uh yes last time I do have supplementary card for my wife and the children but, uh since I change to a new bank it's only for myself lah uh but they sometime use my card for purchases lah which I provide them the info lah


uh I'm not sure the time that I apply was twenty four K, twenty four K so I think currently it increase to thirty K


uh not sure now how much is minimum, pay scale that they require but I already have one so I don't find out lah I don't intend to have more also because uh if you have more expenditure will be more also I think one or two card for myself with one bank should be enough lah because


the purpose is after all for travelling the most important thing is for travelling buying of air tickets and so on uh shopping is just for once a while kind of thing lah uh for my current account last time I need to purchase something using what you call it uh cheque


and uh I use that facilities for cheque lah but nowadays cheque seems a little bit redundant lah uh but I still maintain the current account for for the purpose of having one lah I rarely use but it come handy in in in that lah


for myself, I don't really look at the perks and whatever but I just know that I need one card


to purchase and so on uh mine is more for using purchasing of uh what you call it, air ticket so I don't really particularly, uh what you call it look into the perks and the interest rate


because I don't spend that much also it's just to buy the ticket and after that just repay them and that's all so I don't really is a heavy shopper for example they would be interested in the cash back the points and the miles and so on


I know some bank do provide miles for travelling and so on uh mine also travelling is maybe not as frequent as a business person, so it doesn't really impact me that much lah so for me that is fine lah as long as I have a card to purchase my


what you call it uh air tickets is fine ya how about yourself


ya have you ever taken a loan before because for myself last time when I was working with my previous company


uh obviously because we are civil servant we could not take any loan beyond our our pay basic pay and uh it's not, one that a lot under insecure loan but I do understand that some banks they give loan like student loan uh


home loan home renovation loan and so on car loan and so on I remember the last time my sister-in-law take up the study loan, from a bank and then uh ya lah for her to buy the computer laptop and so on for study purposes


uh generally I don't readily encourage myself or even my family to take, bank loan because, the interest can be quite high, unless it's for housing which is now under bank loan, there will be fine lah because that's a long term that is considered as good loan good debt uh but not uh loan that incurred


through house renovation and so on lah I think that one I don't really encourage you think loan is advisable


actually (ppc) something about the banking is is that uh you know that they provide uh uh some kind of investment products I was told by my friend that uh some banks they have investment the uh product that they sell like buying shares or even


unit trust and so on uh I think one of the (ppc) sorry uh one of the thing that I heard is about POEMS I I'm not too sure about what is POEMS is all about, but I think it's an investment tools offered by the bank uh I'm I'm actually tempted to find out more from him because that's a good option for me I would rather buy shares


and than uh fixed deposit because uh share would increase, their amount better than the fixed deposit lah but of course the shares will have, risk investment plan will have their own inherent risk lah which need to be considered you need to be little bit careful on this lah otherwise


uh instead of earning you were losing a lot more money than than think what do you think about that


but anyway there's some banks also offered insurance scheme and so on


for myself the I got one insurance policy life uh policy with one bank but instead of using cash money I use my


MediSave special account special account uh money to invest on it lah uh it doesn't makes, uh money immediately in in in big quantity but gradually it's increasing I think that's


one option that I had taken advantage of the as I told you maybe one of option that I can consider would be, to look into more of the investment part lah the unit trust the shares and so on because this is really an option to open up


uh you know income of making profits from your your your your savings rather than keeping it, in a bank with a fixed rate which is not that attractive actually, uh for me if I were to be given the choice to put fixed deposit or buy shares from the bank uh I will rather buy the the share lah because that will be very much more uh attractive to me


uh, I don't have any overseas account although I like you also I think of opening one, for the ease of using the account for travelling especially the country that, I usually travel to lah but I still have other uh banking system or should I say finance system such as paypal and so on to to help me with my uh


my finances when I'm overseas lah so that's is one tool that I already take advantage of and I'm looking through the new way of, doing things, buy Bitcoins but apparently because as it's it's it's it's increasing of usage but


uh whether it's totally fully integrated it will be in future but now only certain uh entities only use Bitcoins but Bitcoin is, is one area that we also can take advantage of because that is a good way of uh transaction lah for me


you you heard about Bitcoins


actually uh Bitcoins is a currency by itself uh


cryptocurrency consists of a lot of currencies one of them is, Bitcoins then you have atrium and so on but because Bitcoins are the main currency people use it inter changeably Bitcoin is cryptocurrency


uh it's like, we using dollar we thought every every currency in the world is in dollars, but there's actually different kind of currency there's rupiah there's baht peso and so on so cryptocurrency also are like that they have Bitcoins


atrium they have a lot more of currencies coming up so all these cryptocurrencies are the use of, eh what you call it like this uh, wallet uh electronic wallet where you transfer all the money in the wallet and then from there whatever purchases you buy on so on


uh you will be deducted of the Bitcoins uh amount lah or you can also convert it to our traditional, uh currencies uh depending on the rate in the in the market lah


uh, there's few platforms that offers the buy and sell of Bitcoins, uh, these platforms serve like a a bank lah so you buy the Bitcoins from them


or they sell the Bitcoins to you you buy it and then from there you see the rate lah the rate will fluctuate but, on a generals uh general plan the Bitcoins, value is increasing lah, so in in in ten years time


if you let's say buy the value as X price ten years time you may go to about ten times of the price and so on so it's a long, term project that can be look into lah if you're interested because but you have to be careful you are right lah


uh not all the people who offered you the the Bitcoins thing uh are are genuine, some of them are scammers and there are a lot in in in in, in the in the internet thing lah so be careful when you want to go into this


uh because some of my friend have some bad experience about it as well and they shared lah but it's a very interesting concept need to be discovered lah


uh sometime I forgot about that and it passed the expiry date lah but I think it's doesn't impact so much because, as I said the cash back or the miles on so on ah the points are not that great ah because I don't really go shopping a lot


neither do I travel like a businessman on a frequency of be a monthly or so on I maybe travel quarterly, and uh is is it doesn't impact that much lah even if I miss the the points because they only have about yearly validity


I want to open some shares lah maybe I bring you along lah when we find out about this okay that will be great because you need me I need you in a one way another okay okay okay bye bye


part three negative experience, uh good


okay uh when is the time that you feel that nobody cares about you


uh the one thing that I feel bad is in my previous job lah uh there's no real teamwork and uh


there's no coordination there's no cooperation and so on, uh it's more like cliquing and and the worst part in leadership we are supposed to encourage, our subordinates, encourage them to be better and so on but instead of doing that they're


ostracise people who they feel not part of them, and as leaders who behave that way I find that's very disappointing uh as leaders we are we supposed to be care we should care one for one another including our own peers and our subordinates because we set an example for it for me that's very bad and I feel very


uh down at that time but that's one of the major reasons why I left, the former uh setting to be in search of a new setting lah uh I always felt that, I always felt that we must always encourage people to grow to progress and enjoy


the learning process lah but instead of having all that they ostracise people who are not of their kind in their own flock and, that is very something I feel very hurtful as well and that's something that I would not forget lah uh it's heartbreaking because


you you don't have that similar mentality mindset and it makes you feel that you are not part of it in a way like you are being ignored and so on lah so that led


the feeling led to you having a, negative impression of the situation, that's somehow pushes you to go and leave the place, that's the consequences of, a negative feeling if it's not being handled properly I mean the working environment lah I think that's why working environments plays very important part because


we spends the big, chunk of our time at work, sometime more than we do with families, uh to be in a negative setting really upset me that sense lah you agree on that


you mean some words that can hurt the feeling I think one one way of


words that can hurt you is that when people start to belittle you lah when belittle you as a person or even your capabilities, uh that shows a lack of respect for yourself


as a person and uh I always find this thing, very unnecessary and I don't really like that uh even in the form of jokes sometime it can be very hurtful I don't really fancy that


uh I rather says that, we should not behave in that way lah because there's the feelings that you get from those words of belittling ah can be very damaging you never know what words really can damage a person in the long run


and how much that can uh can cause, uh psychological or emotional damage to that person so I always feel that these words, can really be damaging especially if it comes from the superior down to the your your the subordinates ah uh


if I really one thing that really wish that I could undo in the past if I can ah, is that I will interfere more in the setting that I I was lah, even to the extent if I have to


get someone to be out of the place, I would have taken that step lah, because it's it's someone in leadership when you identify someone being unproductive in the sense of not being a good teammate and so on and they need to be removed


