okay share a funny inside joke that you and your friends still laugh about today, it's like man I don't even know, uh


uh, !wah! shit !wah!, man that's a lot , inside joke or funny story ah


uh, that's why that's why but there's so many ah I don't know which one to think of, uh


I mean there is this one thing lah, oh my god let's not talk about that one, uh , uh okay there was this one time uh it was like my, my fifteenth birthday


like uh, because I always get like cuts and bruises on myself, and then , you know how there was like birthday bashing was like a thing, back in secondary school like people who like shake your arm or something just just because it's your birthday which is kind of stupid for me ah that always so funny


ya, ya yup so uh back then uh, I had my mum just got me a watch, like it was a new watches lah I forgot what brand it was wait uh


it was this like chain watch it was metal, and then , like the whole day everyone has been punching my arm, and then I'm like okay I'm getting like bruises and all, then I'm like okay you know what uh let me switch my watch because I always wear my watch on my right hand so I switched it to my left hand I'm like okay lah like


switch to my left hand just in case someone wants to hit my arm on my right I'm like you know nothing will happen to my watch, not even ten minutes later right, my friend come, he punched me on my arm, and then somehow it just slides down my hand


and then it breaks my watch, oh dude you have like two hundred bucks or something, I mean it's not much ah but like, that was not the worst thing that happened because I said I get a lot of bruises right like uh my friends know me because I get a lot of random like bruises or scars and then I had like one like scar right here


that like five years today I still have it and then like he hit my arm and then the watch broke and then, I I had like a deep like cut on my hand because of like because he hit the watch


and the watch broke and then it scraped on my hand, then it's like !wah!, ya, I still have the scar until now and the thing is I only change I put the watch from my right hand to my left hand, and ten minutes later my watch break


then I was like okay not a good day ah for me, ya basically, oh ya dude until today I look at my friend I'm like, how my watch


ya, can , !wah! okay let's, skip ahead lah let's talk about the best meal or best food you have ever had


I got a lot sia, chicken #biryani , like that's your ultimate food from where though


from where, okay lah not so bad, oh the best meal I ever had ah


the best food I ever had right was at this like #ban mian# place sorry is noodle place lah, near my house, so we go after like a night of drinking and all, and then we go to this noodle place


and then like me and my brother we sit down there and then we're like what should we get because this place twenty-four hours, then after that like the Kopitiam near my house you know lah, then we went there we sat down and then I got like one man with soup


okay and then like, my brother was feeling adventurous that day, so he got the dry #ban mian# from the place like this one confirm gonna be good confirm gonna be good your soup one nothing


and, he buy the dry one, !wah! bro I took one bite of it ah, ya I took one bite of, my food ah and then I was like you know what I'm going to not eat my food and I'm going to buy a dry #ban mian#


like eat that one I'm like, !wah! I have not had, homemade noodles with such a good sauce, ever never I've never had it, and then I was also like you know I was also you know drinking so


like my taste buds were elevated, ya, my taste buds were very elevated, and I was like okay lah Shiok


like I eating good food oh, then makes him, uh the last one I had was my dessert which was this, chocolate mousse from this place called laurent bernard at robertson quay


which was , honestly the place sound so Atas but it's not, you know, I'm like it's fine, as long as I get like eat good like dessert, so like when I first sat down to have this chocolate mousse which is called pure chocolate


I stood up in the place and started clapping, because the dessert was so good, ya they this chocolate cake was so good I stood up to start clapping in front of my friends, because it was so good


ya I know I I know but like I I just wanted to carry on the conversation so there's no like awkward silence , ya but, I, I had this chocolate cake I sat down in the place


and then I started I after I take my first bite I stand up and start clapping because I, it tasted so good, the chocolate cake ya, it was one of the best desserts I've ever had I mean I've been to a lot of weddings, and I've tried the food but


man this chocolate cake does not even come close, and like a small slice I would say like this big of a slice, like this thick it's like, fourteen bucks and then I'm like oh man


ya, it's a lot of money man , ya uh, I guess we'll finish up I'll say I've had a lot of positive experiences in my life and fortunately enough I can say that


I have not had a lot of negative points, in uh in my life or experience in my life, uh, honestly not a lot of people can say this that they had more positive than negative experiences


but ya it's been, nice knowing that, uh I have, received a lot of I'd say, love, , and like positivity


to contribute to myself and say that I have not gotten anything worse, than what I felt I should have because I have never felt like, something is being done wrong to me or anything, ya rough


financial related topic, ya, okay so I can start yes I have insurance err I have mainly with GE err and AIA uh so for myself is purely GE err I have endowment I used to have one its called gold lion I currently has hospitalisations


fully covered for my family and I also have what you call that the inability coverage where where there are disability ya where they where they cover you for if you cannot work or do some of the number of activities


I also have a plan whereby it actually provide payout err when I hit sixty uh this is actually to for my uh its not really retirement is actually basically ya its actually meant for retirement but its actually the the payout so that I can use it to pay for my riders because my policies


uh is the old policy but I have riders on and is err super policy correct correct correct it covers yeah it covers everything uh basically , I just had the what you call that uh err retina detachment done like march so twenty five thousand covered I have a ACL torn like nine nine years ago all covered so


basically I'm fully covered for medical so I got this kind of insurance err and then the AIA is basically for mum's uh what you call twenty five critical illness ya so I I have that hospitalisation is my main insurance coverage yeah do I have a endowment plan I used to have one


but it finishes and err I don't believe endowment plan anymore because payout is not as good compared to others investment that I I buy much more cater to like uh equity I mean it depends on what you going in for right but uh the bank rates and


ya ya ya so endowment plan I'm talk I talking about the returns that I'm the is the return is not as, ya correct correct so then uh do I buy get insurance when you buy car you have to of course uh how do I how do I source for it I source it basically


through online ya and uh property there's a property insurance I think that is uh mandatory, driver insurance I get it when I travel overseas for holidays children err children I think yes I have hospitalisation as I mentioned earlier and is actually activated just purely last month because she has he has a a surgery and I don't have domestic helper and


okay for policy wise right car insurance policy I I think one of the key thing is I think the key thing is err the coverage I always look for the coverage uh in terms of uh how much coverage that it it is compared from apple to apple


so I think the kind of insurance that is very important for people in my age group is is hospitalisation because that is purely what insurance is for for rainy days and I think uh it possible to have the riders covered so that you never know ya I mean


you you need a coverage for that and why do I say that is uh I still uh preferred private hospital then structured hospital so that's why my my insurance plan is the is the top plan that I have, yeah percentage coverage insurance probably I think about err ten percent I think uh or more ya so do I get influence for a single yeah I mean I like I've went through the claim process and uh that's always the number one issue that I'll consider I look at the products then I'll compare


but they are the first one that I always consider ya, so, that's about it for my side ah, ya go ahead


five percent deductible I think yeah, ya five thousand five ya


ad hoc basis ah yeah


but you do buy travel right insurance


you do buy travel insurance ah, is term insurance ah,


ya true hundred percent


that's term plan right, oh there's a return of value is it and then after uh the maturity is it, okay okay


yeah yeah surrended value


well I guess I think, uh for me no I don't uh I do that for myself err I basically have hospitalisation uh critical illness no I never do that it is I think the term plan uh is I used to have it but I I don't do it anymore ya


I don't have it anymore ya, I used to have uh one uh personal accident for with GE uh I mean its a term plan that is something we don't like but uh it comes into play I was uh injured in a accident in uh highland so in Bangkok uh so you know the thing is uh when you go to the hospital in in Bangkok uh


it is actually uh covered very much so even for A&E so everything is hundred percent reimbursed including including the uh what you call that the the medicines the pharmacies bandage and stuff like that ya so that was quite good


ya so that's why that's why I mean I don't travel as much as I used to be so err I don't buy I don't buy it ya I buy it as a term plan thing ya, ya just now you mention about the deductible right so the deductible is actually I'm I I quite clear on that one right so my policy is the old policy so the the deductible doesn't apply to me for my hospitalisation plan the top plan that I have that's why if uh if uh because I have pre existing condition remember the operation I had nine years ago


and if you go to the panel of doctors the difference the key difference is they cover you for uh twelve months after for the post surgery, for if you go by your own to your private hospital like what I did for my eyes uh is only it only cover six months, ya so ya I mean but the regardless right you still have to have the hospitalisation err coverage is always best to have best to have the riders ya


