so, so out of all the things this is the thing I I really couldn't you know forget about in my life


ya ya ya ya I think last in my last time in my in in my school I also actually went to like for selection of of like a a few things just like, just like student council and like and like other stuff but then but then it just turns out that you know every time every time it's like you see is not fully my my fault it it's just that how how let's say let's say cause


like every time after that my seniors would tell me okay actually it's like it's like seniors warn me but then it's always like it's always like teachers that don't like me or like other seniors that don't like me they they're like just put me down which in the end I will feel I will feel very unfair and and like very


like quite quite sad sad about it because because it wasn't it's wasn't what you expected and it wasn't what you deserved deserved but after but after all the all the experience over the years right I so whenever whenever I I wish for something I will


I will will also be ready to accept the failure, you know like just have a normal heart when you approach things ya because because you know we have too much expectation when the result come back if it's not up to expectation it will just feel worse


sorry but what's the biggest thing holding you back from your goal, like all is it also like just now the things you were talking about


ya it for me it's like the sim similar situation whenever you know whenever I I set a goal for myself to to achieve such as okay achieving this result or or or like or like I need to I need to get this right or I need to learn something right it it's always, now I feel that every time you every time when at first you always very motivated but then halfway through the thing right it's either it's either there are like all the external factors that's like


stopping you from from carrying on carrying for for you from you to carry on whatever you are doing like like the the limit the limited time you have or like the essential things you need to do like, they are for like your other com other commitments or the you are short of money then you need to you know like all these external factors that's stopping you so so every time halfway halfway I feel just feel like okay okay is it how about I just like stop here then I carry on next time


which usually will never happen and or this one or or is it there are other situations that that halfway during my during my journey to achieve my goal I I I would just feel like okay, okay okay this goal is actually not very achievable because that that that means I don't really have trust in myself so so I


so I don't really really want to persevere anymore because I because I don't see a I don't see a point of doing that if I couldn't reach my goal so so I feel that I I always have lack of trust in myself and like I couldn't I and I worry too much about like external factor


that hinder in my life ya , ya, cares about me ah mean I only okay


I actually thought about this a few years ago because okay firstly for myself my personality is the kind that that's I don't really show my true true feelings to other people cause uh because I just


I just I just don't want other people to get affected by me so in the end in the uh uh uh so in the so in the end whatever kind of feeling whatever kind of whatever kind of feeling whether I'm like happy sad angry or nervous or something I will still put a smile on my face which makes everybody think that


that whoever that that no matter what happen to me right, I will still be fine, so this at first it was okay but then after awhile I realised that because I keeps on hiding my feelings right I for me now I don't really know how to show these feelings


so if now I'm angry at person I don't know how to scold the per I don't know how to scold the person or the or like be angry at him, or like complain to other people about this guy's actions and stuff so so this is making me very like


very troubled and because of this and because I don't know how to how to I don't know how to express my negative feelings so other people won't really like notice when you are having all this like


bad times or tough times and naturally they won't really you know, really care about your feelings and like really concern you because because they just think that no matter what they do right I will still be happy which is not the fact you know


you understand what I'm saying ya so so for now I'm really trying to change it, but for my image in front of other people other people just in they don't really


feel the urge you know like feel feel the seriousness to care about my feelings and and my welfare you know because , I didn't appear to be needing them in the past twenty years of my life


ya so so actually also very few people know about this because it's also very hard to share my feelings to other people, ya, then how about you is there any like nights you just suddenly feel that you know you know not people just don't understand you or don't really care about you


ya that's right


!hey! bro !hey! bro have you what what is your one of your most memorable trip experiences


so so most memorable one is the is the one that that that a lot of a lot of fun stuff happened all the things you never experienced before


for for mine it's also the same it's also the first time I actually went overseas with all my friends like you know basically the group of us we we went to china then okay then then we actually had a very well planned like everything was well planned okay today we're gonna go here horse riding we will spend


then okay then cause actually for most of us is also like first time travel with friends so everything was very well planned but but but what happened was that as usual like the it's like as it's also like in singapore that when you go to a place right nothing will follow your plan


so every every there will be a lot of last minute situation like for example when we go when we go to china the second day one of our one of my friend got fever , then so so so basically then after that the entire day we were just we were just like running around to like find like medicine then take care of him then we were like piggybacking him to the to the the clinic then then his face is like almost gonna die already then he just very very weak


because so basically for him !wah! I I don't know how he will feel basically he just like slept inside the inside the house and just watch soccer for like three days while the rest of us just go out and stuff then


then basically and we when when we go overseas it just feels like it just feels like singapore because will be just like we go everywhere, then we make a joke of ourselves everywhere then after that we just just spend money on food then like everything must eat then so my anime friends that like anime will as usual go to all the anime stores and then look at all the


and be crazy about all all the stuff actually actually that was honestly that experience was it's memorable because because it's with the closest people with you and and and without parents without restrictions do uh whatever you want for the for the


for the six days you know so it's basically just like going to a going to a still like in singapore but just going to a place that you have never been to, ya


no ah no no happiest moment in my life okay that experience was was real it's it was real happy for me but then happiest moment for me is you know is still like you know we guys is the when we when we POP from, from BMT you know it's the you know like uh people like me or maybe you also is the is the people who love freedom then have it that before NS right you have all the freedom you have in your life


the parents don't also don't really restrict us we just do whatever we want you have your entire life planned don't don't don't don't really need to obey anybody order, and just choose your choose your own path choose your day how you wanna manage your time and stuff but but then once you enlist NS right for the first time in my life everything was rip off you know you know you know you know you know you know basically I just feel that I'm a I'm I'm like in prison or I'm like


you know just everything must follow commander they'll cannot catch even like it's not even when it when it's not reasonable you also have to just, have to just listen because once you once you ask back ask ask uh question to commander then then then you will you get it first before anything can be solved you know


you know then for the entire three months we just we start every day wake up at five o'clock which I don't even I never even woke up before in my in my life, every day four forty five the lights is on then you start to rush because all of them are very ups they want to all go OCS and stuff which is not me obviously so they all hurry up hurry up hurry up eh what time already what time already then we just we just like every


even everybody in my in my section was very was very , on about was very motivated about NS so so I I just have to you know follow them if not if not if not later they will scold me so then just the trainings then the PT PT after PT after PT also have don't have your own free time uh


every time after the day has ended I have like ten minutes to shower and go sleep at ten o'clock I also cannot use phone completely that was like actually the longest period I've actually just just neglected my phone calls really no time all the time you have right is all go to sleep


if not you cannot survive so so and and and it's also it's also the first time you know during field camp and field camp you will just camo on for like I kept the camo on my face for five days and I never touch my face at all you know all the mosquito just bite you everywhere because and it rain for like


four days out of the five days you know and basically I'm like sleep in mud all day then all of the things are wet because which I cannot accept cause I'm a you know I I it's it's damn disgusting for me ya but have but then but then during that time right so every but all the time when I'm going through all this


tough times right I mean I'm left thinking about the moment that I throw my cap and pew pew you know and and and and and and when everything is over and actually during the road march before my POP right I still couldn't felt like you know that excitement it's only when it's only when approaching the ending of the


POP ceremony that that that that that I just stand that I just stand stand in the stand in front of all the parents and and just throw my cap everybody throw my cap together, throw their cap together and all shout POP together that's when !wah! !walao! ah for first time in life I I I I actually felt like crying like like there were a bit of tears but then I didn't show


you know that !wah! wilder then I just like hug whoever I see !wah! !wah! just that that was like it's a picture like uh you are in a different world for three for for for for for like three months and and which was totally different from what you experienced in your past


like nineteen years ago like you know ya have ya ya and I know ya for you probably then you will be real happy also , so was there a perfect day that perfect day also they were just POP and stuff


so whole day was like so your dream day is like your the whole day is very smooth and just just like don't need to think about anything and just ya it is true


but I but I mean like nowadays when you have like a bad day right you can always like like for me I will always just go to like go to to the mall and buy and buy me some like nice food and stuff then then then then after I eat right I will I will just feel, I will just feel okay okay now my day is complete you know even last time in NS at the end of every day right I will I will just I will just buy my the chicken chop rice meal then for like five dollars then after I eat right then I go sleep then then then then I will feel okay my day is complete


so what so so what is the what is the your your what is the food that that you always eat when when you are like sad, ya your comfort food


sure and and for me like you know like actually food for me is just a, because at the at the end of every day right I just wanna have like a a square of time for myself you know that I can just like just like chill and also watch some watch watch some shows but then you know watch show alone is very boring so you must eat something also so so so ya so usually so usually


every day I will have the if I can right I I I will just go KFC and buy myself a zinger box and then zinger box then after that I will go to like Kopitiam of something then have it to buy like a black


to buy like a black rice that dessert you know that dessert ya but ya but basically it's like green bean soup red bean soup so I then I will come back home like I'll settle everything first then then then after that I'll watch like some like, food shows or food anime then I will eat the eat the food then I then then then I really feel like !wah! okay my my day is complete it it it's that's the best


part two oh okay


one two three clap again, part one financial related topics


okay, so not that's not moderated right we'll just go ahead and answer and deep, okay, ya so uh I have personal insurance I have uh


term insurance with, axa I have, hospitalisation coverage with axa as well, uh so term is basically to cover anything that is over a period of time


you know for critical illnesses or uh time of need that's why it's defined as term not like life, no basically I think it's just to cover to from a certain age or a certain amount of years that


