like you like oh shit then you know that maybe maybe lah if it's legit like really you you you ate too much whatever not then you be more conscious and then go exercise more so, so I think I think in the end I guess it's a good thing I guess but I don't talk to them anymore like like they were my close friends but then now like never really like


never thought of it after primary school eh primary school don't really have handphone also, so is sort of like, hard to ya like like, never really talk to them anymore ish yup


huge after you slim down lah, oh ya ya I got friend like that also


buy buy new why you never buy new one never get like a


like what you mean now


what sia what is this got some got some , , okay I think I don't have such such I don't think I can recall any


okay lah got got some like that one, okay okay I never I haven't encountered such people yet, I think got I mean like we just very minor one lah not not really those that will affect


a lot ish, ya look down ah no lah I think, project ya actually no eh project group, or like like you know poly poly major project


poly !wah! poly major project was hell for me cause like it will affect the GPA a lot, then I had this group mate !wah!, like he was damn smart like like you say all like those #zai kia# kind, then but then he don't he always do his work solo one, then our our project is a is a three part project so like three component ish then he just take one component and he do himself


then I mean he in front of us act very nice nice like oh , like like you just oh you all do your thing y'll do your thing then I help for my friend my friend say oh this this dion like uh uh, what what don't don't I don't know what he said ah like like don't do shit or something like that then but then in front of me right he won't say this kind of thing


!wah! then it gets you like damn those kind of snake or whatever not like he but then he damn Zai so like you can't really like like, scold him for his work also but more of his attitude !wah! then they all really like, sort of sort of irritated me a bit I guess, I don't know


but in the end I just got I still got A sia cause the the prof see my effort !wah! I damn happy sia I almost I almost cried I legit almost cried cause cause the four of us right I don't know what that that that solo Kia what what his grade but I know the other two got B plus, then 'cause they see they don't just see your grade they see your they won't just see your content they see your effort also like individual


person will get slightly different marks, ya then then this prof give me A sia then !wah! damn happy cause if not I think without that A right I wouldn't come to uni already legit cause ya that that, I I don't know about y'all but then my major project was like twelve MCs eh it's like three subjects worth leh


so it's like like affect the CAP if like in uni right affect the cap right uh A and and B plus right very huge difference eh for twelve MC uh, project, ya !wah! that one was crazy


major project, ya my mine was three modules worth dude is like half a sem worth, damn scary, it's like make it or break it kind then like !wah! damn scared


!wah! I don't know, let me see, (hmm) got any interesting one


pet peeves oh, eh it's not there okay then never mind pet peeves is like I I, let me think, okay the number one one is uh, like last minute last minute changes I hate it


even if it's good one I also hate it like not really good good one like like not not bad ones let's say let's say for example uh okay not not really good or bad like let's say exam postponed, or like something like let's say you know that exam is tomorrow then you really prepare very hard then suddenly it change they say postpone to


friday that kind of thing then sort of like where expectation changes ah then it's sort of like, quite annoying like it can be a bad one also ah like let's say people meet gonna promise to meet up with you ah and then we settled on this date already, then last minute like maybe the day before or few hours before that you call and say oh sorry cannot make it that kind of thing


!wah! that sort that sort of thing really like, I think that's my number one pet peeve, that will annoyed the shit out of me, ya until like got some I I I will I got once I argued with my friend cause like we promised to like meet up for very long then suddenly say cannot make it that kind


I hate it I hate this kind of thing, so what's your pet peeve


!huh! me, oh shit eh got messy oh damn dude, whoops


I didn't know you neat one eh you got say you neat before one meh, I didn't know you like super neat kind one


I don't like, oh shit I really I think I too it's a habit ah you probably look at my table now right see like, I don't know man confirm uh this one I haven't throw yet I just ate just now, whoops


I got a lot of ya but I actually I got clean up ah but then like after a while later the habit comes back and then, but then never say you can say you can say nicely one mah then leave me in the dark !walao! now you now then tell me after after so long already then you tell me !walao! making me feel bad sia seriously


seriously, !huh! ya steamboat ah let's go legit oh ya I haven't haven't treat you yet !wah! reminding me sia but I I ya a bit forget already 'cause that time after that the I think what happened I don't know what happened sia


[oh] shit, go [lah] let's go both steamboat [ah] or international [one], !huh! hotel you pay (ppc) I pay half for you [ah]


positive experiences


okay before the questions okay let's let's see the questions , I, !hais! we skip the first one a bit boring, what are you thankful for or appreciate during this period ha let me see uh I think I think cause got a lot of free time [orh] then like


like at first I was on Nuaing the whole whole three months then then like you will feel very like [sian] after I guess after one month of Nuaing and just playing games and stuff I got really bored and then I decided to just work part time in grab then


and maybe like just exercise more I guess and I I guess it's a good time to like like like what you said what reflect on yourself or whatever shit like just try to improve yourself lor, and then since lot of people also do that then you sort of feel motivated to actually like not just rot your life away for the next three months


I guess and I appreciate that let me see appreciate what appreciate that, actually I'm very proud of myself that I actually managed to to do something out of this like two months I guess two three months


[siol], where got lazy sia in hall you can run it's just that you don't want run


got so much


special term modules, how you even study I cannot study sia I will, !wah! don't want study


okay okay okay okay, uh what other question are there uh


what are the things you most look forward to when the pandemic ends everything is about the pandemic okay whatever, uh, I want go overseas sia shit


I thought I thought by the end of december can go already as in then I very then !wah!, I think I too optimistic everything I'm too optimistic I thought that I thought that this whole thing like the CB thing will end earlier let's say they they they drag it to june right maybe mid june done already but actually


it's still like ongoing ish then overseas also they say like oh december can already but I'm pretty sure now that like at least wait probably december can't even go eh no don't have blocked trips ah sad no, I think don't have ya


I think won't have I I thought about that then like !wah!, die end of sem two, end of sem two great ya very hard, a lot of things don't have then like


ya I think overseas is one of the things that I going overseas is one of the, things that most look forward to they probably like charge up all the airfares and stuff !wah! expensive,


nah movies confirm need to like one one one two I don't know , confirm got so many gap one like like uh, that one is like is like is like the same length of travelling like where you can travel is when you can even do that probably I don't know


ya sia shit I wanted to go like, I don't know somewhere cold


too bad Heng never buy Heng we never buy ticket first or anyone like buy ticket then !wah! need cancel eh and a lot of money will be wasted, is it my friend no refunds eh sad ya uh


best meal !wah!, cannot eh like that cannot why you made me choose uh !wah! cause got so many good food what how you !wah! best meal !wah! wait lah


(hmm), okay favourite food I don't have favourite eh there's too many already cannot like maybe or maybe Ramen maybe Ramen but I think I think best meal is uh KBBQ I guess, oh KBBQ in korea those legit kind one okay that's one one of the best


!huh! why got basic eh you know like it's really different experience is cause like firstly the price is cheaper is like half price like


the sort of like culture like they they actually give free stuff cause like let's say you buy a lot then they'll like give freebies and stuff as free free drinks and whatever not that kind of thing, and and their service is really different lah and their, I think is something I really miss okay then ya


korean barbecue !wah! I got feels to eat now shit, those but very expensive !wah! like the those those legit ones right, !huh! those legit kind one, like like I got this like like


like not really criteria like first know like those legit KBBQ like korean barbecue is like those round silver table round metallic table one, the round table one then then the centre is the charcoal second is the charcoal like use charcoal one, then third must have the the smoke exhaust one


the the exhaust the the exhaust pipe, to to get rid of all the the smoke smell, then must have all the side dishes !wah! that's the legit one but then very hard singapore very expensive thirty over dollars forty, so what's what's the best meal you ever had


confirm buffet buffet right buffet, hotel ya then say I basic oh hotel buffet also also like that one I mean I was going to say hotel buffet but I purposely didn't say


I tried the you got try the MBS one the what is it called the MBS the lobby area one rice rice buffet


my my aunt have fifty percent off like cause she's staff so every time got special occasion my family will go there and then !wah!, just whack only international buffet, ya I was going to say that but then I like you see confirm say like buffet or something


eighty dollar ah for I think most you spend is forty forty forty, got eighty plus hundred one right I think


or should combine both you know the I wanted I keep on wanting to go this place you know heard of what three peacocks, it's like some some some , outdoor barbecue slash buffet restaurant !wah! combi dude I want to


ah but but I think is now this timing a bit bad to go but I wanted to go and it's like I think forty plus, it's combined of both is buffet and is barbecue ah, is is buffet is like forty plus right then you whack whatever food you want like like seafood ah meat ah whatever not then you then you got your own barbecue pit yeah then you cook like but you need to drive out one quite far I think it's quite quite Ulu place


ya I wanted to go there also, see combined buffet and barbecue, worth will try next time


laugh too hard, think got a lot eh uh laugh too hard let me think, laugh ah laugh ah, what thing what hardy one