, correct,


, correct but I just as I just reimbursement you see ya,


correct but the things uh I I think if it it, but mine is this much so I've got my reimbursement they split into five percent but they reimburse in five percent in uh in like uh, you know they split the hundred dollars into like ninety five and five dollars for example but they still reimburse everything and even for the err the surgery at mount elizabeth hospital twenty five thousand right so once I file I do a E filing and I didn't pay a single cent


ya but by right uh ya so that's that's that's what happen for GE I I don't know I mean I I I also very particular about one thing when I I do the uh I look at the insurer is the claim process GE is super easy uh they use paynow to reimburse I hate uh income I don't like AXA AXA ask a lot of question whereby


err like a kind of interrogation I I don't like it you know like they ask you for your specialist uh letter that is this guy doing a recurring treatment and what is it for and GE never do that yeah, I'm quite particular about that I I don't I I don't like to I don't once I have the I don't I don't like to worry about claims lah like if that they don't give me the assurance of claims even though its a few dollars or a couple of uh more expensive right but the name of that insurer


uh there's some insurer I don't I don't go for it ya, ya ya the reputation I mean it depends lah I mean one one if you I because I have the claim experience before so I I I don't like income I don't like AXA ya,


ya super Niao, correct correct ya


okay, timer is zero we're done, no I'm done ya


negative experiences, right yes I will think that the most negative experiences that I have in my life recently will be you know the demise of my auntie ya that that happens like two years ago she's in her fifties


came as shocking news because uh she's always uh bubbly healthy but err she actually was diagnosed with high blood pressure, err and she got a stroke and the last person that I would think that will have a stroke is her uh why even though she's in in uh in malaysia but I was I'm very close to her uh she seen that when I grow up and stuff like that so


err it was it was shocking lah and it was actually err very damaging err because uh I mean it is is where how least prepared you are right I think uh still recovering from that each time I think of it I think uh you can't help but feeling remorse but


there's not much can be done on that be that so I think the key thing right now err what I did was err understand there is this uh some high blood pressure trend in my err kin in malaysia so uh basically err


err I actually make sure that they have this uh you know to have they actually go in for regular check up uh go for regular check up and uh to make sure that uh they actually have this under control for them


yeah to make sure they take medication to make sure that uh they actually have this machine to measure it because the a lot of my uh because of lifestyle they have, they don't exercise ya, so what makes me stressed I think one of the key thing that makes me stress is not so much that uh I'm stressed I think that makes me stress is when my families and my loved ones are stressed


err) I can manage stress pretty well but uh when they are stress I can't manage their stress that makes me very very stressed so I think one of dramatic things I ever experience that will be as I mentioned you know the, the when I was playing uh football I got a torn ACL a torn ACL is a very serious injury whereby uh your legs is like this is your legs like you are bent this way know like side way


from your knee down so uh playing football with that and that would call it very dramatic for me because uh you never thought it will happen to you, but it happen to me and uh, it takes me one year before I could actually start jogging again so


I so seriously bad seriously bad I mean I tries I've I mean the thing is when I went to see a doctor what frustrates me a lot was that uh the first one told me that okay you go for physiotherapy you should be okay I told I told doctor straight in her face I know my knee better than you do somehow I can feel that is not physiotherapy can do the magic


and second doctor I went to was uh CGH at Changi general hospital told me that oh you need a surgery tomorrow and stuff like that so I say are you doing are you the one doing surgery he told me no will be the next person doing it I say so you are business development the next person is production ya I mean I'm quite I'm quite sarcastic on that because I don't think its a good thing so I went into mount Alvernia cut the story short


ya but I mean that was that give me the very negative experience on uh structured hospital on on that that's why I went to mount uh mount mount Alvernia I got a scan done immediately and uh I know they will see all the flashes that you are actually have a pretty bad damage uh to your knees damages on to your knees and then I got the surgery done


like uh two days later you know that was like at one of the best orthopaedic lah so this guy so I I cut the story short I recovered and I'm I still can play football and in fact uh, technology today is more advanced than uh before so he says that uh don't your knees lah I'm ninety five to ninety eight percent as strong as before which I I mean I feel is is true I don't feel anything at all right now


even though it's a very bad injury so it's pretty dramatic for me because as a footballer I mean myself I love football a lot uh before my cycling I I can't I can't stop playing, I can't stop watching and is like passion that I have so for someone to have such a bad injury is uh really very dramatic ya and you I always wake always wake up wondering err can you walk again because the knee is always bent


until it kind of like muscle reflex then you relax then it becomes straighten so I be would be Googling a lot and then tell myself that you know is this the end you know may I going to walk in this manner ya pretty dramatic for me ya, oh you mean now or then my favourite footballer my favourite footballer is always #diego maradona# ya he's the best in the world still now ya so so the thing is uh okay uh what what the time where things turn out not meeting my expectation I think


this will be things like uh when I when I left my uh company for uh which I joined for five years doing pretty well for a SM SME because of a vertical move uh it got very very bad because uh when I went in acquisition is on the way I was not told, uh so when in the management acquisition came with a new owner you will never last wrong it's true


I was there for six months uh you try to do all you can to fix the books but you know the damage has been done uh annual loss of three million sing dollars is not easily fixed so that was very very bad but having looked back is a blessing in disguise because if I don't leave that place uh to go to the current


work place and with the COVID virus I think uh the first company that I left to join the SME uh they were in acquisition as well uh and then a lot of my friends has uh colleagues has lost the job so you look back is actually something is actually good but that was the time where you know you look back and say that


things is uh you know the is not is not going my way ya I think that is quite a stressful time and I've gained a lot of kilos over there super unhealthy ya I got the acid reflux I got all the all the problem vertigo during my time there, so


what some of the hurtful things where someone say to you that I will forget I think this is more or less when I was very young in my in my teenagers yeah people saying that uh people saying that uh you know you are hopeless you can't study and I mean that I I my name is called #teck wee# right so I have another friend also call #de wei# yes he's called #da wei#


so when he went up to have the awards given uh ceremony right some people say came to me and say !hey! I heard you got the award I say that's #da wei# not #de wei# you understand


so from there on things like the people say that you are hopeless you can't study and stuff but I think I take it uh as a what you call that the chinese uh I mean it it's kind of like a you take it as a turn that negative into it it it turn that into a in into positive energy and motivation and push


that's why it makes me kind of like uh you know very strong in getting something done years of secondary school was over I always don't believe in doing something you cannot be undone, so I kind of like uh I mean went to ITE I went to poly go overseas you got the best grade you got the tops class and also things turns up very differently so so with these kind of experiences the very negative one right


I I kind I like to motivate people with the the experience I went through and know what kind of words to be used and never to be used on kids or even people at that time of my age you know so ya so I think uh that that is something that I I like to share on that on the negative so during that time is is really very bad people who because you are the worst performer


and you got into trouble you know so people think that you are outcast ya hopeless but it's too early to judge a kid at the teenager that he's hopeless never never say that never ya okay uh ya so what is the saddest scene scene that I've witnessed I think


I recently flipped the facebook and saw a lady she's mentally unsound with a baby newborn she's carrying that is super sad to me why, nobody know who the father is I believe she has been manipulated and she's mentally unsound so the key thing come to me my mind is who's going to take care of her and how is it going to be so I think there this makes me more like you know uh


ya so I mean naturally I'm quite a positive person so I think the negatives so I mean is is is almost here like for my side ya if you have andrew matthew for you to add ya ya


oh okay


unpredictable ya


so do you have to work beyond do you have to work beyond office hours ah, !wow!, is it common


okay


TRUE


so they don't listen is it, they don't listen ah that means like you give them a plan or like recovery plan but they don't stick to it right is that is that what you mean yeah its quite it's quite frustrating yeah yeah


yes ya


so saying you cannot bring a cow to drink the water if it don't drink right correct ya hundred percent ya, you cannot force ah, what what do you think is the greatest the greatest problem ah or this social problem I mean the the the you see the disparity what what do you what do you is the greatest problem now in the society I mean out for my own curiosity yeah since you are in this field


ya,


yeah so you have learnt how to purge out the negativity lah put it that way yeah


, yeah true


correct, yeah, I I mean where last minute I think uh I I like this african proverbs right you know they I think uh when I went I went to google what it means yeah I was like that when I was uh in my uh teenage years uh uh second child I think it's a middle child syndrome so the you don't get much attention


I get a lot of troubles uh then uh with authority and I know the with friends that I mix with so but everything happen for a reason ah if without that I don't think it will change me to become what I am today you know like seeing things from different perspective


err being in that also allows me to talk to uh bit different people from different levels different communication yeah I think uh yeah I mean that that that is the one of the negativity that I had before yeah so as I say I leave my mum so it's always like you know she's always of the headache for her


ya but you know uh tell the story short I mean but now look looking yeah looking look looking back I mean before before that kind of uh experience you never able to learn ya some sometimes some negative experience is actually good for uh uh uh development put it that way yeah


yeah


positive experiences I guess uh I, yeah I will start first lah okay I guess uh I'm more an optimistic person that's why I have more to talk about this than the next topic right so


the best present I ever got for myself uh is a rolex watch because I think certain part of , uh of career or, yeah career and the stage in life I think uh you have to award yourself with something you think is uh good for yourself I actually hesitated a lot before I bought the watch in japan actually cause japan is one of the best place to buy rolex watches for your information there's this place called Jagwood everything is japanese I don't understand what it says so I just went to the place


and uh I actually didn't buy it on that night I just went back to the hotel sleep and uh when I wake had uh but I had a dream that of that watch so when I had a dream I think is something like a calling better buy it so I went to bought it and put it on


quite a lot of money then then uh but you feel good so I think that's the best present I buy for myself I'm very particular about gift I don't like to receive present so when I get present I'm very much like uh decide what I want ya so I think the the biggest


thing I think uh I love about myself is my confidence and my never say die attitude and determination why do I say that uh many of time in life I guess you have been put in corners where you either come out and fight or you just give up the the race right I mean one of the greatest movie I've ever watched is uh


uh if you know rocky five rocky six where if you remember the rocky the the guy sylvester-stallone like he's has a son where I say that he's is always his shadow right cause rocky is a famous boxer so he's told him uh his son that you know in life is so easy to give up and uh you can be I mean to be my shadows