I would say now it must be removed lah because it become the toxic if he, he remains it will really, uh in fact the culture to become very negative, ya if I have if I were to be back in the old setting I will do that lah


uh it's not it's not killing someone but it's a move that is necessary to protect the rest of the environment the workplace the people and so on who really want to work, for the real decision of it lah ya I would not hesitate now lah if I have to it's a hard decision tough decision but sometime in life we have to do some tough hard decision ah


ya but the thing is the the thing about the this negative feelings it really sometime bothers a person psychologically emotionally even at night like what you said lah


at night before they sleep this thing keep repeating in their head even in their heart, uh this negative feelings will forever play, be playing in in in their mind lah, uh to an extent sometimes it become


a grudge, uh uh and anger within, uh if that person don't have, and never knew to let it go, it it it becomes something that they will hold, in their life for a very long term lah that's very damaging because the person


behaviour may change due to that, and how severe it would only the person would be able to understand it lah uh so, once we we encounter this negative emotions environment and so on


it really does that damage and uh one one thing that a person in this negative environment or experience would feel ah they would feel that the whole world is against them and they are being treated unfairly


uh if this experience is exposed in the long term they will have this prolonged mindset prolonged paradigm that, the world is always a bad world that is always against them and that somehow alter their behaviour pattern their thinking and so on


to become negative towards a world uh these are some of the experience I myself go through when I was, the previous uh setting which I felt was very unhealthy and that's why I


after all the while of long waiting postponing to leave I finally left and get myself into new environment, uh nobody want to be in a negative setting for sure lah uh it it can do a lot of damage to the person or even the person who are affected as well


uh ya I don't I don't really fancy that it it's quite disheartening lah


ya but one thing that I find that a lot of people have difficulties to to cope with is when they are treated unfairly I felt that that's that's one thing that


make really uh make makes people really down lah when they are treated unfairly uh this happen especially when superior don't really listen to both side only listen to one side, and a prejudgement is already being made about the situation and that can really cause mutiny a a little bit of uh open defiance and so on uh to me to be treated unfairly is one quite


difficult situation to deal uh it can really damage relationship long term relationship and it's wrong uh, I felt one time also I being treated unfairly lah


uh, it it caused quite an anger in me lah, and sometime be out of that anger ah it it spill over to, other people who supposed not to be the wrath of my anger but it happens uh it's quite difficult to to contain that emotion actually when you are being treated unfairly uh


uh I think every human being want to be treated fairly but once they are not treated fairly, not given due uh time to be listen or to be understood, you will feel very down lah very down actually


, I cannot be specific of the example but there's one time when I feel that what I did, was actually to help my friend but my friend somehow or rather do not take responsibility and push whatever outcome of the consequences on me I felt that is very unfairly lah


and uh I was helping him he's supposed to be appreciative of my help but instead of that when things go wrong he wash his hand and put the blame on me which I think (ppc), it's quite unfairly quite unfairly lah and the superior would look into the matter doesn't bother to find


the real cause of it and then just listen to one side and then get the blame I think this is very unhealthy and I, feel very down on that also lah you face the similar situation


uh one thing that I don't like you know the trend at work workplace is clique lah to have clique uh, to have small clique of colleague who are in the same hobby same interest is fine but to have clique


as in grouping, against some other people I think that one that kind of clique is the one that I don't really fancy lah but somehow rather I see that this kind of clique


happening a lot in in work, area to an extend that it become uh like a favouritism treatment and so on those who are within the clique are given that treatment that, positive treatment while those who are not within that clique are being uh


look over and I think that's that that kind of treatment that kind of cultural thing is something that I don't really fancy I think everybody should be eh look upon fairly equally, uh without favouritism regardless of whatever uh background of the person is lah they should be measured by their own capabilities by their own merits not on the


on the uh on the basis of favouritism and so on uh these are the thing that I don't really fancy at at workplace but unfortunately these are a lot of things that happen in workplace uh, is one area that I really like to be able to improve is in this portion lah to play an active part


to ensure that the culture, cultural thing in the workplace is that everybody is treated fairly everybody is treated, equally uh not being fancied as some with favouritism and so on, uh I think this is


what leadership is all about lah ya we should not do that because the negative feeling out of it can be very damaging as I said as I share earlier just now


part two positive experience


ya again hi


okay, as a child I stayed in a village in a Kampung so naturally as a boy growing up in a Kampung environment, nature's nature plays apart in my uh growing up lah uh so something to do with nature would make me the most happiest


even until today uh I like to roam in the bushes the jungles, uh we have stream small stream in our Kampung uh you know then go into the, wild plantation get some fruits and so on so these are the thing that excite me until today I still like to go on


the outdoor activities hiking trekking partly because of this uh experience when I'm in the uh when I was a child lah, uh ya I like that very much and uh, for another reason is


when I watch documentary movies, documentaries are something that I loved watching especially something about wildlife and so on, and if you ask me, connected to all the happiness that I have as a child I would love to be able to visit africa because that's my ultimate goal of


of travelling lah to be in africa any part of africa to see the wildlife and so on what's what's about yourself


(mmhmm), ya actually a lot of happy moment uh for myself


comes when I am on a a a travel lah travelling make me very happy lah and uh, that's something that I felt luckiest, when I'm on uh be able to go uh travelling


and one travel experience that very excite me till today, is the time when I go to Papua in indonesia part Papua is a new uh Paua island is is divided into two one the eastern part is under #papua new guinea# the western part is under indonesian province


the one when we visit is under indonesian provinces and uh, that's that's a dream for me to go there, since childhood and uh for me to be able to go there with my family is the best experience ever lah actually uh that


is actually the beginning of my travelling experience throughout until today lah it started off there with my family I bring along my child for a trekking experience there the child was our our children was about, six and seven years old respectively the elder girl seven the boys


six and we had a lot fun over there uh experience things that we never before, uh ya I like to travel and if you ask me what I can't wait is I can't wait the borders to be open again


to travel and to hike again uh this is something that I really look forward lah how about yourself


ya but now if you are a millionaire there's has no use lah because the border is shut you can't travel but if I were a millionaire yes of course the biggest bulk of the fund will be used for travelling ah


and along the journey uh I like to be able to spend uh a portion of it also, to help the people that I come into contact lah because I I believe in charity uh we should help those who are in need of help uh generally singaporean are are well to do


uh of course we still have people who need helps but as compared to the people in our region alone, uh there are people who are who need more help lah so along the journey uh throughout my travelling if I'm a millionaire


ya I would I would I would won't mind to drop a few, shares of my my my my fortune to help them lah because I believe in giving back so what I have


I would not hesitate to give back to those who are in need lah, because when I was having some difficulties I remembered two or three of my good friends who are willing who are ever willing to come forward to help me uh it struck me to remember that because


you'll never know that some people who really need helps and for you to be able to give back to help them uh that's I think the the biggest service you can do in in life lah


that will be great lah I I also love to travel in that way in fact I like to travel in both


in in all kind of travelling lah seas air train rail and so on lah uh I intend to do one travelling adventure from, starting out from uh singapore to thailand and then from thailand, take the rail all the way to europe


uh if I'm a millionaire I would do that lah, be on the road on the rail for a longer period than I can afford now, that would be the ultimate dream as well uh and of course if I go there or or should I say more on my travel I will not be going alone lah I will have my family because


my family is the biggest thing in life lah they are the one that make me happy uh that is the something that I really appreciate much lah uh, I would rather have nothing but not them lah I must have them than anything else lah so family is above everything for me in a sense ah


for myself the surprise more of I giving surprise to my wife when I go travelling lah some special uh dinner together and so on, uh that's the surprise I give lah instead of me receiving the surprise I guess I guess that's a part of it ah uh the biggest blessing in my life if I can tie that up is


leaving my previous job ah after after many years of doing the same thing I finally left the job twenty two years and now I'm in new industry which really related to my hobby


hiking and trekking so I'm doing that now uh doesn't pay much as my previous company but, at least it it it it it it makes me happier lah to do something that I I enjoy and I I love lah, so the the blessing in disguise is to to find this when I left my job lah it was not easy but with the help of friends who really come forward to help


in the initial part uh we manage to pull through and now, I'm I'm might I'm glad to say that happy with with with with what is going on nowadays ah and yourself


the present present job uh


I don't have any low points uh as the very low, but I do have few friends or few colleagues teammates we actually had made to get a transfer to another location nearer to the house lah, uh they really push for me to be transferred over uh which I appreciate lah but these days is more of me sharing my working experience with my younger teammates ah uh is is me who giving the help as what I receive


when I was new in my previous job so as I I said I always believe in giving back I've received so much so now it's time to give back in term of my career and in term of my knowledge my skills and whatever, is this is about the time to give back to the teammates


as well as other people lah so to me that's more important now, uh ya yourself


so, we have but, unfortunately I cannot share over here because it's a little bit crude because guys are guys uh we we sometimes speak in a in a way of uh have to be censored lah uh but of course


uh the one good thing that uh among our friends is when we gather we talk about football uh because we are all football fans so we're from different supporting different clubs so there's a little bit of bantering between us lah so between I'm a Liverpool fan so


we bantered with with one another for those who are in the man U club and so on lah so, this bantering sometime is fun lah because we tease one another but it should not over overboard lah because sometimes instead of that happy moment ah it can create


offending moment for some of us, but overall is is when we do go out with friends and so on we talk about our, I still keep in contact with my schoolmates, thirty years now thirty years plus now so when we sit down and talk we talk about


what what we what happen in school last time and so on lah uh, for that sometime we sit down and we have some barbecue and so on lah uh


ya of course we have tidbits and so on lah uh food like barbecue uh I mean meat I like meat lah meat so much, I prefer asian food than western food so most of the time when we come and gather we we have asian food more than uh the western food lah