I will need in case of any, unfortunate illnesses that befall onto me, so I don't really have a endowment plan uh I only have term and medical insurance


and ya probably one of the reason is because I I think endowment plans don't give very good returns, ya dora what do you think


what does it cover for the house that is different from HDB


ya sometimes I get that AIG mail that they mail every year asking to buy in house insurance but always very tempted but I never buy because I never think anything is going to happen to the house


does it cost a lot more than HDB like one time two time more


okay, so what do you look out for when you buy insurance do you any type of insurance like what are the things that you look at


ya I think I agree with you on ya you buy usually from somebody you can, trust or at least you believe you can trust then, think for me is also the knowledge of product they need to have very deep knowledge product on what I need


and I usually prefer them if they know more than their own company's product, so that they can give me some comparisons and the product features because by and large I think insurance are about the same uh costing and returns usually the ratio payout rates is about the same


but there are some difference in the features that, they throw in for different companies, so like if I buy critical illness uh you know at what stage how much does it pay out in terms of percentage whether you are at stage zero one two three


or you know this is a part from what it covers right also in the payout whether it pays hundred per cent in front , you know uh stage one or you know some, some like basically just pay all at the end but there is no point what I'm going to die already the money is not going to help any hospitalisation


ya, ya it's quite ya a lot of people move around a lot lah so even if they are they sold you already I think especially for things like life or term or whereas more than ten twenty years person might not be around anymore sometimes so if they stay longer and have been doing this for a long time ya it does feel safer


ya, so let's talk about what kind of insurance are essential for people of our age


ya health universal health is basic ah


not I mean for ourself basically guy ya, no legacy planning like you say you want to leave something for your parents right that is legacy planning also


but life is like that what life is if life is endowment, basically is endowment, uh you do get returns and if you at some point can't finish it ya they will pay out what they have but, in other words actually for life if you stopped paying and you died for whatever reason you get paid out lesser than you should because you didn't fulfil your life endowment


right, that's what that's the part I don't like I can also cannot control my death most of the time died and then you don't get pay out I mean like you the early you start the odds are against them the later you start the odds are against you


ya some sort of protection lah ya, ya so okay you have medical and then you have some legacy to I mean for yourself or your parents uh for me I've medical it's pure medical for me


my even my medical is plus legacy that means if I've critical illness the sum is paid out immediately at stage zero or stage one and the lump sum will be enough for either my kids or whoever needs it ah but the payout is in front


so that I feel I have a choice of whether I want to use it, uh maybe to give myself a better quality of life when I'm sick or I can just pass it on to whoever I want so, conversely I prefer cash flow to be in front rather than behind


because when you are dead and cash flow comes out you have very little you don't partake in the decision making right so it's easier to at least still be slightly alive take the cash and then decide so that's why I I actually invest


most of the things in, in a critical term uh term plans rather than life because I I thought for a long time life does life pay, all right not very decent but most importantly I don't make a decision of my cash flow unless I survive to the the the policy I survive the policy means what twenty thirty years lah how how long is yours


still, but they have like a they have like a draw down policy like at some point it doesn't impact lah you'll have a


ya something like you can draw at, fifty or fifty five and then they said like this is your policy and the rest is earning something like that, fifty five and then what what and what year do you started how many years have you started this


ya so correct lor thirty years lor you will pay thirty years you will get back your principal, and if you survive your principal you'll get back and then you get something else at fifty five after fifty five lah basically the the the interest or whatever the the compound annuity is all after fifty five lah you get back


okay well, okay err I also buy travel insurance I buy I used to buy a lot of, travel insurance the annual global type because of work uh and I fly to US US is the number one place where it cost the most to get coverage I found because it's high in medical cost


so if you want to be covered in US, every policy is more expensive uh they they draw it out as a region itself, right if you have a asia asean you know or apec not that bad you know but once you go US it's even worst than europe but even that because once a year I go twice I will definitely also


that I need to buy and ya that one cost like a few hundred dollars also that's also something I invest on , ya I think travelling is even worst it's even more uncertain than burning down a house


more things happen during travel like people throw away your luggage your luggage didn't return don't know why and it


but the travel insurance is not medical insurance it only it's for the flight itself these are the things you have no control , right, if your luggage didn't arrive for twelve hours it didn't arrive for twelve hours, ya


I think if you travel out of certain countries in asia you should because the the cost in asia if your luggage is lost they can get it back for you round trip four hours six hours in europe US you can't have this kind of round trip you and the weather is different if you missed your luggage


you need to be compensated because one it may not come back two it may comes back is after twelve hours to twenty four hours for them to make a round trip , right and flight delays in asia even for budget airline not you know it's it's rare lah you know because the flights are short but anything more than six hours they always mostly have some sort of delay


and I think it's depending on country if you went china you should always buy insurance because the flights are always delayed


ya so the insurance protects it's only because of familiarity that you think you don't need but in other countries where, they just work that way right like china flights are always delayed don't know why if you not on the first flight the last flight always delayed to the next day don't know why also could be then they'll say is wind too windy who knows why is too windy


ya, I think that's air that's airline lah the the airline give you certain a assurance uh if you travel in US american airlines doesn't assure anything lah even if it's a american airlines


I I took american airlines many times lah I think they destroy my luggage, then if you take delta sometimes they'll beat people one you definitely need insurance , then do you buy car insurance no don't need third party


I never bought a car so if I never bought a car and I never had any, in accidents on the road before if I buy now my premium is very low is it


really ah, how much is car insurance in singapore


a year , that's more than my that's about the same as my personal insurance ah, some of them !wah! that's a lot ah thousand five per year even if I, nothing no record of anything no damn demerit point in my life


!wow! more than thousand dollars is still very high ah, what does it cover what the car insurance cover does it cover everything


so can sent it back to the, to the motor shop and then they will do up everything and it will be covered under insurance


is this is in excess or is fully claimable ah for accident, now I guessed for thousand five is okay


uh they have a percentage ah, so if you are at fault you pay for percentage of the uh the the repairs uh


okay got it, okay that's quite interesting maybe next time when I buy a car I will ask you


so if you already have car insurance what would change your mind to go to another car insurance company price only right


I think insurance car insurance is expensive in singapore because cars are expensive in singapore, right the insurance is to insure the value of the property if cars are so expensive what over hundred K in singapore ya of course expensive ah I think malaysia insurance my friend say are next to nothing


yup okay


on the append (uh)


negative experiences, !wah! I let you start this one ah


I have too much


ya so I think work, work is really like the forms a lot of negative experiences right because it's, so much of our lives a lot work uh basically basically a lot of people rely on work ah to get by right and


it is very political it is very competitive in singapore uh you know we are pit up against a lot of foreigners who are claims as talents , who might not need you know to feed a family here but we did need to take care of kids buy a house it is a very competitive landscape


uh you know when things are competitive it gets political right it's like staying in china or india where you have the few largest population in the world ya is it competitive ya hell it is right most people can't survive you send most singaporean to china they wouldn't be able survive there


it's a fact the competition is stiff they are not structured they can afford to be semi structured or unstructured india is about the same uh people would come out think, they are cream of the crop, they do have certain some of them lah not all some of them do feel like they are very


one caste above others right, and then in singapore we we just want to live a normal life to get by get our best deals wait for movie vouchers do combos on credit cards


I think these for me are negative experience talking to people who, just want to get by and don't understand life, that is negative ah, because I think people just want to


get by without a soul, all right and that ya that's sadden me ah so is negative all right I feel sad that people don't care about anything, except for how how much discount they going to get on saturday sunday for dinner


uh (ugh) is those are no bad things uh don't get me wrong but it can't be just about those things it can't be just like, it's very simple right if you don't care about, your landscape your work, your your environment then rest assured that


non of these things will care about you right because it's about the amount of time you invest into these places right ya I mean is is like saying if you study a lot are you likely to get better result ya you know, and we call that meritocracy right then the same is the same


in terms of investment in our work our relationship, uh you know making sure of what's going on in environment ya but most people don't do that right they they try to get by their job uh play some politics


and then you're shift it to somebody else and half the time big organisations are able to do that right you you can shift somethings away from you , ya and then you you cause pain on others and then you say like I got by another month


negative ah, ya


so so so here's what I think right, you can if it is possible not to have a negative experience and still do all that you have to be some sort like a sociopath like that don't care about other people feelings