I think he says that life is like a boxing is not how much you win but is how much punch you can take and just come out and fight again so I think that is life the never give up I think that that that's the way I see life is so I think that's one thing I like about myself is uh never say die and there's always a solution for everything just need to think it out


yeah what what do things that okay I think I, my perfect day will be something like very simple I like simplicity uh at the point of this age now I like to wake up uh have a good breakfast uh with the family and then before I'm off to my cycling uh be it a hundred kilometres for the day uh take about will take about


the whole morning hundred kilometres three hours to four three hours plus I can finish in four hours with a group of friends then uh to be back and have a shower before with your family time uh with your immediate family, and out for lunch I think that is something I I like I I look to a lot because I've been travelling a lot in my previous job and uh before the COVID so


simplicity is something I really like for perfect day yeah with the family uh I think time is of essence I don't like to waste it with uh people that uh is not worth my time so yeah I like to do it that way that's that I will describe as a perfect day, so what I'm thankful for I think my health I used to be uh ten kilo heavier with high blood pressure


vertigo uh vertigo means uh when you see you can see things spinning I used to have a lot of joint pains each time I play football I I have pains and I have uh injury very easily, but after , uh no no I when I play football just uh no without contact I hurt myself because I'm too heavy right so I read I read I read that uh for a kilo you shed from your body is four kilo you shed from your joints your knee


so the the I think the alarm came the wake up call came when the doctor says that !hey! either you take uh high blood pressure pills or, or medication or you can do three things right you half your carbo you exercise three times a week and err can't remember what's the last one healthy lifestyle basically ya watch your diet ya


so I I at the same time I also have uh acid reflux I used to I used to have uh acid reflux which acid reflux is very bad is actually I need to go for endoscopy, I think uh the good thing about the bad thing about having too much travelling and too much good food this is the this is the consequence so what I did is uh I watch my diet I pick up cycling for a year I covered about twelve thousand kilometres I lost ten kilo uh high blood pressure is gone


I don't want to I mean I went for a a cardio check up of my heart, uh is perfect for my at my age uh it's pumping well doctor says continue to do what you're doing so that's why I think I think uh I think that is the greatest thing you uh you know I think when you know the health uh wealth can't buy health that put it that way so I think that is a a blessing in disguise for me yeah I mean and also the same thing that


is linked to my character people will say that uh just take out the pills you know uh its okay for me no, I need to achieve what I do achieve I set out to achieve and to me failure is not an option so maybe that's the pressure I put to myself I don't like failure I failure is not an option for myself that's why when I have my team and lead my team and sometimes they also feel quite stressful on that uh because I think that when we out to do something


let's achieve it if not don't waste time yeah, so what is the comfort food I think uh right now I'm quite careful about food uh , I will make sure when I eat something I I burn it so I've like uh chocolates uh and uh ice cream yeah so if I have a good workout I will have some ice cream at the end of the day I think it's fine uh the ice cream calories is probably less than two hundred but the burn out of the calories is about seven to eight hundred for cycling is okay definitely okay


yeah so happiest moment in my life is ninth of february my born my boy is first born my first born alright so when I was like in a fat shape right so uh doctor did test and say that you know uh


its quite difficult to have a kid at your age and stuff like that right uh because of health and your age and stuff like that but you know sometimes this kind of things is uh what decide by upstairs right not by doctor says not quite scientific but sometimes it's more than science so I have my boy born on the ninth of february I think its the uh happiest day of of my life because uh


the moment like you see that you become a father and I either you I mean matthew know that right for so many years so its like it its like oh okay I mean, yeah so so so its like okay that's the reason why I have to keep fit because I I I yeah yeah so that's also reason why I want to keep fit because uh I'm I'm I'm have to be responsible for him right so what I cannot just destroy my health in that in that manner yeah so


the I think uh one of the things that that people will say to me and as a compliment I guess is uh I kind of like uh make a difference in their life by the advice that I give these are more to my mentees in my career place right so


uh mentees that saying that okay I'm quite lost in my direction in my career and stuff like that and and even my staff that come to me and say uh he's wants to resign you know because I found a job and I never stop them from doing that I always ask them is that what you're after I always ask uh leading question is that what you after and is that uh what you see in life what you want to achieve


I never stop them I I would not be like a simply a corporate figure and say no this company is the best you must stay here no I I don't do like I don't do that kind of thing and I find it's quite disgusting that disgust me a lot uh that people says that I make a difference in their life I think uh that what sums it up that I think is uh the best compliment


because uh I can image myself at that at their age right at their point of their career so they also need someone to look up to ya so I always put myself in their shoes ya, so who in life will I look up to most uh I come from a single family single parent family so uh my mum is the one that bring the three kids up so I think for someone to look up I don't have a father figure much don't I know I know my father


uh but the I think I don't have someone to look up to basically is look up to a certain aspects of that person traits for example in a situation like, if I talk about firmness all out to achieve something I think the late LKY is something someone I look up to a lot like like to achieve something you know like aspects of the life err the I would not say fatherly figure for LKY but I'll say that do the when you're out to achieve something uh fail option failure for uh failure is not an option to him


right and I like that fact that uh because I work with a lot of corporate figures from different countries I'm quite proud of uh being a singaporean and never fear to stand up when someone criticise singapore in front of corporate setting like ah singaporeans is like that is like that I say no I'm from singapore I'm here I am I don't think uh beg to


I like you to beg I mean I like I like to hear the different sound and that's all that is something the confidence that I have and I think its different traits of people, that I look up to even for leadership I look up for different football managers how do you how they actually dedicate their life to rule people out so sometimes uh when you are manager uh you know a mentor is not because uh


you are better in technical skills because you are more better in uh human skills that is bring up the best of someone I think that is something that, I like about myself and I always look up to improve further yeah, yeah I mean that is that is the best also right for your kids yeah I think all the training yeah I think yeah I think that's would sums up for my side yeah over to you matthew


which one is the which one is the best #nasi briyani#


yeah okay


appreciated ah


yeah I was in the room man were you in the room right and then good thing is uh nowadays uh I mean the good thing is uh ninth of feb was before COVID right and then now nobody can be in the room you know that because there was a case whereby the pregnant lady uh was I think with COVID then the doctor got it


so now they have to play safe they stop it yeah yeah, (mmhmm), well


ya ya, I I understand my was uh thank god three hours uh three hours baby is out ya three hours natural birth ya three hours yeah


yeah


yeah yeah you you cannot go in for cesarean yeah yeah


okay, , yup


ridiculously expensive man japan, yeah


yeah is self fulfilling I believe in self fulfilling prophecy lah yeah,


yeah, yup


eh same same same I also same I'm the same as you yeah but uh as I go into yeah, I believe then should be the wrong structured course right I mean last time you were forced to do science pure science where I never liked it yeah


definitely yeah


correct yeah, alright I think we done on positive, done fine good yeah I always like to talk about positive yeah I'm good I'm good can you hear me


financial related topic part one, yeah


disability is it, yeah


retirement I suppose retirement ah, so the cash portion ah I think I think is the cash portion right yeah ah


okay, alright


oh but that is not the equity link uh insurance ah its its uh your own equities yeah, ah not insurance linked products ah okay yeah cool


oh okay yeah but now now is all co payment already yeah


okay, alright cool okay so should I should I proceed on mark, okay thank you alright for myself yes I do have personal insurance so I do have coverage with AIA great eastern uh prudential yes but that will be more of like the endowment


and then uh tokio marine so what happened yeah especially for tokio marine what happened was that I remember this one it was quite a good sort of like endowment plan whereby it's known as TM life then


that time when they launched and it was so good that because you know like for coverage the whole life coverage generally right now what happened is that they have got the multiplier and that will stop when you are of a certain age but when GE launched this product then


it's a permanent multiplier so that was good actually and unfortunately when they launched it right it lasted for a couple of months only before they withdraw because overwhelming response and probably I guess they could be losing money on this


uh because of the fact that the multiplier is actually on a permanent basis so like for example let's say you buy you purchase it at a certain premium which is actually lower and you are covered the double of it so that is good lah


then okay so personal in terms of like personal insurance the I also have like hospitalisation insurance plan that will be with AIA and uh this one will be covered as charged but right now as I mentioned earlier


uh its not so good not entirely good already because of the co payment thing that comes in and this is applicable actually I suppose for all insurers, so whereby you still have to pay a certain percentage uh or certain amount Minimumly is like capped at thousand five


yeah capped at thousand five for myself ah and also that if suppose let's say from the panel from their own panel of doctors then your then of course that will be


uh lesser lah in in a sense it will still be in thousand five lah otherwise if it's non panel doctors then you have to pay more so uh yeah that is not so good right now in fact then for GE I have got the uh family tree


so this one is more of like uh is supposed to be for three generations sort of like a savings plan uh yeah and also the other thing about my insurance is that I try


to go for the minimum payment period usually most of most of it I go for five years initially the plan was spread it was stretched like for ten probably like ten years or more but I try to go for five years period the thing is that because I want to clear off