(uh huh), [oh} I I understand uh, laugh laugh too hard, !wah! don't know sia


not not really the most recent one but then the the you know the the the the in the thing the happy birthday crap !wah! I laughed until crazy like crazy sia the the the #zheng xuan# one then you know now, now he he create so many videos like, he earns hundred dollar per video eh and and then and that that that #zheng xuan# one right was like the pioneers of the videos I went to scroll through right you know how many videos he have I didn't count lah but I'm pretty sure at least like fifty to fifty to hundred


minimum fifty videos, and he earns hundred dollar per video eh then and like the #zheng xuan# one was just the first few only I I scrolled like there are so many more after that and it just the same thing over and over again and then people actually pay for it , hundred dollar per video eh I mean that's the minimum I think he paid he he charge minimum hundred dollar ah but like you count like that hundred that's like fifty videos is what one k five k already eh


ya and then but the after a while not funny already but the first few I, the the #zheng xuan# I laughed until I laughed until I almost !wah!, now that every video he just repeat the same thing right then it gets it's just it's just like that with like


but the first one first one I I laughed damn hard I I even share with my friend who don't even know don't even know who the hell is uh #zheng xuan#, laugh like crazy, no but that one is the the cameo one what don't know what mah but ya like this kind of video stuff


as long as you like like like partially famous and then, like microinfluencer whatever not then you can like just do this stuff and earn like big bucks sia, !wah! smart is a is a very like, think he earn so much money hundred dollars a bit uh per videos is is is insane man and he he probably does the videos


like like one shot do all right then after that slowly slowly like like during the birthday right that that particular day then just release the video, is like !wah! easy money ya, uh if if I already have that character right I would sia like


if like if I'm being known for that ya, ya if it's a if I have that character already then I don't mind lah like throw face lah why not like, ya I don't think he that
retarded
 though


cause he just does the same thing over and over again, ya uh, is a lot ah !wah!, that one really free like money just come to him smart smart, and then like nobody before that I think it wasn't really that trending then


he started this new like not really new but rather new like during this period some more CB period then everybody want to send birthday wish whatever not !wah! damn smart like like, like so original like, like bakery all these eh then you see happy birthday wishes


earning way more, how much you need to like like big to to earn that amount of money sia, !wah!, crazy that one that one original idea original


one thing that's the rest all very all very serious questions


took a risk !wah!, yes high high risk taker would you like to, risk loving, person (ppc)


(ppc) poker (ppc) poker, that's risk what


you also earn what in the end you also also got back, what thirty, oh


now you talk about risk and reward all I can think all I can think of is gambling sia took a risk let me see what other risk did I take


I think I too I too I too safe already I won't , ya


eh not working or now working, I thought you doing your the restaurant thing, then like eh the shirt behind , they they they fire you


is it, (oo) oh ya hor true, as in you still inside lah, but because F and B they don't really need so many people so like lesser shift ah


!wah! wait what Changi what I want no lah kidding, oh that one that one


Changi far from


fun !whoa!


!wah! quite fun [siol], fun when you get rewarded with the success the the the whatever you earn or not lah


I think I too safe, then I I don't really like to take, risks like (hmm) ya what other cases, what other scenarios will you take risk


!wah! shit now you talk about gambling all I can think of is wait ah wait ah wait ah, I can't think of anything okay never mind skips, ya, probably very little it's like I can't even recall cause I will usually take the safer route, but ish


and no I think it's just habit lor, like like, ya I don't know man, it's a it's a like, got take but then not so not so high high risk involved ish stuff


usually quite low ya, even you play poker also what I I never really but okay lah I I try to sometime sometime do like weird weird shit but then, but not not that often lah, ish uh


dude ya I think cause is like like like, like, like poker at last time the mindset is like, like, you cannot think of the the like how much you earn how much you lose that kind of thing


like, like the the money is used to like like like like gets gets signs and and stuff like that from other people rather than just like look at it as a positive oh you earn ten dollar you earn fifteen dollar that kind, then I I sometimes like like sort of lean towards that shit then then it's sort of like


like, screw your head up a bit like if you're not willing to take risks like like to to, to find out more like more info like to get more information and stuff


uh financial related topic, what must say , okay


I think like one financial advice I will give myself is maybe like uh learning how to be more prudent in the way I spend my money ah so like


like the amount like you I you when you start saving uh from a young age right you actually get to accumulate, your money more and more as compared to when you start later because of like uh the interest you're earning that adds on to your that adds on to your savings as well ah ya so


I think the advice I would give is like just just spend wisely ah just and save as much as possible yeah yeah, how about you (ppc)


, okay, uh, okay I think it depends on what you want for yourself ah like uh


DIY sometimes might take up a lot of time then you need to do like research and stuff as well whereas like a financial advisor can just, uh you you paid although you pay them fees to do that for you ah but the thing is that it's not you managing your money oh is like other people managing your money so you don't know how how much you can trust them as well and how are you going to find such a trusted


uh financial advisor as well and especially uh when like we are students right uh the financial advisors around us, probably are uh mainly more of like insurance agent type of uh, uh people


where whereas like maybe next time you all can uh pay money for like fund managers which are more trusted as well, ya so I think like and like DY DIY is quite easy now uh so you can is is quite cheap is quite easy then you can uh choose if you are lazy then you just choose like uh robo-advisors oh that are


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


uh


but you trust your you trust your friend ah,


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


uh for me like similarly I do not have like a fixed percentage I set to each month because like like is is not is not very, fix lah the income like you do part time then then like sometimes you want to work sometimes you don't want to work then your income just fluctuates


so like I think uh savings wise I usually uh save as much as possible then cause I I don't usually buy a lot of stuff ah no the my biggest expenses is just food lor cause I I like to eat a lot also, what


yeah clothes clothes very little eh I think one year I buy like like two three time only eh, ya ya ya I I got a lot of shoes already so so like like Iike only have one pair of legs ah so, so I I don't really spend much now other than food ah so the rest is like go into savings then investment wise is I it depends on


I don't have like a fixed uh fixed amount that I put, or percentage that I put like per month but I I just see like how's the market and then uh see like the stocks I'm interested in as ah then I will I will make my decision uh and then transferred like my savings over time into investments and stuff lah ya


, (ppc)


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


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


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


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


yeah yeah, okay shall we go to the next one


I yeah I agree with what what you are saying ah like because like sometimes you use like card then like the card from different banks as well then like you have like three different transaction statements then it's, very hard to keep track of like your uh spending habits ah I think I think like for for myself I have a habit of okay I I'm just very prudent in general ah like I I don't anyhow spend I only spend on food only food food is the one thing that I I don't really care I just spend ah


ya so like, that's the on my biggest expense lah so basically the rest of my money right I just put into savings oh yeah so how how do I ensure I meet my savings goal but I don't think like there's a there's a fix way to meet it


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


goal so that you know where you're at so you know where you see yourself as well lah, yeah uh,


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


I think ya if you want keep track just I think just is is a habit thing lor , you you need to you need to you need to put in like like the axe yourself alright, how how do you spend your money which expenditure is justified and what have you been spending too much on


, what you buy clothing you at home also like you know cannot wear anything


okay so how I how I how I spent my money I don't really spend a lot ah like as previously so so yes food I just buy anything I want to eat lah ya but it's must be reasonable yeah like with I craving this I just !aiya! okay lah just go and buy


uh but like what have I been spending too much on ah nothing much true true true, okay so I think like uh the expenditure wise I always think


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


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


no like but see ah when you come back right the things might be cheaper already then like my my the the stuff that come up by renewal also, the younger influence , hello, alright next what strategies would you recommend to someone planning for their big ticket expenditures in example starting a family buying house car et cetera


(ppc), okay I start first ah okay I think I is is good to set a goal, like a goal like how much the the ticket is ah like let's say like oh uh like you are planning for a wedding right how much is that like fifty thousand okay how how are you going to get that fifty thousand is it like split half half or


or like how much you have now and how much more you need uh what's the timeline like that so so I think like having all these details are right you can slowly plan like how much you need to earn like per week or per month, to hit that uh item and if it's a actually a feasible amount and


