I think oh I think one concert that I was like super excited for was err Khalid'S concert cause, it was like err my it was like like I really followed him for quite a while like really enjoyed his music so I was like super excited to go for it and the thing was like it was err like two days before A levels then I went so I think that was


something that really motivate me to study hard and err ya I really couldn't wait for it and it was very good and I was also like studying while waiting for the concert to start so that was quite that was quite


like ya what about you


do you do you enjoy, ya I agree


I I guess like whenever in school and then like err, whenever in school and like just spending time with friends like they are always bound to be moments where we just laugh at something for too long ya be it laughing at someone be it laughing at like a teacher


or like ya just anyone I think like the school times were great cause ya we always like laugh a lot


financial related topic


err yes I do err I personally use err DBS bank to put all my savings inside and err I actually use DBS because one of my friend recommended me to do so what about you


ya then err do you like if let's say you have you earn a amount of salary then do you put everything inside or do you have like a fixed deposit every month or what


err for me I will personally err have like normally I will have like a fixed deposit and I'll transfer it to another separate bank account and that bank account I don't touch the money inside it's just purely savings so for my DBS account is all the money inside in a way err


I allow myself to spend yeah okay, no for saving, yes, under UOB


yes, err I personally created a uh no I personally have a credit card uh no a debit card all along err but recently err my mum has recently made a credit card for me


to use sparingly especially for groceries ya and I personally feel that having a credit card is, err, it it requires high responsibility because it is spending future money and then like it does not have the control that debit card has what about you


ya I also feel like the debit card is very useful especially when err as of now I don't have a student a student EZ link card so connecting err connecting the debit card onto my phone is very


convenient for me when I take public transport


oh the the one I have is actually the for the NTUC plus members one, ya it's it's like quite is it it it is meant to collect points when you shop at NTUC


ya but it also functions as a credit card ya, I feel like at this age because I don't have a a stable income I don't really feel like I should have a credit card unless it's for I I feel like I shouldn't use it unless it's for emergency


ya because credit card needs to you need to have like a stable income if not you can't have it what about you


ya, save money


ya has so have you purchased any err insurance products before,


ya same for me I think since young err my parents have purchased this health insurance for my whole family especially err when we travel ya I think when travelling it is very important to have insurance as


it is to prevent you from losing money let's say you get robbed or let's say your suitcase was like damaged during the flight then you can claim so, I guess that is one of the more important err events that you need to buy insurance for ah ya


yes, no I personally haven't but err I'm looking to get a loan for my err uni school fees yeah what about you


ya, (mmhmm)


a month


pay straight up


ya I guess I can consider err looking at at your plan, so do you think couples should combine their finances and open a joint account


err for me I personally don't feel like I don't feel that err it's not necessary that a couple should have a joint account because I feel some , I feel that a couple even though like you're married but you are not you are not err a whole you know you are still two different people coming together as one so like I feel


maybe having separate accounts would be better it depends a person it depends err from different couples ah but then personally I feel that I wouldn't want to have a joint account I would prefer separately and then of course like you shouldn't be so calculative about your spendings you should be more


I think at that stage where you all get married the spendings wouldn't matter that much because you are in it for life so yeah


ya I guess like you can have a joint account for like if you are expecting a child so like maybe you can start like putting in money for the education you know


sensitive ya


okay at what age do you think a child should be given a ATM card to manage


fifteen yeah


learn,


I uh I I I know that uh to have a ATM uh ATM card you have to be at least sixteen and if you want to have a debit card you have to be at least eighteen years old so probably the right age would be at sixteen ah because since you know the bank only allows at sixteen


and honestly having a ATM card is not not much difference err from taking allowance taking cash from your parents because, err ATM card cannot like it cannot be used for err online shopping one it is just purely used to err withdraw money at your convenience


ya so I guess that's good if like you want to let them learn how to control their entire monthly salary or weekly salary, not like giving them days at a like err daily uh not salary daily allowance ya


okay, err for me it depends whether err I'm working or not for that month if let's say I'm working then I will


like err spend a little bit more on shopping and food but if not I would try I would try my best to eat at to find cheaper alternatives for food and also not shop as much and save the money ah because ya I'm not working but


yes what about you,


so what have you been spending on too much


yeah, ya,


, , for me like during circuit breaker because err like we I can't do much at home like it is quite boring so I've started like some online shopping going on going for some online shopping sprees and and I have been spending like quite a lot of


quite a big sum of money and I feel like err I should start saving I mean I should stop buying things now yeah because I've been spending too much


, ya


so like do you feel that like would you rather put your money in a bank which is safe or would you choose to invest it elsewhere


, yeah,


yeah,


yeah, err I feel that yes lah the bank interest might be very low but it is hundred percent safe I would say and but on the other hand if you invest it in somewhere else then there will be risk definitely but then you


you might have a chance to earn more from it so I guess for now it might not be the best option for me but when I start working and have a more disposable income, maybe I would try to invest my money somewhere else because err even if I let's say lose all the money it will be fine because I know that I have a salary every month coming in so it would like kind of make sense to take the risk yeah


ya ya I guess something like that yeah


negative experiences


I feel recently the injustice err topic has been quite big especially with the black lives err black lives matter movement ya and seeing george floyd and many other


many other similar type of stories surfaced is quite err disheartening to see ah ya and also I feel that another group of people that are getting in injustice especially in singapore I would say the LGBT community


ya cause other countries they have they already have legalised err same sex marriage but singapore hasn't done so and I know that there might be political reasons but then , I would feel that is more of it's more of how you see it yourself as a person lor yeah but it makes me very angry that that it is not being legalised yet lah yeah what about you ya


, ya,


, so would can you describe a moment where you felt like you are treated unfairly


, be there


yeah


I guess err for me it it is not so much as unfairly as of now because I feel uh as students when we when we go to work right it's like it's just a part time job but then I'm aware that


err if let's say it's a full time job and you move on to higher positions I'm aware that uh women tend to get paid less compared to men and I feel that this is also err one of the injustices in the world that is very prevalent in our society now


ya even though like there are many campaigns going on about woman rights you know but is it is still a very relevant topic in our society now ya and also a topic that is that is getting injustice would be uh


like being a woman is like you are being a girl you are told to not go out so late and not dress so uh revealing but then


that is that is up to uh your own personal preference and then it it shouldn't matter how you dress and then you can and like people shouldn't blame you how you dress that resulted in a in a bad experience like maybe a molestation or you know


or sexual harassment but then, ya I feel that it is something that is treat uh that women are being treated unfairly for ah yeah


, ya


yeah,


ya so what dreams of yours die a little with each passing day


ya I think same for me because like since young err I would say we we are not exposed to all this real like reality yet so like from young I always look up to my parents and say like oh I want to be like them


like be able to like go to work like cause I I I didn't know that , they have to put in so much hard work just to earn money I thought like I thought that going to work means just reporting and then like just you know doing their jobs


err err Borderlinely and then come back home spend time with family but then as I grow up I realise err that is not really true because , you need to work really hard in order to get where get to the top and like I know some jobs are like err twenty four hours is like you don't even get to rest yes it may be a high paying job but you you maybe you don't even have time for your family so I feel that


being happy as a dream throughout your life is not really realistic lah I would say like it is it is it is something that you have to sort of give up in exchange for that money lor yeah


ya,


ya, ya so err what keeps you awake at night


, , I think for me will be similar I guess like for people our age is like we tend to worry about the future because we are at that age where we are like most of us are still trying to figure our future out like what we wanna be when we grow up


and then all the choices that we have to make like gets bigger every time we grow up so I guess like growing up scares me a little ah and when I can't sleep I always think about like where I'll be in ten years


it's like quite scary to imagine, and also like ya is is it is just err growing up comes with a lot of responsibilities and, as of now I'm definitely very sure that I'm not ready to face it yet lah ya and then that scares me sometimes


yeah, , err I would say during the whole err year that I was err retaking A level like that whole year was pretty tough I would say because like err I had to go back to school to learn


and to really like err try my best to like because obviously everyone will have higher expectations for you since like I'm retaking it for the second time, and then like I also feel like the whole world is like so dull at that time and then like everything wasn't going my way and then everything was so tough so ya I guess that was a really dark place of my life but I'm glad that I Overcomed it already so ya what about you


yeah


yeah, yeah


, so like let's say if you are going to die tomorrow what are your last words to your loved ones


yeah I guess I would say like to my family first that like I'll tell them to like not be so sad like uh we will meet again you know and then like I will also go and


like talk to my friends you know for the last time and maybe like a recap on our memories together whether is it funny or like sad and then also , ya I guess like death is like so like because no one has ever err experienced it before that is still alive lah like you know common sense


so like I also wouldn't know what I would say to be very honest like it is so like foreign to me to everyone that is in this world, ya so I guess it is very it it it won't be err like I wouldn't know what to say to be very honest because who knows like that tomorrow you'll die you know like it's that kind of like you you you won't you won't know what to say one


so I guess every day uh I should tell my parents that I love them and tell and treat my friends very nicely yeah, yeah