you like western food or asian food


they always find me wise lah I guess that's something that I, you appreciate lah because, uh as a person I always feel that we must have some, some content within us lah uh not just an empty vessel lah so to be validated as something someone wise


it it really is a nice thing that I I really appreciate lah, uh it is pointless to be, good looking but, when you start to you start to open your mouth you don't have anything wise to say uh to me wisdom is much more important than anything else than the outlook lah


part ya part one finance


okay , okay usually right , okay I've never really uh, oh god


, okay do you do you know that uh of days like financial, wait, no it's more it's not really like , no no no


oh no wait Zakiah, can you answer that question first cause like my my


oh this is a bit different from my, I mean


mine instead of like savings from you know eighteen or someday it's more of like, you know see whether you can afford it or not cause, ya I never really thought of that it you know start start saving at eighteen it's more of like , you know don't rush like you just take your time and like because you know


like for example starting a family that's like you know other than financial responsibility you also have like, you know there's the there's just a lot of responsibility so, ya and like for like buying a car or house I mean


that that's not that's not, so like ya that's really really expensive especially like if you look at I mean if you look at it in like singapore while you know, like okay I've never really buy a house or like my parents don't really move so like I don't really know how much but from what I it's like hundreds


hundred thousands and stuff like that and like forecast you still need to ya basically I don't think yes so like there's just a lot, to pay ya so ya so like just take your time you know


ya sure sure , , okay so you know cause like


okay so you like you know you said like at eighteen people should start saving and stuff like that so on on that note right should I like you know make up my own saving schemes like that kind or should I like get a financial adviser to plan my finances


(mmhmm)


ya that's true that's true, ya I mean I agree with you too you know, ya but like it's just you know sometimes you just don't you just can't help it but feel concern cause like


you know okay for appropriate , because for me right I feel like, yeah this one lies more like your, discipline cause like if you wanna save money and all you need discipline and like not a lot but not everyone can do that so like if they really cannot save if they try so I mean like ya you can try you know do DIY first then like if if they really really cannot like


you know control how they spend their money and stuff and they should like refer to like someone who has more knowledgeable in though, saving ya in the field yes


right, so do you think you should own a credit card


okay I feel like, eh honestly there's there's a good and bad on like owning a credit card I mean like easy cause like


okay not okay wait how say I think okay I think like, yes uh you okay wait wait hold on hold on okay I feel like it's better for you to like own a debit card rather than a credit card if you ya because like as I mean credit card


like you pay first and at the end of it at the end of the month then you get a bill right, it's different from like debit card where you like, whatever money you have in your account then you just pay in a way like you know it kind it kind of like control how you spend cause like credit card you know that cause okay you know how there's like a lot of cases of people who has like high credit card loans and stuff like that


because they just don't know how you know they just don't really like think of how much inside their credit card cause like unless they set it to like a limited amount, other unlike like debit card you know you see like example you have two hundred and then you spend like ten dollars then you will have one hundred ninety like you can't really


you can't really have like a lot honest you top up your own like that so in a sense it kinds of controls a person from spending that kind yes


ya so, ya


where hold on ah you know like okay so you said you kind of like overspend right, so how does this you know this COVID situation like what changes are you making in terms of spending of your spending and saving habits


uh okay you know before COVID like we can all go out and stuff like that, I find myself like, okay I was like looking on my bank account and see what I spend most on it and it's mostly food cause like you know you can just go around everywhere just eat for friends but ya I mean like after this you know this COVID thing happen I just


ya it just like stopped going out like a lot, like just say once or twice, ya like in a way like, okay other than you know it's just not good to like go out I mean okay ya it's not encouraged to go out right it's more of like me also like saving my money like yeah because I just generally I just don't do take outs


I yeah I don't like take Grabs and stuff like that I'll just use public transport cause like student is cheaper right , yeah so I just, I really really cut down on the food and since that I don't, I don't online shop


so ya, so it really said I really like you know just cut down all my spendings and like you know since I'm still like schooling like after like I go to school I save like, thirty percent of my


of my you know what's that pocket money since like, ya since and which is like a lot lah cause if you before COVID I just spend ya you know I I don't even know how much I saved it's very very little but yeah it's a huge improvement ya


okay , my goal is just to save as much money as I can


ya and it okay for how I how I save my money is that you know when I had when I get my pocket money cause in a way that's like my only income, I like set aside like thirty percent or forty percent of it and like keep it you know so I so like what I'm left with it's just like


I don't know like, twenty percent left away no actually yeah you know I keep okay I keep like a larger a larger sum of money, like aside and I only keep like a remaining like few dollars so I'll try to like stretch it in a week


ya that's how I save it it actually works because like I saw this online where someone said that you know the best way to save, the best way to save is to like stretch your money through the week, okay they said like tens or twenties you know like


like double digit but like ya since I don't have a lot lah I just stretch whatever I can ya, I don't have a question so what about you though


(uh huh)


(uh huh), ya, ya interesting


uh, so you know the the I mean like since you are students and we don't really have enough much money in that sense wait no actually actually no I don't I don't think it is suitable but like


what are your personal insurance like would you would you I mean like would you sign up for insurance now like since you are student, and like ya


ya honestly same cause like uh from what my dad told me like we have like this, , education education insurance thing I mean I'm not really sure about it yeah where he tops up the money and like in the end after like


few years like it ya that's why he told me and like, okay ya you know like I said no I'm still a student for like, you know I don't handle this insurance stuff as well but like maybe in the future I might consider you know applying for insurance


like , I it's more of like okay I would like, apply for like those health insurance and stuff like that, or like, ya I may consider lah cause like you know we I mean I know that singapore like we have to like have an insurance right the basic insurance for health ya but maybe you know if I have some extra money I can do that too you know just in case anything goes wrong like you said you know for like your flight ya


ya (ppl)


part three negative experience


uh Zakiah, you you know you know just now you know just now you talk about like you know you going to umrah right


yeah speaking of like in our travel and stuff like that talk about your worst travel experience


right, ya honestly same it's not really like worst experience more of like bad experiences or bad moments cause like you know when you when you travel with others, okay you know like you know okay I've never really travel alone but like but like you know that you know if you travel alone you just do whatever you want


which is like ya it's just enjoyable for you but if you travel with like others you have to like consider others like he you know it it can you travel here can you what do you want to do and stuff like that , which I mean like ya it's not really worse but it's kind of bad because like


sometimes like you know you have to like wait around you know you have to wait for them like !hey! okay uh like you know for example like, planning like !hey! let's go out at two thirty and then like some people will always be late, and then like you know drag until like what you know fifteen minutes later and like you know I mean it doesn't it don't really happen like once it happens like you know throughout so like you know you can just like cut down I mean yeah you know you


you know we've gone for like three or four places then maybe like because of you know all these delays minor delays you can just cut down to like one or two, oh as speaking of minor delays you know sometimes like you just come you know sometime like the hotel is just crowded if you want to book in and then you have to wait so long ya this kind of like it's too right


ya cause like you know waiting not my best you know patience isn't my strongest suit ya , and like what a what's your biggest pet peeve


you know something that annoys you the most


right right because instead of like you know because they might be talked they might not be talking to you but like instead of like you know just affecting them and like whoever they're talking to they're affecting like everyone around there around them it just annoying ya I feel you


right, okay, yeah honestly it's all like minor things like, okay loud chews


loud chews you know when you chew your food and it's so loud , alright like I mean like, honestly I just question at why like why would they want to like, I mean okay I don't I don't know if it's like a controllable thing or not but like why do you have to like chew so loud when you eat


you sound like you know like you know orchestra like some instrument you know like just like, like ya ya so , okay honestly yeah yeah it annoys me so like what I usually do, is to just like don't eat with these people


cause I really can't stand loud chews just annoying, and like speaking of food what popular foods do you dislike and why


in singapore ya, right, my family likes durian oh ya


I try to like eat it to like you know I try to like like it because you know you know you never know if you if you keep on trying them maybe it will work for you know maybe I would like it but I just can't


(uh huh), no


, yes , where ah


!oops!, okay so , honestly I don't know man durian just sucks, ya even if they say it's sweet and stuff I just it's just taste bad you know I don't taste a sweetness


okay so what what do you believe in when you were younger but like not anymore, alright if you want to like skip it we can you know it's okay


(uh huh)


!whoa!


right


yes understandable yeah, yeah, oh


it's more general, but like , well okay cause okay from what I see right you know when I was younger events just like, uh you know problem free


like you know okay maybe it's because I'm like naive or whatever but like you know you just look at people and you don't think that there there's any problems you know you know your your world view is just so small and stuff like that, but then as you grow up then you you know you face all these like issues more of like you know like okay


you know for like personal wise you know you can experience friendships but back stabbings and whatever you know that kind of stuff and your family also there's like issues so innocence, it's more of like you know when I when I was younger I believe like


they used to be like no problems in life it's all problem free once I happy and stuff like that and like when I grow right yeah and when I grow up then it's just like, yeah it it's just not what I expected and that really sucks cause like oh no if there was a better place at least you know it's it's better for everyone lah cause like you know ya you


you know that you know that minor contentment, yeah I mean like it really it really really helps like a person you know go to go on with their life, stuff like that, ya