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


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


true but I I think I I don't know eh I have I just very feel very iffy like having someone to like manage the money for me, fixed deposit ah or what or oh but


but like that one last ah you don't have the lump sum then how you put sia (ppc) ya, yeah but I I feel like everything can be done like DIY or through like robo advisors where like the fees are not that much so in the end right you're spending less on like this insurance stuff and like you are actually in turn saving more and earning more as well yeah that's what I feel ah


do you have time for a last question (ppl), okay never mind ya on


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


thoughts on BLM,


uh I I don't particularly find it like like it doesn't anger me in a sense lah but I think cause like in singapore we are like, the majority race as well so to be honest it we are not really affected by this type of like racism stuff ah but like uh


you can you can but when you like go overseas you can you can see lah like how people treat us like asians then like last time last time I I went to UK for like, intern as well like you can see like they treat asians pretty differently


then you you just you just got that get that feel ah yeah like like you you don't feel it when you are a like like the majority but when you are the minority right you always feel it that's why that's why, it it is important I guess but just a bit like aready say lah is the BLM a bit hypocritical like whether when the Wuhan virus hit them then it's like at all asians is like


like virus virus you kill us like or somethings like that then like then like uh when it when it uh happens to like the black people then it just


they they just took it way more angrier ya don't know, maybe asian just very chill lah they just like oh okay whatever


negative experiences in your life, describe a moment when you were you felt that you were treated unfairly


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


or what I I want do like FNB related stuff lor like maybe start like hawker hawker or something you you know like ya like you know NTU right there's like, they allowed a students to open at a stall at like their one of their canteen ah then it became like the supper stall ya it's called like wendy's Beehoon


though it's damn cool then they they just sell like supper like Beehoon supper and #nasi lemak# stuff at night, uh don't know ya uh a bit ah a bit a bit a bit a bit don't know lah cause like you not sure if it's like practical to do or not


then especially like during this period is also very hard to like do any FNB related stuff and then it just makes you think like if it's actually like stable and what you're going to build like worry actually like last because like


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


okay let's move on, whats a , describe a time when you feel awful after helping someone, don't know


maybe like the the the person take advantage of you right, sort of yah,


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


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


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


no that that's what I think lah like if you are okay to give right you're you're you're you're going to lose it anyway lah then you just theat as you did something nice lor and if people take advantage of that is like it's on, them ah so you shouldn't you shouldn't dude no lah what what I'm trying to say is like you shouldn't stop like doing doing all this like good stuff right just because like one person one person like cheated you out of it ya then then then like


like actually if like even if like let's say out five people right three cheated you at at least you you genuinely help like two people you know ya that's what that's what I think only lah,


okay okay


does this does this still affect you like if people call you fat I mean like !oi! Dion you damn fat sia serious


you very self conscious now ah


, , lost contact ah


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


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


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


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


the people you talk to right they look down on you ah okay ah they look down on you lah like they don't think you're very smart a lot of things like you can just feel it ah like they don't I don't know like when you're talking uh, now got a bit ah like when you're when you're talking to someone then it's like you're you know your replies got no not a lot of substance then then they just


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


, yeah but yeah but I hate sometimes is like the group project right then cause I like people to who be like direct with like what they what they, want lah then like like what


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


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


oh my god poly project,


oh, what a snake


really ah, oh !wow! okay


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


!woo! !wah!, alright last question what you want to ask


, what pet okay what what pet peeves you have


really


, my pet peeve ah uh


okay I I think I also got like a a similar pet peeve as you lah like it's just just just don't do last minute change lor like I think like all more !wah! okay okay this one this one uh okay I I like like my my stuff to be like


uh neat ah neat, okay so it it's regarding you dion dude you know you stay during vacay right like you stay dude dude you you


eat your snacks halfway then you just leave on table there !wah! I tilt bro I just cleared yesterday then like then like !wah! fuck you just leave it open eh then is like the then the snacks just drop out onto onto the table, !wah! tilt bro , no !huh!


no lah is like not not not like super neat but it's like don't dirty my area, yeah dude you


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


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


eh oh yeah, you just busy then after that COVID hit then then just nothing lah yeah, sure hotel ah hotel


yeah that's about it


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


okay , okay so like (ppc) I agree with you lah like you have a lot of more, time to spend now especially like know with your family and like the things that you actually want to do right now you actually have the time to go and do it like like recently I've been I've been starting to run


run starting to run a lot more again lah because like when like we're we're in hall right like, it it it just become lazy and then you just just slack away but I think is like ya lazy lah


, ya so so like like I feel appreciative like have the time to do what you want and, uh uh think like what you want to do as well lah but I agree lah like sometimes it it it gets like I mean too much time lah it's just very boring like you don't know what to do then sometimes you watch shows


and stuff right then is become like very Sian already, ya so so then I just I that's why I take like take up like a special term module so that I can, can study yeah so can study right during this period cause like !wah! really really nothing much to do ah others


okay lah it's quite okay it's like the classes are like six to six to nine, PM yeah, then it's like two days oh but it's a bit a bit compact ah like you squeeze everything into six weeks then you have like finals in six weeks yeah


!wah! look forward to oh ya !wah! that so good ah nope


oh oh ya ya there have a lot of trail I I , maybe end of end of sem two ah


postpone there lor


ya I think look forward to like the normal stuff we are we're doing or like, I don't know like uh like hanging, out with friends like don't need to be restricted to like group of fives, yeah and like can


can do more stuff together as well ah maybe like oh you're watching watching movies in the cinema man, !wah! that's that's that's so good , !wah! then you want go clubbing right then after that uh


that's true I think traveling hopefully will open lah I think think they are trying to like open open like to to certain countries only so very restricted


, hopefully it won't lah it


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


okay Dion Dion we don't use question what is the best meal you ever had, what you mean (ppc)


what okay what what is your favourite food, Ramen


oh you really, you really damn basic sia , ,


eh let's go later is it still very expensive


I mean I think should be around the same, ah, oh


smoke and , !wah! that's true quite expensive


ya I think I think buffet ah best meal I think is buffet but I forget I don't know eh it's like those hotel buffet kind lor like cause like you get to choose,


uh but hotel buffet really very very Shiok ah like you get to eat everything like all the different cuisine then you can just eat eat eat eat eat then they're like, lobby area !wah! don't have !wah!


Siok, yeah that's me with buffet ah, I think, forty ah


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


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


got buffet also meh not not just barbecue only ah, oh to barbecue ah to grill ah, oh


okay describe a time when you laugh too hard ya, I think recently right the the hardy one the uh uh her he no lah his his girl his girlfriend ah he got a new girlfriend what then it's like snow clock


the the, inside jokes whoops know that is damn funny,


, ya


ya I think quite a lot


yeah that's true yeah I mean it become very common already ya it's damn funny, seriously okay


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


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


but it's it's just a online persona you know it's online character I don't think his, I don't think <P2>steven lim</P2> is that retarded oh offline no he's damn smart


he's damn smart you do all this right then he he earn so much money for it, yeah


ya ya ya he he just got it at the right time ah


, okay come you pick your question


(ppc), cut


okay let's let's talk about like the last one describe a time when you took a risk and and was rewarded with success, (ppc), what what you mean yeah dude I love risk I love risk like I don't know if


is there damn stupid like you know when we play that day then like hardy hardy hardy is like making stupid play and then he he just got it ah his luck just hit lah, ya lah but but ya lah but but but my one is not risky play ah is is like is like logical you know yeah sometimes sometimes like hardy !wah! youtube you know really you playing stupid playing like stupid stupid hands


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


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


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


ya, so like ya so I'm I'm just, I'm I'm just basically stay home ya inside lah, but yeah


dude the the manager ask me go Changi sia damn stupid I I Changi business, what I think but, !wah! dude I'm I'm at Jurong sia he say pay me one hour to travel over !wah! I I go I go I go there come back three hours already


it's stupid ya, ya so I so as I was saying like I I'd like to I don't know I I'm just a very risk I I like risk lah is is don't know it is you don't think like everything very safe right then is like


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


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


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


it's really damn fun is is, ya lah but like like like you you do you don't always win ah I also don't always win we got lose I I got lose money but okay lah still still earning