the thing because all these right you know my when you pay insurance right is more of like a liability in a way because annually you have to pay the premium and such things so I try to clear off such liabilities as fast as possible lah that's why I go for five years plan


uh five years payment uh payment period, then also like uh okay in insurance wise for buying car yes I've got my auto uh insurance then travel travel insurance all this right I will I don't have an annual travel insurance but I will


purchase as and when I going yeah correct because no point like paying a an annual, annual premium like for example right now with this COVID thing so if suppose let's say I if I were to pay for an annual insurance then I suppose everything will be wasted lah


uh right yeah then also uh yeah my children I have, bought insurance for them actually err I was I will think that they are quite adequately covered in fact err to be honest I was surprised their annual premium right is actually err about sixteen thousand


one six thousand err the the thing is that because I purchased everything for them like including endowment education, uh education funds and all these things so also all from various insurer not not exactly may not be exactly same as mine


like for example they have got AI AXA which I don't have so it is I purchased it at the point on time whichever I think, or I feel I find out that uh probably is more of value value for money lah, then err also yeah for my family parents my family members like parents yeah they do have insurance policies as well insurance right I will feel that insurance is actually


quite an essential expenditure uh why is it so because you are insuring something uh its more of a risk protection like more of a risk adverse


so its like should any thing happen to me or whatever then at least I know I my dependents are adequately covered lah in a sense so I don't have to worry that oh like they have to take on the burden and such things


uh for me okay then also the other thing about , buying insurance right one thing is I don't buy I don't go for term insurance why is this so


because I feel that for term insurance is like you know you are throwing money down the drain err, reason for this term insurance right why I don't buy is also because there's no cash value at end of it and you will have to continue paying until probably something happens to you or you or suppose like for example when you stop paying


though term insurance it's relatively uh more affordable and they are able to it and you are able to get it for higher coverage but I don't really quite believe in term insurance lah basically it's more of a


sorry, travel insurance yes but not the term yeah correct travel insurance is more of like a term insurance ah but yeah but other than that I mean like for whole uh for whole life all these right I don't I don't really buy in into term insurance


and I also don't buy this investment linked, I I don't invest like all this investment linked products and such things because the reason is that uh I will do my own investments rather than letting someone to manage it lah yeah ya lor so that's why yeah I don't believe in that


uh okay then percentage of your income spent on insurance right this one probably I would say that for my own self is about thirty around thirty percent thirty to forty percent


then uh how much coverage my total coverage uh from my insurance about I think about four hundred four hundred thousand uh my kids they do cover more actually


around six hundred thousand each the reason is that why I why I cover them for more is because they right presently when they are young right now when they are young right the premium is low, and then as I mentioned earlier I try to go for minimum payment period which is five years so presently the I paying a high you can say you can look in terms if like my total premium right yeah is high but


the thing is like five years later five years down the road then uh I will have lesser liability lah so called so that's why I purchased that's why my total premium for the kids is actually higher


also yeah what kinds of insurance right I guess like essential for people of my age group hospitalisation definitely is a must because everyone definitely for sure once in a at least minimumly once in a lifetime


the likelihood of ending up in hospital is hundred percent okay so that's why uh this one hospitalisation insurance definitely is a must the other insurance that I would


recommend will be like for whole life insurance uh especially critical illness critical illness can be like for early stage or late stage which I have for both lah of course definitely if let's say you have it for late stage then the premium will be lesser


uh no whole life its not its not a term plan actually err this one is a whole life and yeah, yes correct that's right so it depends you can terminate uh you can terminate or otherwise right if let's say I mean touch wood should there be a claim lah so should you terminate there is still some cash value


of course term plan yeah term plan they do have critical they do have it for critical illness but uh I don't believe in term plan so that's why I don't buy uh for term plan yes premium wise is cheaper, uh you get higher coverage but the thing is that I want err more cash value so called yeah actually the one that I mentioned earlier that tokio marine right it also yeah that is actually a critical illness plan


uh it covers for the early stage as well and that time my uh my then was err double the coverage and permanent it's a permanent uh double coverage


so that means uh what I meant is the multiplier is actually doubled permanently, err yeah I don't get insurance from a single insurance provider only I'm not specifically restricted to one


premium provider the reason is that because certain, provider they offer err probably better coverage at a lower price so that's why uh I always I will always compare uh do a comparison before I purchase lah


but uh once I get it, then I will just review my policy in every like at least Minimumly once a year for my family, okay err yeah so probably that's my part on the sharing from insurance


, do you have any other thing so for your insurance yeah do you do you have the critical illness coverage as well


oh okay I see yeah I I feel that that is actually that is quite important ah then err yeah uh the other one like personal accident all these I don't have yet err I purchase that for my kids the good thing


yeah, oh


ah okay I see yeah


a'ah


alright


yeah correct yeah that that's what I bought my uh with the riders as well yeah but I'm not too sure about your you mention about your GE old policy because according to what I understand from the industry norms is that uh for hospitalisation plan right actually all the insurers they are losing money


so right now is that yeah regardless of whether is it old plan yeah regardless of whether old plan or not err moving forward right all the all the hospitalisation plans will be a co payment thing my is actually old plan


my is actually old plan but switch to co payment as well


oh okay cool alright alright that was good


oh okay


ah right right I I don't know lah but generally I also heard about, ah okay generally I guess I heard of income as well lah so yeah regarding regarding the claims lah which is not so easy and tedious and stuff like this but uh yeah but again I also hear other things other good things about income so I'm not too sure


uh personally for income I don't have the hospitalisation plan, yeah so alright uh any other things, okay


part three negative experiences


quite bad right actually yeah, yeah


unless you unless you book him as a private lah you go in as a private patient ah, yes yes correct I agree on that,


yeah, , so what's your favourite team


, so which yeah so which which uh football league do you follow


now now and then or then, oh okay , yeah true


so people do comparison is it


motivation yeah,


yup I agree yeah


yup okay uh for myself right okay what I err have you gone through any loss in your life right like err yeah similar to you yours but uh


yours was your auntie right mine also my auntie and that was like two years ago the thing is that they will she does not have any illness or whatsoever and the strange thing was that she choke


while eating fish ball, and yeah went to A&E in ICU and I think she pass away something like about two days later after she was admitted


err yeah so I guess from there right !wah! I realise uh okay life can be so, err frail you know yeah correct because I mean is like a healthy person for no reason just because that uh something went wrong somewhere and then your life just goes like this


and also their also then right one thing was that I understand from my uncle that time that was during the he he bought #tang yuan# that was during the winter solstice, and he bought #tang yuan# they about to cook it that night itself but err she choke while she was having her lunch


so I guess that yeah that will be quite sad for him especially on that day lah uh the anniversaries you know yeah, uh so that one right probably that was that was quite that was quite bad even for their family it's like they lose someone their loved ones uh for no reason okay not not like through illness or whatsoever its just probably a stroke of luck


and then that's it yeah and yeah makes you stressed like for myself I guess, okay the thing is that I'm actually always I'm a positive person then I the thing is that though positive right is actually from the from my supervisor lah because every time the supervisor will just give you


workload lots of workload and all these things although I feel stress I was still able to complete my work on time but it's just that sometimes I don't like it because its like, very last minute they give you something some projects its actually more of project work to do uh on top of your core work so that part I don't like it


err because it's like you are its very last minute kind of work and then you really have to rush out and all these things yeah, the the other thing, err yes of course uh especially when you need to rush out the project itself so


err uh quite regularly is yeah because for us right is uh usually we tend to work at night lah , uh our cases are high because I'm in the social social sector social service sector so quite high case load uh and on top of that you do have projects and stuff like this so if let's say if there's a


reasonable time frame I don't mind but it's just like sometimes quite last minute and then you have to do research and stuff like this, so which that one I don't quite like lah but anyway this is part and puzzle of life lah so nothing much to complain


yeah then the other thing right that uh about the saddest saddest scenes that you ever witness err that was when I just started working then ah


with this job and my client I do serve, people from the young to the elderly and stuff like this so there's one lady sixty in her sixties ah uh that was my client


uh been with her like probably a couple of months probably about three three four months like this then after that err she pass away, so that was a bit shocking to me though she has got illnesses uh multiple illness and stuff like this but it's just that


I feel that is too young uh probably for herself is that is too young for her lah and then also that was been my first client that I witnessed uh pass away so yeah so that scene was err is yeah was in my mind


for quite a while then the other one was that I guess because in my course of work, handling the under privileged err and all these thing sometimes is you you tend to feel helpless especially if if like they are not compliant


to what you want them to do what you have given out action plans for them to do uh they can be quite compliant so that is difficult to manage them


err but over time sorry, yeah correct correct, yes it's similar to like those in the medical medical services you know like for example the elderly all this because