, okay, how to say ah, I've never I've never really heard like you know personal personally like you know I never really you know, okay like it's not I don't really have like and sorry sorry I really I don't have like a moment where like people come to me and say things like you know like looking down on me


but I've heard it from someone from others like that, ya and which is which kind of sucks cause like okay because it is something to do with my education right you know you know how different people have like different paces in, I mean no ya and then like just because ah I you know I take like longer time to like you know to


ya to go through of my education life like that so you have to like look look down on me cause like, you know I just don't do things like you know as fast as them you know or like similar which is which kind of sucks really cause like


you know especially cause you know okay maybe like around this age or maybe like few years ago, you know like around this like teen you know when we are like teenagers, you know we we kind of we kind of tend to like let a lot of things affect us


which ya really sucks lah cause like you know personal, cause like you know how I grew up you know it's kind of like mostly in a dependent dependent on these comments which isn't really nice, like ya that's about it lah but now what about you though


(mmhmm)


alright


yeah true true, okay you know since like, no we're all kind of sad , uh is there is there like one thing you wish you can change


oh but I did some spare but ya do you is there one thing you wish you could change but will never be able to I'm so sorry , only read the first part


mean like oh


also like change is from change comes from reading right, you can't really change a person the person has to like make their for to change himself ya


ya true true is it , is more of like my decisions , ya cause you know like I say I mean like the decisions I made are like what you know made me you know like take a slower you know my education isn't as my education path isn't as smooth or like fast going you know


ya I feel like ya I I would I would change my decisions you know like you know be more hardworking be more consistent discipline ya because like, you know if only I you know know what's going to happen, if only


then you know I wouldn't have taken like lightly about it you know, ya that's what I would do with you know, so ya


hold on ah, okay so you know what about friends you know described what time when you enter a friendship or relationship with someone else and why


oh, so it's not really a friend anymore lah if you get injured, right, ya


oh that's cool, , okay honestly like I've kind of, ended friendships like you know, throughout is that okay it's not really


okay we don't officially like end the friendship is more of like you just like, distance and like , ya that kind and uh is mostly because of, ya okay one thing because okay this mostly happen in my primary school so like you know it all happen it would happen mostly because of like the different


class you know classes cause you know like in primary school like every year they will like venue !hey! go to this class and stuff like that but like , I think the one friendship that really really like I know it ended was when


oh no they were like making use of me, ya because , okay this this this is really like okay this is really like some kid stuff, but like because like they were using me like you know for my money okay I wasn't


okay I I was okay like you know just I said earlier that I wasn't really my family isn't really financial stable, but like I'm quite generous in that sense, you know like I would do things you know for


for people like I care about and yeah they just use my money no I just like spend my money or not like on them which like ya there were there were pretty minion stuff like break it off


but ya okay this yeah, yeah, oh no, okay okay honestly it's actually my childhood


serious like I don't really talk much about my childhood because ya you know I mean like I've mentioned it's not really , ya you know like the money wise is not that much you know and like yeah it's just it's just sad life I like reflects so like I tend to like not reflect on it you know


ya because if not I will like feel like crying I don't know why ha ha okay no I know why but ya what about you though


part two positive experience


okay so what what do you love about life


right


ya honestly ya it's it's all about the freedom to choose to like make your own choices ya that's lie, ya that that's really something to like appreciate and love about cause like ya easiest it's just nice okay I mean like


ya ya okay ya, okay , oh my god I have like a hamster


ya who I like really really really really really really love ya it's adorable and like, okay, ya honestly honestly


I don't I don't really you know what to say when I talk when I talk about for memories but I just, okay I do I do know man I mean it's just it's just my initial reaction like when I see the hamster I'll always like oh you know


it's just, it's just that you know I think that's like the phone but other than ya it just like ya I really don't know how to explain like, about the hamster, but ya and like


I don't know man I just like take a picture of it and then I'm like oh you know from time to time I think like ya that's my fonder because just so cute ya what about you though


so , okay that's okay since it like , , talk about your ya what's your favourite food childhood food or like snack


oh that, (mmhmm)


oh


okay I used to eat this chocolate thing you know it's like, it's shaped like an eight or like you know a mask ya and the colours ya I just like that's the only thing I remember from my childhood because like


ya there used to be like a shop that where they sell like old fashioned food, it and like snacks you know that kind, ya and like, (uh huh), no I I don't really like the taste


right , then you know speaking of food what's a comfort food that you can always rely on to cheer you up


(uh huh)


so it's more to snacking, so it's like snacking, ah


, I don't I don't really have a comfort food to like cheer me up ya I'll just like do some other stuff like you know painting, cause ya


ya it's just more you know the, therapeutic ya it's just like calms me down better it cheers me up better than like food does so ya, okay so you know speaking of painting and stuff what is a okay what's skill are you like secretly proud of having or like an ability


!whoa!


, amazing that's really that's really interesting that's really cool leh really really good you know ya gotta keep fit


mine's like I don't it's more of like me being ambidextrous no I can like write with both hands, ya I mean like, okay honestly the reason why I are like, okay I mean like I grew up mostly with a right hand even though I'm I started off with a left I'm a like left hander like that but the reason why I decided to like continue is


I don't know I just I just got this fear like in case you know I injured my right hand and I can't write I will start my left hand like !hey! I guess the right ya , basically ya that's the only reason why am I, I practise on there and like yeah I'm still proud of that


no it looks ya I mean, okay honestly my hand write my handwriting with my right hand is already like kind of messy


left one I mean like the left one ya you can you can read it it's just yeah, ya you you can read it ya I I feel like as long as you can read it it's fine cause like you know in exams and stuff like that, they wanna see what I'm writing right ya


and you know, so what's your best birthday present and why


what was your best birthday present and why


right for that, it's more of like okay this may sound materialistic and like different but like when I was six like I got like this barbie doll set, ya because like I mean like


I feel like that's my birth that's my best birthday present because like at a young age I mean my family isn't really that you know isn't really like stable in terms of like finance and stuff like that ya, and so like you know to get to get like you know a barbie doll last time it was I mean like it it was I mean barbie doll in general is just quite expensive right


ya so so to get that I mean which is something like I can you know not like just go to like the mall and get it one day I mean to get it it just means a lot lah yeah especially you know since your child and your love toys, ya


the barbie what, oh ya right


, oh no my dreams, okay uh although say even at this age I'm like still like thinking about it I don't I don't have like a specific you know dreams and goals cause like depend on my situation it may just change


ya but okay I feel like, , I don't know I guess it's just for me to like be happy I guess


because like ya I mean at this age it's just, ya life is just really okay ya as much as you know life has like good and bad I mean at this age you know where we're studying is just like, it's just really tough and stuff


ya there's like so many things to do, and like, you know you hardly have time for your own self right, ya so like I think at the end of the at the end of the day like when before I die I just wanna be like happy you know like content like you know look back and be like


oh my oh !wow! like you know I'm happy ya, finally that kind, ya, so what about you though


oh yeah


(uh huh)


right ya financial is always like the main obstacle you know, to like achieving you know the life will want, ya sure sure


ya ya, and then like you know since okay so so you know you know like the world's like changing, like okay I‘m do you know the term VUCA world


, I have I forgot, ya so like you know, seems like the world changing and stuff like that you know you need to grow and stuff actually we without without the world changing you also need to grow but ya so like


okay why don't you like okay tell me like about a time where you experience personal growth , ya


the uh faster growth is , okay yeah like you know I kind of like grow throughout okay wait no it is just, yes I will


okay for me it will be more of like, you know like, no my attitude and stuff you know from inside ya I feel like the one I would talk about would be like patience cause like you know patience isn't really my strong suit


ya like, , okay this this is like a little tough, ya


can we move on , I'm so sorry, okay uh this may sound a little cheesy, but like I'm thankful for having here my friend


ya cause cause you are like, , okay , basically like you know I'm like struggle of like


my family and my friends, like it's not you know I'm like, I'm not like you know , okay basically like I'm I'm just you know thankful for everyone like around me cause like you know they're always there for me and stuff like that ya they never give me up


part ya part one finance


sure no problem okay so I think personally for me like things like get uh starting your family buying a car or even getting a house right everyone should have started uh saving from like late teens or even early twenties especially after you started work


because I feel like down the road everyone, everyone might have like that so called dream of, you know having like all these big ticket expenditures right so I think unless you were born with like a silver spoon and you can afford to get all the stuff


like whenever you want it then I think you're lucky but if not like it's best if you start saving like from from the age you know early twenties after or after you start work ya, then down the road it'll be easier rather than having to save such a large chunk of money in a short span of time and you can save like a small portion over a long period right ya


okay what do you think


true


pay the COE right, true true okay


then should we go on to the next question, you want to pick


(mmhmm), okay I met like no I feel like it depends on the person because financial and if I say usually like


not all of them, I so called like free so you might need to pay right and then, oh you may need to pay for your services or the services that they recommend , and I feel like is is really up to you whether or not you want to do it or not like you know you can also support DIY there are a lot of like free financial advisers available online and like some of there's there's a thing like advisers taking okay not just on google but also on social media accounts such as


like this IG account instagram account, the work salary man the simple sum, or not like websites like money sense or even banks etcetera ya


so like you I mean if you refer back to all this , so called like resources that you that are available widely available now I think you can you can find out, you can get all the like so called, simple advice is that you can possibly get and majority of them I feel like I decent enough even if you don't meet like an actual uh license financial adviser ya