I think if you can, standalone and breakaway that means you are quite capable in some ways that means you are not , you might be playing politics but not in the same


gutter type of politics but if you can survive usually means you are of some importance the problem is a lot of people also don't have the skill set to get by, right if you are non critical in the job role and you don't play politics


it does seem like you are the next person to experience a very negative experience means you get fire soon right, ya look


ya you you look at very huge organisations like bank, uh big four accounting civil service , god knows right how much driftwood there are right in all these places and you know and one role might be divided into three roles four roles of responsibility and each pushing to each other


uh mainly because ya they can afford to hire and pay people but then you have you have a very small piece of role to guard and if you don't guard that well is gone from you then you are useless already right so you try to make everything so much out of that little role


the mileage right that you look you pick on the words you pick on the time, you pick on what people are talking about it uh but uh you truth be told would the company fall ah because you are gone tomorrow no obviously no know when the axe people it goes by the hundreds right the whole I've heard of departments disappearing


alright but when you have the job yup people play that much politics just to keep their job but does it help ultimately it doesn't, so I think these are negative things that I see but when people don't feel it they feel like they are doing a great job guarding that little circle in the sand around them they feel good ya


negative that sad, uh ya


ya, so what do you think is the, angriest or saddest thing that you have witness whether is work or out of work


ya I think that's as negative as it gets, so are we for help to blame for


think we are really desensitised already, I think I can start lah maybe for me I think, terminally ill kids saddens me


kids who don't have a chance to see adulthood diagnose with leukaemia cancer, spinal fluid issues, brain issues ya it saddens me that they don't have the chance to see the world be active and play like kids


and died I think that is one of the saddest thing I've feel, ya uh I I mean I had that compassion for, for kids because, regardless of who we think is evil or good right usually as kids it doesn't really you're not


evil or good you just a kid right until you reach adolescent after that but kids who don't have a chance to survive, it's very unfair and half the time half the time I really believe it's just medical care


and in countries that can afford, not too bad countries that don't have medical care or they can't afford because the, uh the quality of life is too different then, ya very sad, you know you don't have a choice right sometimes your kid is just sick and when you choose to have a family you take those risk actually it's not even that ah like even you can get sick anyone can get sick what kids for me is just a bit special because I feel they haven't seen life yet


right, then the rest of things like you say everyday life ya there are things that make me upset lah uh, it's not the saddest it doesn't make me the angriest but the angriest ones are the ones that we have a way but we can't do anything about it and those are monetarily involved like because we don't have enough money therefore


you will eventually be in pain suffering and death so these are things that make me angry like we don't have the resource to help people who need help, ya, there will always be like that half percent one percent of people that need help and it's not because they didn't work hard right it's just because the circumstances were stack against them you know poor people make poor decisions


and if they even get sick there is no decision to be made uh, there's nothing to blame about them lah working hard it is just they need help, right it's like in we are in generation where some of our parents didn't study enough can you blame them no right what can you blame them they didn't go to school


it was not an option ah you have to make a living it's the same for some some of these people in this uh tier of society they make bad decisions because they are not educated they don't understand and they don't have choice, and if they have kids that are sick it's worse they don't even know what to do


maybe bring it to the church or the temple sometimes, you go to a church slightly better folks at the church seems more educated you bring to the temple don't know what the guys going to do also, right, so ya I think these are sad things ah that nobody nobody really wants to look at it or think about it at night right before they sleep but uh I don't know why I have this type of brain I do think about it


but these are cases where you are talking about people have been mistreated when they done nothing wrong to their kids right growing up


you know what I've to got to say for that, parents bear some responsibility, right if you are saying a generation of people like that, then maybe somewhere we have raised them wrongly without values because schools don't always give you values


right we sent everybody to school with in the seventies or eighties we think that's the best way and which probably good but as both of the genders go to work and the work force


I think the values is either given by the helper the maid or the or no one already lah I don't know, for friends right friends from the streets, right, oh when you have a society without values is that more prone to happen ya you know in certain poor countries like you hear thailand


indonesia uh even developing like vietnam very rare ah you hear these sort of type of things very rare, right then in more slightly maturing economy china do they do that ya they have the thing call Chaiqian right which is like a one household the government wants to take back the house how many members of the household there is and then they pay out


and yup children will fight to the bitter and with parents to get their share because house is a scarcity in in in china also right it's it's really very expensive if you stay in tier one cities, singapore


could be also a reason you know when things are expensive in the like house, then there is a reason to fight over things right then the only question should be what's sort of housing are they looking at if it's like a bare roof, over for people


should they be, so difficult to achieve no it shouldn't lah for public housing because that's the point of public housing if you are talking about kids kicking out parents out of bungalow or semi detached because they are two three, units uh that's a different story right if you are talking about kids


staying with the parents in a three room trying to kick them out ya that's also a different story


but parents son relationship is a bit different from others ah like, if you had a foul with your own son daughter and got kicked out is very serious eh something is very wrong in relationship or the way you raise the person right


I I mean there will be crazy, ungrateful people who are like that but you know should not be, it should not be common also lah I mean for you to say that is to say it's it's not


I mean to say that this is one of the sad things you see means is also something you seen more than once is it or is it just once more than once , ya [loh] so I I think that's quite scary ah, something is very wrong


a lot of people can't survive in the society so they take all their parents have that housing you know there is stood there for thirty years and they can milk some money out of it like those so this is a society problem ah they can't survive then they what they do they can't rob and steal so they sort of rob and steal from their parent lor


because housing is the only asset left right for people who are born in the sixties then, if you are not a self made person like you didn't know the business you work you probably had a house and the money in your CPF is also in the house


ya, the only thing that your son or daughter can take is the house, for average person right the middle income, ya so for example today if I didn't have my own house and I my own family


would I be thinking oh I want to stay my mother's house ya maybe why not it could be and if they are very very difficult to stay with , ya maybe the thought would come across their mind right on when can I have a house myself, right so a again there is a lot of things right public housing should be


ya available lah without killing us paying for it may be that will stop somethings and also give elderly some I err somewhere to stay lah I mean I don't know how they can be kicked out of the house to be honest I'm sure we've policies to protect them but if they can then


ya it's not a good thing, last one, we can talk just for a while describe the time that you feel nothing you do is good enough


ya I feel that when I go out to the sea to fish and the every the wind is good the water is good there's not rain and there's no fish and I feel that's nothing I can do is good enough


the other party doesn't want be pleased , sometimes they don't want to be pleased and sometimes it is not just


it it's personal right a lot of things are personal it's not always the work I think the work , if you are not at the bottom of your skill set and performance you should get by but you want somebody to


say you are good enough I think that's a bit interpersonal like the person must , like you or there are some people who think like if I manage people nobody can ever know they are doing a good job so don't be too hard


okay, can stop now I guess


positive experiences, uh okay


describe favourite activity to unwind and relax


oh what do you like about travelling


so you basically, so basically running away from your daily life is the positive experience


running away to a different life is a positive experience , because that's what I'm hearing , I think for me positive experience


in terms activity ah I, I mean hobbies work for me fishing watching movies, experiencing something different, sometimes it is not positive in a


in a way like people give you very spicy chili and you burnt yourself uh but I still view it as a positive experience so I think I've a slightly different view on activities, I look at trying new things as positive


even if they are not always nice, uh travelling I guess it's you know sometimes is the same way you don't always get positive experience maybe somebody stole your wallet somewhere maybe somebody sold you something that didn't work or is more expensive


ya but I think we usually take it as part of experience right


ya I think the it it's about risk appetite right you the more you going to places you are unfamiliar the more you press on into that uncertainty and , the outcome overall should be positive is if you don't die from it right or you don't break a hand or leg it should be positive


ya but it's not always pleasant like if you went to a country and didn't like the food but you like everything else is this still positive ya I guess so right you can't hate the country because they eat their food and you don't like


that one is a bit subjective ah I think travelling a bit different from staying there to understand and doing things locally I think there is a bit of differentiation we sometimes we confuse that we travel enough we think stay there and know enough


uh which a bit different, uh to really get experience like, whether is positive or not in a country I think you have to stay there, for one two months like pay bills go to market cook something uh see whether you know administratively things work there for that type of experience lah I mean basically


then you can say oh that is a good place to stay but most of us just travel there three days four days one week two weeks we go back to our lives right then we see the good side of it of staying in the hotel we stay see the good side of being served , in our currency that type of positive experience in my view is bored positive experience


the only way you really say is a positive experience is you went down there to stay and, uh people were nice your neighbour helped you because you didn't have this didn't have that uh somebody came and fixed your power because, you didn't have a water heater and they did not overcharge you ya I think these would be nice things only you can know when you stay the rest of it half the time we buy it from money ah the positive experience it is a tourism industry ah for the experience


so is travelling the only thing that makes you want to be alive do you have any other things that you feel like other than travelling let say like you cannot travel forever you have to stay in singapore would anything else you make you feel positive


wines is makes you positive !yay!