(ppl) [oh] no


financial related topic


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


spend wisely uh for me let me think , five years ago five years ago is uh eighteen eighteen when my oh I'm in poly, I think I was working part time ah so, !huh! let me see


okay I I think I spent a lots also like like I thought I save a lot but then cause I every time when I have a certain like let's say I earn one K plus for part from part time job right then I will just like spend like two hundred three hundred or maybe let's say like, uh uh , a shoe or like a like something there's a rather expensive so I I feel like maybe I should I mean up till now I think I still do that and then maybe I should just try to remind myself to save more


and like like what you said that the interest rate is like compound interest all that , so plays a part also so ya maybe maybe should have like started earlier and, be more wary of what I spend so, five years ago I think that's that's quite a long time also


ya, then five years can achieve accumulate quite a lot of, uh savings like my brother actually earn like has way more savings then me even though he's younger, ya so I spend too much so next question, should I DIY or get a financial adviser


plan my finance,


easy sale


for me uh I think that financial I probably go for financial advisers but then uh of course like robo advisor all this is quite simple but then cause I'm a quite, quite a rather lazy person then I would rather have a financial adviser to manage my finances then but then now like very hard to determine what is a


good one or like cause let's say let's say you may want to like I actually considering to put my my the I I bought a AIA insurance like few years back right then I don't know whether to put my friend or not, cause like but then you don't you don't know whether the friend the friend maybe like even though it's a very close friend of yours but he may he may be only like one year two year plus of experience so he he may not be as much as compared to maybe a stranger who has way more experience and know what to do with your finances so I think that's that's one thing to consider then like


for now I think I'll just keep with the, I I is currently with my mum's friend ah so like although I don't really like interact with, my agent that well but ya, so maybe in the future we consider, like giving it , hand let it be handled by friends so that at least is easier to communicate things


I think now I know much eh cause like one year two year plus only, so like, like one year two year plus only then like not very like not not much experiences also so need to like see how, ya so yup moving on


uh my one let me see , !wah! actually I don't really have a


how much you can allocate I think I I I try to try to go, by percentage but then though I don't really follow exactly so let's say if I earn earn like I mean cause like uh, uh let's say food I mean like like I will try to save like maybe fifty percent like and then the other fifty percent is use for like


spending like uh daily expenses or like if I want to like let's say reward myself of something then I will buy like maybe, okay maybe I shouldn't do it as often but maybe like but get like, what did I get recently oh I got like a like a eighty dollar shoe or something ya


then then the other fifty percent is definitely to saving but of course now I try to consider into investments so because savings itself is not going to, like glide, grow my money in a sense so uh that's something to consider also like I'm I'm more wary of now


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


I'm messed up


okay okay okay next question, what can you do to earn extra income or improve your income level, I mean cause we are both students there will probably just be, working part time, so how do you earn extra income so like right now I'm


doing grab so ah yes that's extra income and , is very flexible so like, like in a way like you can plan wherever whichever day you want to work ah and I think that's, even in future jobs I mean I I of course they may it not it may not be


it's not every job that would come with this kind of flexibility and I've but I feel like , is one of the more important factors ah and, this can help me like, like let's say if I'm when school starts right I can still earn a certain sum of money and then at least uh managed for on like expenses food expenses all these


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


oh start your own business so what business do you want to start #ju kin#


bakery


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


like pay off like school fees and stuff but habit of saving ah , I I wouldn't say I have a very strong habit like have but not that, much ya, ya and it's very hard to manage like, likes like how much exactly to save right now be especially cause of like uh uh let's say paylah right cause you deduct everytime you deduct from your bank and then you don't look at like banks like uh savings like the amount they actually like


you spend so it's very hard to track I mean in a sense you can just keep going back and see the history ah but I feel like all these , uh E payment methods right make it very hard make it slightly harder to track what you actually spend so ya it if of course it's good to cultivate a habit maybe like to track it via I don't know like some sort of app or or or taking notes like


how much you exactly spend on a daily basis but ya I feel like such such payment systems right make it harder for me to actually know how much I spent in and and did this in turn translates to how much I save


you know now my my grab grabcar everytime grabpay grabpay grabpay grabpay then my E statement come out is all grabpay grabpay grabpay I didn't know what I spend on, meanwhile I feel I feel like it just cause you quickly topping up topping up topping up then like the amount just keep like, accumulating but you don't even know you cannot really remember what you spend on unless they state the thing but they don't ya sia then like !wah!


ya then very hard to keep track okay next, yes sia shit I need to stop spending so much, ya I never


I don't know man I think the the COVID period make me spend too much on unnecessary stuff like clothing


I mean I didn't spend a lot but a bit like cause they keep giving the thirty thirty percent off that kind of thing !wah!, then like ha, I mean you can buy for recycled got a lot so many thirty percent off or whatever not so it makes it like even more tempting to buy then


justify ah, you know how they say the want need ah, right , the the the what you need and what you want over thing I try out but cannot, in the end you still buy what you, you don't really need but you still want it then


but of course like not to the extent that everything I also buy ah, ~sider like, things like like like which one is more, ya, don't know more worth I guess like which one I want more then , whether is it justify or not


I like like let's say for the shoe example right I justify by saying that cause my shoe go and spoil already then I just buy new one that's how I justified it I, guess ya


who are everything's


on stocks wait what, too much on stocks got where got too much one ah


!wah! no just buy just buy if next time can say you comeback after you hol finish already can also come back and use what


that's true, no just buy, just buy , ya one K only what just buy


!wah!, what advice can we give Fairouz !huh!, !wah! what advice, I don't think I'm in the right place to give advice okay you can start first


yes a lot of people they do like like know lah insurance policy then they like they they have this particular insurance policy for that particular group, I didn't know like so like let's say let's say you know you you want to save up for for uh uh, I don't know how like like like maybe you and your girlfriend get together now then you know that like fires ten years later you are going to get a house or something like that then that therefore you you you actually invest in insurance plan then after you know the after than this you mature is the right time to actually


use that money to let's say get house or something like that so, I guess that's one way to to to solve, manage what how much you save and then like reach your, big ticket expenditure goal, I guess ya


I mean some is fixed one oh what's that called, like, those one lump sum one


ah yeah that's true oh the the the monthly instalment one ah the the one the what's it I can't remember the term shit but ya,


okay so


negative experiences, !huh!


!wah!, I think like if you see for a while already after you realise right oh you angry a bit then you eh then you move on that kind of thing, like what war recently happen ah


oh that that that that that we were talking about it that one, hypocritical like ideas and, and stuff what right ya but then I think , does in, way make me angry is, I guess it just makes you think lor like


like like certain things that make you own wary of like what's going around around you and you didn't really I mean is that that really affect us in the sense that cause like singapore don't really have this sort of, like the, uh not not not with regards to like like black people or such , kind of like


racism and stuff but maybe in other ways but after awhile or or just like, forget about it already does it make you angry #ju kin# after like how long or like do do you treat it very very


like,


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


ya, (ppc) other countries apple, uh what are the questions


uh skips uh !wah!


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


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


oh legit start a what hawker, oh legit


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


!wah! helping some what would what would you feel awful after helping someone, no leh as in you will feel, uh don't really recall any of that


stuff eh, you got any I don't know I don't have every time I help somebody just like happy oh, like like, especially you help strangers still like !wah!, I don't know oh oh


uh okay ah small one ah like like there was this like lady right, she at shopping mall then she asking people for money then say oh I think it's no bus or what need two dollar then I I I usually don't even give this kind of stuff one then I gives sia I give to quite a long ago I give like she ask for two dollar so I give two dollars then after that fricking hell she went to every single person after me to ask for two dollar then of course you will feel like name tilted or like


just ask for everybody two dollar then the amount amount of money you accumulate is how much, like keep asking asking asking like that ya that one that one was just a small incident that makes you feel angry I don't know ya no people ask for money right like all those like weird weird strangers because some people damn weird one really


but it's like, ya lah but I if if you should have take bus or like uh I don't know for certain purpose then you you you you give


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


!wah! I never I won't, !wah!


ya ya ya of course lah that one that one yeah, true true true


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


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


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


dude now now look back quite funny right but then right that time !wah! !wah! I really like, I was like like conflicted cause they are your close friends and then at the same time they were like, they were like like like so called indirectly bullying you and stuff like they know they know I cannot run fast so they run away from me that kind of thing then !wah! like really sia like I think that that that was like like that affected like a bit like I think as as now like how I am right sort of like


affects the personality a bit lah maybe less confident and stuff yeah then then then I guess I don't know what happen like like like secondary school I think I grow taller then became less fat, then less people like like say fat or not but then then my friend exercises also so like I just join lor then I think ah why why why do people go gym that kind of thing then in the end in in the end I just followed then