(uh huh), that's true


the field yeah yeah that's true I mean like you can always seek financial advice if like you said if a person is not discipline and then at the same time like don't just go for any random financial adviser I feel like in singapore it's somewhat regulated you can also uh you can check for license financial advisers


to the monetary authority or singapore website so ya, I mean why not


, actually I have I I don't really know what what what do you think


, ya like I mean on on that note I feel like credit card , I should based on what I read uh quite a while right they say like credit cards, I mean to a certain extent it might help you cause like you know how to say is like basically like loan like how to say borrow the money from the bank to pay for your expenses when you don't have the money right but then like you said it's like


there there's all this debt that people can record and down the road if you don't paid after a certain period of time like the interest and what not it'll be is it interest is that interest ya it'll it'll pile up and then I think like if you're already have either stuff like subscriptions for


I don't know like media services etcetera or even like house bills and all that, I think it will it will be a hassle especially if you don't have like a high paying job as well if your if you use a credit card to pay for stuff that are probably over more than like a few thousand dollars also


ten thousand or I don't know but yeah I it'll be tough so it's up to to to a person whether or not you want to get a credit card but for me I feel like , having a debit card is fine because some days I feel like I tend to overspend so ya


, actually has nothing much I feel like it's somewhat, uh it's the same pre or post COVID , because like I don't always spend a lot of money but if I do I think now especially because of the COVID thing I realised I really I really manage to like


save a lot more than I did before COVID because you know how there's all these like restrictions right, and I feel like that way like I'm too lazy to like entertain all that restrictions so I'll just stay at home and rarely do I spend it even on takeaway food I actually like you know


save a lot I like for transportation as well I always allocate money from my transportation like to top up my EZlink card etcetera or even Grab if I need to take grab , so like I actually save quite a lot on that in even like food expenses because I don't always like eat out


and then apart from that as well like I don't shop I rarely shop even like the online shopping all those sales I I didn't get tempted to get everything so in that in that sense I feel like , there aren't like any


like major changes lah in terms of my spendings or but saving habits saving habits wise I think it's it's better ya how about you


(mmhmm), same


daily expenses or pocket money


okay lah I think we can talk about like this next question do you have the habit of saving how do you ensure you meet your saving goals, do you have any goals, saving goals any


ha really, okay


actually I sort of have a habit of saving , my family usually say I'm a cheapskate because every time I go out I, you know I mean I don't scrimp on


getting just cheap stuff if I get things you know I make sure that whatever I get also is like worth the money, not just because it's cheap like I I do get some expensive stuff from time to time but that's because I feel like it's it's worth like the in so called investment you know is worth the money I'm spending it on and then I feel like


so in in terms of saving , usual like my income is not like a steady stream usually it's my bursary money what I do is I I will just allocate enough for my needs and then the rest of it I will allocate accordingly


for like I I actually have a portion I save for like future like for the education and then apart from that as well I do have a sum that I keep for like rainy days so called or like for emergencies and then a portion of it I also save for like


anything I need to get for like gifts etcetera and then my food budget my transportation budget etcetera and majority of the time I feel like , like no actually these days I noticed that I don't always like overspend


and and I follow according to like my budget and only if I if if necessary then, I will use like so I'll take on like my so called emergency money , ya but I didn't really I feel like


my saving habits are fine and, as for my saving goals whenever there's like extra income, I would channel it into like my, uh so called


amount that I keep for like my further education especially because like you know education like if you want to further your studies in singapore, it's expensive if you can't if you can't get like a scholarship etcetera right so ya


so ya, those are just like some stuff I save up for so ya


(mmhmm),


like okay like just occurred when I feel like I would say I I don't, know uh much about insurance like usually my, my dad I think will settle all that but based on what I know I feel like if you can afford like some minor insurance like you know I've I've ever I've ever travelled solo


to KL although it's just KL but I applied for insurance at that point of time so it's based like something I know I might need because you I, took a plane right and you know some people are always like paranoid about flying in an airplane right I were travelling in an airplane


but in that case I feel like anything wrong that insurance sort of helps and it guarantees that if if ever the flight gets cancelled et cetera like if it will help and I can get my money back or I can you know and I can use it to book another flight, you know in that sense I feel like those are stuff maybe I would I would go for uh I would apply for insurance but if not


like like longtime insurance like for a health et cetera I'll just leave it to my dad for now how about you


(uh huh)


part three negative experience


okay ya , ya


ah ha, , honestly speaking I don't think there's like any, any travel experience just like bad like a really majority of them they're all fine but I think I were to say about like


a a travel experience is bad , I think it's just like the minor minor stuff you know I remember like fighting over, like the littlest things with like my family whenever we travel and then after it's like I can literally stop talking to them and then it's just like


like hard because you don't get to enjoy like the the holiday when you're supposed to be enjoying things you know you just because of like a small matter and then everything just goes like down the road afterwards yeah how about you


, okay, previous pet peeve , like oh my god uh one thing I really hate is when you know it's like


any any situation and in and in any situation is like it's everyone's like serious you know and then suddenly you got one person you just like, not being attention and like not like literally oh my god like they will do anything except for like


listening or whatever you know you are even supposed to be quiet but these persons either on their phone is the person on the phone or like persons like talking even though it's soft, can you like just keep quiet like they think it's soft but it's not soft like that annoys me because like during lectures especially I have friends who whom who will talk while the teachers like talking and it bugs me especially if they sitting beside me and they trying to pay attention but they're not it's like


like that's just annoys me, oh my god !wah!


ya, like if you if you not able to like shift your position to some other place then it's tough because you have to tolerate all that but then if not I feel like


ya I just gonna like try to focus as much as I can, do you have any pet peeves


loud what, oh like when they chew their mouth open also


ya


is durian consider a popular food I don't like durian, I cannot with durian it's like no , but


really uh my my mum likes durian I cannot


ya I can't eat it either like some you know some durian actually a a it make like a smell that it has a smell right somewhere then, they're not strong and I can tolerate it but then others like if they're too strong I I will like like start to gag like I cannot I will want to puke


does it happen to you also, oh lucky I cannot the smell is just like horrendous


this is tough , oh I mean okay I talk I can talk about one thing, I always look forward to like when I was younger like oh setting of family you know having an kids then then marrying someone but then like I mean of course like my family issues


etcetera I feel like nowadays especially, like the thought of marrying is not there, not at all like I remember some like a friend was I always uh Zakiah like oh you want to get married right I'm like, and and like my face is like


no like literal uh like I was like, you did not just think I want to get marry like that's not true like I don't and then everyone a shock because they thought I might that I had the thought etcetera but as like no this no I don't want to because and and and


this is not to say like I I hate guys or whatever , it's just cause of my experience growing up like I don't have like a good, view point , you know cause I'm in families uh my parents are like going through like stuff ya


so so ya like I I just don't want to no I don't, like maybe down the road I'll see I'll see how things are but for now I don't want to, and I just like don't believe in all that, all this marriage stuff ya


do you have any


(mmhmm), (mmhmm)


yeah, like happy go lucky right


and okay , have you ever been looked down upon by people in your life


(mmhmm)


ya ya, processing is it to learn ya


, I I feel like on many instances I've people they look down on me, but , some of them may not like directly, told, tell it personally to me it's more of something I've observed like you know like cause I'm no uh someone like


uh observant right so I notice that all this little stuff people do whenever, like they feel like they don't believe in like my capabilities like whenever I'm talking sometimes it would just interrupt, because they feel like what I say is not


is not enough like it's not good enough you know they know they know much more they know better, and I mean I I'm fine if you like you want to say like oh you're better than me like I'm fine it older or younger than me and you're smarter than me I'm fine with that but the moment you start looking down on me like that just sad you know it's like as if


I I you know I did, do enough to to get where I am and like to be where I am is like, you know like just because I don't show like my so called potential every time doesn't mean like I'm not good you know so ya


one thing I wish I could change my family honestly I wish I could change okay maybe not my family per se I wish I could change like my dad's character, , but I know I won't be able to


none of us will be able to , because you know how they say like after a certain age , like you can't change your so called like habits etcetera right like I feel like that's the case for my dad and it's just it's just hard being having to like goes real life daily life and then having to like tahan all his like


problems you know ya, yeah yeah, like I and and if he doesn't want to like they do the like, take the effort to like change himself like what else can we do right so ya