very good description, ya but usually by the third glass the time capsule disappear I am on the roller coaster ride already ah !woo!


okay so wine so if you couldn't travel you probably have to wipe uh lock yourself in the wine cellar forever, okay, uh I think for me if I can't travel ya I got things to do lah I mean err I connect well with nature I like to read watch movies


I should lah I think I can stay in the forest uh but ya maybe you like with a proper cabin, so uh it's not so difficult for me to not travel


but, it is hard for me to stay and not have nature in a sterile environment I think that is difficult for me, ya if you can't travel and you don't have nature , it is pretty painful


right that would be equivalent to be staying in a dormitory forever in your life, ya I tried and I fish ah


ya I track and I fish I think these are things that I like , it's also a bit different tracking in south east asia is extremely humid, there are limitations and there isn't a there's no mountain real mountain in singapore right the altitude doesn't give to the point where you feel cool


it's just hot hot hot, if you go malaysia, like Kinabalu all these they ya you get some sort of experience that is different because that's a mountain, mount faber isn't a mountain


ya, ya ya ya so na na I think nature makes me is ya nature gives me some positive outlook you know like


I think ya I mean for for as long as man has been around we connect with nature what so nature gives me a positive type of a feel uh it doesn't need to tell me or do anything for me but ya I feel it is a positive experience when I interact with nature ah


ya from uh people's point of view, uh, it's time to time you experience positive experiences but most of the time it is transactional in our life so transactional experiences


you can rate them as positive or negative but they are not very, uh it's not very humanly, interactive right it's not like oh , like you left your door open somebody came and ask if you forgot to lock your door or


or if you tripped and fell most people in the streets will ignore you , they will not ask you how so, I will say staying in singapore mostly are transactional uh if somebody bothered to ask how is your day a little bit more


you probably think they are also crazy or why are they doing this ah just want to don't talk , so there is uh very different, expectation ah to how we view as positive experience ya


right, ya


ya why don't you pick up fishing with me , bad experience, the the person who taught you didn't know how to fish enough,


so this tells us positive experience or negative experience depends on childhood


so that's the other thing right so our experiences define what we think of positive negative uh in variation right like that is like a spectrum of, good to no good and in between good and no good there are variation and then the childhood ones are the ones that we are influenced by but I think all my life I try not to get stigmatised by what I did as a child


err because I think it hinders your personal growth , like when I was a kid I could not count well, uh when I went to study engineering I still could not count well I like mathematically just not very incline but I think there is some point where you can't


surrender because it might hinder your growth uh like right now I'm pretty okay and fast with numbers I not a mathematicians level but I think I'm good with numbers already looking at, if I have to look at balance sheet p and l


costing ya I could easily understand things already , so there there are things whether when you are young you're stigma with but should not let it , uh pull you down forever, and this also goes in terms of


uh experiences right if you are bitten by a dog when you are young like I have friends who's like that but generally dogs are harmless right ninety nine per cent of dogs don't bite right it's quite hard to find people who are bitten by dog but if you the one guy one girl that is bitten by a dog ya


too bad right but doesn't mean that dogs are dangerous but they they can't get out of your mind like you say so we do have to challenge ourself in these areas for positive experience right if if you have a bad childhood then you probably think the whole world is against you then nothing will be positive as well


right so I I think positivity is very, personal, err I don't feel a lot of positive things mostly I feel lack of


compassion is uh not is uh is not positive to me right if there is more compassion I think positivity will increase so even positivity their foundation right if you are a compassionate society of people


better if you are socially responsible morally better better people ya also better experience also right then they contribute I look at these things more than, incidents of things like today somebody help me ya that that might be very good like in the last two years maybe one to two persons helped me


and it's a self abusive relationship ah you think you given up uphold on humanity and then there's one person who does one nice thing to you and then after that you think yes people are good again then after that another one two years of people bullying you again until the next person says that no humans are not like that look at me


maybe that's why you like to travel right because people outside are different


so can you describe a time where you made a comeback and your faith in mankind was renew , like uh like you feel like people are evil bad people and then suddenly you feel renewed by positive experience and


you think like this is a good deed, your faith in mankind renewed


so come back for me let me think, ya maybe emotionally there are some comebacks ah if, there if you didn't do well in your job and then you did it well if


you felt like things were not working for you personally in terms of, uh relationship with people and then you sort of like come, I mean on and off lah I I have things like that uh but that's the thing lah I don't think they are either positive or negative I get annoyed by it so annoyed maybe negative uh the positive part is I don't really care that much


about it to impact me, but there are some things you can't ignore right if you lost your job ya harsh very harsh you know if your boss didn't like you, very harsh right and yeah like our life usually is determined by if somebody like your work and said good job well done


of course we are also speaking from a male point of view lah I think for, ya very subjective ah gender base, like, women get quite happy sometimes shopping food korean drama


I have no idea how I can lift my spirits up like that !wah! it's a, I think we wired quite differently, and in terms on encouragement I think that encouragement part is depending on how much


bad experience you had as a kid , if you grow up with a family without encouragement then the world is like that isn't it , if you grow up in a world of encouragement and then you didn't get it in your life later on


then life is very different isn't it then maybe you have to get encouragement somewhere else lah you know like a , uh ecosystem right maybe friends, uh external bases or religion, but ya it's really I think this is a hinge of upbringing my


elder brother, did not think we grow up in a, happy family so he decide not to have kids, is it wrong no but, I am actually quite different ah I think because of that experience I think I want to have kids and have a happy family so


supposedly negative experience even in the same family, err makes you very different right it's positive for me, it's negative for him don't know why, same family you know like like he he would not have kids because it's scary uh then I think it's okay


very different


ya but it's a matter of spirit also lah if you want to accept it is it is right you can feel jaded about it you can feel upset about it, or you can take a chance uh it's the same like having a family starting kits or getting married lah eh nothing is guaranteed on paper


which of it is it isn't right you take a chance you do your best , ya you do every does do everything positive come out not always, uh uh but even even when the things are not in the best of place something positive will come out err that's the best thing right that we can do is to get from experience is to find something positive


can I stop the appen now


okay, part one financial related topic


okay, okay, one financial related topic


uh well from hindsight I had a life insurance with uh aviva uh reason why I choose life because uh life is unpredictable , I didn't know will happen after certain term and that time because I started early so although life insurance is expensive but because I signed up early so it


wasn't that expensive uh I had another accident uh insurance uh that is to med more like medical hospitalisation in case anything happen that was with uh aia and uh that was because it actually is more of a support


for my cousin uh because yup he'd signed up as an insurance agent and ya I just went along with whatever he recommended uh and because he was someone that I trusted so uh whatever he gave to me and I just follow uh whatever he recommended ya


another insurance that I had was uh for the house uh that is also important for me uh because uh ya you never know what kind of neighbours you have , and uh, and because the uh HDB insurance for house wasn't coverage wasn't good enough uh it didn't include


everything that was in the house so I have to get an external or a another aia house insurance just to make sure that it covers everything else, uh I think for mine for the aia it offers to cover uh your furnitures uh anything fixtures in the house and uh any appliances and everything else ya that's the slight difference from the HDB one


ya correct , uh I mean it's very important because uh ya just like uh last week uh ya near my house there was a big fire where the sixth floor burnt and ya at #bukit panjang# so it did affect everyone in the neighbourhood


so ya that's that's my thought and I believe ah ya you really can't control the that external factors other than what's in your house, uh yes average it's it's slightly a bit more uh on average it's around fifteen dollars uh


a year I mean fifteen dollars I remember but can't remember uh how often I have to pay ya because ya, it was quite quites quite awhile


I think it's more of facilitate the person first the agent uh so he has be someone that I know, or it has someone that I could see that he understand my needs ya it's not the someone who does push everything or what he wants so he has to listen to what I want first or what my needs are


and then from there I will see uh whoever introduce and of course price is also a factor, so basically how much monthly I have to pay what I can afford and what is a comfortable range for me


yup, yes true, I mean yup payout is important and more importantly the whoever is the agent has to help my next of kin or my, family because I my parents are going to be very old they might not know what's the process the procedure and it very dependant on this agent or friend who will really help


to guide, uh with the payout the process and everything cause it's a very long tedious process, so the after service is also if very important


correct because agents uh my first I think I change insurance agent, a few times especially a first few, earlier years because these agents are orders coming and going and then uh yup I have to always go search for new one or the insurance company always have to assign someone else


where I'll guess now are is usually still healths that always the basic foundation


yes correct and maybe it depends on uh your your stage of life I mean if you have children definitely they are next your next most important , so definitely what kind of uh, insurance you want to get for your children


uh whether is it their education their health, for ourself uh I guess ya I still particular about health that's still the main foundation ya


yes correct uh well I mean that would depend if I want go into those uh endowment plan you know those where I will see returns in uh ten to fifteen years ya


yes true, yes true


ya true true I mean that is hard to predict ya that is really hard to predict


yes true true, I mean uh it surely hard to tell but at least there's there's something on some sort protection ya there's some sort of protection


mine which is uh okay because mine is life so I mean one the one that I had was life so is definitely until ya until the end


a certain, each yes correct, yup I think mine is around fifty five of age if I remember correctly ya that's the, ya I started at uh twenty I think was twenty five was twenty five


ya, ya thirty years yes, correct


yes correct true


right


eh yes correct, I mean ya I mean do heard of such stories but uh for my side I don't buy travel insurance usually uh basic because one thing I I go places that I'm familiar with or places that I went before several times uh friends are there uh maybe because I'm young uh I