I do have elderly like they not compliant even for us right you you have seen like uh not compliant in taking medications and stuff like this lah, so but that can't be helped you tell them have to take okay then probably they will take it then after that right maybe like one two days later they don't take and and the situation gets


back to yeah the cycle gets back again lah so yeah that that was the time like when I feel trapped and helpless lor because look we are trying to help you do something but yet you don't want to take actions and all these things lah for my case is actually is more of uh


trying to get them out a family trying to get them out of uh poverty lah I would say then it can be quite bad in a sense like especially the kids right they are young kids and then like


not going schools and stuff like this so you it you have to work with multiple agencies or so cases like this are not actually not easily not easily to solve overnight in fact is not even like for a few years we have got like cases that continue for years and things like this


is not easy to solve because they have to be motivated as well and it's quite difficult to teach to get someone who is not motivated to be motivated you know right, I believe you you are aware my yeah yeah correct lor and you cannot make them and all these things lah I I guess probably even if you beat them you bash them up also ah they will not


its yeah the thing is that one thing right is a lot of a lot of actually there are various reason sometimes it could be various factors like one factor could be from their parents


so like they are been brought up that way you know then on the kids right yeah they they learn they practise what they are been taught lah you know one thing then the other thing the other reason is that , they don't have the responsibilities so sometimes you feel that okay look you have to do this but yet they are not responsible enough to take actions err not compliant you know to follow your action plans


so this actually this one is the main hurdle they don't they are not responsible so for themselves or even for their children you can feel that, it can situation can be so bad like when you go to a house right you can really feel it feel such things okay look err there's some there's no one who is willing to take responsibilities you know of the children's life


their well being and stuff like this lah ah yeah so things can be quite sad lah but then like I mean like over time I've been working there like for more than ten years old okay lah everything you you see okay its just like part and parcel of your job already you know


and then you have to learn to put down your baggage of no point carrying all these things so like end of the day right when you will leave office okay that's it, you know I'm not initially you you were tend to recall the situations and then all these things like even like talk to friends and all these but over time right you are numb to it already lah I mean like yeah we will try to help you


yes correct correct yeah in in fact all these negativity right can really affect, you you know like you will you will tend to think of it eh how come ah why why are they like this and stuff like this so you have to really draw a line when to stop yeah


then yeah lor that's I guess that's that's about it lah uh for me overall is like yeah try to stay positive lor don't let all these negative things affect you and such things uh time will heal lah basically


yeah, okay so anything any sharing from you mark,


, oh


yeah you you cannot say that lah yeah, just be more filial now,


okay that's good yeah


part two positive experiences, okay mark sorry


but I mean when you play football definitely right , oh okay


alright okay I didn't know you have high blood pressure, ah,


yeah cool


its actually the same for me as well I guess yeah, the first time father right first time parents yeah


ah okay


right cool,


yeah is how to you how you manage human relationships lah basically


yes yeah, okay alright thank you mark okay uh for myself right what is your best birthday present I would say actually uh quite a few but uh probably one was like last year whereby uh my wife give a surprise trip to taiwan


uh I was told that she's actually she she was going taiwan is more for actually for conference, then after that uh last minute she ask me eh do you want to go taiwan you know err is so happen during my birthday my uh birthday month then so I though eh okay why not then yeah so she actually arrange everything she paid for me


err with my err with the family so with my kids brought my kids along morning she have what happened was that she had her conference in the morning, and then after that in the afternoon we went out so that was quite good in a way it was a surprise trip because I thought she'll be going there


alone only but yet she thought ah probably go over there to celebrate lah my birthday so I find that ah ya okay quite interesting quite thoughtful quite thoughtful of her as well yeah the biggest blessing right that I have


yeah I would say that one thing firstly happiest moment will be the birth of my children my kids uh then right now will be yeah everybody my whole family yeah everyone stay healthy happy


so I guess this is the biggest blessing then for myself is oh okay uh the next day okay I manage to, get up from the bed again you know rather then oh okay what happen so I guess everyday is a bless uh I would think that everyday yeah its a blessing


comfort food right for me is anything well I'll generally I will eat anything err but favourite food will be like ice cream and #nasi briyani# so give me any of ice cream or #nasi briyani# I guess


actually ice cream lah I would say is ice cream probably because of the sugar content and also like you err I've got high blood pressure but yeah I still indulge in all these I just try to maintain my waist line err, I'm on medication the thing is partly is also because uh parents have got high blood pressure as well so that's why yeah so on on the safe note yeah then I guess okay probably just


take medication as well lah and which is started about two about three years back yeah so but of course I watch my intake though I take uh though I like #nasi briyani# and all these I don't eat too much I don't take too much of the gravy


then of course uh I will remove the fatty parts like if it's chicken then I'll remove the skin and all these things lah so of course other than that try yeah try to control my diet so like less sugar less salt and stuff like this


, and also work wise getting appreciated err okay that will eh is this actually in terms of work I would say to get appreciated I work in the social service industry so


it would be a good thing like when you know your clients come up to you eh thank you for what you have done okay what you have helped me uh all this is actually quite, uh unique I would say quite unique compliment as well especially like some of them like I do receive like thank you cards from them also so you know the happiest moment right you see is when they you


when you see a smile you you feel that happy moment when you see a smile uh on their face I deal with yeah I deal with like the under privileged ah so families kids all these so when you see a smile from them right


ah you know that okay I've don't something to help to to achieve a smile from them you know so that is that actually brightens up my day, uh even yeah even if it's like a boring day you know or like when you wake up from the wrong side of the bed yeah when you see such things you know even though they like they don't compliment to you you can feel their thankful sincerity


so which is what I'm happy about it lah , also biggest moment right in your life is the same as you mark like uh the birth of my first child yeah that's where you really see oh !wow! child birth is not easy I was in the room then my wife was yeah my wife


ah, right, yeah correct my what happen okay because my the thing is my wife she actually she wanted natural birth so she was in labour for err almost twelve hours or so then before she yeah before she decided for cesarean


the thing is that yeah she's she's too she get too tired of it of the child of the labour pain ah, ah okay cool cool right right yeah lah so then after that then she switched to cesarean yeah so after that right okay what happen was that the happiest moment right was was when you hear the gynae when when you see the gynae right bring up your baby


and then you hear the baby cry then after that oh the my wife came out from the OT, yeah because I cannot go in you see yeah yeah I can't go in ah because it's not natural birth so I cannot go in uh then when you see them oh coming out oh okay yeah that that is the really the happiest moment lah


then my second kid err okay lah that one no child no labour pain lah because she go straight for the cesarean yeah so ah so I think that was a happy moment uh for both of us actually in fact


yeah because you witness child birth mah and then that is is like yeah your first experience you know then , okay memorable travel experience right interestingly right there was once what happened was that because uh we went to japan and then there is


you know that transport wise transport is quite expensive so you we took their subway and all these and then there was once right that we almost, we were late and couldn't catch the subway err that was at night middle uh quite close to midnight already and we caught happen to catch the last train so why was that memorable because suppose if let's say suppose if we don't if we


miss that train right then likelihood we will have to catch a cab already and then it's not cheap and the hotel yeah and the hotel is far yeah the hotel is far away yeah so I was thinking !wow! okay luckily it was a blessing because we managed to catch the last train otherwise we will be stranded


and then you have to look for uh get cab and it's not cheap, yeah then uh okay what uh what what am I thankful for right I guess every everyday is a blessing in fact every moment is a blessing lah so yeah I'll just I'm thankful for everything


uh I'm a positive person so anything that is good yeah I'll be thankful for it, yeah perfect day right probably I guess positive being positive person right I will wake up everyday looking for a uh believing that day itself is a perfect day so you know you you need to have a positive thinking I believe you you will know mark


so yeah then everything yes correct then everything will be perfect for you so even like you wake up on the wrong side of the bed alright some muscle ache whatever uh okay just ignore it just believe that everything is a a perfect day and it's going to work out for you so and then you will achieve that


yeah uh probably then like what I, what I hate as a kid right especially err is studies lah but now probably yeah this is grown up lah grown up period lah yeah because studies yeah


ah okay I uh no no pure science ah later part like that that was when I choose pure science that was later part but like mean like during primary schools that time and at then then was different from now you know because like now kids they go to school right


like like I sent mine to school at eighteen months so that time you don't we don't even have that that was only like uh five or six years old six years old I think when we entered kindergarten, then so now they even have preschool so I compare now you you when you compare right looking back !wow! okay that time you are actually more privileged in a sense like you don't have to study so much you know so you save that like probably about four to five years as compared to now


kids they go to school preschool all these at eighteen months so their life now is more torturous than us lah so yeah so now I I love it is because okay err if you compare right yeah now they don't complain


and then when during our time we complain a lot you know yeah so its different situation now lah okay yeah so that's all that I have, anything from from you mark cool