I don't know I just got into it and stuff which is good I guess I don't know, so ha, I think like like we, that time got ah, but then sures that time as in after a while we rest oh eat too much supper then like like dame like really gain weight right then I go and exercise more lor like I mean is then in that in that way is not bad way already I feel like it's a good way because you you know that you would go exercise that kind of thing like right now is different case like people call you fat then they like like you like oh shit then you know that


may maybe ah if it's legit like really you you you ate too much I don't know then you will be more cautious and then go exercise more so so I think I think in the end I guess it's a good thing I guess but I don't talk to them anymore ah like, like they were very close friends but then now like never really like, never thought of it after primary school eh primary school you don't really have handphone also


so is sort off like hard to ya like like never really talk to them anymore ish yup,


the shoot after you slim down lah


right right right I got friend like that also


buy buy new one never buy new one never get like a, oh oh


like what, you mean now


, what sia what is this got some got some, insist


lah Heng lah I don't have such such I don't think I can recall any,


lah I got got some also like that one, ya, okay only I never haven't encountered such people yet I think got I mean like just very minor one like not not really those you affect a lot is


ya no doubt no lah don't think, project ya actually no way project group oh like like you know poly poly major project, !wah! major project was hell for me cause like you affect the GPA a lot


then I had this group mate !wah!, like he was damn smart like like you see all like those #chai kia# kind, then but then he don't he always do his work solo one, then our our project it's a it's a three part project, so like three component each then he just take one component and he do himself


then then he in front of us eh very nice nice like oh , like like you just oh you all do your thing you all do you thing then I heard from my friend friend say oh this this dion like uh uh what what don't I don't know what he say lah like don't do shit or something like that and then then but then in front of me ah he won't say this kind of thing !wah! then you can feel like damn like those kind of snake or not what like he but then he damn Zai so like you can't really like like


scold him for his work also but more of his attitude !wah! then they all really like, sort off sort off irritated me a bit I guess, but in the end I just got I still got As yeah cause the the prof see my effort !wah! I damn please ya I almost I almost cried I legitly almost cried cause


cause got four of us right I don't know what that that that that solo Kia what what he's grade but I know the other two got B plus then cause they see they don't just see your grade they see your they don't just see your content they see your efforts also like individual person will get slightly different mark, ya then then this prof give me As ya and then !wah! damn happy cause if not I think without that A right I wouldn't come to uni already legit cause ya then then


I don't know about you all but then my major project was like twelve MCs eh it's like three subjects worth eh so it's like like affect the cap with like in uni right affect the cap right uh A A and and B plus right very huge, difference one for twelve MC, project


ya !wah! that one was crazy, major project, ya mine mine was three modules worth dude is like half a sem worth, damn scary, as like make it or break it kind then like !wah! damn scared


!wah! I don't know let me see


got any interesting one pet peeves oh


eh uh is not that ah okay never mind pet peeves is like, I I let me think, the number one one is uh, like last minute last minute changes I hate it, even if it's good one lah also hate it like not really good good one like like not not bad one let's say


let's say eh for example, uh okay not not really good or bad lah let's say exam postpone, or like something like let's say you know the exam is tomorrow then you read very very hard then suddenly it changed they say postpone to, friday that kind of thing then sort of like where expectation changes ah then it's sort of like quite annoying like


it can be a bad one also ah like let's say people meet going to promise to meet up with you right and then we settle on this date already, then last minute like maybe the day before or few hours before that you call and say oh sorry cannot make it that kind of thing, !wah! that that's sort of that sort of thing really like, I think that's my number one pet peeve that will annoy the shit off me


ya until like got some extent right I I I will, I will got once I argue with my friend cause like we promised to like meet up for very long then suddenly say cannot make it that kind, ya hate it I hate this kind of, so what's your pet peeve


!huh! me, oh shit way got messy oh then do with, whoops


I don't know you neat one eh you got say you neat before meh I didn't know you like super neat kind one, I don't like oh


she like very I think I too, it's a habit lah, you probably look at my table now right see like, I don't know men confirm out one, because I haven't throw away I just ate just now, whoops


I got a lot of yeah, but I actually I got clean up ah but then, like after a while later the habit comes back and then, !wah! then never say you can say you can say nicely one mah then leave me in the dark !walao! now you now then tell me after after so long already you tell me !walao! you making me feel bad sia seriously


seriously ah, ya you there's more as go legit I mean I haven't haven't treat you yet !wah! reminding me sia but I I ya I a bit forget already so that time after that the I think what happen I don't know man what happen sia


[oh] shit go [ah] let's go both steamboat [ah] l very international one, !huh! hotel you pay (ppl) I pay half only [ah]


positive experiences, K first question okay let's let's see the questions


I, I we see the first one a bit boring, what are you thankful for or appreciate during this period !huh! let me see, uh, I think I think cause got a lot of free time oh then like, like, at first I was annoying the whole whole three months then


then like you will feel very like Sian after I guess after one month of Nuaing and just playing games and stuff I got really bored and then I decided to just work part time, then, and maybe like just exercise more I guess and


I I guess it's a good time to like like like like what they say what reflect on yourself or whatever shit like just try to improve yourself or and, I don't know since a lot of people also do that then we sort of feel motivated to actually like not just rot your life away for the next three months I guess and I appreciate that let me see appreciate what appreciate that actually I'm very


proud of myself that I actually managed to to do something out of this like, two months I guess two three months yeah, what about you #ju kin#


where got lazy sia and know you can run you just lazy don't want to run, got so much


special term modules eh, can't even study I cannot study sia I will, !wah! don't wan study


okay okay okay okay, what other question are there uh, what are the things you most look forward to when the pandemic ends everything is about the okay whatever


uh, I wan't go overseas sia shit, I thought I thought by the end of december can go already as in then I then !wah! I think I too optimistic everything I'm too optimistic I thought that I thought that this whole thing


like the CB thing would end earlier let's say they they they drag it to june right maybe uh mid june done already, but actually it still like ongoing each then overseas also they say like oh december can already but I'm pretty sure now that like at least wait probably december can't even go


eh no don't have blocked streets sia, who said no, I think don't have ya, I think won't have I I thought about that then like !wah!, die end of two


very hard, a lot of things don't have then like yeah over I think overseas is one of the things they're going overseas is one of the things that most look forward to they probably like charge up all the airfares and stuff !wah! expensive !huh!


the movies confirm need to like one one one two I don't know confirm got so many gap one like like uh, uh, that one is like like


in it's like it's like the same length of travelling like where you can travel is when you can even do that, probably I don't know


ya sia shit I wanted to go like, I don't know somewhere cold , too bad, Heng you never buy here we never buy ticket first or like anyone like buy ticket then !wah! already cancel eh a lot of money will be wasted


is it my friend no refund sia she said ya uh


best meal !wah!, cannot eh like that cannot why make me choose uh !wah!, cause got so many good food what how you !wah! best meal ah wait ah,


okay favorite food I don't have favorite ah there's too many already cannot like maybe oh maybe Ramen maybe Ramen but I think I think best meal is uh KBBQ I guess oh KBBQ in korea those legit kind one, that's one one of the best


!huh! why got basic eh you know like it's really different experience is cause like first see the price is cheaper is like half price like, when once you go korea then you realize that singapore they price it very expensive then like, it's ridiculous ah in korea like very different cause they got the sort off like culture like they they actually give free stuff cause like let's say you buy a lot then they will like give freebies and stuff like free drinks and whatever not that kind of thing and and their service is really different ah


and ya, I think is something I really miss okay then, ya, korean barbecue !wah! I got fuse to eat now shit, those but very expensive !wah!, like, those those legit ones right, !huh! those legit kind one like like I got this like like


like not really like first know like those legit KBBQ like korean barbecue is like those round silver thing round metallic table one the round table one then then the centre is the charcoal second is the charcoal like use charcoal one then third must have the the smoke exhaust one


the the exhaust the the exhaust pipe, though to get rid of all the the smoke smell, then must have all the side dishes !wah! that's the legit one but then very hard, singapore very expensive thirty over dollars, forty, so what what's the best meal you ever had


move confirm buffet buffet right buffet, hotel yeah then say I basic lor hotel buffet also also like that what I mean I was going to say hotel buffet but I purposely didn't say