I always keep a cautious lookout uh so basically I never see a need for travel insurance uh, yup it's, ah true yes correct I mean delay and everything ya


yes, correct that's the coverage uh , uh but for my side ya I never see I have never seen a need for it or never really bother to look for one or go and buy one ya


ya true I agreed uh always have heard of colleagues uh who always have their luggage missing uh and it takes quite some time , uh to sort it out to even get, your luggage and they even get it on flight, to come to to you


yes, true true ya, that's also a err reason why ah my company also always assure that uh we travel on certain class so that we get certain priority also so depend on on the position ya that's


yes, correct true, ya I mean certain


ya I think so that that's why, uh I mean car is definitely a must uh cause when you'd when I buy my car uh it's definitely a must to have insurance uh for me my car insurance with NTUC uh income because that was what recommended by the car dealer and


ya actually uh it's more on what it covers uh and the price point is also important because uh car insurance is going up , due to the high number of accidents that are always happening and uh claims are going high high number of claims are going higher and car insurance want to claim back whatever they can profit ya


it will still be market rate uh but then insurance company are pushing the market rate up, so they just want to try to ya charge a bit slightly higher than everyone


depends on average uh now is around moving towards thousand five mark ya yes, correct


maybe it be lower so but you've to compare across different uh, different insurance company, ya, because now, basically it just cover uh almost everything that involved a car accident


yup whether it's damage repair, and uh whatever need to fix for the car, either they in


yes so it's the usually it's the insurance uh designated workshop all their range of workshop so you just have to make sure it's towed to the right workshop and then they would just evaluate they will get a evaluator to come down uh they will evaluate and then they will see the cost and then they will pay the


workshop where they will needs to do repair and then get it done and then the car is yours back to you again, okay as long it's not your fault uh there's no need for you to uh fork out anything so it is covered by the insurance


yup, so whether it is your fault or not your fault that's also another story that's where you know video uh insurance company need to evaluate and then all these yes


uh I think is at fault so your the other party will claim from you, from your insurance so your insurance company have to pay the repair or whatever percentage of the other party and your repair


yes because uh number of uh ya, cars on the road are going up basically mostly private hired, so there are just too many risk is getting higher, on the road


like me is price uh some will stay on because of the uh NCD that means that's a no claim discount so as long you stay with one insurance party the longer you stay the percentage goes higher usually in a increment of ten per cent every year


and because you stayed the longer you stayed with one insurance company and you have no claims of course you will get more discount so that's one way of holding on to you, another way is where you always go and search for a different, third party


eh that's the main factor also yes, yes


yes cause easily one uh accident repair where I shall had easily cost you a few thousand over dollars


on the app okay


negative experience okay


well negative experience uh I guess I could start with uh, work politics ya I mean it's ya a very sad environment uh basically that was in one of my job in the banking sector uh the moment you step into that environment you could see uh politics running through


uh from head to toe uh everywhere there's always politics whether it's the upper management middle management and uh it's a very sad, and negative experience to go in uh at nine AM uh it's definitely not a place that you want to be


uh maybe that's also why I want to get out of there during with through my holidays uh, uh ya not not not wanting to be there uh, ya it is it's definitely not a place that I want to go back to


yes, true, and, ya, I mean by passing on these pains to others it becomes a very uh negative culture and then it gets spread like a disease and then everyone gets pull into this never-ending uh rat race where people starts to play politics


and then everyone plays along the game , yes true true


I mean that that's where you have to be different , uh even though everyone looks you surprisingly that you know you are some weird weirdo ya, but, that's life you know if if you are really can stand on your own firm in what you believe in


ya that that's when you break away from all this negatively


ya true true, I mean usually if you don't blend in definitely you have to go out ya ah, or unless you have to find a different a different environment, ya correct


ya I guess these are also people who are selfish uh, uh who only look in their own interest, and they don't see a bigger picture so they are just living in their own world uh caring about their own uh rice bowl their own benefits and all these


angriest and saddest thing ah


there's negative and gets


ah yup, correct, okay


true true ya


true, well


okay ya, I mean for my part maybe one of the saddest is where I will see uh grown up children try to kick the parents out of the house uh you know try to take their retirements, funds money from them ya that's because of some selfish needs ya I mean uh regardless how difference you have with your parents there shouldn't be a need to do all these yes when you grow up uh you may have difference in whether what you want to study what you want to work


your your choice of spouse ya I mean everything everyone would have their own opinion uh but in end of the day it's coming to a, center I mean where you will you know agreed on something or where you don't agree but you still are family uh by trying to kick out someone who raised you uh from young which is not an easy thing uh you know it's really really


something is wrong somewhere, ya uh cause these are people that who are old and then you know they have done what they should do in their life and just let them live and or enjoy their life for the rest of the years ya uh and these are things that will come back and haunt you in future because your next-generation your kids will see the same thing


how you treat your parents, would worthy memories for them as young kids and them would will think is the right thing to do and that's what they would they will do ya


yes true I mean yes or maybe the some people who cannot take minor uh minor disagreement, and and just make it such a big issue


yes true


all the friends ya, yes


I mean sometime it's really over uh usually money that's really one of the main factor , when comes to moneys some people just becomes greedy they showed that different side of their their own ya, or sometimes the other influenced by their the other half


you know who also wants to try to get more uh, and then uh you know try to get try to uh engage in all these unnecessary uh disagreement lawsuit and all these


it shouldn't happen overnight it should be maybe somewhere years ya, yes


I mean might more than once ya, yes


most rated your biggest asset that you might have


yup true


well for me it's definitely work I mean ya sometimes you know where you put in effort you tried your best it will never please the other the other party


ya true


okay, part two positive experience


uh well for me is travel uh definitely not business travel I mean holidays travel uh during the younger days uh usually with best friend uh that's when you can take leave


go on holiday with a ease of mind uh nothing to worry about at home or work , basically because you are young you also don't care about your work so much uh and also, travelling basically you see a lot of thing uh you feel more relax to really very relax uh and also you experience culture you experience uh the food and different lifestyle


yup and usually it's a more relaxed lifestyle, I think not running away but then uh putting yourself in a different


different life ya, yes, yes


true usually you learn you learn along the way sometimes certain travel experience ya that lets you learn something new and from there it depends on how you see


whatever happens how you take it and uh ya it's true not every travel in travel is positive but for my case most of it is positive , and ya very happy with all the travels I had


yes true, ya I mean also I think as someone who travel often uh if you are able to adapt easily or you can adapt easily then I guess from there you will be able to find positive things


although there are things that you don't like or you don't agree with


ya true true I mean sometimes uh it's a very short experience uh you true enough that you can't take it as uh you know the culture well just because you stay there few days uh of course you have to do many local things


uh to really understand and to really say that you you been there and you really know the culture well I mean two three days is definitely just a short getaway only


uh I guess my wines ya I mean wines are you also pub ya enjoying wines and then ya trying, ya ya, I mean it gives you that it's kind of feeling you know where you go, into like a bit of uh enjoying


this bottle you know knowing that so much effort is putting to this the time that it's like a time capsule where you are opening up and then you know that you know where this wine is been through you know how they get the wine out go through the


oaking and everything ya you you really taste and all this ya, yes true


true, so will you consider tracking as a good positive activity, okay


definitely ya I mean it is very different uh you talk about all these like Kinabalu these countries you know those places have been left untouched for years centuries ya, you see a lot a lot more


ya true true, I mean going to nature it's unpredictable uh you won't know what you'll encounter next you won't know what is what will be tomorrow like , and ya nature really give you surprises interesting


moments where you will never thought that uh it will ever happen, I try fishing when I was young before but it's never ya it's never it's never my cup of tea ya