, yeah


oh I remember one time like, I my friend plan we like I'll shy like okay I think like, really end the like our friendship I just dated for like a period of time


for about I think a month or two, and that was the longest I've ever like when we were talking to her and all of my other friends were like so worried about us cause I think I just like that that small peg affect me so much but it was also partly because like I got injured


and I was just, damn sad lah you know , ya but uh I mean, it was it was just like a momentary break lah between the two of us we're we're friends now I guess ya


, you


(mmhmm), oh ya ya


oh yeah yeah


why no, (uh huh)


uh at least you ended right can I like last question what always bring tears or sorrow to your eyes


(mmhmm), uh


it's okay , I think for me , I can easily cry but there are times whereby like certain situations if it happens like people people will cry but I won't there are just then things whereby like I if I understand like the situation and you know all that II will cry but ya other than that


part two positive experience


okay, what do I love uh


okay this is a bit hard uh what do I love I love everything actually, like honestly like everything like I love my family, I love that I get the freedom to you know choose, my path in life etcetera uh


I mean I love that to a certain extent I have the freedom to determine what I get to do because you know some other people you know did not have the opportunity, that freedom to do so, so to a certain extent I feel like I'm thankful and I'm blessed that I have the opportunity ya


you


oh I can adjourn and talked about a fond memories of a pet that you have or once had


do you feel like it's a friend or something


, never had a pet couldn't have a pet, I don't think I can even right now unless I move out because like my family members (ppc) are asthmatic so it'll be tough if we own cats especially I mean that's the


the one that everyone is fine with like uh other like so called uh counting animals like fish terrapins etcetera I don't think we would ever take care of those because I feel like, I don't know like cats uh the ones that are usually like more


, available sort of because like I usually see a lot of cats like down at the void deck you know anywhere like my friends own a lot of cats as well so I always like I sort of know how to take care of a cat even though I don't own one ya ya that's all


ah I have a lot some of them would probably be


like the the simpler stuff like red bean bun I really like it a red bean Bao both red bean bun and red bean Bao like two different stuff and then what else ah hello panda,


toppo it's like this uh biscuit like paper roll or something like that ya that one some of the stuff I usually eat a lot and I was younger and all the like chips the crisps etcetera like cheezels , ya all that all that all the junk food how about you


oh ya ya ya ya


you know but like there's chocolate coins, the chocolate coins they still have it right do you like it, same not a big fan but there are some of them which are decent enough for me to eat ya


comfort food !wah! there's a lot it's a lot really I think I think like I honestly not a big fan of chocolate


but one comfort food will definitely be like dark chocolate especially I mean technically dark chocolate is also good for you it's good for your brain etcetera but other than that I think nuts will also be fine I'm fine with nuts I'm not allergic to it thank god


ya ya that's uh that's are like two of the stuff, what, ya snacking all the snacks , how about you


oh uh actually right okay, I not secretly proud I I shouldn't ever be proud I mean uh if not actually everyone should have actually it's like


what do you say like you'll be to like the support bossy child if you're too tired of things but , I think once girl and thankful for having is the fact that I am someone athletic like I mean be skinny some people might think I'm skinny but I I fit I personally think I'm I'm more fit than I am skinny because I work out


ever since I was young I was into sports so I'm always like fit like I eat a lot like people think I'm on a diet etcetera but that's not true , uh it's only uh what I eat is always like all this like protein all the lean meat etcetera and then


I just I just do it to like keep fit and and I'm I'm thankful for that because after all now I feel like for every need to run I can depend in on my gift where like my ability and ya like


if I ever do sports also it's fine if last time I ran for a like and so called adventure camp I and we went hiking I was one of the few students who so called like, popped out like I just volunteered to help out like both guys and girls help out to pull up pull up dialects so called camp uh campus


and then check check it was like it was slippery and and I I don't think that my shoe was actually like the more suitable, shoe to use but for the activity like you just got to do what you have what you have you know yeah do do what you need to do with what you have yes


ya, so ya that's the skill I'm thankful for being fit and then being able to run etcetera ya, , how about you


well that's cool


(uh huh), fails you


so like if you write with both hands like is it like decent like it doesn't look like scribbles , no thanks


can you repeat the question, ah best birthday present okay to be honest I rarely receive gifts I don't remember that gifts I've received like, like when I was younger but


the best I say would have been , ya which is like so called like the the minor version of haj like the smaller version ya like I I mean I didn't like do it on my birthday itself but uh I think it was a few days before my birthday I found out that be where my family


like my parents myself and two of my siblings or three of my siblings we went to perform umrah a few years back and, ya it was like to know that even before my birthday I feel like or I don't need to receive any other gifts like that's fine enough and on its own ya


how about you, (mmhmm), (mmhmm)


well to do is it ya


let me see, ya, or you into like the barbie movies , the barbie like movie the franchise, that's the like classics


, okay uh let's move on okay what are the dreams and goals that you wish to achieve before you die


(uh huh), but do you think do you think like there is one


that you think about but it's not like a major goal per se


(uh huh), (mmhmm)


like for me, uh I've like I, honestly what I want to do some they are are a few goals but some are there will be to


how you say to, live to work and not work to live do you like, it's true I mean like because some like I used to have the mindset whereby like if I were to work


it will only be to live like I need the money to support to sustain myself to a certain extent that is true but then some of us you know you're just spend too much time on work that you don't like you sacrifice a lot of stuff sacrifice all the like, you know the family time and all that and like I don't want that to happen because I'm afraid of stories of people who who are too stressed out because they mixed up and all this stuff


you know ya and, ya like no no I don't want that but apart from that also I feel like I, I pray that I will be able to to have like you know that I'll be able to


how to say uh gave my mum like a, a so called like, stable live one where she doesn't have to worry about, how we going to get this or how we gonna get that you know not that like we financially stable or whatever but I just want a better life for for her


for myself and my family in general ya that's all, (mmhmm), oh and I mean okay wait just to add on I feel like I don't want I I just want to be able to live with with you know with my family and then without having to think about like


where , my my next like, uh how to, no I just I just don't want to have to worry about where the food gonna come from etcetera you know you get what I mean ya, that's all


(uh huh), oh yes yes, volatile and stable, what C and A


ya ya anyways, ya


personal growth oh, many times actually too many times to cover but one of the in particular would be when I, I was task I was given a role, like so called like head role where I had to lead my so called group and it was it was shocking because


I didn't have like prior experience like I didn't start off as like their system or whatever like it was immediately , the following year after I joined I was I I became the leader and I was like oh no oh my god there's there's so much that I don't know and I have to handle all the responsibilities but I took it one step about a time and I'm thankful that like


my friend who is like the assistant she we we worked well together even though there are like some, you know stuff that you might argue apart from time to time but we manage to work things out and uh I'm able to grow because I learnt that to become a like effective and a decent leader is for you to like reflect a lot and then also refer back to your past leaders to learn about the mistakes etcetera


and and you know you also learn along the way so ya it just just take it one step at a time and eventually you will find your way how about you


(uh huh)


(mmhmm)


, it's fine, uh, what are you thankful for is that anything you thankful


it's fine go , oh anything else like not not about me lah


, (uh huh)


(mmhmm), nice (ppl)


so do you think investing or trading is similar to gambling, honestly this was one of the questions that I read just now and I was thinking a lot about it because, honestly I think, it comes down to how people want to portray it I personally I think it's the same it's just that


uh the community people have different mindset about gambling and different mindset about investing and trading investing and trading seems like oh it's something what Atas people will want to do err sit down in front wear tuxedo and all that stuff and gambling is where people will be drinking and smoking and playing pokers but if you look at it closely


both of these activities results in both losing money gaining money and becoming famous, so if you look at it in a bigger perspective everything is the same but, why gambling is looked down more is because of the community's perspective on what gambling addicts are and what are they while they will result to in order to get money and all that lah


ya, so next question, options are worth looking


uh uh early ah same here okay what are your thoughts on investing in highly leveraged products like options, err honestly uh


example there are some products that are like tesla is, itself their product their stocks have been skyrocketing over the past few months I have been closely following lah, so if you were to invest them invest in them right now, of course you will have to spend more money compared to let's say spending uh investing in SIA right now SIA stocks are one of the lowest right now in


the whole history that SIA has been so now investing in them will be better compared to investing in tesla cause tesla stocks are already quite high, and investing in them you have to take a uh have a bigger capital in order for your stocks to be there and for them to grow


so I believe that you should invest in the lower stocks first, and then, err develop your capital before you think about uh going for, highly leveraged products lah


number for a CDP and custodian account, which one should you use , I don't have what, I don't understand what this means do okay next question , discuss the recent performance, of the stock market, okay err after this COVID the stock markets have really plunged like all have plunged down


quite a bit but of course some companies like tesla's spacex they have been really going up, because , firstly it's due to elon musk's err, capabilities and his ambitions that continue driving the company forward instead of being like sat back and enjoying being the biggest uh uh biggest competitors in the market so I think elon musk has a huge a role to play in why the tesla and uh spacex stocks are rising so quickly lah


and whereas the other stocks like you see SIA or singapore based uh DBS and all these their stocks are falling quite a bit but, honestly uh it's a good thing because right now is the best time for anyone who is interested in investment to go into stock markets and