I tried the you got try the MBS one the, what's it called, the MBS the lobby area one


rise rise buffet, my my aunt has fifty percent off like cause she is a staff so every time got special occasion my family will go there then !wah!, just wake only international buffet, ya I was going to say that but then I nah you see confirm say like buffet or something


eighty dollars I think most is spend is forty forty, got eighty plus hundred one right I think, eatigo


oh if you combine both you know the I wanted I keep on wanting to go this place you know of what three peacocks


it's like some some some, outdoor barbecue stashed buffet restaurant, !wah! dude I want, ah but but I think is now this timing a bit bad but I I wanted to go like entice I think forty plus, is combined of both is buffet and it's barbecue


ah, is is buffet like forty plus right then you, wipe whatever food you want like, like seafood ah meat ah whatever not then you then you got your own barbecue pit yeah then you cook, like, but need to driver out one quite far I think


is quite quite Ulu place, ya I wanted to go there also see combined both buffet and barbecue, worth going to try next time laugh too hard


think got a lot eh uh laugh too hard let me think, laugh ah laugh ah, what thing what hearty one, (uh huh)


oh oh oh I haven't not even call out yet uh laugh laugh too hard, !wah! don't know sia


not not really the most recent one but then the the you know the the the the the <P2>steven lim</P2> the #pok pok ke# thing the happy birthday crab !wah! I laugh until like crazy sia the the the #chen sheng# one then you know now, now he he create so many videos like, he earns hundred dollar per video


and and then and the that, that #chen sheng# one right was like the pioneers of the videos I went and scroll through ah you know many videos he have I didn't count lah but I'm pretty sure at least like fifty to fifty to hundred, minimum fifty videos


and he earns hundred dollar per video eh, then and the #chee song# one just the first few only I I scroll like there was so many more after that and it's just the same thing over and over again then people actually pay for it hundred dollar per video eh I mean that's the minimum I think he paid he he charged minimum hundred dollar lah but like you count and then hundred there's like fifty videos is what one K five K already eh


ya and then but after awhile not funny already but the first few I, the #chee song# I laugh until I laugh then I almost !wah!, now that every video he just repeat the same thing right then it gets it's just it's just like that every time


but of first one first one I laugh damn hard I I even share with my friend who don't even know, don't even know who the hell is uh, #zhen xuan# I never laugh like crazy, no but that one is the camp the camp U what don't know what mah


but ya like this kind of video stuff, as long as you like like like partially famous and then, like micro influencer or ever not then you can like just do all this stuff and earn like big bucks ya, !wah! smart is a is a way like


you earn so much money hundred dollars a bit uh per videos is is insane man and he he probably does the videos like like one shot do all right then after that slowly slowly like like during the birthday right that that particular day then just release the video, and it's like !wah! so easy easy money that one


uh, if if I already have that character right I was ah like, if like if I'm being know for that ya, yeah if is a if I have that character already then then I don't mind lah like throw face lah why not like


yeah I don't think he's that retarded though, cause he just these does the same thing over and over again, ya oh, is a lot ah !wah!, that one really free like money just come to you


smart smart I mean like nobody before that I think it wasn't really that trending then he started this news like not very new but rather new like during this period some more CB period then everybody want to send birthday wish whatever not !wah! damn smart like like


like so original like like bakery all this eh then you see happy birthday wishes , earning way more, how much you need to like like bake to to earn that amount of money sia, !wah!


crazy that one that one original idea original, ha, this this one


the rest all very all very serious questions uh


took a risk !wah!, yes high high risk taker would you like to, risk loving, person (ppc)


poker poker, that's risk what


you also earn what and then you so you also go back, oh


now you talk about risk and rewards and success what can I think all I can think of is a gambling sia , , oh wait took a risk in let what other risk did I take


I think I I too I too I too safe already I wouldn't, ya, (uh huh)


eh not working or now working, I thought you doing your your restaurant thing, and then I eh nah the shirt behind, they could they they fire you, is it


oh oh ya hor, you still inside lah, but because FNB they don't really need so many people so like lesser shift lah, oh


!wah! wait what Changi what I want no lah, oh that one that one, changi far


fun [wor]


(mmhmm)


!wah! quite fun say, fun when you get rewarded with the success the the whatever you earn or not lah


I think I too safe, then I I don't really like to take


part one financial related topic


uh, I think I will look out for reliability and knowledge ah because I think these are two very important things that uh I look out for when I look for an agent, because you ya because when you buy insurance right the most the most important thing you want to do is when you want to claim it right


so so, you want to look for an agent who actually knows his stuff pretty well lah and also he is prompt on his response to your questions ah uh that's that's that is one thing I look in an agent yourself


uh ya I agree I don't, really like to have too many annual uh annual reviews with too many agents cause if you have too many agents you you probably get lost with too with all of them ah you mean you could but you could be buying ten over ten PA plans from ten different agents


then you you you you be ya you'll be over paying your your your premiums for all these plans ah


actually age is not really my concern ah actually he if he can answers my questions, ah uh, properly right I think it's is okay one, ya the the the thing is he he need he if he doesn't know he please come back with me as soon as possible lah but if he knows right he can try to give it give me an answer I


I seen some old agents right even though they have been in the industry so long right they still cannot answer some of the questions I pose back to them so I I don't really look at age nowadays lah ya, I I used to but ya ya I used to but not now ya


you yourself yourself


what, what do I look at ah I mean I usually will cover the three basic uh basic uh scenarios which is a death a TPD and CI uh I will use the our rule of thumbs ah which is the ten times ten times then five plus a hundred k as a as a guide lah


uh some I think some of us will actually factor in inflation lah but I think this is something that uh uh if I explain factor in inflation right it might complicate everything , so these days I actually don't use the inflation thing uh I mean there's no right or wrong lah but uh I think for simplicity's sake


I actually use the use without the inflation uh factor in ah yourself, correct, at that point of time ah ya uh ya


ya correct, have


uh I think this is a not not a bad strategy in fact I think uh if you buy term and invest the rest you actually maximising your capital in uh in order to invest uh for the future, uh I think I think it really helps to uh beat inflation in that sense but the question now is whether you buy the term already


, uh uh oh you spend the rest because uh that's what really happens in out in the market you you have a lot of people who buy term but in the end when you ask them to do the invest the rest right they probably procrastinate or they decided they don't need that or


or they think they they better than you but they they think they're better the worst the worst the worst ones are the they think they are better than you but they never actually invest it, ya ya so I think that is the actually the the the the real real real real type of people that is


they they cut they they they believe in the the face but they in the end they they never really practise the what they they preach ah , ya ya ya it uh it it it really it really happens uh pretty often, so I actually have a uh I mean some some some of my uh client actually had this uh issue as well I I they actually buy the term the term but in the end they never they never actually invest the rest which I we discussed about


so that they invest the rest seems to be more invest in the fixed deposit lah but I I don't consider that as is as investments ah because fixed deposit is not, a inflationary uh resistant instrument ya


yourself


better ah well, I actually uh, I might not be a very good example because I actually bought, both life and term insurance altogether I bought a uh term insurance age ninety nine uh worth one million


and also a life insurance about three hundred thousand, uh with manulife yes, ya so uh for me the the term insurance is actually uh has a dual function, so at this point of time right ah when I'm still young right this uh age term ninety nine term plan right is actually uh an income protection plan for death and TPD


but where uh but until the point where I retire then from the point where I retire till the point I die right is actually a legacy planning, ya so it serves two functions for me I mean uh really depends on different types of people who sees it differently for me I see the the payment of from now to ninety nine right it's I think the estimated I gonna pay will be a hundred and hundred and forty thousand


over sixty nine years , but I'm gonna I I definitely gonna die somewhere between before ninety nine lah so ya ya so so so my my my upon my death my returns are probably nine times more


at least slightly less than nine times so I I take it as a bet lah, , uh at a uh, risk hedging uh, uh instrument ya correct so the for the uh for the term the life plan right I actually had it to insured myself for


ah critical illness, so that is actually uh critical illness I believe to you it's better to use a a life plan because is much cheaper, uh I mean I don't want to pay so much for critical illness lah I mean the you look at the you you look at the premiums right


it it's way it's it's pretty expensive ah it doesn't even make sense if you pay every year year on year until the day you die


ya ya ya that's why I that's why I I totally agree with you so uh usually what happens is that the first five years right they they will use the term plan then subsequently right when once they are ready to settle down then they will start to convert, the term the term the term plan to a life plan


ya so that is what I see or what I observe as well among, the the younglings ah, or millennials ah or whatever


ya is is just flushed down the toilet ya


I agree agree but uh but did would you like mix your your insurance and investments ah, or would you keep them apart


better to keep it separate ya, uh I I do have some investment linked policies uh, I mean back to that question that I asked you right uh I I actually agree with you that I actually keep them separated this is actually to reduce costs


uh I used to bought bought bought some ah, investment linked policies which have uh event uh life insurance components in it so my, my take is uh they are actually not that efficient in terms of in in terms of investments


because uh they have a lot of charges which is uh you probably buy the riders right then they will have the riders charge on the critical illness, then they probably also have the policy charge and also some other uh miscellaneous charge so to me they are not very efficient probably you your investments of two uh two thousand four hundred a year right probably after all these charges and stuff like that you probably only