I would say during this circuit breaker because of my uh losing weight journey I have wanted to give up a lot of times because uh as I've honestly been quite uh overweight my


more than half of my life so exercising for me especially running is very very difficult for me and, ya it takes me I have to really uh have a strong mind to finish my workout every day like I really have to self talk through myself you know and motivate myself and ask my friend to motivate me


so yeah that was a time that I felt like giving up recently what about you


(hmm)


ya,


K positive experiences, K, I think the main thing that actually makes me persevere is through seeing results even though that is like kind of very shallow but like you see an example would be like during this COVID period I tried to lose weight and then the more results I see the more


perseverance I would have even though I know like I need to run and then like I don't want to run but then knowing the fact that oh uh doing this activity will make me lose weight then I will persevere though even though it's tough what about you


(mmhmm)


(hmm), (hmm) so in uh in the post COVID world who or what are you newly thankful or appreciative towards


, yes I think for me like other than family I would say like the migrant workers, because like I know through this COVID then they got more uh in in a way recognised and then we got to see like how their living conditions are quite poor and like no one knew about how they how they are living


which is like quite bad lah like they came to singapore to work hard to send money back to their family then like they their they live in such bad conditions so I guess this COVID situation brought that to light and then I also feel like those road cleaners


they are I think we should appreciate them because uh I know yesterday singapore had a very big rain and then because of this COVID , the drains and all the reservoirs have not been uh cleared recently so due to that congestion there was flooding so I feel that that is something we took for granted lah so we should be appreciative of that of them


yeah, yeah,


heart warming


yeah, uh share a funny inside joke that you and your group of friends still laugh till this day,


yeah


(uh huh), like the whole group the whole group will just like make a big fuss about it, yeah


I think for me would be err okay I can't really remember but this is this is just one that just pop up in my mind but then uh I remember having this very bad work experience at this particular place and then now like I don't know why I accepted that job but then


me and my I mean my friends will always like uh joke joke about it like every time they go to that particular shopping mall then they will just send it to me because it brings back quite err bad memories for me yeah


yeah, I feel like uh I guess returning oh I a it is not just going out I would like to go out without a mask because wearing a mask is so like stuffy and I don't know it just makes me breathe very heavily


yeah so I can't wait like to till when all the all all the virus I mean I can't wait till they find a cure ya I think that would be the best situation ya what about you


, ya ya ya


, ya err describe a fond memory you share with your loved ones,


I guess err same it was during the circuit breaker period and then cause like since everyone is forced to stay home so I interacted with my family more like because before the circuit breaker I would have more, I would like go out more often and hence will not have many meals with my family but because of this circuit breaker I wouldn't say I'm being forced but then like it is just a very err good period to bond with my mum and also we started err baking together


more and through that we just bond more lor I guess so I feel quite blessed yup, yeah


I would say that okay so because I, didn't do well on the first time that I took A levels right then through that year that I retook I feel that I


mature more like I I feel like I've my responsibility kinda increase I would say like I would I was more self aware that err like this was my future and I couldn't like mess it up again lah but then


I just feel that as a person I've grown a lot in that aspect of taking things more seriously and not just err fooling around lor, yeah what about you


yeah, like the result ah


, yeah


yeah, okay so what was the best meal you ever had


ya,


ya, (hmm) yeah


, I think for me err there's no such thing as the best meal because I've a lot of good meals but then I will say one of the best meal that I had would be err at this place called genki-sushi


like I personally love Sushi a lot and err ya and I can't wait to go and eat it again soon but the best the best time that I ate it was


it was a few months back just before the lock down started and I I just had to eat it one last time, ya so I think that was the best meal ever yes, yeah


yeah, best surprise ah oh I would say recently it was err my friend's birthday and then I gave her a pair of earrings and actually err I didn't like think much about it lah I just thought it it looked pretty cute


but then it it turns out that she she loved it a lot and she has been wearing it for quite some time now so I feel like it's an accomplishment that I've made you know, yeah what about you


yeah ,


describe a time when you can't wait to attend a special event or a concert


yeah


I think for me err it would be BTS concert because like err I I know this was it happened okay the buying of tickets was, it happened before A levels or before prelims and then I knew that I wanted to go so badly because they rarely come to singapore and then they are so famous it is damn difficult to get their concert ticket so me and my friend we went to queue at singpost at like eight AM in the morning


and then the queue was already so long we were so disappointed but then we tried err using the telephone way so we called in like hoping that we will get through, and then it turns out that we got through through calling so in and we were still in line at singpost so we were so excited yeah so that's my favourite experience and most err look forward concert


yes, yes err I had a very great time err seeing all of them real life because it's like quite magical you know yeah yeah


so uh describe a time when you laughed too hard I think


yeah,


financial related topic, so joe what's one financial advice that you'll give to you five years ago sorry to the you five years ago


oh so, ah so you would say that, there you would then won't really like financially versed uh but you're like, we like much more better as compared to like yet time uh


ah so you would say that like you being a student I supposed like like it's a main reason why like that's not much difference between you then and you now ah


okay, well err for me five years ago I like I'm not really tracking on my spending at all I have like zero financial uh uh financial tracking habit


so like I would like just buy anything without like thinking twice uh so if I like something I would like just go ahead and grab it so, if err I were to give eh eh eh I think now better already lah now I still got now I will like track occasionally


but if I were to give myself then err one financial advice I would like tell myself like to download some financial tracking apps on my phone and record yeah


ya super controversial, personally I feel that there's no need for us to get financial advisers to plan our finances I mean per ya personally for me the cause I feel that like


ultimately they are out there for themselves lah like they are there to earn commission so ultimately your money is like is like their money also, ya, ya


agree agree well said, ya I have a a couple of like personal protection plans uh ya I I have health insurance uh ya like hospitalization uh death accident


ya, I think those are important oh is it, damn what what what what made you buy why you bought the plans


so you think that like by having a couple of like (er) personal protection plans will help you to manage your finance better lah


ya we are talking about finance, ya we are not talking about insurances bro


oh ya, ya, ya I think you should I've already gotten it, standard chartered right ya, uh I think you should but the the maximum cap is ten K only so


maybe you can keep the rest in your standard chart also lah if you have more than ten K, ya but compared to like other banks I think it's not bad also cause they don't have like minimum spending requirement


ya, that's what I I heard about it is it like a trading platform, oh no


sorry it's a add additional what account, oh retirement like CPF kind lah


wait so we can have like our own SRS account now already


that's pretty cool, ya that's that's a lot ya (hmm) so maybe I will try getting that once I start working and I think you should also lah


ya that's that's really true


okay


ya at least now we can like pre plan, ya, ya so like they're like laying the foundation now right


so what are your thoughts of like CPF contribution, since it's like, ya


err no lah I think it's about thirty seven percent eh wait wait wait no no ya it's twenty percent you are right ya ya seventeen percent, ya


so you think it's a a a good thing rather than being a bad, or what about the age limit like upon withdrawal ya like you need to be like sixty five or something to withdraw right


right


but what if you need, ya that's true


like you can use each others' account right ah okay okay so in other words it's actually like in essence it's actually a good thing lah


ya I think CPF also gives like above two percent right interests rate, ya RA is like four ya


ya, ya so do you think like you be better if like they create an app to track our like CPF savings like much more easily lah like cause right now like


we have to like log on to online ya but that's like way troublesome like if there's an app that we can like you know just press on our phone going to be like much more easier


ya we can recommend maybe we can make this thing work okay okay, oh SRS the supplementary retirement scheme right ah


well you don't need the questions to guide you, how do you spend your money ah


well personally for myself I would to buy like health uh like commodity and like technological stuff uh like iphone fitness tracker like I just got one


ya it's call a garmin ya it's a garmin ya so like I feel that with good health comes good wealth right do you agree about this, I I feel that ya with good health


comes good wealth lah so like if so like I feel that by investing my money in, yup isn't that what I say no hor, okay lah I mean like one thing leads to the other then the other thing will you know it's like a full circle


ya, I'll spend I spend mostly on technology and health lah, ya, cause I'm healthy then I can work, what's my saving account !huh!


sorry, pardon me, ya right now I will track my expenditure occasionally ya through like phone apps ya how about yourself


but I heard that that's a couple of wally apps, like excel spreadsheet


coffee bean got a lot of what sorry, payout what what do you mean by payout


oh you mean like circuit breaker or what, oh like the six hundred dollars that


like the financial fund right, so it so so you would see that you, recently track quite well lah seems like


you know they give like one lump some of money, and they want like motivates you to save uh


sorry my mum is what


eh actually no but like my dad told me that like I do not need to give him err cause he has enough savings in his, bank uh ya which makes me believe that like saving is important lor and man and managing our own finances well is critical uh then my mum she's


ya like cause she is a self employed she's a property agent so like her income is not really fixed so months where like on bad month she can potentially earn nothing at all ya so ya like


even though my mum didn't like outright say that you should give me like some of your salary once you start working like deep down deep down inside like I will still like you know give her some lah like maybe


ten to twenty percent of what I earn monthly ya and then I will save like, another twenty to thirty percent in my bank so I will leave like I'll be left I'll give my my mum like ten to twenty percent ya ya and I would save like twenty to thirty percent in my bank so I'm left with like fifty percent


for me to spend ya, ya which I think like it's good lor like at least I save some money I you know release some burden off my parents ya


you mean like being financially free financially independent or, ya definitely definitely ya ya how about you


sorry, oh I thought you say like I want to leave now , well not you can I mean if you are staying alone err super cheap err rental option out there like err room rental in like a two bed room apartment