I mean no one taught me but uh everything went entangled and then ya the whole fishing rod ya dropped into the sea and then ya I just gave up from that


it plays a big part it plays a big part because uh as a child you know your brains works better so that that memory really uh is en craft into your mind and it stays there for large portion of life


true


yup true, yup


ya I mean , ya true, and being a compassionate compensate (compassionate) uh society it's just affect or it just provides some positive energy around the people


and it, which which really plays a part ya I mean which really play a part when you travel you know that this society is more compassionate you know you know people there are more helpful it just makes your travel experience better


comeback uh


okay, I don't really have much come back uh, which make a big impact, uh usually I see all these come back is in movies uh, but not really ya so much on my side ya


ya true I mean some people they really need more affirmative from others just to make themselves feel better and uh with the such affirmative uh they will feel ya more positive


uh in doing their whether is it doing their work carry on with whatever they are they are doing uh but I think not everyone need such affirmative some people know that okay I know I tried my best uh this is the best that I can do no whether matter you like it or don't like it


yup you know it's, yes


true also, correct ya


true, I mean, ya, I mean even siblings ya I mean who grow up in the same environment can turn out differently uh basically very differently be basically one thing is that uh maybe it's also the friends they interact with uh the things that they come across should they read they watch or they see


and all these work different influenced them differently ya whether it's through positive or negative


okay


, part one financial related topic


okay so okay can so for the first question do you have a savings account, if so share your experience and details of your accounts and if not why do you choose not to put your money in the bank okay ah maybe I go first


so for me I do have a savings account and in fact actually I think I have two savings accounts , one of them actually with two two different banks lah actually and uh both of them offer different rates also uh but personally for me I put my money into savings accounts because


the interest rate return for these two accounts are quite high and personally for me I don't have much investment experience so to me actually putting the money in the bank is quite a safe option for me, I don't really have to go and focus on the investment aspect myself also and get quite a steady return lor


so I think for now I will continue sticking with my savings account and maybe in the near term I may consider actually doing something else with the money in the bank what about you


so you have one with DBS then the other one is which account


oh okay ya actually same for me also I had UOB account since quite young, I think the reason why I actually sign up for this UOB account is because not just because of the interest rates lah but also because the ATM machine like you know said more convenient


compared to DBS POSB ATM machine which are always very crowded ya ya but actually I do have another one also with standard chartered, they actually have quite a high interest rate as of now now it's okay cause of the COVID period is like one percent


but actually pre COVID it was about two percent I think it's actually quite high but if I'm not wrong it actually only covers up to a certain age so it's it's mostly actually targeted to the younger people who are actually saving money


so ya I will consider this quite like what you said also quite a high yield bank account like your DBS one lor I don't think there's a fixed deposit for mine but I think what standard chartered requires is


okay they don't require anything but I think they do have a cap on the interest rate so for the first twenty thousand dollars they cap it at two percent talk about pre COVID interest rate they cap it at about two percent then


ya anything past the first twenty thousand dollars will be about zero point one percent which is actually still quite high compared to other bank so I think personally for me is quite attractive lor ya do you have an account with standard chartered


but actually you do have the DBS account right is quite a high yield also is it I see so what what privileges or what cards do you have from the from the account credit cards is it you were mentioning


credit card okay so do you actually spend on your credit card now or you you don't actually,


actually I don't use any credit cards ah I do have a supp I have a supp card uh but I don't use it because I I feel like there's really no point now and also I think


ya it's very easy to fall into the the credit trap also like you spend beyond your means so personally I don't want to have to be watching, how well I service my debts so and I think actually allowance is enough for me presently I'm still getting some part of an allowance from my parents


I think that's quite enough for me to actually get by I don't really require uh a credit card at the moment uh I do have a debit card however I think that is convenience lah like whenever you need money it also serves as an ATM card


ya allows you to make visa transactions I think it's quite useful I have a debit card from both my UOB and stanchart accounts I believe


oh, personally right I don't actually know what privileges these credit cards give I mean I I know that they they offer cashback points or miles but I don't think I have actually done enough research to actually identify the type of credit card that I want to use


I don't know what do you think what about yourself cause you have one right


situation ,


agree yup, , spend beyond your means


, it's not ideal , right so this is UOB account and this DBS account is actually an account that you set up specifically after you started getting salary is it from work oh okay


, I see I see have you taken any loans before,


no I haven't also okay personally for ya you say


uh scary daunting,


(hmm)


, take take


, true lah I think on the topic of loans right I think that's also why I don't actually have a credit card also think that idea of taking loans in form of credit uh actually quite daunting lah as you said so ya I I think for me personally I still prefer sticking to


debit cards ATM cards you know just living with what I have kind of correct living within my means but okay I'll say that personally right I got this ATM card pretty late I got it at about I think I got it at


fifteen years old ya do you know consider that to be old or young fifteen I think fifteen when did you get yours oh eh did it come with the


ya my parents give me cash allowance


, !wow! but what age do you think is right for maybe to get a credit card


finances


you should spend it ya I think I think that is actually the difficult part right of teaching how to uh teaching your children how to manage the finances manage the finances, because like I guess you want them to properly manage their own accounts so they like you said you give them an ATM card and all that


but as to whether what they see as important to buy would actually be very different lah and I think for especially for young children there always be a problem lah personally I feel , so ya I agree with you lah I think children should definitely be given


ATM cards maybe in their secondary years I think that's quite reasonable that's when they start to they're teenager starting get a bit more independent , credit cards I think can can wait a little bit longer lah credit cards maybe even even for myself I feel like university is quite early to have a credit card actually because what are you actually going to spend on I feel like


credit cards probably hold out until you you are done with uni maybe in the last few years of uni when you actually starting to get money starting to actually have things to buy things like that lor ya what do you think


, in uni


ya I do I do, , !wah! I don't actually I don't have much to spend on actually and in fact that


I think it was more of like a just in case if I need it but actually to be honest I don't even bring it out of home ya like it's actually just at home ya that's why I that's actually how, I view it like I don't really need it at all not even as a backup because in what kind of circumstances would I need a sudden


maybe a few thousand dollars suddenly in in in an in form of credit


visit the doctor, visit the doctor


that's actually what I'm afraid of because I don't have okay I will usually have my day planned out I don't think I will actually or rather the chances are very slim of me actually coming into a situation where I need to spend a lot of money lah, ya so ya definitely I'll probably consider bringing out after what you said about the slipping and falling so I guess like having


that's right lah having quick access to money is also quite important actually then in in that case you can just bring around the ATM card right


I mean given that there is an ATM machine around lah


(mm)


, part three negative experiences


okay , okay I have actually so (hmm) that okay I would say that actually what happened was


let me let me try to recall what his name was the the cat the kitten okay it was a it was a little kitten basically it was before the three kittens that my grandma had


I think okay cause I'm I'm uh past my twenties now at least this cat was actually around when I was five or six ya so it


ya it was quite old by then when I was actually a kid ya was before these three kittens uh that my grandma presently has the one that I told you about the the black white and brown one ya this kitten was actually ya it was a brown kitten basically a cat brown cat


it actually died of some complications I'm not sure exactly what it was I was quite young back then but I remember actually being quite sad I think firstly not just because it was the first loss right I ever had in my life


but I think, also because the cat was always around when I was young lah it was my companion and ya it it was very it was very close to my grandparents also I think they were very devastated at the cat's death also


ya and personally for me I I do feel like ah I think you look at the bigger picture you know life is so short whether you're an animal or a human or any living thing on this earth definitely you definitely need to treasure what you have lah


treasure people around you and how I feel whether about dealing with this loss was I think it it take it took time ya , cause I kind of had this bond with the cat also it just takes time lah I guess it's difficult to actually say you know get over it


just get over it it takes time and definitely you need people around you also I think close people makes you feel better for these problems also lah ya give you a more positive outlook on things also the people around you ya


what about yourself,


oh good


understand okay ya lah I do believe that life is so short and you know I think one way to really maximise your life is to actually do things that you are very happy with


do things that you truly like to do and with things that ah that you don't like to do which definitely would be inevitable I think one good way to actually get around that is to find ways to manage it lor ya


so I see okay so personally you haven't gone through any traumatic incidents ya


, okay okay I will say that


there okay there was actually one traumatic incident that I had nothing actually happened afterwards it was just the the incident occurred so what happened was one of my cousins actually


almost drowned in a pool like right before my eyes and what happened was actually back then I didn't dare to actually go save her, even though I knew how to swim because I I myself almost drowned also when I was younger ya so personally for me I have actually quite


a fear of water I I have quite a strong fear of water which is ironic because I actually enjoy swimming also, ya so it's strange lah I guess if that thought doesn't pop into my mind everything is fine


but there are certain moments where if I'm reminded of that incident definitely I do feel a bit scared of the water also I think it's been a long time since or rather it's been a long while since actually that incident happened and on my cousin and on myself


but definitely it doesn't come back very often but it does once in a while but I've been actually been taking steps to try overcome this trauma as well , so I've been you know going on activities sea based activities water based activities like kayaking canoe polo these kind of things to actually


you know try to get over this traumatic incident ya so personally I do think that to get over your traumas you actually have to work actively ya you definitely need people who are supportive as well lah


ya, actually I think she does she does and I think she she actually also made it a point to learn swimming and so ya we've been going swimming quite often also together


and I think that's also one way to go about you getting away a trauma traumatic incident actually to face it and I think how to face it better other than to actually go through uh face this trauma head on with the people


that have the same trauma as you and actually went through the same thing as you I think it's encouraging ya , what makes me stressed ah