you your actual investment is only probably a a thousand eight hundred so it it it doesn't really maximise your, the potential of your does the the potential earning power of your money, I think I think ya I I think I'd rather have them separated and uh which I did now with one one uh with a pure investments is investment plan


and and also I do I also do my own ah like I said the term and life insurance, so, but I I I do notice that uh this is actually very but investment linked policies are actually very popular with uh young people


when when they first started they want this a bit of this and a bit of that, but I would say I would say after after your first first, uh investment linked policy with uh life insurance riders right you wouldn't want to do this anymore because it's totally not efficient at all


ya I have you seen uh have you seen such uh such investment linked policy with uh life riders on your customers


so so do you think is is in a way the is the function of the policy itself or is it because the the agent him he or herself never helped to actively manage the policy


because of the because you cut you you you because of the premiums being cut I mean the premiums being cut to pay forth the life the life insurance first, then the the remaining premiums that is used to generate the the returns are not are not generating returns fast enough to actually cover back the


premiums that is being cut right, ya,


ya ya I I I I I've been through that that that what you said so I I totally agree with you I actually had this very bad experience with uh, investment linked policies uh with riders lah so basically some every time when you look at the the statements right you'll see the deductions


for all these, uh all these all these uh what you call it uh, riders premiums ah then you look at it's not efficient to help you with this, to to grow your grow your wealth


I think I am more open to to to uh someone who is being uh, socially verified lah oh ya, ya


brand status I'm not sure lah but ya someone who is uh who is being uh recommended lah, ya because because uh of course I'm not I'm not saying that I am not open to cold uh to cold agents who just walk up to me and give me a proposal ah but the thing is


uh so far I haven't met one who can give me a very impressive proposal to what I already know so, it's not that not saying that I'm not open to it it's just that none none have came to me if I mean if you are proposing the same thing from you from a warm agent and a cold agent I might as well just go with the warm agent right


ya ya ya I definitely will give the person a try


I mean coming from the line right so I think it's it's not easy to actually go cold call as well so I rather give them the, that that window of opportunity to let them said what they want ah of course I'll have my time limit lah if they cannot convince me we need a certain time frame right then I have to just uh let it go ah


you mean as a tag team partner is it or what


I I don't have a I don't have a sexual preference lah if you are asking me that that for my agent so uh ya I know I do know there's some guys will prefer a female one ah, yours yourself


I know, oh like that that that's the, ya that's the underlying statement that sex sells ah


(ppl), ya ya definitely if it's a if it's if it's a hot babe I think that's just a bonus [lah]


part three negative experiences


greatest fear ah , actually I think I got two [bah] I think my greatest fear is first one I think is everyone I probably is applies to everyone I I actually had a fear of not having enough money


not having enough money, ya okay what okay the reason why I said this is because , I actually when I first started started out this journey right this whole career right


I I didn't know what I'm actually uh uh getting myself into ah because my previous mentor never really prep me and said that oh actually you need to make sure you have enough ah savings to prep yourself for what whatever not lah, so when I took the plunge over right I I never prep myself enough on the savings portion so actually the when I when I first started out my first six months I was actually having zero sales


no guidance those as zero sales and there's no, ah, paycheque coming in so to me that was actually uh quite and it's quite a big jump in terms of uh, life experience ah so if you if you if you if you notice right then I mean if you keep if you if


if you are coming from a employed to a self employed environment right the jump is really big , when you're self employed when you're self employed right, you don't have the luxury of a fixed income that with a fixed revenue coming in to actually offset your cost but your now right now your cost is still running


and you have no income to actually to offset this cost, so I was actually coming to a point where uh I I would say I come to a breaking point where I was only left with four digits, yup on my bank account yes


with uh, so to me I actually, it makes me had this fear of uh not having enough money or in a way I I start because of these an an entire experience right it makes me uh want to save more and I


try to uh put on hold of any uh special indulges that I have lah like you know going to uh fancy restaurants and eat and stuff like that so to me that is my concern ever since ah so I will always make sure right from now on right


or ever since then right I always make sure that I have enough money to actually to last me six or six to twelve months , I mean correct correct so I mean it's a bit uh it's a bit Kiasu lah but uh I think to me right is a is a is a is a level of comfort that I would prefer to have than not having anything to support


I think the second fear that the second fear I always have is touch wood right I always scared right, I, I have to make a claim for anyone that I sold my I sold to, cause, I never experience that before so I really don't wish to have that experience coming to me uh and the worst the worst thing is that they cannot be claimed because of


certain technicalities or some somes some things that didn't work out or the or the insurer decided to change what whatever not, so to me that is actually my second fear ah I don't really like to do, uh claims especially for for death or TPD ah ya


ya yourself, ya


squander away ya


okay okay, ya don't worry I I I I totally understand how you feel because uh but that was that was not my greatest fear these days lah but back then right I think a couple of uh couple of years back when I actually came back from uh australia right for my after my graduates right


I actually had a fear of that I cannot repay back my parents the school fees which I can tell honestly tell you I still cannot paid repay them back now, because the school fees that I I actually going I I actually calculated right I think I spent about a hundred and fifty thousand dollars


for the entire three years that I was in australia so I haven't, to be frankly speaking I haven't earn that kind of money to actually pay off a fraction of it so it was quite a, ya it was also a a kind of stress for me ah but after a while I realise uh


they are not really that concerned about that lah, but in fact but so right now my my my greatest fear is not not having enough money


bad debt written off , ya, correct correct


phobias ah uh maybe my fear of swimming, actually I don't how to swim ya I don't know how to swim eh, ah phobia of drowning ah ya I guess that's the ya


I I need to bathe right I I mean if you are talking about bathing and stuff like that then I'm not afraid lah if you are talking to me submerging in waters that is above my uh onto my onto the brim of my mouth then ya lah I will say I I have a fear of that lah ya


ya correct correct so ya so I, so anything that's above me right I will have actually a phobia of uh drowning ah ya, yeah, I would said that will be my phobia of so far ah ah I'm I I actually have another fear is I actually I'm a I actually scared of lizards ah


, ya the you know the house lizard you know, ya I find I find that very disgusting as well so they are more disgusting than the the cockroaches ah, , ya I mean if they if they removed the tail ah I don't know I I I wouldn't know how to clean it ah


, uh ya and that that that's that's ya something like that lah I mean I really I really don't feel like I can work well with lizards ah, yeah


yourself you got any phobias yours


okay,


is it,


so so so so you you you you were having a dinner inside the cable car itself is it, but it's only ten minutes like that


oh so so so so they serve every time when the you reach a station right, oh okay but uh what happen if you actually needs to use the toilet


okay, so did you have you have you watched anything or read anything that give you goosebumps ah, have you watched anything or read anything that give you goosebumps


spooked ah I I I got, uh ya, ya I I I don't know have you watch this movie in this japanese show called Ichi the killer, so basically there's this uh scene right whereby the the mafia the Yakuzas are actually uh beating these women up


so during the torture right she uh this a bit graphic ah, so so during the torture right the guy actually took a knife and slice off the her her nipple, ya at the exact spot so it was quite a it was a quite a shock when I first watched it ah


ya ya, I I mean I still have the ya, it was quite uh it was quite graphic I mean they bashed (ugh) the I mean base the movie is out of obviously not not real but they they bashed her until quite realistically ah


then towards the end they they actually cut ya cut that part which I think is quite I mean the that part is actually quite sensitive right so to to do that is actually quite extreme ah so that that one actually gives me a bit of a nightmare when I first watched it, ya sends goosebumps I I mean I never knew it was one kind of torture that people actually use it on


ya so if you want I can I I can show it to you another time, , ya is an is an old movie lah I don't think nowadays they actually uh this uh air this kind of movies ah I think it's overly violence ah


okay so the thing is about feelings right I


I think I I even though I actually may I may have hurt people's, feelings ah feelings badly at times right but I think , I I didn't I wouldn't know I wouldn't I wouldn't aware of it so I can't I can't really say whether I


I I actually had this had, I think the blunt word will be insensitive right ya, ya so I wouldn't know whether I actually hurt the person


so do do you have this


oh so, so you you are quite an opposite of me ah I I'm actually not very sensitive , okay okay, ya so


uh can can can, so in a post COVID world right what are the worries and anxieties that you face


okay okay, uh actually in this post COVID world right, I actually has I I actually nowadays I have uh, I have a fear of being to ah maybe