, uh financial related topic but


okay (ppc), I think like one financial advice I will give myself is


maybe like uh learning how to be more prudent in the way I spend my money ah so like, like the amount like you like when you start saving uh from a young age right you actually get to accumulate


your money more and more, as compared to when you start later because of like uh the interest you're earning that adds on to your that adds on to your savings as well ah, ya so , I think the advice I will give is like just just spend wisely ah just and save as much as possible


ya ya how about you,


okay , uh okay I think it depends on what you want for yourself ah like uh, DIY sometimes might take up a lot of time then you need to do like research and stuff as well whereas like a financial advisor can just uh you you paid although you pay them fees to do that for you ah


but the thing is that it's not you managing your money oh is like other people managing your money so you don't know how how much you can trust them as well and how are you gonna find such a trusted uh financial adviser as well , and especially uh when like we are students right uh the financial advisors around us probably are


uh mainly more of like insurance agent type of uh, uh people whereas like maybe next time you can uh pay money for like fund managers which are more trusted as well, ya so I think like and and like DI DIY is quite easy now uh so you can is is quite cheap is quite easy then you can uh choose if you are lazy then you just choose like


uh robo-advisors lor, there are that that , that have like a certain algorithm that they follow ah then uh it's not there will be no like human touch to uh sort of like mess it up as well ya that's what I think ah


but you trust your you trust your friend ah


ya okay okay let's okay how do you manage your, cash flow how much of your income is allocated to savings expenses and uh insurance or investments


uh for me like similarly I do not have like a fixed percentage I set to each month because like like it's it's not


it's not very fixed lah the income like you do part time then then like sometimes you want to work sometimes you don't wanna work then your income just fluctuates so like I think, uh savings wise I usually uh save as much as possible then cause I I don't usually buy a lot of stuff ah the the my biggest expense is just food lor cause l I like to eat a lot also what


ya clothes clothes very little I think one year I buy like like two three time only eh, ya ya ya I I got a lot of shoes already so so like like I only have one pair of legs ah so


so I I don't really spend much now other than food ah so the rest is like going to savings then investment wise is I it depends on I don't have like a fixed uh fixed amount that I put, or percentage that I put like per month but I I just see like how's the market then uh see like the stocks I'm interested in as well ah then I will I'll make my decision uh and then transfer like my savings over to investments and stuff ah ya


okay so I think like uh extra income right comes, uh at have like different different things lah, so what I mean is that uh so like from you said like salary income then uh so I personally have like savings savings as well so like sometimes I get interest and then uh stocks sometimes give dividend dividend income as well so like that accumulates as well ah


so like but that's that's basically more on like the , investment and passive sides of side of things already so like what other things that we can do right is maybe to like start our own business so that it can run itself


I got no idea man I don't have also , okay so like okay so so like, like some other people have been like starting businesses like over this like COVID period ya like a lot of bakeries you see a lot of bakeries and like I think they're they're trying because uh this period


this period like puts uh like sort of like a pressure on them like sometimes they cannot find job or like their even like their part time job also like closed down as well then they're forced to like find innovative ways to like earn money as well ah


ya, ya okay shall we go to the next one


I ya I agree with what what you're saying ah like because like sometimes you use like card then like the card from different banks as well then like you have like three different transaction statements then it's very hard to, keep track of like your uh spending habits ah I think I think like for for myself I have a habit of


okay I I'm just very prudent in general ah like I I don't anyhow spend I only spend on food only food food is the one thing that I I don't really care I just spend ah, ya so like that's the


like you can have a fixed goal ah but it doesn't mean that, I mean it's good to have a goal but you shouldn't be too fixated on it [orh] ya like you should still enjoy yourself and , not like make yourself miserable like every day eat like a bread or something just to hit that goal is not worth it lah ya


ya but it's good to have a goal so that you know where you're at so you know where you see yourself as well ah ya, (uh huh)


, it's like unlimited money right you just you just press just press and then like the money's there already


ya, but I think ya if you want keep track just I think just is is a habit thing lor you you need to you need to you need to put in like like the apps yourself


alright how how do you spend your money which expenditure is justified and what have you been spending too much on


why you buy clothing you at home also like no you cannot wear anything


, okay so how I how I how I spend my money I don't really spend a lot lah like I said previously


so so just food I just buy anything I want to eat lah ya but must be reasonable ya like if I craving this I just !aiya! okay lah just go buy, but but like what have I been spending too much on ah


nothing much true true true , okay so I think like uh like expenditure wise I always think like if I need it or not ah


if I if I don't really need it right then if I just want it right I I'll be on like uh I'll be on like fifty fifty on the fence of whether to buy or not , ya like like recently my my my desktop like going going going die already ah keep keep shutting down for like no reason then I was thinking eh actually should I buy like new new like desktop to use ah but after I think about it right like


like like after this after like one month, then we are like moving back to a hall already then like there's no then I won't be touching my desktop most of the time for next year so ya that's, I think I rationalised my my my my shut up


no like but see ah when you come back right the things might be cheaper already then like my my the the stuff that come out might be newer also the influence, hello


alright next what strategies would you recommend to someone planning for their big ticket expenditures an example starting a family, buying house car et cetera


okay I start first ah , okay I think like is is good to set a goal like , a goal like how much the the ticket is ah like let's say like oh uh


like you planning for a wedding like how much is that like fifty thousand okay how how are you going to get that fifty thousand is it like split half half or , or like how much you have now and how much more you need uh what's the timeline like that so so I think like having all these details alright you can slowly plan like how much you need to earn like per week or per month


to hit that uh item and if it's a actually a feasible amount , and and then like when once you add up all the uh expenditures right you can see like where to uh cut costs as well so that your ticket can be lower as well lah so it's easier to hit and you by doing that you remove a lot of unnecessary stuff as well


ya then uh I think like, ya should you should just you should just plan lor should just plan ahead lah ya


true but I I think I I don't know eh I have I just very feel very iffy like having someone to like manage the money for me, fixed deposit ah or what or or but but like that one lump sum you don't have the lump sum then how you put sia


(ppc) ya, ya but I I feel like everything can be done like DIY or or through like robo-advisors where like the fees are not that much so in the end right you are spending less on like this insurance stuff and like you're actually in turn saving more and earning more as well ya that's what I feel lah


do we have time for the last question (ppl) okay never mind !yay!, on the


negative experiences, okay let's let's let's go let's go by the list okay what are the injustice of the world that makes you angry


thoughts on BLM, (ppc),


uh I I don't particularly find it like like it doesn't anger me in a sense ah but I think cause like in singapore we are like the majority race as well


so to be honest it we're not really affected by this type of like racism stuff ah but like uh, you can you can but when you like go overseas you can you can see it lah like how people treat us like asians then ya like last time last time I I went to UK for like intern as well like you can see like they treat


asians pretty differently then you, you just you just got that that feel ah ya like like you you don't feel it when you're the like like the majority but when you're the minority right you always feel it, that's why that's why it it is important I guess but


just a bit like like we say lah it's the BLM a bit hypocritical like when the when the Wuhan virus hit them then it's like all all asians is like, like virus virus you kill us like some some things like that then like then like uh


when it and when it uh happens to like the black people then, it just they they just took it way more angrier ya don't know, maybe asians just very chill lah it's just like oh okay whatever


ya, negative experiences in your life


describe a moment when you were you felt that you were treated unfairly, bro


what dream of your what dream of yours die a little with each passing day


or I want I want do like F and B related stuff lor like maybe start like hawker hawker or something do you know like ya like you know NTU right that's like, they allowed a student to open at a stall at like their one of their canteen ah then it became like the supper stall ya it's called like randy's beehoon dude it's damn cool then they they just sell like supper like bee hoon supper and #nasi lemak# stuff at night


uh don't know ya uh a bit ah a bit a bit a bit a bit don't know lah cause like not sure if it's like practical to do or not, then especially like during this period is also very hard to like do any F and B related stuff and then it just makes you think like if it's actually like stable and what you are gonna build like would it actually like last because like


like some businesses just just just die out lah during this period, ya


okay let's move on, what's uh, describe a time when you feel awful after helping someone


don't know maybe like the the the person take advantage of you ah sort of , ya,


but what what what what if like the the stranger is like just scamming you will you feel angry


, okay lah, okay lah I feel like is it's just it's okay to give lor like if you want to give your you prepare to give already lah just don't just don't like hold any anything ah


no no you you must you must see it as in like right you give people out of your kind will right is uh is on your character but they if they take advantage of this right is is on them already so you actually don't need to feel bad


, no ah that's that's what I think lah like if you are okay to give right you you're you're you're going to lose it anyway right then , you'll just treat as you did something nice lor and if people take advantage of that is like is on them lah so you shouldn't you shouldn't dude no lah


what what I'm trying to say is like you shouldn't stop like doing doing all this like good stuff right just because like one person one person like cheated you out of it, ya then then then like like, actually if like even if like let's say out of five people right three cheated you at at least you you genuinely helped like


two people you know ya that's what that's what I think about it lah,


okay okay


does it does it does it still affect you like if people call you fat okay like on you then fat sia serious, , you very self conscious now ah


lost contact ah


I think also like I got similar experience like like I also I also was fat lah like then my then my my primary school secondary school then like no but then then like sec three right I I started to slim, down dude then then my everyone make fun of me like cause my pants were like fucking huge that


time then then when you sleep ya , then like the whole world whole world the and like everyone is just like teasing you right cause like you know cause like uh very , it's like it's like very regular cut pants lah then it's like very very wide now very wide now then it just looks like Wushu pants you know then everyone just everyone just laugh at you


ya I think I'll I'm going going graduate already right I lazy buy no point buying then, I I was still like slimming slimming down that time also then if I buy new one right then need change again need alter again lah, uh no point ah ya


but look but getting looked down wise I don't think I don't think got a lot ah, ya I think I was I think I never been really looked down but not sometimes you you can tell that uh like


the the people you talk to right they look down on you uh okay they look down on you lah like they don't think you're very smart about things, like you can just feel it ah like they don't I don't know like when you're talking uh now got a bit ah like when you're when you're talking to someone then is like your you know your replies got not a lot of substance then