(hmm) okay I'm in uni now so definitely work makes me stressed,


okay firstly I think firstly definitely is the difficulty and volume of work I think if you have very easy work but a lot of work I think you'll be okay because really need time to complete everything it


having difficult work and a lot of work takes it a notch higher I think it becomes more challenging because you not only have to set aside time but you actually have to set aside more time and you have to set aside focus as well I think focus is one thing that


you really have to be in the mood to study lah I feel ya and definitely I'm getting stressed over that also because of workload and also the the challenging nature of the work that I do the course that I'm taking


I think to take it a notch even higher I think like what you said the idea of not actually getting the work done is actually the most stressful part of it , I think actually if you took the time sit down learn the things properly put in the right amount of time and effort I think you can actually complete difficult and challenging work and you can you can complete many of them as well but I think it becomes stressful


it becomes a mental torment when you actually think that you cannot finish it so to that end actually , I do feel stressed about that sometimes when the work piles up I think is very natural to feel stressed about it especially when you have to live up to some form of standards


ya but ya I guess you you have to deal with it also facing it head on you know you know nip it in the bud lah nip the problem in bud so , you need to identify what is actually causing this stress so personally for me I would say that what you mentioned the idea of not being able to meet


a certain level of results or or certain level of my own expectations is something that stresses me the most so what I do to actually counter this is tell yourself few things you can do to lower my expectations or to work harder lor


ya , I guess oh I've really been taking the time this summer to actually rest and relax also to recharge before the new semester I think that's been great definitely ya what about yourself what stresses you


makes sense okay so you were saying that you, have these expectations of yourself right so is there any time or instance where you actually didn't meet such an expectation


(mm) okay


, part two positive experiences, okay we can start off by talking about one of my my comfort foods actually I would say that all of my comfort foods are actually just my grandmother's food


ya I think home cooked food is truly is truly comforting lah ya and ya I I guess actually because in my best times in my lowest times most tired times


I'll always be at my grandma's place eating her food so personally for me I enjoy visiting her of course I enjoy eating eating her food also and just ya spending time with her lor so actually just later on in a few hours time I'm going to her place also


, what about you


paternal actually both lah both but more so my paternal I think I spend more time with them , ya


I see I'm actually quite close with my grandfather as well ya like cause I actually grew up with them since young so , a lot actually another comfort food or maybe comfort dessert is also this jelly that my grandfather likes to make ya so what he usually does is it's quite funny cause he will actually have to sneak it home


so that my grandmother so that my grandmother won't actually catch him try to make jelly for us cause apparently to my grandmother she thinks it's unhealthy so it's quite funny cause he will he will like head off to to supermarket get some instant jelly


sneak it back home in his pocket then make it when my grandmother is in the shower and then we'll have it after dinner and then ya and then everything is done so secretly that now whenever I see it it's kind of it brings back memories lah for me ya


it's very comforting


, easygoing, I see so you just have to smell it you don't have to eat it


Kimchi does it remind you of anything, cheer you up lah basically


I see ah Kimchi is nice what what would you consider to be an ideal day for you


like the perfect day,


basically just to let loose lah , I like doing that also I like spending time with family sometimes I like to exercise also I really like exercising I feel like you know waking up early in the morning going for exercise session and all


is great lah ya so I think it really gets me in the mood for the day so every week I do at about two to three times just get up early six AM in the morning I mean it's great it it really makes me very happy actually because


I think it starts your day well when you're productive ya so personally I like doing that that's the start of my day wake up early or six go for exercise and come back have a nice breakfast preferably healthy also then


ya like what you said lor also sit down with family just watch some shows ya but , stay at home


uh ya what, what about yourself


I see I see so okay in this situation when like okay not in not in this COVID situation but maybe I just paint you a scenario , so you were actually given an opportunity to visit any place you can for free at any time you want in singapore


where would you go


like you something that makes you most happy or ya somewhere you really want to go or you maybe you can find some solars there or good memories


actually for me I really quite enjoy going on a few trips like excursion so something that reminds on my childhood lah really makes me very happy for example going to the zoo going to uh to the zoo


definitely not when it's crowded I think when there are few people people you're close with I think it's very nice it really reminds me of my childhood when , ya basically it's very free and then I like animals also I think animals make me happy ya and


no I don't have a pet actually do you ,


uh no actually I'm looking for a pet now ya I love animals so I'm actually looking for a dog and I think I like Samoyeds they make me very happy cause they are white white and fluffy sorry


oh ah ya I guess that's another option also adopting ya definitely I'm open to adopting also I think just generally dogs give me , very positive vibes very happy very loyal when you come back home in a tired day at work or tired day at school


they greet you they always very loyal ya I really love dogs actually ya actually , my grandmother actually has a few cats, ya so I maybe that's where I I learn to like those cat uh like animals as well like interacting with animals she has three cats ah one of one of them is actually brown brown golden


golden something like that golden there's another one that's white and then there's one that is kind of like black kind of so it's like really one of each colour lah ya then I remember when I was like young I always go to my grandma's place and play with those cats


really makes my day so now I'm also looking to get some pets as well lah but personally I I prefer dogs so ya definitely either adopt, why do you have any good experiences with dogs why why do you like dogs


dog videos


that's very nice so would you say that a dog is your best birthday present like if if someone was to give you a dog for your birthday


okay , what about besides the fact that you have to take care of it and definitely you have to take care of it but that aside


can makes you happy


I see I haven't really thought about it, haven't really thought about it but


ah I'll be okay also the interesting thing is right I didn't actually use to like dog you know ya ya I used to prefer cats because of my grandmother right so I used to


like hang out with my grandmother's cats or kittens they used to be kittens used to hang out with them a lot and then slowly when I started to grow up I think I can't remember I think it was one experience when I actually went to my friend's house


and then there was he had two dogs I think two labradors eh was it labrador or golden retriever either one ya and I started playing with them lah and then like I saw those traits and you saw as well that you know mentioned think they really made me very happy lor ya


so ya it's funny cause I didn't actually use to like it very much or rather I didn't pay attention to them as much as I did with cats ah ya but a lot of that has changed


ya I do I'm very close to , I would actually I think my grandma is quite a strong woman in she actually she actually raised six children


six children one being my mother of course (uh huh) so she raised six children and actually still had to run a store in the market still had to do the laundry still had to do the cooking I think ya she's definitely very strong and after my parents


became older and my aunts and uncle aunty also had children so she had grandchildren take care of total of about thirteen grandchildren take care hor, ya and so I look up to her I think that she is a very strong woman and ya I see her as my role model especially in challenging situations I always tell myself look eh if #ah ma# can do that


you can do you you can do this man ya, what about yourself


oh is it oh okay


strong women, interesting interesting


so guess we can both agree that grandmothers are very strong people so she's your role model also would you say


interesting ,


very calm right, , ya ya but I guess I'm very thankful for them also I feel like I'm very thankful for my grandparents also especially my grandmother not just because they raised my parents but also the impact influence they had in my life lor ya


(um) I feel like I'm a mature person much more mature person (ppb) because of them as well ya


okay, eh I don't see anything on my phone eh


oh part one financial related topic


do you want to go first


, for me I think uh it's a similar experience I , have one normal savings account and another which is I guess considered a high yield bank account


uh eh yes high yield savings account and I guess as a, like as someone in my early twenties I feel that , I'm still in the midst of


gaining capital, still in the midst of gaining capital which is why I would just choose to go for this route and, the name of the account oh I'm using the DBS multiplier and I only just started using it because I was kind of attracted by the


two percent interest rate ya but I wouldn't recommend it to people who don't don't have any credit credit card spend because I mean you need to what's that word like you need to


account for spending in different criteria or category before you uh entitled to higher levels of interest rates ya so ya


it's a standard savings account from UOB which I just opened when I was out of convenience uh when I was a a bit younger and I just started to save but


after entering like I think after having like my first salary and I decided to open the DBS one because it offers much higher uh interest rate, ya


oh no I don't would you would you recommend it uh for someone like me, (mmhmm), ya


oh ya so something that came along okay I don't think it comes along but uh at the same time when I applied for the DBS, multiplier account I also applied for the DBS live fresh card and so


because you need to kind of uh at least attain uh expenditure in, oh so there are four like criteria in order to get higher interest rates and so if you know hit two two one of the first one would be that you have to credit your salary and the second one is that you need to


the second one is that you need to achieve any minimum spend there's no minimum spend but at you need to spend at least like zero point zero one cent uh with your credit card and so I just applied for the DBS live fresh credit card cause it seem to be the most