err build it their capital inside but like as Shafiqah mentioned just now it's still depends on your finance are you able to, have that capital are you able to put that money knowing that there is a risk but of course certain companies like SIA DBS you know that eventually in the future they will they are to bound to go up lah so you can be rest assured that your investments that you put in now in a few years they will definitely go up and you won't happen to lose money lah


but at the same time it still comes with a risk lah


uh I I don't understand question six, do you oh okay question seven, the stock market is not the economy, what are your thoughts on this saying, Shafiqah you may start first


err for me also I persuading, err stock market plays a huge, err role in the economy like when your stock market crash, that's when everywhere in the world the economy, started though drug, if you all remember lah so uh that's why I feel that stock markets are very important to the economy


they might not be same but they are very codependent, so each has to rely on each other to make sure they are able to sustain living and, sustain the economy and starting the top, so once a stock was to fall it will definitely ~mpact the economy one way or another lah


so that's why it's very important, to, know that they are quite dependent and how to make sure both are sustainable in the wrong, long run ya, err next question if you have a sudden windfall of one million dollars will you invest your money


how will you allocate your assets for investment


so if I was to get a sudden windfall I will firstly want to thank whoever it is that give it to, I'll be very careful okay, but then err how I would invest the money firstly uh I do not have experience I do follow all these investment strategies and all that but I personally don't have experience in


investment, so if I was to get a sudden windfall of money, first I will do is investment, in properties, because properties in singapore they are, their prices are not going to go down anytime soon they are just going to keep rising and rising and rising so this kind of investments you know that they are just there


and eventually they are going to increase like you know that there is no risk in singapore's properties, so I will be so more if I was to invest definitely this will be a huge pass portion of my investment, because I know this is more or less risk-free and I don't have to have experience in acquiring properties


and of course I'll still invest in all this stock markets like I mentioned err after especially after this COVID period all of these singapore companies like uh DBS all of these companies have their stocks are very low and it's the best time to invest


in them so, definitely a portion of my investment will go to this but majority it will still be properties and the, investments that are risk-free lah, more or less yeah okay next question, how will you recommend a student or novice with little cash at no hand to plan their investment journey


how much little cash are we talking ah


uh for me also the same err I, I personally don't know any, investments, that only require a thousand bucks, uh yeah I personally am not sure of any or such, but anyway as for a student to, even think about investment that's a very good step but like you mentioned err have a proper crash


uh cash flow before you decide to even go into any of this lah, yeah K next question, shh are you familiar uh sorry should I invest with a financial advisor or should I invest on my own and why


err for me personally I feel that, of course stick to a financial advisor because a financial advisor has the knowledge has the experience and all the details required lah but for anyone to become a financial advisor and have the experience they have to start from ground zero they have to fail in order to become successful first


so I feel even though you have a financial advisor once in a while it's okay for you to take the risk and, have, fund yourself lah for me I'm the more of a YOLO kind of guy where I like to, do things uh, knowing that you only live once so


if I was to go for it then I will just go for it lah ya because everyone has to fail one is once in awhile so I might end up becoming a finance


err for me I am familiar with investing I love to read up I love to follow about how the stocks are doing and all that and the reason why I do have this interest is because my parents were never into this kind of thing they were very old fashion they didn't really have much knowledge about it


but for me in singapore I feel like this is one of the very crucial things you need , especially in the future like now you work nine to five jobs is more than enough to survive, but in the future it's going to be get even more expensive especially in singapore, so you need these kind of side incomes to further sustain you and further grow your


err personal err, err personal stock, of money or whatever you want to call it lah yeah


investing is a very like I mentioned is a very crucial thing that will become, err in the future, especially down about six seven years down the road lah, because uh our economy is growing our our, our uh err jobs are losing and all that


so these are the kinds of job that in like investment that you can focus on and rely on when things like COVID nineteen or pandemics were to, happen ya, okay err after reading through the last section of the questions I think the, most relatable for us will be number eight


buy low and sell high is this a good, investment strategy, uh personally I think yes it's a very good investment strategy, and I say that because even right now I'm in singapore for err, I'm studying in polytechnic and I have friends err who actually it might not seem like a big


job or a big dip but, they are making quite a few bucks and they're able to survive, I I mean they are able to lead a good lifestyle like having not having to worry about expenses and what my friend does is he actually buys shoes err nike shoes adidas all these sport shoes


he buys it for a very low price and he even as a server that actually he actually invested in a server where the server is able to automatically catch err whatever low prices they have and automatically buy it and automatically deliver it to his house and after he gets it he sells it for a higher price


and, there are people who are willing to pay that much like example if he was to buy uh shoes for two hundred and fifty dollars and he was to sell it for five hundred dollars there are still people who want to buy it , and that shows that this strategy is very good as long as you have the correct product as long as there is a demand for this product


any product you buy you will still be able to make money, just that you need to know which one is the right one


part three negative experiences


describe a time when, you felt helpless and, or trapped err for me err <B>


those who know me I'm not really my, much of a crier like, it's usually like a huge build-up then only, like cry kind of thing but, when I'm watching err movies, some movies can really provoke you a bit


but I don't cry lets say to a like a flood of, water but it's like you can feel the pain you know that kind of feeling ya, so personally, err I don't really have a something that would, always make me cry, it's always just a usually a build-up be it my


compare family members problem, and all this lah yeah, and of course when you break-up with someone that you really love, yeah ya, okay is there one thing you wish you could change


but that's why you my own you can add


people to in in their like train to, twenties mid-twenties and uh I I haven't even reached twenty yet so people like look down okay you won't be able to do this you won’t be able to do that or you cannot be in a relationship with this girl you cannot be in a relationship with that girl


your your age is just about studying, you need to focus on this focus on that you cannot focus on that, it's a it's a lot of things a lot of err restrictions, based on just age itself, and, over the years I have been able


to proves these people wrong, err like firstly they say that you can't focus on studies while you're working, working many people are doing it so why can't I and now I have been doing it I've been making quite a good lump sum per week from working as a sales in a sales company then at the same time I'm also uh doing quite well in


my studies actually my results were, be releasing in about two more days, so I'm quite confident that, my results won't be that shitty but based on COVID because of COVID lah not much, or like a virtual only virtual lessons so that's why a bit low but, not that low lah so that's why I prove these people that look down on me wrong and I'm proud of that lah


and I'll continue doing so pushing the boundaries of what I can do, at an age that I am ya, it's never a full stop it's always a comma, okay did you, have you ever have a pet that you love oh never mind


right next question , what popular foods do you dislike and


so it was after my O levels err, err I started working nurses company, lah just how I mentioned , so at first err, where I joined the first week err it was called on job training, well, on on the while you are working you are still paid lah


so during the on job training I made quite a bit of a lump sum I made about nine hundred dollars to, one thousand dollars , so when I made this I was so proud like it's my first, uh income as a, as I doing a full time job so I was so excited right so like straight away came and told my parent


yes , err mom and dad this week this month I'm going to make total of five thousand dollars , announcement give you all , so err that was a very, excited first work at we right so so that's why said like


then they also over ambitious already !woo! five thousand dollars oh my god you can settle so many things then, kind of thing but ended up, the first week uh basically after I got promoted I was promoted straight away two weeks after my on job training, so after I got promoted err I lose the motivation or that drive to


will like continues, err selling products to people sell err having that hard work on that field , because err now I promoted already mah so don't need to worry like cut sounds like kind of thing they call it new leaders syndrome, in our company , ya so it's something like that so then I ended up only making what two hundred three hundred


four hundred, ya so that was it was just like that for a few months at least two or three months where I was making minimum, three hundred dollars and there were some days where I made as low as, hundred or fifty dollars if I'm not wrong , so this week's really err and and somehow I was working full time so it really made me err


struggle a lot financially eating outside some more it was my office was in err uh central, and you know all the prices of food there is like, ten dollars per day per meal lah per, lean yeah, so money was really flying, so then eventually I reach a phase where my poly was starting uh I had to pay about three point two k


for my school fees in and some more I was a EAE student that means I had to pay my fees earlier than uh every other people in order to secure my seat, so I had no choice so, what I did was whatever money I had I quickly put into the


payment then I straight away took loans from friends, from err one friend I borrowed a hundred dollars , then from another friend I borrowed a thousand three then from another friend I borrowed five hundred dollars, and my what week's pay of five hundred dollars that all of it combined together I managed to pay for the first


the for one semester is three point two k , so then now I know already I, have to get money, in order to pay back my parents won't be able to fuck it up and some more it was err it it wasn't before, COVID yet so it was still before lah so then I had to


what what I did was now I know that I have to pay I quickly started, to hustle back, I make sure I hit my weekly targets make sure I don't slack during the fields, and that's how for six weeks straight I managed, to earn uh six hundred to seven hundred dollars every week


and that's how before I started my polytechnic I manage to cleared off all my loans, and, because I know that when I was in poly I didn't don't want to think about having loans how am I going to clear it and all that, so and but then even then my parents were still uh unappreciative they were asking where's the why you never give us money why you never give their at least I was like if I was to give you money then how am I supposed to survive I somehow am working at central area I need my own expenses I didn't ask them for transport money I didn't