I think that's like very affordable two hundred plus three hundred dollars ya ya ya room can rent you didn't know, ya if like the landlord is only like one person and he's staying a two bedroom HDB flat


ya ya definitely not like ideal location


ya maybe that's why lor next to MRT, so it's like quite up already lah like you get aircon and like you live next to an LRT so


so right now you you don't you don't feel as in like you don't feel financially independent enough to like live by yourself uh


very wise, ya, but speaking of school fees like I I understand that like they cost around eight thousand a year or something so like are you like currently paying them like out out front eh up front or like are you like


taking up loans from the banks et cetera, like hundred full hundred percent or


sleek sleek, ya, ya so that's good that's good we are like saving money, by earning interest lah


ya that's crazy crazy a lot, so like after this entire like COVID like pandemic situation ends right like what changes do you think you be making to your financial like habits uh saving spending habit


ya, oh you do investment


so like what like which is the main you know like saving platform you would choose to like place your money in, oh stash away I I heard that they are quite a new company right


okay


I guess we can talk about it next time


part three negative experiences, oh oh yes joe


what are the injustices of the world uh that makes me angry injustices I feel that right now as of today there are still a lot like


injustice in the world such as like err like the black lives matter movement racial, you know like disharmony and also gender equality


and also like LGBT issue ya so I feel that all these things like irks me ah like why can't the world just like accept each other for you know what they are instead of like judging and making like


you know like having deep uh predisposition on like like based on their looks based on their age based on their religions race err gender sexual orientation ya, so ya this this thing makes me angry uh ya


oh okay I think actually I can talk about the world as well lah like I feel as err our globe like we have made progress over the years I felt like these progress like


some like sometimes people still like, didn't really like they just take things for granted lah and there are minority of people that still you know have these kinds of like stigma and discrimination towards these minority groups uh ya okay then now bringing back to


uh singapore context right like ya there's a few things that there are few injustices in singapore still ah which I feel such as the three seven seven A a law that a penal law that


the government has like you know force down on us ya ya ya I feel that like no matter who you are what you are who you like or what like whatever else lah whatever you do like shouldn't matter lor like


everyone should deserve you know what they deserve lah like which is equality lor like, there are people, should really like


ya I feel like people shouldn't take the privilege that they get since birth or granted lah ya, ya and I feel that ya sometimes in singapore also like race there are like some racial disharmony lor like


ya I'm sure like NT NTU confession you can see quite a lot lah, ya ya okay so there was this, okay cause now it's like circuit breaker period so like a lot of people very very like #bo liao# so they just post on NTU confessions ya then


a lot of them were like talking about how their boyfriend like, okay the person is a girl ya so that girl like a lot of girls are complaining their boyfriend like buy them some lame gift during circuit breaker and uh not replying to their text regularly lah ya so they feel that they are


oh ya ya ya okay err let me explain myself first ya so err ya they feel very entitled and privilege ah like that their boyfriend as guys should give them things that un materialistic


ya there are ma materialistically uh high in value and, should spend more quality time with them like through zoom call and stuffs lah ya which I feel that is a main issue in gender discrimination lor err gender un equality ya like why must like guys you know like treat girls


you know like differently like why can't both people you know, just see each other as you know human beings lor, ya


quite triggering, ya definitely


but that's very rare lah


ya I mean it's perfectly understandable for them to like stand for what they feel is right cause they you know essentially belongs in those groups right ya but I mean like if you were in the majority group like


most of us like you know take things for granted lah like you take our natural born privileges for granted lor so like ya I feel the world be better if like the majority group you know will make an effort you know like


to help those, ya like put themselves in the shoes of the minority groups lor, ya, ya cause it's really really tough lah like you know if you face discrimination everyday not being able


ya, ya especially if like


ya, ya


ya definitely ya it's changing it's changing ya


time ah, ya, ya


anyway ya like let's talk about something more like sensitive now like if you are going to die tomorrow right, what will be your if if if you are going to die tomorrow then what are your last words err you feel like giving to your love ones and close friends ah


deep question


and your close friends


will you sing them okay okay, like live their best lives


that's good that's good that's very selfless and, thoughtful, oh sorry I think your screen hang


okay K K can already what what were you saying so what about


then what will I


ya, complication right, ya


that's actually quite tough I will be like, ya definitely


ya ya definitely ya would try to I mean like, it's actually quite a tricky question and a tough spot to be in ah cause, you know


you feel like living a best life for yourself like by checking out as much things as possible in your bucket lists but at the same time on the other hand you feel like indebted to you know spend more time with your, love ones and err close friends as well lah so


I wouldn't say like I want to check as much things out from my bucket lists as possible but I would like want to do many, ya I would really want to like spend as much time as I want with my family


ya, ya, and friends and close friends ya ya I won't waste my time on normal friends uh ya, ya


oh shit I would I would tell them to miss me lah of course like why would you want someone to forget about your your existence


ya they will be sad but you actually help them you actually like pre empt the grieve the five stages of grievance uh earlier so that they can get over it faster lah ya cause if you don't tell them I mean eventually they will like


go through the five stages of griefs also lah so why not tell them earlier


personally for myself, as of right now no and I hope that that day won't come anytime soon ya but I'm aware that that day might come anytime soon also lah


ya so I'm like mentally prepared also lor, how about yourself


like very bad or grief uh, so I guess both of us don't have any


you know like very bad experiences with losing your love ones uh, matters to you a lot


no, I don't do you have, you feel comfortable to share, if uh


like, I mean it's perfectly fine to take your time


right ya, and that like kind of like brings what you said back to our like first discussion lah like ya I mean err ya first discussion like if it's meant to be will be ya uh ya and whatever happens make you stronger lor


like, okay okay K let's talk about something more positive negative uh like, something more, ya something more like ya


err okay could you like describe an embarrassing moment that make you cringe


but it's in the list uh, ya it will be funny for some but but uh for people who are very self conscious about their actions and their appearances I think it may be one of like their negative experiences


you are not what, ya ya ya I have , I have experience a couple of like embarrassing moment ah that stuck with me for a while ya and now thinking back it made me cringe a bit lah not as much as the past but ya made me cringe a bit now err


I can share with you like I don't think you know about this but when I was like primary one or primary two right you know like we have like, fire drills and stuff


ya so like we had to, evacuate from our classroom to the like field outside lah which is quite a long walk about ten minutes walk to the open field, oh I told you what the heck


oh my god damn I'm impressed, okay okay ya okay so ya you know already your turn, ya


ah I don't think you should share that


the, ya


!huh! serious ah


so it's like not it's like a screen shot, oh damn, so so it's embarrassing uh


oh no, oh damn that's that's terrible, ya, okay


ya luckily everything was okay, ya I think we left is like fifteen seconds


part two positive experiences, err so joe err what makes you persevere in life like I know you as a quite a independent and strong build individual


ya so is there like any like certain points in your life that err or experiences in your life that make you the way you are today


ya like what makes you so independent and strong build, like if it's meant to be it will be


right, ya most likely they will say yes


ya not genuine uh, ya it's ya


ah ya I totally agree with you but


ya, come out stronger lah


right so like, like I understand that like when going through like certain hardship as well like you may feel very alone very down like ya like just shitty, ya so how do you like you know put yourself and like give you that drive to you know think and feel positive ya


okay but you know like when when when one is feeling down and all right like you really can't see things clearly and think things through at all lah concisely so like how do you like you know


like gather your thoughts and, you know choose to think and choose to feel what you are feeling lah and you know like de clutter and like like segment those bad stuff away


ya but do you have any tips like how like on how to detach, ya


right


ah I see I see so I guess what you're trying to say is like like try to put yourself in another person's shoe for example like your best friend's shoe like understand that thing is not as


rough as it seems uh, like


okay okay so it's something like, like love like like being ya I kind of get what you mean ya


sorry, how do I do with shitty time in life


ya plenty plenty so you're like bouncing the question back at me (ah), ah okay how do I deal with shitty time okay so to be honest like especially during these like COVID uh circuit breaker lock down period like


I was feeling shitty like, at least like one third of the time cause like you know we are all separated from our friends and we have to be stuck with our family like all the time like you can't even have like alone space and alone time lah ya


so ya like I'm experiencing it quite a lot this period quite a lot and err jeans are clothes I can't even like go to the fitness corner in err my neighbourhood park so that's quite shitty as well, so, ya like I'm experiencing it quite a lot this period quite a lot and err gym are closed I can't even like go to the fitness corner in my neighbourhood park so that's quite shitty as well


ya so what I try to do to get through these shitty time is that I will try to go for a run cause that's not restricted ya so I'll try to go for a run like


like uh once every few days and I'll try to like get a friend to like do a zoom workout with me ya to you know like get my blood pumping and I heard that exercise help one to like you know


feel better as it you know helps the body to release positive and happy hormones like uh serotonin and adrenaline ya so like ya like I would say that exercising is one of like my


main drive to helping me to get through tough times, oh journaling I tried to do, ya I just like normally I would do in the morning but