then they just they just I don't know 'cause like, don't have don't have don't have really don't have like it's like sometime group project lor sometimes uh people are very arrogant, then like you you feel it lah ya


ya, but ya but but but !wah! I hate sometimes is like the group project right then cause I like people to be like direct with like what they work but they want lah, then like like what


like my group !wah! I got one group ah is damn damn stupid is so so we we did like the proposal and everything already then after that this guy suddenly suggested something new, then the thing is right he he he say oh I been thinking about it since just now but he never say but actually makes sense and then after that right we have to spend like another one one hour plus two hour right just to redo the thing eh


ya so ya that's that's a bit stupid, ya, no ah but like they should just be upfront about it ah !wah! waste a lot of time sia


he had


oh my god poly project


what a snake


really ah, oh !wow! okay


ya, !wah! your project so much weightage ah mine was like one module worth only FYP ah


oh !wah!, alright last question what you wanna ask


uh , what pet okay what what pet peeves you have


really


my pet peeves ah ah uh, okay I I think I also got like a similar pet peeve as you lah like it's just just just don't do last minute change [orh]


like I think like got one more !wah!, okay okay this one this one uh okay I I like like my my stuff to be like, uh neat ah neat okay


so it is regarding you dion dude you know you stay during vacay right like you stayed, dude dude you you eat your snacks halfway then you just leave on table then !whoa! I tilt bro I just cleaned yesterday then like


then like oh fuck you just leave it open eh then it's like that then the snacks just drop out onto onto the table, !wah! tilt bro no !huh!, no lah is like not not not like super neat but it's like don't dirty my area


ya, ya you dude you damn


that's a bad habit ya ya then I , !walao! you you leave you leave it there sia I remember you leave it there sia and then I come in !wah! what why this one here why am I so why am I,


!hey!, no choice ah you you gotta treat me food already lor


eh oh ya we just busy then after that COVID hit then there's just nothing oh ya, sure, hotel ah hotel ah


(ppl), ya that's about it


positive experiences , okay dion tell me a positive experience in your life now


okay , okay so like (ppc) I do agree with you lah like you have a lot of more time to spend now especially like with your family and like the things that you actually want to do right now you actually have


the time to go and do it like like recently I have been, I've been starting to run run starting to run a lot more again ah because like when like we're we're in hall right, like it it just it just become lazy and then you just just slack away but I think it's like


ya lazy lah ya so so like, like I feel appreciative like have the time to do what you want and, uh, uh think like what you want to do as well lah


but I agree lah like sometimes it it it gets like I mean too much time lah it's just very boring like you don't know what to do then sometimes you watch shows and stuff right then is, become like very [sian] already , ya so so then I just I that's why I take like take up like uh special term module so


so you can can study , ya so can study like during this period, cause like !wah! really really nothing much to do mah, other okay lah, it's quite okay it's like the classes are like six to six to nine PM


ya then is like two days lor but it's a bit a bit compact ah like you squeeze everything into six weeks then you have like finals in six weeks ya


!wah! look forward to, oh ya !wah!, that's the best, no, nope


oh oh ya ya don't have block trip I I , maybe end of end of sem two ah, postpone there lor ya


ya I think look forward to like the normal stuff we're we're doing or like


I don't know like , uh like hanging out with friends like no need to be restricted to like group of five, ya and like can, can do more stuff together as well lah maybe like or like watching watching movies in the cinema man


!wah! that's that's that's so good , and then you want go clubbing right then after that uh


that's true I think travelling hopefully will open up I think think they're trying to like open, open like to to certain countries only so very restricted


ya but okay lah I think they will have like refunds , is it, oh that's that's pretty sad, okay


okay dion dion we do this question what is the best meal you ever had , what you mean


oh okay what what is your favourite food, Ramen, oh you really really damn basic sia


eh let's go later , is it still very expensive I mean, I think should be around the same ah


oh , , smoke


!wah! that's true quite expensive, ya I think I think buffet ah best meal I think is buffet but I forget I don't know leh, it's like those hotel buffet kind lor like 'cause like you get to choose


, but hotel buffet really very very Shiok what like you get to eat everything eh like all the different cuisine then you can just eat eat eat eat then they're like


lobby area !wah! don't have !wah!


#shiok #, ya best meal is buffet ah I think, forty ya


I think so but usually like those very little people go one leh like unless you got like, like promotion eatigo ya so it's like one for one , if not it's like it's damn ridiculous ah like eighty dollars


three peacocks what the what is that, [orh] [orh] okay okay I I think you got say before you got the got the seafood one right and all


got buffet also meh not not just barbecue only ah


or to barbecue ah to grill ah,


okay describe a time when you laughed too hard ya, I think recently one is the hardy one


the the uh no ah his his his girlfriend mah he got a new girlfriend mah then is like snow clock, inside jokes whoops


dude that's damn funny,


ya I think it quite a lot


ya that's true ya I mean become become very common already, ya damn funny ya


now now now like other people also doing like that like the like the like the johnny sins one , ya ya ya but it's something same concept ah


ya that's true, so dion would you want to do it


but it's it's just a online persona you know it's a online character I don't think his , I don't <P2>steven lim</P2> is that
retarded
 lah offline lah dude he's damn smart he's damn smart he do all these right then he he earn so much money for it ya


ya ya ya, he just he just got in at the right time lah


okay come you pick your question


okay let's let's talk about like the last one describe a time when you took a risk and and was rewarded with success


what what you mean ya dude I love risk I love risk like I don't know is , no no no it's damn damn stupid like you know when we play that day then like hardy hardy hardy is like making stupid play and then he he just got it ah his luck just hit lah


ya lah but but ya lah but but my one is not risky play what is is like logical you know, then sometimes sometimes like hardy !wah!, tilt you know really you playing stupid playing like stupid as stupid hands


ya, really, you know you know you know you know every almost every decision I make right, like more important right I I think about risk and reward eh like now


really ya I like I like to take a lot of risk like like now also now now like I I not working, ya I not I not working then like I just I just doing like trading and stuff lah so ya so like


not not working, no ah oh dude is like they they don't want they don't want me already they don't have like afternoon shift no ah never fire lah but like you're not really needed that much anymore cause like there's no one what it's like at MBFC eh everyone work from home


ya so like, ya so I'm I'm I'm just I'm just basically stay at home ya stay inside lah but, ya dude the the manager ask me go Changi sia uh stupid I I Changi business park I think but !wah! dude


I'm I'm at Jurong sia he said pay me one hour to travel over !wah! like I go I go there come back three hours already, stupid ya ya so I so like I was saying like I I like to I don't know I I'm just a very risk I like risk lah is is don't know it is you don't think like everything very safe right then is like


I don't know not not very fun , nah no lah like uh but I I don't make like stupid like gambling ah so like you see like the risk and reward so if like


if like if you do right how much uh is like let's say like a ten percent uh like okay let let I talk money ah like you put one thousand dollar right , into this this random thing that you buy so what's the risk of it so like let's say the risk right is you can Agak like it's only ten percent you you're gonna lose ten percent but like the reward that you can get right is maybe like fifty percent to hundred percent would you take it ah


logically you will you will just you will still take it right, ya ya so, ya don't know eh now now so basically like I do a lot of decisions based on like risk and reward lor, now then just ya quite fun lah quite funny


is really damn fun is is , ya lah but but but but you you don't you don't always win lah I also don't always win I got lose and I got lose money but okay lah still still earning


take risk ah uh uh take risk, I don't know


why why you want take a safer route though, habit you just you just scared of like losing


okay okay


, dude is so fake ya you're so passive must be like must be like ryan we damn like super aggressive


alright looks like we're done


financial related topic


so what's one financial advice that you would give to yourself five years ago


spend wisely uh for me, let me think five years ago five years ago is what eighteen eighteen where am I oh I'm in poly, (hmm) I think I was working part time ah so ha let me see


ya I think I spend a lot also like like I thought I save a lot but then cause I every time when I have a certain like let's say I earn one K plus from part from part time job right then I will just like spend like two hundred three hundred on like maybe let's say like uh , a shoe or like a like something that's uh rather expensive so I feel like maybe I should I mean up till now I think I still do that and then maybe I should just try to remind myself to save more and like like what you said that the interest rate is like compound interest all that


sort of plays a part also so , ya maybe maybe should have like started earlier and, be more wary of what I spend so five years ago I think that's that's quite a long time also, ya, then five years can actually accumulate quite a lot of, uh savings like my brother actually earn like has way more savings than me even though he's younger


ya just spend too much already so next question, should I DIY or get a financial adviser to plan my finance


easy [siol]


for me uh I think that financial I probably go for financial advisors but then of of course like robo-advisors all this is quite simple but then cause I'm a quite quite a rather lazy person then I would rather have a financial advisor to manage my finances


then but then now like very hard to determine what is a good one or like cause, let's say let's say you may want to like I actually considering to put my my the I I bought the AIA insurance like a few years back right , then I don't know whether to put with my friend or not cause like but then you don't you don't know whether the friend the friend maybe like even though it's a very close friend of yours but he may he may be only like one year two year plus of experience so


he he may not be as much as compared to maybe a stranger who has way more experience and know what to do with your finances so , I think that's that's one thing to consider then like, for now I think I will just keep with the like I I is currently with my mum's friend lah so like although I don't really like interact


with my agent that well but ya so maybe in the future will consider like giving it let it be handled by a friend so that at least is easier to communicate things, ya, I think now like not much eh cause like one year two year plus only so like like one year two year plus only then like not very like not not much experience also so need to like see how


ya so yup, moving on


uh my one let me see manage cashflow !wah! actually I don't really have a how much allocate I think I I try to try to go, by percentage but don't I don't really follow exactly so let's say if I earn earn like I mean cause like uh


uh let's say food I mean like like I would try to save like maybe uh fifty percent like and then the other fifty percent is used for like spending like less daily expenses or like if I want to like let's say reward myself or something then I will buy like maybe


okay maybe I shouldn't do it as often but maybe like but get like , what did I get recently oh I got like a like a eighty dollar shoe or something ya then then the other fifty percent is definitely to savings but of course now I try to consider into investments also because savings itself is not gonna like like


grow my money in that sense so uh that's something to consider also like I'm I'm more wary of now


