ensuring due due to my work so yeah company one was AIA I just remembered okay so for myself yeah I thing about five per cent which also covers uh yeah hundred percent lah like hospitalization


yeah correct correct correct correct


oh ha same same same same same, correct correct correct same mine is also AIA yeah true true and like what do you said yeah I also leave my stuff on this insurance guy because he been my family insurer


for many years so he knows what what's the best thing for us and if anything comes up yeah and thing comes up like good deal you just let us know lah so you just act accordingly ah if you are interested yeah correct correct yes correct exactly yeah yeah yeah


for my end I do have property also so it's covered through HDB and all that and I have a car so yeah it requires me to get an insurance because I'm I'm, kind of like I do a private hire for part time so I is required for me to buy commercial insurance for the passengers I ferry so yeah so that's the add on thing ah


yeah correct


yeah yeah I'm I'm I'm with you correct


I see I see


I get it I get it I get it I get it


okay okay, okay like for example come to medisave yeah as in like what you say, like it doesn't I I'm not sure because I've done a couple of surgeries where actually medisave did cover me but when come to dental I think it's not it's not very advisable unless you go through uh


what do you call it hospital then you can still claim your medisave by going on private and all that I think insurance is much more, good idea yeah, I don't know how how efficient is medisave yeah


yeah correct correct, correct correct and, it's always like you have to pay first and later they will pay you back something right yeah correct


exactly exactly, yeah correct I think elder elder shield is quite efficient when you go old because, yeah think that's when you actually can use if you are like going for normal check up it's like uh because my mom I remember she's using her what you call that elder shield now now because she frequently visit the hospital so yeah it's quite in handy for her correct


yeah likewise same here also I don't really approach anyone usually they will come to us and you know


like uh like try to like, sell their insurance policy and all that so I tell them no I'm already insured by this company you know they will say like oh you've got another one it's it's it's no harm getting another one you know uh usually I I I don't like to do that I just like to stick to one so that lesser drama you know cause this guy's been here with your family so he know want


he know what's our our best best needs what's within our our budget and he'll workout something for us and he will he do a regular follow up with all the all the, schemes that comes up and try to like fit us in yeah so I'm cool with him apparently yeah yeah


(mmhmm)


I see I see I see I see


I get it yeah true true true, for me uh no when when talking about buying insurance when you travel I don't travel much so I was told that if i really want to travel then I can still buy the last minute that that the travel insurance when the point of travel yeah I mean


not not just uh paying you know you're not travelling so you be of now use but when I need to travel then I'll seeking for advice and he will explain to me other than that our normal insurance like the hospitalization coverage and all that like


uh uh like disease like sometime you Kena some a uh cancer or what I'm well aware of how much I've been covered and all that yeah so yeah


payment yeah correct then yeah and, the thing is that if you suspend ah you have to go all the way from, from the start like like the whatever you paid in the earlier would


be like gone wiped out you know like yeah it's something like a investment thingy lah you know yeah I'm aware of that yeah, correct correct


okay for my end actually and I'm okay with cashless it's just that some places they are still like


like they are still not into cashless system so I do keep us uh a small change it me lah but cashless is much more convenient lah because you don't have to like worry you know like you carrying big notes or you have to find small notes you know yeah like


you can actually monitor easier to monitor how much you spent, for example like people with cash and then like nowadays singapore you just break fifty dollars you uh the the changes evaporate within seconds you don't know what you spent right you know yeah correct, so yeah it's only when you buying food at some like old places they still have to go on cash


uh you know like hawkers and all that lah they are still not into this system of where cashless system if not cashless is still fine everyone do cashless yeah, correct correct, yeah that's, that's the thing and and these are the place where actually you hawker centres is the only place where food is still is affordable and cheap wherever they use cashless that means it's expensive already


yeah you know yeah so it's still I'm still okay with both lah, yeah yeah soon ah


okay okay okay okay , okay yeah I I do, have uh habit of saving as in it's not very constant but I will try to make up for the


month that I I'm supposed to save so if if I miss that one the following month I will just put back so I but I will uh I'm yeah correct but I will, definitely save lah because uh I I'm married and all that so I have to focus on my kid uh and so yeah so we are saving it's very essential like


like what my parents every time say you you even if even if it's a dollar you save it will still be a handy when you need it so I'll I'll just like what do you say within my my means lah like fifty or one hundred lah depending lah I'll just try to like put it aside