I always forget to do at night sorry what book, oh the you mean the five minutes journal


oh the gratitude journal, oh ya ya ya ya I was I were referring to that like the like on and off I would like do it in the morning then when it's come to at night like I'll be cause like usually at night you'll be like


very motivated to do stuff like morning will be like your lace period and then at night you'll be like, ya do it in the morning like ironically, cause is the the book is structured that way lor like you have to ya show


ironically no (eh) like even though I feel like super Nua in the morning but, like I was still write it down like three things that I'm grateful for everyday ya but when it always comes to at night like I'll be I'll feel super productive and I'll energized and I'll like do a lot of things like right now I'm being productive


by engaging this non debate discussion ya with you ya but somehow another like I'll kind of like forget to do my journal at night ya


ya, ya really agree, likes a ritual ah


so in other, uh no


ya I kind of I think I heard of it before like you just write anything that comes into your mind right dank


so what what like do you notice any like huge positive changes that you know like she felt afterwards, ah so you feel that that is like that might be one factor that help her you know like that have this like positive


ya ya, ya ya


ya it's very hard to ya ya it's really hard to quantify


so in other words be more mindful and aware (ah) of like your present


that's a what, oh the sign the signs of well being right, by lauris santhos


a positive outlook uh


yup, ya touche touche ya so ya I actually agree with what you say ah ya


oh sorry you were listening to the NTU what


oh the psychology lectures, oh okay okay maybe you can like share with me after this discussion ends later ya


so err ya go ahead, what what is the thing that I look most forward


but the oh ya the pandemic haven't end yet right okay , I would want to go clubbing like since


ya when it likes really end end lah like not you know like the the re the, ya lah that's what I say last time but you know it's been ages since we like last party and does this thing ya right let's go clubbing once this pandemic ends


next year ya ya


very liberating right, ya like I actually feel that, wait have you heard of this mask call uh airism mask


the what, oh it's you


oh man I think after the pandemic ends then it will like start coming in lor, ya sia and then nobody will buy ya, so I guess both of us want to go club


ya, ya so on the bright side you know by choosing what we choose to think, and feel I think we feel more happy at the end of the day lah like we choose to see phase two as being a a good thing you know instead of like being a bad thing ya ya anything err do you have like funny inside joke that


you and your group of friends still laugh about till this day, ya, funny inside joke


ya I just share mine lah ya ya so my experience was like while err having a skype call with like my friend in what country was that australia ya like, it got really laggy like she just froze uh like in front of the camera ya she just froze ya she she froze like that


ya and and she froze about five minutes ya super long, ya ya but she was actually listening and talking lah but we all we all thought that she was err like pranking us err


I can't remember if we talked bad but I I hope we didn't and I hope she didn't hear about it ya but we thought that she was pranking us so we pranked back lah like we we didn't move as well, ya so hopefully she didn't see


I can't remember (ah) like ya maybe we did maybe we didn't


okay, oh no


suggest you together today [oh] any names, [oh]


part one financial related topic


one financial advice that I'll give myself five years ago, save more money actually I think my financial knowledge since five years ago was not bad lah so


so I don't think there is much I would change anyway, ya


no as in like I don't think there's much difference like cause five years ago I wasn't earning a lot also also, ya


that's not much difference ah fine what about you aha


isn't that are you now still


I okay let's see do you think you should get a finance financial adviser to plan your finances controversial topic


you are right, right, true true very true I mean we I know I know we both agree on this point like like the lot of lot of agents out there and the market is like very saturated and they just want to earn commission right to sell


I mean if like insurance then you obviously need uh financial adviser but if is like finance related stuff then you probably do better on your own if you're financial literate uh right okay do you have insurance you have you have personal accident right


do you have health insurance


the normal ones uh ya same I just bought actually like last week I bought personal accident and the integrated integrated health insurance cause I keep getting injured ya from NTUC uh


err cause I keep getting injured lor then my mum asked me to buy but I did my research I think NTUC cheaper eh, it's like


could not finance like insurance finance is different bro actually wait are we talking about finance okay let's talk about finance oh ya you know your singhealth thing the two point five percent right


ya I should start I should make a account I gonna I gonna move the once cause this month is the last month for the standard charted the two percent then I'll switch to singhealth right


ya just put ten K (lor), standard chart is only one percent now also


anyway, I learn about this today you know what is SRS, sound like test right, no it's not it's a supplemented retirement scheme


basically it's like if you're working and you earning more than forty K a year, then you put inside your, SRS you put you put on your SRS then you can have uh income tax relief


ya it's like uh additional RA account lah, ya but that's when, err RA account, ya it's like CPF but it's like no interest so you have to lock your money in but then you can use the SRS account to like fund like your stash away account also or your other government bond et cetera et cetera ya


err actually minimum is eighteen but ya but technically people only have the SRS account when they start working cause they want the income tax relief so you don't have to pay income tax, cause income tax if you earn


forty K more forty K or more a year right your income tax is about seven percent so it's quite high, that's a lot at seven percent out of your forty K


ya, fun fact, ya I mean, I mean like I feel like like this kind of financial stuff right we should start early then once we cause once we start working right when we get our first paycheck and all then we have a lot of money then we don't know what to do with that amount of money


but since we already like we already like quite clear on our like, our spending and our finance checking and all that so I think we should do okay cause once once you start working very hard to manage your money ah like your first paycheck coming in then you don't know what to do with your money


you need give your parents money, you need to pay for whatever bills right, ya should we stick to the question as to prevent off track


what CPF contribution oh oh okay that's a good question I think like, CPF contribution right is good for most singaporeans because, if you compare it to a lot of other countries they don't have this but, it is for people who like cause their force to save mah and the the amount that they save is a lot eh like it's up to twenty percent okay about twenty percent so


because ya plus your employers plus your employees is about while somewhere there lah so if you if you like a normal like normal singaporeans you earn about thirty forty K a month you actually can earn like half a million when you retire in your CPF


is about there lah, I guess it's a good thing for most people cause if they don't know how to save but like, eh is a what age limit


oh I think is, I think is, okay lah to be honest I don't think it's a bad thing because once you reach sixty five then they will give you they will put it inside your RA then after that you'll get


you get monthly payout after sixty something, so I think it's not bad but then, the thing has not so good is people who are working like self employ or like housewife cause they really don't have savings in their CPF


like you think about it like you think about my grandma she doesn't have any medisave at all cause she didn't work cause she's a housewife that's why all the medical bills is my parent have to pay lor, ya


that's the bad part but they are trying to they trying to fix it like they trying to make like the, the husband gives to the donate like not donate transfer money to the to the wife before the retirement ya like like retirement scheme or something something like that


ya, it's, in essence it is a good thing because is better than putting in your in your bank what like you put in your bank then your interests your inflation rate so high then your inflation rate so high your money just depreciate in the bank so much so


right, some more ya, it's not fixed I think but it's like, around there and RA also like very high about four percent


ya but it's money that like people don't see mah cause they park in the CPF then they cannot, they cannot even see that they cannot even do anything with the money


but you can just login to verify what, I mean I guess ya they should they should make available why not right


wait the SRS thing is question eighteen I didn't even realize, is question eighteen ya I didn't read the questions but okay next moving on what how do you spend your money which expenditure is justified


and what have you been spending too much on


is it garmin, oh what help on my dad got that, expensive stuff, what good health what


I thought is the opposite good health good wealth comes good health you said good health comes good wealth, I heard is assumed


so you spend mostly on technology and like, like what's your saving account now you know you you just save in sing, singlife right AC ya


like like like do you track how much you save


ya ya ya user track using like wally and, stuff but I got, or is it biased wally cause it's like simple but I I got a spreadsheet to manage my finance actually, ya but like if I free then I update if not I'm


cause like the COVID thing got a lot of payouts mah so, right, a lot of payouts, ya


like from the government like from school they give us a lot of money, no no no like the the the COVID relief fund and the


ya and the SIRS that I got, okay


track ya like like me I'm quite free now so I guess, check what I should invest in and what, where should my money lor, that's about it


eh do you think that once we start working how much should we give our parents, did your parent did your mom did your mom say right or something, eh can you hear me properly that did


does your parents ask like how much are you going to give that kind of thing, no, oh really, ya how about your mum


of course


wait how many percent to give your mum again


fair enough but do you like plan to ever thought of like moving out of your house no right


no no like like having your own place, like eventually, me I haven't really thought about it but ya for sure lah for sorry I haven't really thought about it no


cannot lah is is too much money lah rental cost is too high, is like, rental is like six hundred dollars right, on a good


two bed room can rent meh, two as in two bed room can rent meh, eh but two hundred dollars is not is not the good location right is like very far from MRT one right


cause the I I I know my like I know #bukit panjang# is about six hundred dollars eh like next to the MRT for one room like HDBE but inclusive of like inclusive of like aircon lah and electricity


so actually that's, reasonable, yeah me is a working adult soon, ya


of course no I mean why would you live by yourself when you can stay with your parents now, like if you pay for everything if you pay for everything yourself right you will die eh, like school fee alone will kill you instantly don't even talk about like other stuff