!huh! you don't buy anything one meh, you don't buy it you don't buy it like, I mean clothes all these also count what not just food, !wah! shit then I then I fuck I'm


I messed up


okay okay okay next question what can you do to earn extra income or improve your income level, I mean cause we are both students it'll probably just be working part time, so how do you earn extra income so like right now I'm doing grab so I guess that's extra income and it's very flexible so like like in a way like you can plan wherever whichever day you want to work ah and I think that's


even in future jobs I mean I I I of course it may not it no it may not be , it's not every job that will come with this kind of flexibility and I but I feel like it's one of the more important factors ah and this can help me like , like let's say if I work when school starts right I can still earn a certain sum of money and then least uh manage probably like expenses food expenses all these


and ya that's that's just one way cause we are just students right now I think , like the most obvious reason would be working part time oh of course there's also internship and stuff but that's more for the learning experience and not more then less of the allowance, the money


bakery (ppc)


do you have the habit of saving money eh of saving why do you ensure you meet your saving goals, !wah!, I don't have saving goals lah shit I think I should have but right now I think it's just to save like I don't have have a short term goal maybe long term goal is of course to like like pay off like school fees and stuff


but habit of saving ah , I I wouldn't say I have a very strong habit like have but not that, much ya, ya and is very hard to manage like like like how much exactly you save right now, especially cause of like uh uh let's say Paylah right cause you deduct every time you deduct from your bank and then you don't look at your like bank's like


uh savings like the amount that you actually like you spend so it's very hard to track I mean in a sense you can just keep going back and see the history ah but I feel like all these , uh e-payment methods right make it very hard make it slightly harder to track what you actually spend so


ya and of course it's good to cultivate a habit maybe like to track it via I don't know like some sort of app or or or taking notes like how much you exactly spend on a daily basis but , ya I feel like such such payment systems right make it harder for me to actually know how much I spent then and and this in turn to how much I save


you know now my my grab grab car every time grabpay grabpay grabpay grabpay then my e-statement come out it's all grabpay grabpay grabpay I don't even know what I spend on, then now ah I feel I feel like I just cause you keep topping up topping up topping up then like the amount just keep like like accumulating but you don't even know you cannot really remember what you spend on unless they state the thing but they don't


ya sia then like !wah!, ya then very hard to keep track, okay next


yes ya shit I need to stop spending so much, ya I never


I don't know man I think the the COVID period made me spend too much on unnecessary stuff like clothing I mean I didn't spend a lot but a bit like cause they keep giving thatat thirty thirty percent off that kind of thing !wah! then like, !huh!


I mean you can buy got got a lot so many thirty percent off or whatever not so it makes it like even more tempting to buy then justify ah you know how they say the one need ah like , the the what you need and what you want whatever thing I try ah but then cannot


in the end you still buy what you you don't really need but you still want it then but of course like not to the extent that, everything I also buy ah cause I got consider, like, things like like like which one is more, ya


I don't know more worth I guess like which one I want more then , whether is it justified or not, I like like let's say for the shoe example right I justify by saying that cause my shoe going to spoil already then I just buy new one that's how I justify it


I guess I don't know ya


!wah! everything also, on stocks say what


too much on stocks got eh got too much one !huh!


!wah! no just buy just buy you next time can say you come back after your hall finish already can still come back and use what, that's true, no just buy just buy


!huh! one K only what just buy, !wah!


what advice can we give we're just ha, [orh] what advice, I don't think I'm in the right place to give advice okay you can start first


ya that's what a lot of people they do like like know like the insurance policy then they like, they they have this particular insurance policy for that particular goal as you know like so like let's say let's say you know you you want to save up for for uh uh, I don't know a house like like like maybe you and your girlfriend get together now and then you know that like five years or ten years later you are going to get a house or something like that


then therefore you you actually invest this insurance plan then after you know that after ten years it will mature right that's the right time to actually , use that money to let's say, get a house or something like that so I guess that's one way to, to


to solve manage why how much you save and then like reach your, big ticket expenditure goals, I guess ya


I mean some is fixed one oh what's that called like those one lump sum one, uh ya that's true [orh] the the the monthly installment one ah the one the what's that I can't remember the term shit but ya


okay so I guess


negative experiences


doesn't really make me angry to the extent that, I think is like you you see for a while already after you realise like oh you angry a bit then like eh move on that kind of thing, like, what what recently happen ah


oh that that that that that we were talking about it the one hypocritical like ideas and and stuff what right ya but then I think, (hmm) doesn't really make me angryish, I guess it just makes you think lor like


like like certain things that make you more wary of like what's going on around you like you didn't really I mean it doesn't really affect us in the sense that cause like singapore don't really have this sort of , like the not not not with regards to like like black people and stuff kind of like


racism and stuff but maybe in other ways but after a while I'll I'll just like, forget about it already, after like how long or like do do you treat it very very


like


ya ya ya ya ya ya ya that's true that's true that's true that's true


ya ya (ppc) other countries ah probably , uh what other question


uh skip !wah!


what dreams ah there's so many dreams, do you have a dream I don't have a dream sia like, my dream I always say my dream is to find a dream, like to find a, like what I want to do in future kind of, thing


like up till now I still don't know sia like some people know some people know lah which is, I think quite in a sense good lah but , a lot of people like just, go with the flow, and that's me which is quite sad, do you know what you want to do


[orh] legit start a what hawker, [orh] legit


so does that dream die a little with each passing day, no why, ya that's true


!wah! helping someone why why would you feel awful after helping someone, no leh as in you'll feel, [orh], don't really recall any of that stuff eh


you got any no no no I don't have every time I helped somebody just like happy or, like, like the especially you helped strangers then like !wah!, I don't know okay never mind


oh oh, uh okay ah small one ah like like there was this like lady right, she at shopping mall then she asking people for money then say oh I think she said no bus or what need two dollar then I I I usually don't even give this kind of stuff one then I give sia I give quite long ago I give like she asked for two dollar so I give two dollar


then after that freaking hell she went to every single person after me to ask for two dollar then of course you will feel like damn tilted what like she like, just ask from everybody two dollar in that amount amount of money you accumulate is how much like keep asking asking asking ah that one that was just a small incident


that makes you feel angry I don't know ya whoever ask for you money right like all those like weird weird strangers got some people damn weird one really, but is like


ya lah but like if if it's to like take bus or like I don't know for certain purpose then we you you you give


!wah! !wah! I think you can be a priest already or like a monk already !wah!


!wah! , ya ya of course lah that one that one ya, true true true


!wah! ups ups so positive oh shit but this about negative how can you why you so positive it's about negative stuff uh, okay I I I say my one describe a time you were looked down by your friends or relatives so that time I say already but I just say again whatever so last time primary school like got I got bullied a lot I guess


cause of legit like !wah! I remember like cause it it sort of like like like like I think I think like might scarred me a bit I guess I don't know like like primary school right, primary four or five ah five ya then I think I eat too much western food the fried the fried chicken then my father every time buy back then I eat the chicken skin I don't know then I got I got fat


then then after that like if fat then what's worse after I got fat right is that the barber got once right accidentally cut my hair Botak then you combine these two like fat plus Botak right it makes you look even more fat, then then after that you just go like Kena Kena bullied lah by my close friends then like say what oh fat bald fat bald whatever shit then like run away from me that kind of thing


dude now now look back quite funny right but then right that time !wah! !wah! I really like, I was like like conflicted cause it's like your close friends and then at the same time they were like they were like like like so called indirectly bullying you and stuff like they know they know I cannot run fast so they run away from me that kind of thing then


!wah! like really sia like I think that that that was like that affected like a bit like I think as as now like how I am right sort of like affect the personality a bit ah, made me less confident and stuff ya, then then , then I guess I don't know what happen like like like secondary school I think I grow taller then became less fat


then less people like like say fat and all but then, then my friends exercise also so like I just join lor then I think like why why why do people even go gym that kind of thing then in the end in the end I just follow and I don't know I just go and gym and stuff, which is good I guess I don't know


so ha I think like like we, the the time go out and then that time as in after a while you rest !wah! I eat too much supper right then like like damn like very gained weight right, then I go and exercise more lor like I mean is then in that in that way is not bad way already I feel like it's a good way cause you you know that you will go exercise that kind of thing but right now is different case like people call you fat then you like