I'll put it in the bank and uh and the I wouldn't touch the bank you know like I got uh separate bank just for, saving yeah so in the end of the year I'll just like make sure I whatever I saved it's sufficient you not to move on to the next next step yeah yeah


ah yeah yeah I have that too I have too I've got uh what do you call it a a big bottle where I'll save one dollar coins so a friend of mine told me, if you like manage to fill up the bottle you you'll have about three k in the end


so I've just started yeah yeah I've just started only one dollar coins you know so yeah so I've just started so it's it's just it's just one quarter of the bottle now still all the very long way yeah yeah


I get it I get it I get it get it, same same I'm a I'm agreeable to you sentence ah I also, like spend I mean for my need more than I want because want I can do it anytime I have to I have to clear the needs first


yeah correct correct correct yeah


I get it I get it same same yeah financial, commitments after marriage is really very crucial because for my case before marriage and after marriage I see myself


the amount of money I'm spending ah like after married just like I am really counting money like very scared to spend because I will look at all the all all the things that I need to I need to settle, then to then to spend so I'll settle everything if got extra then I'll consider of spending


yeah so there's a very big discipline in both after you marriage because yeah money, plays a very important part yeah, ah correct


correct, oh


yeah well said yeah true true true I agree shopping online sometime some stuffs are really cheap and good as in like not cheap and also, you have to take note whether it's the same thing that you buy online or not as in uh sometime you might see online but the thing you get doesn't come out to be the same thing


part three negative experience, what is your biggest pet peeve or what annoys you most


I understand yeah yeah I get it, wait it I get it, for me is uh for me I hate bullies bullies in the is very generic lah like and can be anyone like pulling uh uh uh less ah uh yeah like uh can be


a youngster bullying or old people or you know uh uh big size try bully bullying a smaller dude I don't I won't tolerate that I will just like step in and you're trying to make things right yeah yeah, emotional yeah it it's considered


all all in one in one form lah anything call it bully ah I don't tolerate I hate that yeah it annoys me yeah alright yeah


yeah sick yeah


I get it I get I get it, for me I recall very long best I seeing this tamil movie it is about this uh, that and


who lost uh not mean lost who got uh tricked tricked into uh some scammers who came to the village uh they tried to scare him off all his , money and then they they kidnap his his daughters sell her away some child uh prostitute place and you know he was like searching


for throughout the whole of the world of the, india and he like try to get info where his daughter and he end up when he saw his daughter at that place he shouldn't see that that very disturbing uh scene was like, uh it's it's very it's very touchy and and yeah I didn't cry but if it was it was very disturbing yeah like it so much the man have to go through you know


like yeah correct so that that that that movie is like very like very disturbing yeah


I agree with you yeah okay so, yeah I agree with you about the but uh let me talk about the older older generation ah well this one thing I don't like about them is that they are still in their own


lah molded uh the molded, period of time where you know they they still think about they they will compare you with, their time how things are done and now, but they failed to recognize that now we are going through a lot more than what they've been through


during those days so they when you talk try to highlight to them they will say no it's it's not like that you know my time was like sources uh blah blah blah and why can't you just adapt the same situation when you try to explain to them no you don't understand what's going on now they wouldn't buy your story so it's very difficult to penetrate them


like you know but what to do sometime we have to give respect for their age we have to like try to like force things in them and they are still the same old block it's so difficult to you know like sometimes you it it it can be very devastating to like try to get


uh info in into them it's it's very heartbreaking yeah yeah we are like stuck yeah, yeah yeah, correct, correct correct correct


so what's about the worst travel experience you encountered, oh okay,


oh my gosh, oh my god, india india you have to be very of that drinks that you know like their you have to always go on like this still water you can just drink like you know anywhere from the restaurant or what their their water is the main problem uh when I talk to a lot of people yeah so


understand understand understand


I get it, yeah, for me the worst traivel experiences uh when I was driving to KL we are supposed to go on to a temple tour I mean temple visit lah with my family


the GPS just like, screwed up on me as in like it didn't suddenly just when chaotic, uh it's not showing me the the the the route properly so I had to like use landmarks try to like figure out somehow where is this you know stop in between try to get


like uh wifi hotspot and all that to get connected it was a tough time trying to look at this temple, and we are in the highway and you know this highway thingy it's like the moment you miss this the exit the next exit is gonna be few kilometres away and like I I was almost lost and I don't know who to ask and I somehow like


try to like, get to a nearest uh petrol kiosk asked the asked a help from the attendant how to get to the place I'm going to and the person actually guided me but, the thing is that we have language barrier like they can't communicate in uh english and she go and she was like telling me in malay I was like


trying to like figure out in simple sentence how all and all like trying to get people's drawn landmarks what to look out where to turn and all that but it was uh it was it was really a tough time you know trying to get to the place but I am more I like may forget it lah after about one hour driving


which suppose suppose to be just five minutes, I ended one hour of stretched time just to get to that location yeah there was a moment I will never forget yeah yeah


describe a time where you feel is good enough that feel than nothing {oh} okay


(uh huh)