I thought you know this, taking out, no lah bank loan ya ya hundred percent bank loan so that you can get interests what like learn from you what like you said


I think also doing the same yes alright, you also doing the same what right, ya


feel like school fee is a lot


what changes ah, I think probably like be more aware of my investments I guess like where I put my money and err no like restructuring of my


like like like have to update lah cause you cannot just keep your money one piece mah like you need to keep checking then you have to keep like balancing and finding where you want to put your money to get the best interest rate


like, uh stash away lor


ya actually nowadays got a lot of these kinds of new EGE company like singlife and, is basically like no agent uh so, like like like for insurance also no agent then is cheaper mah


part three negative experiences, so kelvin


what is one injustice in the world that makes you very angry, ya what's one injustice


we so


so do you think there's still like err, divide in the world because of these issues or do you think it's getting better or maybe you can talk about singapore context


like what


disallow game act right


so it's like, oh really like what


oh really


wait how is this link to the, privilege thing


oh so you're saying about, that's true that's like


that's true I mean that that's some post also was quite piss off like quite pissing off right ya it was quite triggering but I don't think that is for


that applies to all the, that part that applies to all the people lah but there are still minorities that like like they are privilege and they don't know the privilege right those are the people that


ya so at actually back to the point on like race and gender and and like LGBT stuff right so do you think like is like the same is like a similar thing like a black lives matter thing is is also correlate to


like LGBT rights because they are just groups of people who are the minority and that's why they, should stand for what they want


ya, to understand how the minorities feel right


that's true, ya like you won't know it if you adult like when you grow up as the majority as a as a straits chinese guy you won't know you won't know that


like you won't know how the minority is feeling to be honest, right cause you just, ya is is all about like perspective and your own your own perspective on the life is will be totally different from what the minority perspective on life is


because they grow up like totally different right, like like if you are privilege and we are the majority right we just grow up we already fit in mah like so call lah while the the minority have to


have to forever they they forever feel like they are fitting in but I feel like, in this like modern era is slowly changing lah like through awareness and all this, although like ya but sometimes change takes very long


right, and you also take a lot of action from people so, what a sombre topic again


I'm going to die tomorrow


!wah! shit that actually very, deep question because like I'm a person who don't really think about death one you know like it's just like out of the equation but I feel like people should think about death because it will come eventually


like, ya so what what what what okay what, what would I say to my love ones, I will just say, like first of all oh shit I later I start crying no lah I'll just say like thank you to to them lor like thank you for giving me all the love and affections and all your time and like I will ask them not to be too sad when I'm gone you know


ya, like I'll ask them to, like to move on and to live their lives more and I'll ask them to live their lives more like more meaningfully and do whatever you want lah to


like cause like, ya so what about you, oh really what a fuck


what ya what would you say to your friend or your mum or your dad, if you gonna die tomorrow let's say ok let's say suddenly you got err touch wood ah let's say he got fourth grade cancer and it it's common okay


like I read this book about this neuro surgeon getting a cancer and then he only had like few months or few weeks to live so what happen if you have like cancer and then the doctor tells you you have like two weeks to live


like end end end ending ya like what what will it what will you feel like I feel like this is actually a very like is not like a impossible situation where because cancer is like quite, it's quite common and and a lot of cancers are extreme if it's like fourth stage right the like the more serious one uh like being cancer and all they are not very curable even if you go through chemo and like specialized treatment there's a lot of


the chances ya the chances of survival is actually very low, so, what would you do if you the doctor tells you you have two weeks to live


like would you have would you have any regrets in life, would you have like bucket lists that you would go and do in that two weeks


family and friends, and, okay so, would you tell your friends to miss you or would you tell your friends not to miss you


but but won't they be won't they be more like sad


opposite matter


true, but do you have any like personal experiences of these kinds of things, like losing a loved one, like death


same actually, feel like it will come like just matter of when


no eh I never really, I think the closest is my grand grandfather but, I was quite young then, but I I wouldn't say that like I don't really have


that haven't been through that situation yet, I mean bad grieve have lah but not as it's not like someone passing away


ya, I guess have lah but is maybe oh you don't have meh maybe not death or like like losing someone that you care about


ya, no you don't have I mean you don't know I have !aiya!, ya sure I mean like no ah it's like my


my breakup I guess that was quite bad, ya I I feel like I guess take I took very long to get away, and it was quite uh I mean you know lah it was it was quite a shitty time for me


but looking back at it I feel like I have learnt things that I wouldn't have learnt if not for that ya


I guess, ya, something more something more negative but not as negative you mean


okay it's getting very dark, this question ah


!wah! but I feel like embarrassing moment are not negative eh, like embarrassing moments are quite funny only


neg embarrassing thing ah that I don't want people to know, like I I feel like I'm someone who just, just think simple, I don't really get embarrassed like I feel like embarrassing stuffs are not negative I know who is that is


wait do you have embarrassing moments that are very negative


oh wait do you is it the one where that you shit your pants


!wow! I know ya you told me before damn I remembered, my turn, embarrassing moment where I cringed


actually it's quite funny but there was this time where I was going into the shopping mall, to use my and now you know you supposed to scan in right I think it's quite a funny story actually like what why is is damn funny so like you know you scan in


the you saw the scanning in the shopping mall right then err, like you supposed to take photo of the take photo of the thingy you got the safe the safe what what you call that safe entry the safe entry logo thing there with green colour thing right with a tick so my friend basically he's from he's from NS lah but


but he he took MC then you know when you take MC from NS, you not supposed to go out to the shopping center so he say like if I take the safe entry he asked me to screenshot and then send to him right ya so I take a screenshot then I send to him so he went in with the screenshot then he was ok


but then when I show the like I show the same screenshot like the tick thing to the to the to the to the security guard then right I accidentally move my phone like the other direction so that the instead of the the screenshot filling the whole screen right it only fill like the like the middle part cause it's the you know the horizontal thing


ya so I show the is damned embarrassing cause it was the screenshot then I show the then the security guy was like what then his his eyes went damn big


then after that I was I was like oh shit then I just faster walk off ya that was embarrassing but that is damn funny actually, ya thankfully he didn't like chase me out of the mall cause that will be


even more embarrassing, ya mean


ya record already, part two, positive experiences


ya ya ya


what pos what makes me persevere you mean what experience made me who I am today, I just think that my motto in life is always that


like things happen for reason right ya if if it's meant to be it will be like I feel like like if you face a lots of hardship in life there's also a reason for it and a hardship just


like everyone will face hardships in in their life at some point or the other right do you agree like if you ask someone do you have a hardship what would their answer be


yes right is either a yes or if they say no right it just a not yet not a no probably lah I mean unless if you are that lucky to live your life like, hardship free, which isn't also a good thing


right, ya so like I was saying I think hardship just make a person stronger and it just make someone want to be, like, want to be better than who he really is lah


ya but obviously when you face that like hardship during the hardship and you feel like shit, you feel like why is this happening to me that sort of thing right right and then you feel like damn sad and damn down but


once you can manage to climb up of the hardship you always, learn from your ya you come out stronger and then you learn from your hardship and learn from your mistakes, so I feel there is


ya of course, how uh


that's a very hard question I feel like, just do what, like if you are really in a shit place just do what you can to have a better, state of mind like have a better


err men err err sorry have a better mental space, like if you feel very shit then you probably have a very bad like clutter mental space then you just need calm yourself down and try to get a


try to find out what is affecting your mental space and mental health lor, then, try to, try to do stuff that make you happy and, put your mental health first like take care of yourself and


oh okay I get it ya actually there is a very, that is very important thing that people need to know like how to de clutter their mind and how to set them side themselves out from the the problem they are facing, so like an important point is like err to know how to detach from the problem


right, err tips on how to detach ok for example like let's say you are in a let's say you are in a relationship problem so you have to detach yourself from that relationship and pretend that


the problem is like happening to your best friend, you get what I mean like put your best friend in the picture and take yourself out of the picture right so once you see that like like for example you think that your partner is cheating you badly but you don't know he or she is cheating you badly right