ya ask them for any other sorts of money, but they were asking for money but I was already busy paying off loans every week that I earn only I will only keep less than hundred dollars, for myself all the rest will go for paying loans and everything and I was already studying in between that but my parents still wanted money and that really made me get angry every single time that they ask money lah and it's not I'm not proud of it but they have to understand my situation also so ya lah that's one of the times that was


err very err demotivating for me, okay, err Shafiqah, what do you often worry about


personally err when I was younger I did err, err sorry when I was in secondary school, there was this one girl that really liked me but then, uh eventually I cave in to her, and I I started to so, for like like a bike uh backpack or whatsoever


but then , halfway through I just didn't feel like, err, this is someone that I want to be like I just whenever she wanted to go out with me I didn't really want to go out, I always resisted and all that and then err some more it was our o levels period so I know she was very distracted


so what I did was I waited for o levels to end then, after that breakup with her so the main I, don't really know why I didn't wanted to be with her and why didn't wanted to hang out with her, but then like, this exact reason you, know karma right


it always comes and bites your ass, and that's what happened to me when I finally fond someone err when I was a bit more older so, err so uh prior I was in the relationship so, it was doing quite well for about four


months like uh it was, very good it was one of the, best few err months of my life that I had like our relationship was, it's very exciting very interesting very intrigue, many it takes ya but then apparently the girl decided that oh I was too young can't be in a relationship then err


our races were different, and all this so, like these are the reasons that I personally believe that if you were to truly love someone, in the future they won't come they won't be a problem so like I said


how why I didn't had a proper reason, to breakup with the girl in secondary school this girl didn't had a problem easier to breakup with me lah ya so karma always comes and bites your ass ya but I do understand her perspective but nonetheless


I still feel that, things could have still worked out ya nonetheless , okay next question, err have you ever wanted to get revenge and what what happened that made you feel this way


uh this was a very interesting, moment for me at first err


I uh it was actually my first kiss lah, uh ya it was my first kiss err so, I thought I would know how to kiss like, err you know you always see people in these movies, saying and everything and you will feel like you know


how to kiss like whatever but when I first kissed right err, it was one of the most embarrassing moments, in my life, but it was a if there was a question about how uh embarrassing moments that will be the first thing that I was ever, I will ever say


uh what happened was so basically uh it was personally the girl lah she keep provoking like, her face was right in front of my face you know and some more it was my first time with, a girl so close, so I didn't know what the shit I was doing, so, err when when the girl was in front so it was I just see her face you in front of me so it's a natural instinct uh what I did was I just kneel forward


but , after I kissed her I couldn't I didn't even move my lips like as if though they were like rock hard or something it it were like stuck, using super glue or some shit , so err ya then the girlfriend err the the the then my


err then, the girl that I was dating back there and then, after like I'd pulled away secretly put, her face in between her knees in, embarrassment or shy or what I don't know what would it, it was like honestly I don't know , ya but that was one of the most embarrassing moments where


like I really though I know what I was doing, but no I didn't yeah , okay err, describe an event that made you really furious


where best bro so subway [ah]


Shafiqah we do this err, I take the first question then I ask you the second question


part two positive experience


some of the most memorable days were , the actually my in the younger days my dad used to bring me to Changi airport and where's basically we that at the side lines we'll stay behind the fences and see every, aeroplanes taking off and


landing and those were actually those moments that were the things that inspired me to take up aerospace electronics today lah so, ya those were the thing those were the key reasons why I've decided to pursue aviation as my career option


talk about the fond memory


memories of a pet that you have or once had okay shit never mind lah shit !wow! cool cool (hmm) very interesting question <B>


err for me actually I have many dreams and goals lah, firstly I want to, err have a living style where, when I tap my card, I don't have to worry how much my balance is currently next


so, ya that's one of the main goals, and I want to, Ling my parents proud also lah they, that have err supported me very long, err they have always supported me so I I want to make sure I return them the favor and made them proud and make sure their golden years


they're having a, a healthy life they don't have to worry about expenses they don't even have to worry about me , the most important is they don't have to worry about me, uh even in their golden years I don't want them to be thinking about me err what is he doing is he living a good lifestyle and all that so these are the major uh few goals and also another goal that is I want to become a pilot


since young I've always wanted to become a pilot and even if I don't become a commercial pilot I at least want to have a private pilot licence, if I go to australia or any other countries I still can fly a plane on my own, so that's definitely one of my dream flying a


plane ya okay Shafiqah, the next question is very good what do you love about life


honestly I don't really have, such an experience where , I feel like !wow! mankind is something else , because err actually I err in india I I my family's tree is from india lah , so in india all I see is riots between hindus muslims and all this so personally I never had a experience where I can say !wow!


mankind is something else we are meant to live ya that kind of thing so no I don't have an experience okay err I see you oh, what is your favourite childhood food or snack


okay uh personally I think there is one experience so I I was in NPCC uh national police cadet corps, so uh I was, uh very active in the CCA life so I was aiming to become a chairman for the CCA


but the due to personal family reasons I had to go back to india for a month and, and when I came back err I realized that I wasn't given the position of a chairman I was given a position of a, overall outdoors instructor


uh even then the news founds I uh uh a bit cringy to keep repeating ya it had no value it was a new role that was just created specifically for me cause they didn't know where else to put me, like they didn't want me to feel low but they didn't want me to feel high so I was like in the middle


so then there was this new, role created, so I was very very very, disappointed lah so I was crying and all that, but then, err since I was given such a position in, NPCC I didn't had to do much


and, that's when I was able to focus more towards prefectorial board, so the prefectorial board is something like a student council I was given the role of head of events, and mostly in schools many events happen teachers' day national days err orientation many things


so all of these events I was like so-called the overall in charge lah so uh I get to boss around many people like that one of the true feelings I loved to, and also I get to impact a lot of students lah, like to be honest err every time I see students participating in the events that I play I plan I brainstorm


it's really heart-warming, ya so I'm in even though I'm a bit sad that I wasn't able to get a chairman in NPCC, but I got roll that impacted not only uh my NPCC mates but it also impacted the whole school as a whole lah even the teachers themselves


so I'm grateful that, things turn out bad but eventually it was for the better, yeah uh okay your turn, err what is the nicest thing someone has ever told you


okay but good good so that means you don't want so much I uh recognition but still a bit lah


uh there was this moment so basically uh loved ones can be anyone ah don't have, to be family members also , so I was in the office , so basically I was err attached to this girl at one point of time, when err


this girl apparently told me that, uh she has never said I love you to her ex, never say the, like only in malay or, like whatever language but she has never said it in english , so I did believe her, so then


I know that she say that she wasn't going to say it until she gets married, but then however there was one day that we were at office we were working we work in the same company lah we were eh I uh I mean we are still, working in the same company , so she was err sitting on the sofa err


uh on the other end then I was sitting on the other end , so I just had a smoke break then I came up , so I was err a bit a bit tired and err, I wanted to just relax, so I just happened to look at her, then, she whispered or she muffled


err I love you very silently, and, I don't know what happened to me but that was the first time a girl like truly told me that she loves me genuinely, so it was a memory that even till today I remember it very vividly and I'll save the date in my calendar so that every year on that date on that time I get a reminder


of err how it happened, lah so, ya that was one of the very good, memory that I have of a certain loved someone ya, but unfortunately we are not together anymore


so so see how it goes like okay, okay next question


despite all the bad experience, that act might, experiences be it my CCA be it my school , or even in my family all of these experiences that I, had and all even the happy ones err, all of these experiences have contributed in one way no eh one way or another to be who I am today lah


and it's a very err and I'm proud to be who I am today being a confident person being able to, talk to anyone and everyone, err then I'm also, uh, developed many skills like critical thinking and all this


so yeah I'm very grateful, for all of this past experiences that have developed me to who I am, today, and I wish to continue growing, and become a better person of myself in the future okay


what is a skill or an ability that you are secretly proud of having, Shafiqah oh eh just


now by flexible what do you mean like, physically flexible or like


have had experiences where, the people that I thought won't forget my birthday have forgotten my birthday so you can consider that as the worse birthday present, kind of thing but err it is what it is right like what you mentioned just now it is what it is , best birthday present I would like to


say is that , err one of my closest friend we have, been talking about four five years, err from secondary school, watch err this personally was, she make the a whole cake


on her own, like from scratch she follow the youtube recipe, and, she made the cake three times because the previous two times she didn't like the, flavour and it was not the best that she can do so she made the cake three times and the third time she was very happy with it like the cake looked good and uh it was a brownie lah to be exact and


and after doing it three times then she finally came to my house to give, give it to me and, and after eating the brownie it was quite good it was, much better than this shop brownies that we are getting, tastes uh looks more like a cake than a brownie but this was very chocolate and I really liked it


and she gave me a letter with this thing, all the good memories that we have and err and how to go on in the future and all that so yeah I, I feel that that would be one of the best birthday presents knowing how much hard work she has put in, for into it and