I get it I get it I get it okay, for me was just happen this year when COVID COVID shoot me real bad cause I was doing my own business and my trade wasn't like being in favor of COVID it was so, bad at my my my earnings was my plunging down and I wasn't able to contribute much for the family and my wife was


single person working like we had overhead views to service and a lot of things like was so difficult to actually move move forward, and I just feel very demoralized everytime I come home I feel so down but yeah even though my wife is there for me by as as as a single person you're trying to contribute your part but you're unable to I really feel


that point of time like whatever I do was like not good enough yeah very down yeah, yeah yeah lah so yeah, so describe the embarrassing moments that make you cringe


, you prepared for the wrong slides okay


okay, oh so we went out of the topic


be in favor with you, uh I get it I get it I get it I get it I get it like


for myself embarrassing moments that make me cringe is yeah basically I'm not talk about the COVID lah yeah as in like when you feel that you are the man uh in the family and there's nothing much you can do and your wife is like struggling and all that


it's very embarrassing as in like, yeah like if it like it's a single winds down like you feel that you are there's nothing much you can do what what else can you do at this time you know like when the thoughts is very like disturbing and embarrassing yeah alright yeah that's the that's the only time lah alright alright


so let's move on, oh


ah I get it, yeah, I get it I get it


I get it for me I I met with a car accident so was me and my wife we are travelling down the expressway and suddenly like I lost control of my car it was like swaying from one lane to the other lane it was a bridge we had a feeling that we going to be thrown out of the bridge it was that kind of feeling


so so until now whenever I travel in that particular bridge that that that that trauma that we went through keeps coming back, yeah it's it's it's a kind of like nightmare you know like am I going to go through that and and whenever I come to that spot I try to go


very slow, yeah it's a phobia exactly yeah it's a phobia that's the one yeah so that's it yeah correct, have you experienced any lost in life if you have described the emotions at the point of time and how did you deal with that loss


do you put it to sleep or just moved on


for me is when I lost my granddad I was like I was, I don't know how there is a kind of feeling that someone very dear to you you lost them, you don't feel like doing anything like yeah because I was very close with my granddad when I was growing up so he was more like a good friend than my granddad to me so that


when it was when when he was down with stroke I was like looking after him and all that and suddenly as each was nearing he have to move on then I couldn't accept it he was no longer with me and, yeah it was it it was it was a great loss lah was a great loss me yeah yeah there's only one yeah


yeah yeah it's been, many years back yeah yeah correct, yeah correct ah been went through that yeah


oh okay racist yeah correct


I get it, yeah we're not used to all this thing yeah that's right I get it I get it I get it


okay okay no I'm I'm skipping that I've never go gone through that that thing in my life before I don't wish to go through that yeah I'm skipping that okay let's go to what disgust you okay ah for me I hate to see woman's walk


yeah I it it's very disgusting I don't like to see that I don't know why uh I don't know that's the only thing I don't want to elaborate on that yeah for yourself


oh that sad yeah, , this inappropriate yeah


I get it I get it yeah I get it, yeah what's your greatest fear, ,


well said, , get it I get it I get it, uh my greatest fear we talked about it is accident yeah I would I would never want to be connected with any kind of accident


involved or anything yeah because is still a trauma yeah


part two positive experience, okay what are a small things that always make you smile


yeah


true true true same same name, I also I also I I like I like to do I like, do something to make kids smile or very old people you know like to see them smile because old people they always in their own world thingy of thing so, when I when I meet them I will try to like make some comedy and try to make make them back to reality and like be happy yeah these are the two people I like to make them smile yeah


okay


(uh huh)


yeah understand understand yeah same well for me it's yeah I was doing uh skill set two years ago so, thing has been has been advised by my friends and my wife to go and take up this thing but actually


I didn't I didn't want to do it at first because I was working I was working so I find it like too tiring like trying to keep up with work family time and study but eventually I managed to, pull through and get it done and it really came into handy during the


COVID because I got employed because I had the cert so it it it really like like bring smile to everyone you know and especially I was glad that I I I managed to