(uh huh) so you need to take yourself out of the equation and pretend that your partner is your best friend's partner, and think whether, that whole situation right whether there are any red flags or whether it is a situation you want to be inside like that's how that's the first step of taking of detachment ah the first step of detachment is to take yourself out of the picture and just don't because when you are inside the


relationship and you are in that situation right, then you feel very like you you have a lot of emotion what right, you feel very like congested and your mind is like you have a lot of emotion like it can be hate it can be love and when you have all those emotion you just cannot make proper you cannot come to proper conclusion and you cannot make err


you cannot make a good like resolution or solution come out of it, ya so how about you


no not put it yourself in your best friend's shoe put your situation as thought as that situation your situation is happening to your best friend, and then then think how you advise your best friend, ya and then do we do do that


whatever you're advising ya, ya so, I hope you do okay but what how how how do you get how do you deal with


how we deal with shitty time in life then, how how do you deal with shitty time in life, how how do you deal with shitty time in life, like I'm ya like I'm sure like like you have a lot of like times where you feel like giving up and


so what, ya basically


of course ya


right


ok alright then


do you still need do like journaling like gratitude journal


ya like a grad so you no doing anymore, you got their book right, the the book on the the gratitude journal one


err ya the three questions of what, the one the poverty man recommended one, so you stop doing that oh ya oh oh okay


so you do it in the morning


why why don't you do at night, oh but wouldn't if you like a chore


oh okay, I see, I guess journaling is good but I think you shouldn't make it like a chore you should make it something you like to do


cause if you make it like if you make it like work then you be a bit Sian to go and do, but if you make it like a if you make it like something that you are, like you err, given the opportunity to ya it's like opportunity that you can do ya like ritual


but journaling is good ah you having heard of this thing called like half ah the ship err three pages journal or something like oh wait no free free form writing have you heard of free form write writing


yes that's right they say you basically write anything for three pages like you have to fill up that three like not a four size lah maybe like note book size paper then they say once you


once you reach like the first few pages will the first few portions will be like just gibberish you just start talking like you just start writing anything that comes your mind but then when you reach like the third page right you actually, like unleash or you like start writing more deeper thoughts and like that is like for some people actually helps a lot like I I know like a friend who actually does that and she say it like is very meaningful to her like free form writing


ya, err not really but I think she's quite a positive person in general so


ya, I mean like I feel like this kind of things like this kind of things like meditation lor you cannot quantify the benefits ah, like, like mental health issues you cannot get cannot quantify them cause like everyone can be like how do you quantify happiness like it's very hard to quantify right oh shit ya then like


like if you do meditation or like you shouldn't like look you shouldn't seek for that's what I learn you shouldn't seek for like a quantifiable end point like you shouldn't be like say I want be happier or something like that like like you just have to aim for better like


mental health and be more aware of your like negative thoughts if they come, that's like, ya that's like before be more like mindful and aware and be more grateful for everything that's how that's actually like


like if you do like err I think NTU that's a module on err some module on this there's like a oh there's a psychology module on this like the, is it I don't know is the what I thought that's that's the one you're doing


err I don't know but I know if you study psychology in NTU there's a lot of this kind of things then they'll talk about how to get how to be happy no like the psychology of happiness, and basically the the main points of the way to be happier is actually just to be mindful and to be grateful that's these two things only


ya ya is actually research and it is proven that people who are more mindful and more grateful just have err overall hap uh ya and it's not like


and is all people think is that like you get money or you get material once and then you become happier but these are only, like fitting form of happiness and like, in the long run is not really like making you more positive right


yes, did we side track a lot and by the way, okay ya I mean ya that's why that's why I was listening to one of the NTU psychology professors and he was talking about this


err the psychology one of the side side lecturers of zone is talking about this ya it was a podcast on youtube


ah it was quite interesting, yes, okay sure, okay what are the what are the things that you look forward most what are the things you most look forward when the pandemic ends


what are the ya clubbing anyway you, ya like we imagine you don't have to wear the mask anymore, shit


how good will that feel man, are you sure since when, but I thought you don't club


right, to be honest I got a lot of feels for that also, is gonna be damn long though is like at least


one year down the road or something ya at least next year, but honestly when we can stop wearing the mask that'll be so, that'll be so immensely like ya like the mask is so annoying to it


I got the mask on shopee, but ya the disposable mask the disposable mask are so much better


ya you mean the uniqlo one you mean the one I send you the uniqlo one, ya, no but it's not coming I don't think it's coming anytime soon


ya, ya but when, ya like after they they say stop wearing mask then they come, hi


is annoying ah mask is annoying, it's so it's so annoying to wear the mask but at least we can go out now


funny inside joke, why don't you tell me one, I can't think of like a funny joke on the spot


ya sure


(mmhmm) oh shit I, she what, ah then


then she was actually listening, wait did you all talk bad about her


oh shit that's funny, actually I got oh but you all never talk bad about her lah


actually I got a funny story also what is like you know my one of my friends right he actually confess to the girl he likes on on like video call, then when he said like like he was saying I like you right then when he say I like you it lagged


so the like like didn't go through, ya like her zen funny when you do meet uh, ya they are actually you you know them but I'll tell you later


ya I tell you later (ppl)


prompt one of four


okay uh I think generally uh the first question is really about HDB loans or bank loans I mean like uh I think we have actually getting a HDB in Tampines


uh and I think for the for first timer or taking HDB purchasing a HDB from from the government it's , it is a safer uh network safer route to actually go to to get a HDB loan


although the interest rate for a HDB loan it can be slightly higher than a bank loan , ya, so


ya, ya so basically for bank loans it's very it's it's very attached to the SIBOR rate uh SOR rate in in the in the market and that that basically is a very volatile interest rate that


if a if a couple who is not actually in the financial market perhaps in the IT market or in the in in something non-financial related it can actually be pretty hard for them


to to look to keep to keep track of of the moving interest rate uh in in the economy and generally for bank loans , one of the main factor of uh couple or a family actually that is that wants to take up a bank loan


they will generally keep reading the interest rate don't know when to change the instruments, yes so that that is generally how I think the difference between HDB loan or bank loan and and also I think in terms of the arrears if let's say


when families are behind on their payment date HDB loans are actually a little bit more forgiving than bank loans, uh HDB loans they are they usually tend to give a lot of warning letters before they reenter into a premise whereas for bank loans they're they're because of they're a corporate they are a corporate bank they


ya they they are usually more vicious in in that sense ya, eh ah ya so like, and and generally when when you take a HDB loan and you kind of you don't really have to to look at at the rates because it's very stable uh basically uh for us we we just have to


our repayment methods for HDB for most singaporeans at least it is through uh CPF, ya for me generally I I don't look at ah sorry I don't look at bank loans ya because I am


I'm although I am from the property I I may I actually do property myself I for now at least as a first time buyer of HDB , I feel that uh it it's safer to go on a HDB loan portion ya


ya so , ya and I think (ppc) having a HDB is always a asset to every singaporean and the every singaporean citizen uh who who lives in in in singapore ya so


well actually on hindsight if let's say there is no HDB loan and I really have to take a bank loan , at that junction I would probably look at a floating rate interest package generally because (ppc) uh economy economic in today's economy is super volatile while we are looking at a probably the COVID


nineteen uh pandemic situation no one's going to know what's gonna to happen today tomorrow next year , uh COVID nineteen pandemic generally has affected economy very badly


so ya so I think that is that is probably the the the case where I would look at a floating rate interest package


so ya


yes so there was stamp duty as well, that that was in it ya , ya I mean generally I as a very typical singaporean that that buys that just bought a my first time HDB


uh I will still go for HDB loan because HDB loan is very stable uh bank loans can be better I must say they they sometimes can have better interest rates, but it also can be a case where it can be worse than a HDB loan rates so it's it's very it's very uh it's too volatile for me to to keep to keep up with with the the rates ah SIBOR and the SOR rates ya


so I mean, well repayment amount I mean you know when once we purchased ah once two both of us purchased this house we want something a lot more stable and then


we look at we also have to look at loan to value limit you know because for HDB loans generally can pick up to ninety percent , and for bank loan you only can, take up to I think about seventy-five percent so it's I think for for a young couple like us uh liquidity is very important so uh we we want to generally


take up a higher loan right now in this junction at this junction to to start our family it's basically cash cash is king right so so generally we want to to loan the highest amount for now


ya , for HDB loans I also understand that, joshua we did we did purchase everything on our HDB through CPF right


and we we only paid, and I and I think it was we paid only five percent to date right, oh we have paid ten oh okay


ya I think for bank loans nonetheless it is it despite the floating or the fixed interest rates down payment for bank loans is like twenty percent


to to you actually have to put in like a twenty percent down payment and and out of this twenty percent five percent actually has to be cash I mean for such a young couple I I I don't think we we want to fork out that that sum so I think that is also a case where


it's it's good that every singaporean has a CPF account we can leverage on that to to actually pay for our HDB HDB , uh ya our new HDB uh also I think the fact that CPF they also they also do give out interest rates I mean if you don't touch your CPF basically you are earning interest on that and it's sometimes it's even it's actually better than putting your money into bank


so I think as it accumulates it helps with quite a number of things such as your house your your medical uh the medical component and also the , uh retirement portion


what documents did we have to give


it was quite funny because we we tried so hard and then we only got five thousand dollars , ya I, but I think generally is really because like I mean definitely is because of our pay scale ya (ppc) ya but actually I'm not very sure if we were to sell our HDB


will we have to repay that five thousand dollars I think we do right, I, ya so


ya, I'm pretty sure it's just the HDB application process ya but I mean (ppc) generally I really feel HDB loans are a lot are a lot more lenient you know with


ya it's it's a lot more lenient lah so ya, (ppc) and ya so so generally that that's my take that's my take on on HDB loans and bank loans which


ya uh that's that's it so do you apply do do you get a loan from the bank when when renovating your house uh I think that really depends on how much we have at at the point when we get our keys


ya I I mean


to do up our house, ya I mean we are we are a new couple and and I think that the the advice that we got from like our parents and also like other aunts and uncles is that it is not needed to build everything the moment you get your house you know you can just build your essentials


ya and I think that essentials are like your kitchen toilets are basically already build up by HDB and then and and we got we got the door right


