my uh head department was very encouraging it I just felt very


that I've had already contributed to a school even though as a freelance I'm not paid well it's just a freelancer four hours a day go to school to, to organise workshop things like that and coordinate and make all the plan and keep uh make calling to the parents to to to catch up with them see how are they doing you know things like that so overall experience was very good


and with the comment from the the the the head department it enhanced and and telling me that whatever thing I do keep on doing because it has been given positive, uh uh uh results to whoever interacted with uh including the vice principal


describe one of your most memorial travel experiences uh I’ll shared the most recent one last year we, we went to Hokkaido and this is the first time in my life I where the car with a family we drove from Otaru to


Niseko is which is which is a mountain so on the way driving the car it was snowing and first time in my life the whole road the whole straight of road leading from Otaru


to Niseko mountain is all white and is snowing and the only thing appeared in my mind and my whole body is that do not drive fast because is all white all the road is white I don’t can't even see no signboard no what out all I can see as a guide


on my life is the the little bit of curb white colour curb so I keep on the left because japan it signboard the the left hand drive is the same so I keep it on the left, to uh keep it at sixty kilometre per hour or fifty uh so that I also don’t know whether the car will skid or not of course the car come with the snow tire uh equipment to make sure won't skid or one when moving on the snow snow uh snowing road


so while driving the car it was very beautiful when finally my feeling settle down, uh or being fearful of safety things like that so it was very beautiful and I managed to get a video uh to keep it a a record and and upon reaching the mountain


!wah! everything is so white and the the the house are very nice and we really really enjoy walking around the snowing uh environment where, it was so it was so amazing the snowing


and and finally the other uh memorial experience is that my wife and I, after settling down the our accommodation right again we went down from the condominium hotel to the to the snow area where it was very thick


so what we did we just uh we we we happened as uh have some tourist around there and helping us to take a video because we want to take the video of us lying on the snow and doing some funny action, to sweep to sweep the snow away so that uh it will be we can record to uh uh uh show it to our friend that we took a video of the


that we lay on the snow and doing some funny action for recording so it was very, very very nice experience and the last one, last experience is that I get to do skiing with, my younger girl uh on the mountain


we cannot do the actual skiing because it's not ready at the right uh time of the year part of the year in december to to allow, skiing from higher slope to lower slope but we managed to get a skiing equipment, uh to put on to do a skiing skiing up and down maybe about hundred meter two hundred meter and it was very good experience as a father and daughter to ski together uh so uh it was a very very beautiful experience and I wish hokkaido is much bigger will be go back again


uh okay so looking forward we we we look forward we look forward to actually want to, go to switzerland end of this year but due to the virus the virus like hit the us so well well we we keep this in mind maybe for next year


uh to switzerland because I've been looking at YouTube of switzerland is so beautiful, is so beautiful


uh what are you thankful for uh uh very thankful that uh during COVID nineteen uh our whole family is uh our whole family is still healthy, err, thankfully we are we are locked


we never caught any virus, uh of course the, uh one or two time my elder girl fall fell sick but overall even my elder girl got an accident is a minor accident fall falling down but I’m very thankful as of now as of present


uh very thankful that we never, uh contracted any virus and uh so so that what’s I’m very thankful for I also thankful that uh we are healthy we are strong and even in the even in the midst of this uh I also very thankful that