I guess convenient one that was available, , , I I wouldn't consider myself a high spender I just


use it occasionally for like meals or especially I think when I want to do like e-commerce purchases it's pretty convenient I just enter uh the credit card the CVV details and then I can make the


transaction ya that's for me what about you, why, [orh], ya


so I mean understand that you don't have a credit card now but let's say if when the time comes and you need to start spending uh like, what kind of credit card would you be more inclined to get


like or like would you be more interested in getting like cashback or uh points or miles for you lah personally


I think for me because I'm not a high spender uh so points would be less attractive to me because it would take like quite a bit of accumulated spending to achieve like some rewards lah at a certain point


and for me miles I mean , I thought for now like given like COVID in this COVID kind of , background with ya situation like I wouldn't I wouldn't want to I mean miles would be also less attractive lah so I think cashback is a good like tangible reward you know every time you spend you get a little bit of it back


so it kind of just seems like earn uh a discount and kind of like an added incentive to spend, ya but I I also think that what you mentioned about not getting into a credit trap is kind of uh relevant because sometimes like rewards and


uh like ya some some kind of rewards me push you to spend on things that you don't need ya and so I think that's like this coat this is anything that is on sale that you know don't need is expensive which I feel is like quite true lah like


uh this kind of things may push you to spend on things that ya that you don't need and ya create this kind of like illusion of like oh I need to hit a certain credit card spend uh uh like


ya which actually uh like UOB does which is why I didn't continue or use a UOB savings uh I mean they didn't offer interest rates unless you hit five hundred uh credit card spend


which is like not I feel that it's not necessary ya which is why DBS multiplier seem like a better choice at that time


yup I mean funny thing is that they kind of caught me in like UOB caught me also I think they started to realise that uh I have been crediting I had been starting to credit my salary into my UOB account


uh, so they called me to tell me like uh to come in and kind of have a have a chat in upgrade my account or something like that but then when actually I was quite interested but then I like read on I went to google and find out more about the the plan that they were trying to


offer me lah and I I realise that that was a five hundred credit card spend and to me that wasn't that attractive ya, uh no I haven't at this point uh I think I've been privilege enough to not have to take any loans


uh and ya so not for me how about yourself, , ya, but anyway and ya as in oh sorry I was going to say that


the just the idea of, the sound of taking loan sounds very uh daunting ya ya and uh oh but I think I did I do have to consider it I I think people who are considering like BTOs would have to start considering taking loans


cause like you know uh unless you have that that amount of cash or like if especially if you know you are looking at a BTO in a more mature estate then it could cost from like four hundred K to six hundred K


and then I mean anyone who has just started in an entry level job is unlikely to have that much cold hard cash lah in their savings so uh from what I understand like from the HDB website uh it is


you can choose between a bank loan and a HDB loan and I mean just like based on what people are saying on like telegram groups , they are just saying that oh like a HDB loan is more flexible like like your house will people won't be coming to your house and like spray painting your house lah


whereas like for banks they are they are more likely to I I forgot the word but like I don't know what's that word like assert your house ah, you know like they they have a right to take your other uh assets as collateral I guess


ya so I think it's something that you really need to do a lot of research on, ya,


, , within your means, yup


pretty late, sorry did you say eighteen, fifteen uh ATM card oh I actually I think I I got it even later than you like I got it at


eighteen about like eighteen nineteen and I don't know I I feel like it's a generation thing like , or or maybe it's like the I think is cause we have, we seem to have like similar uh experiences like we our parents give us


, allowance in cash instead of, ya then then I get it right your parents give you cash like allowance, ya ya ya so I think that's, I mean I think that kind of like shapes how you spend money also instead of like but I do know like people who have had credit cards from much younger and


ya, as in I don't think it's like , suppose like there's a right or wrong age I just think it's about what whether there's a need for your maybe like if your child is


more is required to be more independent or like they they have most of their meals uh outside or if you want them to develop some form of ability to manage their own allowances and finances


from a young age then it's good lah to I mean I think is okay also to provide them with uh an ATM card uh from like secondary school ya I think that's fine


I I think it's just a matter of you know inculcating the idea that don't like don't don't spend beyond your means and also just because you can spend within your means doesn't mean you need to spend everything ya


ya, so, ya


, , oh but ya but anyway maybe a point to add would be that maybe some people who start to receive like supplementary income


you mean maybe not not in the form of like uh I mean in the form of like teaching tuition for example maybe those people would even if that when they're in uni they may start to see like , a capacity to use a credit card lah I mean that's just what I imagine that ya ya I think so


but I oh I heard that you have a supplementary card right, so like do you like !yay! spend your parents' money or what like , uh


so why did they give you that why did you why did they give you that card, uh, ah then what's the point


, but I think this that's I I mean that's the point of like having a backup card right cause I think like you honestly never know maybe like one day like, uh I don't know lah touch wood but or like you fall as you you slip and fall as you are walking and then you suddenly need to


like see the doctor !huh!, ya ya ya so like I mean as in I think is good to bring around and I think I used to also have this mentality like ah why would I ever need a sum this sum of money but I I think it's always good to to to take precautions and


and that's the point lah like you would never know when you need it and so it's better to have it in hand, unless you are afraid of like losing it or something


, ya I think you should


or like this when you run out what if like you accidentally run out of money, cash ya


true true, ya but then ya that's dependent also if if if there's a ATM card in the facility and then what if you are on you are at a place where you cannot get immediate access but you need to pay for example like you need to take the taxi


to the doctors


okay


you want to start first, so have you gone through any loss in your life and if you have can you like describe how you felt, and how you dealt with it


(mmhmm)


, , , ya


, ya, ya, for me I have not experienced, uh I personally lah for me have not experienced loss


but, I I know a very close friend who lost his mum to cancer and and his dad is also suffering from cancer now


like late like end stage cancer and so I think as as a as a close friend you kind of start to internalise certain, feelings that that you have from your friend and also like it just really makes you think about


how ya lah how short and transient life is, so I, so I think like going through like the phases of grief with my friend also kind of exposed me to like how people process grief I think at first he just like uh went through like uh


the funeral processes and whatever like normally as in he just did what he had to do but I think after that he kind of became a a bit withdrawn and he started to like


really purposefully like, cutting people out of from his life uh and I don't know what he did I think a part of him did it because he started to become very conscious about and very clear about what he wanted in his life


the kind of people that he wanted to surround himself with and and ya but I think also a part of a part of it became , he just became a bit more withdrawn lah because he he just always says that things are not the same without his mum he was really really close to his mum


ya and , but I think it has been about three years uh actually I think it was just like last month that he he kind of like uh, honoured her death anniversary and,


what uh ya so oh he started to read I think he reads more books now on like uh like different religions I think he wants to kind of understand , uh how to process his grief and and I think also from what I learned from him grief is like a a really long drawn process like


you may not get over it even in like five years and sometimes you can only process it after you have reached a certain stage in your life , ya so I think he's still in the midst of trying to understand how to process his grief and so he does through does it through like reading


books and so he he's reading this particular book called turning grief into, strength and peace or something like that ah ya but, I I do feel that he's a bit more at peace with it now but I mean it's just like he just always feels a bit sad like there's just a bit of sadness and


but I do think that he has uh quite a lot of supportive friends around him also ya and like and I think as you rightly pointed out it's it's important to, not feel that you are alone when you are especially when it's something as


as as impactful as like losing a parent a very close parent I mean a parent that you are very close to, ya so I think but I think also it shaped him and uh I mean I wouldn't say like it's a good thing that came out of it or it's a blessing in disguise I think that's a bit of a stretch


but I think it's more like it it if it was inevitable how he's using it to, he how he's trying to move on with it lor, ya so eh every time I talk about it I also feel very like


emotionally involved I guess because of the close proximity that you are I mean not like I was like very close to his mum or anything but , just seeing your friend go through it you kind of also feel that you are on the sidelines going through it as well


so I think I I cannot imagine how it must be like for him, ya, ya so I think like like if I I kind of like a bit I'm a bit paranoid and I always think about if my close ones like my grandparents or I mean touch wood like anybody lah that I'm close to passes away I think that will be quite traumatic


, ya


, uh ya I I honestly haven't, gone through any traumatic oh I mean eh I wouldn't say this was traumatic but this was just like ya it's like related to one of the things that I'm really scared about is that like my grandma there was one time she got like really sick


and, and she's just very stubborn like she refuses to get help she just thinks that she's always fine, and so it was like the one time where I really saw her in pain, and for me that was like very shocking that's one and


very worrying because, it kind of like dawned upon me that like she's no longer as like like she's not as strong lah as she used to be and that a bit that scared me a little bit lah


ya and it's just kind of is a, always at the back of my head that , , about how transient life is, and, ya that's


yourself, (uh huh)


(mmhmm), okay,


okay, ya ya I remember that from just now


, (mmhmm)