I would say claustrophobic a a little bit of claustrophobic ah so because of all these viruses and germs and stuff, like that right I I I kind of prefer that, there is not much people around me , if like if if if you go to like trains and stuff right I actually don't really like it I will try I will try to I will try to walk to a corner as


least as it can be with people or passengers, because I think the, OCD mind of me will actually come creeps into play that I actually all all all these all these germs and people will actually you know increase my likelihood of getting uh infected lah so that was my


that that's that's a very physical uh anxieties that I have when I every time when I go out lah so in terms of a more long term wise I actually worry like like you lah I actually worry about the future returns of how to conduct business as well lor


yeah, of course it's just how long only [ah]


part two positive experiences, okay uh bro I I let me ask you a question ah what makes you


want to be alive, ya very philosophical question ah


ya so you, you feel the kick when you are you are up there holding the, playing the tournament and actually winning it right


so isn't it isn't, so so it's like so for you it's like the sense of uh that, that validation sense from the public and winning that that validation is actually makes you feel alive in a way right


okay, what makes me feel what I want to be alive ah I think I'm a person who, likes to eat so, should I say uh I think I live, ya I live to eat ya


so eating actually make it ya so actually eating makes me very very very much alive like I mean every time when you go to a new different place to eat and also experience new food experience right , that that sensation that you you the the food that actually gives to you right is actually to me is a jolt of senses lah so it it gives me the feeling that I'm actually I'm I'm still alive lah


yeah I mean every every so for I mean imagine every day when you're working right then is like something that you look forward to , to uh the is a if if if is a meal if is if especially if it's a uh a good meal right it really makes you feel like you are


you are alive lah in in that sense, uh ya I think you you, I think you will know what I'm talking about right


ya ya ya correct correct especially uh, uh I think the best the best one of my best, experience that I feel alive was when I was in japan ah at Osaka you know that crab place ya that that crab place I don't know if you been you been to the the main street


of japan right there's this crab, food restaurant where they serve all types of uh ways they cook the crab, ya that it was one of the best uh, best japanese food I actually had in in many years ah ya ya so it makes me feel like


ya I'm I'm a very I'm a very seafood fellow actually I like meat and seafood a lot lah ya, vegetables ah vegetables not so I I think to me vegetable is just like uh is just like a supporting actor to the main actor you know


you you, no sometimes the vegetable actually brings out the flavour of the of the meat, I mean I I give you an example I think you cook steaks a lot right you need the garlics and the onion to actually bring out the more flavours to the to the to the steak right


ya correct so so so to me vegetables are or herbs are all like the side side, sidekick ah or supporting actor to the main to the main actor


correct which is the seafood or the meat, ya ya I mean in in it, ya you say you say you continue


every week every week no lah every week I think I will I will gone probably every two weeks I will go last time lah not now now, now a bit budget, this this is actually a japanese restaurant


uh , should I ah ya it's a a la carte japanese restaurant so is actually called #shin minori# I don't know whether you heard of it, yeah it's at UE square so sometimes I will go there to have like a good


uh japanese is I won't say is the best lah but it is it is one that actually covers everything that in in one shot in one hour you can eat all kinds of uh ways that they cook in japanese like grill, uh sushi


uh noodles ya in Tempura basically everything in one one shot in the one and a half hours so it's quite quite a quite a good one ah, correct correct actually UE U U U UE square have a lot of japanese restaurants ah uh and also the other one is the Liang Liang court ya


ya, soon soon, soon soon soon let's let's do it


I actually never thought of this question but if you had if you said then I probably is the the ability to, to really eat, and ya I think no no okay I I realise not I what I what I mean is to taste it very well lah


like a connoisseur like that, I mean this is not like a this is not really an actual skill lah but it's some skill that I actually prefer to I will keep it it to myself lah, so, ya correct so because you you see the thing is uh everyone can eat, but


how how well how how you know what is good and bad not many people know what is good and bad actually I can tell you a lot of singaporeans they they they just eat, ya but they wouldn't know what's good and bad, ya


eh ya the like the like the the salted egg yolk uh the I don't know what's what's with that lah but to me it it actually spoils the a lot a lot of the flavours of a lot of food ah , I I mean it's good to have on certain dish but I wouldn't I wouldn't I wouldn't use it because the the flavour is actually overpowering ah I I give you example uh I think the salted egg yolk crab ah


ya actually it really covers the the taste of the crab, ya ya ya I mean you you you you you you do you do try before you you will know that you actually you don't have any tastes of the crab anymore right


you you just basically, ya, correct so to me is no I wouldn't have too much too overpowering ah taste lah but I mean it's people still like ya


correct so I mean is best to taste it while it's fresh mah it's just like when you eat the steamed fish the the chinese steamed fish right you won't add like uh you won't add like extra what


ya correct you you just eat it as a steamed fish with uh just the ginger to kill off the smell ya, ya same lor same same, so, so that's that's I guess my ability lah other than


some useful ones ah okay ya, unwind myself ah ya have have I actually watch a lot of uh


food channels , ya, ya I watch like uh binging with Babish Gunga you know those youtube channels that teach people how to cook ah so I actually watch a lot of that


then also the asian food channel on TV, uh cooking with rachel I don't know have you heard of that her before lah which, you


, ya


correct, or how how they cure the meat, uh ya


ya, ya I watch a lot I I watch like I watch the steaks one I watch uh, !hey! I watched like how the chinese food and and I I mainly I watch a lot of chinese food and italian foods ah ya


preparation wise ya so so that's that's that's uh that's I would say one way I I maybe it's just a way for me to substitute my food that I'm eating lah,


what makes me optimistic about the future, I think the very fact that we are still alive is actually a very I'm quite optimistic ah I mean in in especially in ah especially in singapore if if you notice right, I'm not saying that I support the government or anything lah but if you notice right actually even though we have such a high rates of infections ah uh our economy is actually working quite fine in many sectors ah


and although we are in a technical recession ah you haven't really felt the recession hitting you, uh or impact uh the majority of singaporeans at this point of time which I think is actually a good thing means we are actually quite resilient and definitely we I'm quite optimistic that if we can survive this kind of uh


this kind of uh down uh truck right we definitely can move uh sought higher lah, in the future ya, yourself uh


ya I agree, so I know I know who you voting for already right,


I I think will be my japan trip uh three years back ah ya especially I think I went during, uh after after winter is what summer uh autumn right or, spring oh sorry it's I ah spring so


ya so spring period right which I get to see the Sakura, and also I get to see I get to see mount Fuji lah so the the site to I mean in singapore you you never you never had a chance to actually see a mountain right


so to be able to actually see a mountain ah in a very beautiful scenario right is actually something that I , I cannot I cannot forget lah and it's at at a very nice weather it's not like it's not like in our current singapore weather right, every time you just walk out you sweat already I mean you prep you prep you you prep so nice and wear very nice right but you still sweat in the end what ya so


ya I mean after a while you you have no mood to actually continue your your whatever outing that you want to do what so, I think to actually enjoy nature right well you at a nice temperature is actually something I I I I kind of feel


in awe on on it ah the so I I mean it's really a is a is a totally out of this world experience ah ya, for me lah at least until till now, maybe when I go europe is another thing lah but uh so far I I would say


japan is actually a place that ya makes me want to travel there, ya correct yourself, ya ah definitely man


ya ya


was in, you are in heaven right


I I know what you mean ya ya I know what you mean


ya I agree japan will will it will still be like a year on year thing you can can go


oh ya so, so do you uh , it do you have any moments that you actually feel you are very lucky ah, ya like or you feel you felt that you are the luckiest person on earth


agree agree, me ah uh, I would say I'm I I feel quite lucky, in, that I'm I'm given a lot of opportunities to actually go overseas you know go overseas to study go overseas to actually


experience a different kind of lifestyle lah so I'm actually quite grateful on that uh but if you are talking about the luckiest moments, that I have I think I should be in uh should be is one time in australia that I actually , I think I was ah I was I was shopping then I I I actually didn't realise that my trolley full of stuff I didn't paid for it


I just push the trolley out ya even the security guard didn't even notice that, , so I think that a whole whole worth of groceries I think is about what hundred and fifty dollars, they just let they just let me push that out so I felt


I was quite lucky because in a way if let's say I being caught right I will be immediately be sent back to singapore already, I mean I mean I could pay on the, I I could have pay on the spot but I don't think they will buy my story lah I mean in in the fact that I actually push the cart almost uh almost till to till to our car already


, ya I ya I I mean I have to say I, yeah, I ya , ya, ya but but but the guy is a samoan that that's a samoan ah samoan security guard lah so I don't think he will want to mess


ya, play to your play to your advantage I guess (ppl)


part one financial related topic, so bro what do you actually look out for in a insurance agent