we got the door we got, oh actually we only got a door, we don't we don't have a floor ya so so so maybe generally I'm like I feel that perhaps our


our renovation might still ride up pretty high uh renovation costs might still ride up pretty high so I generally just think that , yes I feel that we might have we very likely have to take a a bank uh no ya a bank loan just to do our renovation


so and and I and also uh like nowadays interior designers they do give out like, they do like some value added services where they actually the interior designers themselves they know who which are the banks that are are good for for to to loan ya ya ya I I I think that's the


ya ya so ya so ya so


you would, I, I not very sure because generally buying buying a house is buying a an


ya buying a property actually makes when you can when you can actually divest it will take very long it will take very long for for one to divest , very unlike you know actually putting your money into uh stocks uh or or


like ya putting your money into the stocks and shares kind of uh or or ya or playing forex you know that's I think if you are looking I mean not that I'm not saying that playing stocks and share you know you can like


uh profit from it fast but I feel that, if you purchase a property you at least have to hold for ten years, ya, ya ya that's true actually renting it out actually is a passive income for for many people but I think with the new HDB ruling you are if you if you have a HDB house


uh ya ya correct you can only stay for five years before you can rent it out no actually you can you you can rent it out like I think you can rent it out like before that five years it's just that, the owner has to stay in the house together with like the person that you are renting it out to as well


but after the five years I think you can, I have not really read through I have not really , awkward to the next level why is it awkward


but but it's it's passive income, no is it not something, , ya I don't know


our stamps that uh I can't remember also I only remember signing I only remember signing my HDB paper oh okay get a HDB do I have enough money in my CPF account yes okay sign I I didn't really go and go and see it I mean generally because the both of us have very stable like jobs


so like purchasing purchasing that HDB was not a was not much rougher, ya so it's it's okay for me , ya although although I must say that I I stressed out a little bit like when when it was the day of us doing our first transaction with HDB


I don't know man, I remember I I remember I stressed out at HDB and I still like was choosing house like without you I was actually choosing house with like brenda oh my gosh it was quite funny you you you like you just choose


like you like I was like the uh the incoming the the incoming Bridezilla coming in oh my god I dont' know don't know what what HDB to choose ya, uh ya but anyway at the end of the day was we still had a house in Tampines which is so far away from where we both stay


ya, oh ya so generally we bought this Tampines house was because we felt that the location was good the land that they're going to build on was very accessible the fact that new technologies were going into there was uh


was going to be the up and coming was it or was it Seletar, Tengah, ya so so generally ya we bought that because I mean both of us we don't stay in the east so


but we bought that based on investment value because it's Tampines investment value in the east I feel is generally higher, than like, ya than than, uh, the west or the north


the north ya the north ya you are right the north so, ya so ya so that's ya so


, ya that that's uh probably ya that we have not bad we can actually cover quite a bit of financial related topics just on HDB alone


prompt three of four


really, why


but do you find but do you but do you feel that sometimes the the news might have like over like because the news have to focus on something


okay I actually don't really know much about like uh history of slavery to actually make any comments about it but but I I do know that like this whole african black


what is it called african americans they they do have history of slavery well I think for me injustice of the world uh, might be a bit too big of a topic for me so I'm maybe I will go a bit local I think generally


in singapore what I feel is that , I feel really unjust for those uh single mothers you know they I feel that , generally single mothers they they do need


more support in the from the society uh and the judgement that people are giving to such single mothers is uh pretty brutal , ya so I think that is something more, uh closer to home for me to feel other than that injustice of the world I don't have I might be too ignorant to to actually comment about it ya uh


!wow! I have so many ah, I think , most embarrassing moment


I think most embarrassing moment is generally is when like after , I only realise it when it's embarrassing after a long while when and then and then I know like I think embarrassing moments is when I really talk too much in in in a in a certain place


ya then I realise that my my words that I say it's not it's not constructive, ya what about you


I'm sure you do come on everyone has an embarrassing moment please no one's perfect, what your pants in school, tearing your pants in school oh that's not very embarrassing well okay I mean I'll just give it to you


, oh come on man joshua I'm sure you have a lot of this, when were you


really, but singapore is singapore is so home truly you know , then our pledge is we the citizens of singapore pledge ourselves as one united people


but I practise it I'm with I am a chinese and I'm dating an indian


it does lah it does come on it does hello hello you are dating a chinese girl hello hello, we are so harmonious ya ya ya but


ya it's okay fine it's true like sometimes like I think some companies especially they they do take in they


, (mmhmm) true


!huh! there was !wow!, oh okay


oh okay so I I for me I I don't feel okay , I don't look Chinese that's the thing so I realised that when people start to talk to me


uh when people think that I am of other races like malay and sometimes they even think I'm indian I don't know how the heck they think I'm indian but still , when when they when some chinese people when they talk to me thinking that I'm malay they they do like give me the


the vibe like this vibe that you know I am, not chinese but and the way I usually like rebut them is to suddenly speak in a stream of fluent mandarin that even I didn't know I can speak and then they will like


oh your chinese very good ah then I am like ya uh I'm chinese what, then they oh then you know then they look at then they will see me differently so I I do I I don't I am not a direct and I'm not a good representative of like


uh this like racial racial, injust but I feel that , I I I I think I have once or twice actually experience for just because I don't look chinese


and then I I usually recover myself by speaking in a stream of very fluent mandarin ya so so,


!hais! to be a, okay tell me I'm I'm interested, wait wait wait that that dream shouldn't die a little every each with each passing day it should have just died


ah what dreams of yours ah I think being a being a being in theaters I think, I sometimes I still think that you know I would do well in theatres but unfortunately you know I have been stuck to the asian to the asian kind of upbringing where


arts arts is not arts is not a viable option it's not a sustainable option to live in in singapore you know you have to really like boost you really need to you really need to have that


the the luck and the aura to be in in that in in that field so I think really being in theaters is something that I have always wanted since young but I guess uh ya it's


influencer, eh but I still don't know how they earn money eh that's so interesting how do they earn money, being cheap did you just say being cheap


oh you are the you are the , ya you are you are the you are the victim of that, I think generally I feel that sometimes when I stand up for a for certain people's rights


generally I and this person initially decides to support me and then after that, they don't support me and ya backstab me then that is the worst but I think generally this thing really happens mostly in my workplace ya you know like


really I sometimes I feel like !wah! I helped you so much and then at the end you just take on the credit to to tell other people that oh this is my job and I think that is something that is one of the experience that I have been


that I feel like I feel like I've been experiencing for very long time ya, so I I guess that that's the awful thing about me helping someone and I feel that sometimes because of this kind of occurrences I become a lot more uh


reserved ya describe an embarrassing moment that make you cringe, , oh okay let me know what what keeps you awake at night


oh, oh okay what keeps me awake at night


I think what keeps me awake at night is really uh due to my work uh, no no yesterday's coffee I still slept so it wasn't so bad ya , I think what keeps me awake at night is really the fact that there's so much unfinished work and the fact that


every day when I try to finish my work I can never finish it and I say okay lor try to next date err try to do it the next day and when next day comes there is, even more work to do and it's like accumulating ya it it's just like never-ending kind of like work so ya that was what keeps me awake


describe a moment ah that you feel like the world is against you, actually strangely enough right I felt like the world was against me when


you never feel you never feel this way before, okay lah it's not so bad anymore don't worry strangely enough uh this is when my brother got his first girlfriend I felt like the whole world was against me


the no because I lost my brother my lost my playmate cause my brother keeps wanting to spend time with like uh, with uh with his girlfriend then I lost my playmate then he's like keep going out then I don't see him at home then I will be like


I slowly slowly I got like into depression no lah I didn't go into depression I just I was just very sad, ya I was so stupid right and now my brother and I are still playing catching at home


okay tell me yours I want to know, ya ya ya I've, !huh!, okay tell me that your experience, why oh okay fine but this is such a personal question that if you don't share it if you're basically not answering the question


eh ya I think describe a time when you were heartbroken ya also my ex-boyfriends generally cheating and all ah but till date all healed all done so it's fine


uh ever since young, no I for me it's because my my generally my family people they are all very small people but on on my end


is that my paternal side is very big so every time when I go back to my maternal side's family they are like you are growing fat again and I'm like uh I don't really care you know that there is that's that's one thing that's that's probably


not, money money is always money will always be an issue also lah for everybody so, I mean, ya tables turn so it's okay


when my boyfriend cheated on me when my ex-boyfriend cheated on me sorry, ya I think that's that's really that that was really quite bad like like


I remember going back in like I remember like taking two hours off and then after that I'll go back to the office and I think gratefully thankfully my my bosses were my boss was very understanding , still brought me out for lunch to console me ya but generally


it was a very bad time took two weeks to to heal to recover before I got back on my feet and I think now I'm doing okay happy getting married, ya, live your life fruitfully


what's your last words, delete your internet history oh my god I'm gonna to check what's in your internet history later


I do eh travel go and travel I love travelling so like ya travel


ya the but now they are giving you the opportunity to say your last words , what would you say


ya okay, ya that's that's that's true okay last ya I mean I think we


almost every week at work , it's really, at when you work out that's bad eh it is really bad like that is really really bad bad like I think work ah work work sometimes work can be so stressful that like I really want to like give up


ya it's, it's something that like sometime , ya I can go on and on about hours about it about how negative my job is but the strange that ironically is I still love my job I love my job I just think that like the people around my job makes it very very very very bad ya


so I mean I do want to give up and sometimes by giving up that might also be the reason why like I want to change the job but uh describe but ya but I still like my job actually so ya


what is yours I mean other than the fact that you won't you whenever you work out every day uh if ya do you not have like a specific time, work your work so easy eh you have three months of leave eh


oh okay, sometimes I feel


the way I want to give up is just ah list through my things and go like I'm buying the next ticket out of singapore, ya but we don't have such like we are not ballers we are not ballers to to spend money on on a like out the next flight ticket


ya but, no actually I do have friends that actually go overseas and then they they just they just stop working and then just go overseas and just do ad-hoc jobs and still live life properly


your sister, oh ya lah that's ya


okay ya that's good


prompt two of four


ya actually I'm very I'm very interested to know what makes you persevere


oh okay, no no no before you no no wait before it comes to me like do you think you are a do you because you say you like to tinker with stuff right do you think you are a builder or a destroyer


are you sure, okay lah that's true that's true I think I'm the destroyer then you have to come and repair it so you are a repairman okay uh what makes me persevere I think generally I am a


I am a athlete I was from the national team I have been swimming I was previously a swimmer for about ten years and then I went to waterpolo for eight years , I mean the the sheer fact that you know I have stayed in a sport for like eighteen years staying in the swimming pool for eighteen years is really something uh


it's a feat I must say uh it's really something that not many people can actually do it , through this whole eighteen years of being a athlete it's it has taught me a lot of things sportsmanship perseverance determination , ya the main things that what a sports uh being a sports athlete actually teaches you


well times were very hard then as well I, uh when your coach scolds you you know it's coach when especially when your coach is like boiling there at at like and you his face really turns red uh he he scolds vulgarities at you just because you know


ya and and somehow or another I can just take it I can just like take it on pretty , like I I can take you know pretty constructively in that sense I, I I think that was also a character development kind of stage


where I started to be able to persevere through uh many other parts of my life such as my workspace now my mood when I'm at my workplace and everything , so ya that I think that is one of the main reasons why I can persevere it's really highly because of character development throughout my last twenty-eight years of my life


so right now in the post the next question is in the post COVID world who or what are you newly thankful of or appreciative towards


no I don't know what's your what's your answer, ah that's ya that's true that's true ya ya ya that's true that's super true well actually we actually we actually had a a trip that was being planned out in march april


oh may ya may may may ya uh that's that's definitely what we really , that's , , uh ya I think there are many things to be appreciative towards as well the fact the sheer fact also that the both of us were able to keep our jobs


and the fact that joshua can be working from home when very highly he is very highly he is a very highly hands-on person in in office and if he works from home he is almost


uh not very is he's almost, he, ya ya ya you are not efficient at all that's true you're you are like waking up at like weird hours to play game well effectively you are on leave for three months


eh that is really bad that is really very bad ya ya oh I I am actually very appreciative the fact that ah with the whole COVID situation I can spend more time with my brother


I mean I was just earlier telling one of my one of my friends you know , due to this whole COVID situation my brother and I have been like staying at home talking to each other a lot more that's one , and two you know the both of us we are huge elephants in the house uh we are like I am a both of us are about one point seven metre tall we are not small people


but we but we had can actually like run around a five-room HDB flat, playing catching, do you know that my brother and I play catching at home, why ya and then my mum was actually quite scared that she will get injured you know and then she just sat down at the sofa like she she was like she was like oh my god I don't dare to stand up and then like I think we played for five minutes after that after that my mum was like


can you all stop running in the house do you know that the downstairs the people will come and scold you all like stomping you know on the floor and then we are like later the downstairs people come up and scold you all , and then we are like oh okay then we just stop like we just stop uh playing catching at home ya


but I think also generally I'm quite appreciative the fact that , we can eat uh our meals together as well when things open up generally all of us are always eating outside, ya


what what else are you appreciative of other than like other than uh travelling aren't you not thankful your mum's a your mum is a frontliner, are you not appreciative of that


that's it , really I think I think generally I I like to tell like at the end of the day I like to tell myself like what I am appreciative of of of that day so so that's why such things can flow by me really fast because it's a daily reminder to me


ya, like I like I still think there are many inside jokes actually I would definitely pick the one that when we were in korea


and then we had to and ya, uh inside joke, I, really


oh ya ya that's really funny , ya but I I generally I don't know we we , oh ya okay but anyway I I don't have many inside jokes and I don't think it comes out very very like fluently for me to talk about a inside joke ya this yes describe a fond memory you share with your loved ones ya


I have many many many many fond memories I I I think, I think the happiest time when when I actually when I actually uh


remember is really the time when we we drop at Busan, like the moment we landed and then we felt like this immense amount of freedom and it it's just the two of us you know


what else like at the moment we got out of the Busan airport we were like oh my god so cold ya like ya I never felt like a country can actually be cold outdoor


ya I mean the fact that we are staying in such a hot singapore weather ya it's something, where when the weather is cold it's really everything everything that happens in the cold country is a fond memory ya


because we stay in such a hot hot country, ya , what, !aww! that's so sweet of you to say that


uh, travel travel oh my god let's go with the travelling I can't wait to travel the world


I wanna go to turkey and I during the circuit breaker my list just went growing okay the first first country I wanna go is korea then after that turkey and then uh china and then it just grew the list, and then I tell myself okay I need to go and try contiki you know but


you this weirdo say we must finish your personal list before you try contiki and the the next question I went then I said when will my list ever end which means I will never be able to use contiki ya


ah


cheapskate , okay but but okay I think okay because right before you met me you were not a foodie


so when after you met me from then to now what is the food that you ate that blew your mind, if you don't know how to answer this I'm I really am just going to go to you and slap you the next time I see you ya oh my god do you know that the first time you ate Ramen you spoke about it for like


two months ya but you don't speak it on a daily basis , uh no no really you know and and because like the first time when you actually ate Ramen right I was so like


I was having Ramen like almost every other day with you it was so scary and I I swore not to eat Ramen until like, until like I would swore to like wean off Ramen until I feel like eating it again which is like I have not got over that I don't feel like eating Ramen


but what was the best meal I have ever had locally


nah I think #leng saap# was the best #leng saap# #leng saap# was the best like I think that was the most like #leng saap# at at golden mile was the best but was really hard to pinpoint what is my best meal


true free meals are the best but let me let me think uh I think having, supermarket, oh ya you freaking queued you freaking queued up at the thing and you just held your toothpick there


and then you just look at you just look at the auntie and then auntie just looked at you and then the auntie just okay wait wait wait cooking cooking and I was like I just walked away from you cause , I just walked away from you cause I was so embarrassed I was truly it was an oh my god it was so embarrassing you just held your toothpick there


oh my god and and he just stare at the auntie and the auntie just stare back at you ya it was quite it was quite funny ya but but I think, ya I I like food so much that , I I would want to eat uh ya if if I can have a dish now


I would eat , but I might probably go for thai ya I like thai food a lot, ya what's the best surprise or gift you have ever given someone,


I think, come on man, !huh!


ya that's that's what you have given me I think, , that's it did you just say that's it, !aww! that's so sad !aww! really


I I think okay I think the surprise okay I mean that aside uh come on man I mean the fact that now it's just the two of us talking I knew you were going to propose that day so that's not really a surprise


okay fine that's true I was a bit scared okay but but generally what is the best gift I have ever given to someone I think from me it's something non-tangible which is , to be able to bring you I mean the fact that your mum doesn't allow you to travel a lot I think the best gift I have given to you is to


be able to like, travel the world with you ya I think that's that's really the best gift I've I've ever given to to you , well if that someone that is stated in this question is very specifically to you then ya but generally what's the other best surprise I think the both of us have pulled off


surprising cheryl at her birthday, with #jing guan#, do you remember at prive at chimes, ya lah I mean we know


so okay ya so so I think like that's really the best gift, no you missed one question describe a time when you can't wait to attend


actually I laughed quite pretty hard last night when we were like wondering why doesn't our day like coincide


yesterday yesterday we were like oh why is it that every year now every year our birthdays are like when your birthday is on friday my birthday is also on friday then we were like but you were born on a saturday and then I was born on a friday


and then maybe hundred years down the road uh uh it will it will be like that and then we chat chat chat chat chat then after that we realised oh no it's because we were born in different years that's pretty funny that's pretty funny and then we were like oh that's


oh was it with terence was it with terence or, !hey! you were scared too okay please


(ppc), you remember the game hasn't ended and then the door opened and just flew out , I was no no no you and terence I think you you I I only know I ran out lah for sure like I ran out like so


fast the game hasn't ended but it's so fast was really very fast ya that's really funny , took a risk and rewarded with success !wah! that's pretty hard eh I mean I'm so I I think generally our life is quite quite stable took a risk and was a success ah


!wow! that's really sad ah we don't have a risk and we don't have any success , I think the the risk that I took and was a success was the fact that I I made a transfer from swimming to waterpolo I think that was my risk the risk that I took and