I managed to get a job using that that cert which was which was very handy now, yeah it's worth it it's worth it yeah


okay nice movie


okay I get it I saw I saw I saw before yeah it's nice yeah correct for uh okay


I am into cars so I I love movies any movies that that there's got do with cars a lot of, racing a lot of flying around at like especially, what the best series I I still don't get sick watching is the fast and furious I can still go on watching all the episode from one to eight it's like


and some more there's another one called transporter I like, any any movies out there there's got to do with cars I will just go for it and I'll just I'll just buy the series DVDs I'll just keep them I will just when I'm bored I'll just watch, yeah yeah correct


so what are the three things you have in common with your best friend or partner, three things, okay in uh when talk about uh best friend three things I have in common is uh, we both like we know


how to say we got a heart lah as in like we know how to treat people respect, we we we we value friendship, then , we know what's the meaning of respect respecting uh elders and anyone out on the street we we respect mankind there's there's one thing other thing is that


we we do share things like openly to talk, as in like we got problem we're comfortable sharing with one another with the mindset we're able to accept, advise like, like we can actually how to say yeah we can


we can how you how to say you can go about sharing when you feel down or what you can seek advice from them at the same time when they are down when you give advise they are willing to take so that are the three things common lah


(mmhmm), (uh huh)


oh nice nice, (uh huh), okay okay cool cool okay what is one place you love to visit and why


okay I always wanted to go to maldives because I've seen in the net as in is a very beautiful place a lot of islands there the the sea's wonderful


and it's a perfect gateway for you like relax don't think about anything just chill out just appreciate the sea the sun and the food okay there's one place I I really want to go yourself


oh


understand all the best man, ah go first


you go first you go first


, get it,


less fortunate background yeah okay I get it I get it


okay for me the three things most grateful firstly I need to thank god to to, to be born with no defects and all that and I'm still like all perfect condition one thing is for god second thing is for my teachers who taught me the right way of life


like you know like bring me out as in like teach me what are the things to do in life you know and the third person uh should be my parents and my wife like they actually like advice me


what's the right way and it how to be in life as in like what's the right thing to do and you know teach me patience like you know and, tell me what do you see like how to say ah how you put it okay like be a good person lah


be a good person basically yeah so these are the three three things lah I like to highlight yeah, correct, , , okay go


understand understand


, I get it (uh huh),


I get it I get it


anyway for me I think just now I talked about friend so now I'm going to talk of my about my partner my wife uh three things I like about her is that firstly she's very patient with me like she've there throughout my hardest time


like trying to motivate me and all that okay second thing she's a very good listener as in like when you're down you besides your friend sometime your partner have to be, person you you should rely on to like try to shake you up you know uh she's always there


and another one uh, she how to say ah how to say as in she's a good, she's a she's a good person lah as in like good person as in like uh how to say she's she's a lot positive energy in her like


like she got or like what he say like you got a friend who will listen to you and give you alternate , what do you call that solutions uh same she uh she's able to like give you solutions when when you really feel black blank she will just give you okay why don't you do it this way


give you more options in life for you to consider so yeah that's about my partner the three things I am am in my world yeah, alright so, ah oh okay


yes yes yes


oh okay okay okay okay, correct correct, correct same same I also like the beach a lot I like to go there with either my my family or my good friends just go there have a good


swim have a good meal near the beach like picnic like that, get some booze and just slept to see the sunset you know have good fun just just don't think about anything just like freak out yeah I like that I like that yeah same same yeah


okay what I love most about myself at the present moment is patience I've learned to be, very patient ever


ever since I got married and I value life I value the moments and I'm able to actually think before I commit to anything think before I do anything, yeah patients is something which I actually adapted and I love the beautiness of it yeah


okay describe a time when you laugh too hard, oh, I I'm actually a jovial person I laugh all the time so, I really can't recall is there a time that I really laugh a lot because uh yeah I I I I do laaugh a lot lah actually as in I don't have a memorable time that I actually I laughed too gard yeah so I'm I'm skipping this number ten you you got anything to share


, okay basically I think we are too jovial in life ah okay, like okay so what's the proudest moment of your life


great great, for myself yeah like what I told you earlier on when


when I got my skillset I completed the thr the course and I got the cert I just feel that !wow! I have achieved something, yeah it's like because the gap to the education which I lost like uh very long I managed to go into that that that that scheme and try to get the cert and when I fulfilled getting that that cert


it means a lot to me and I just feel oh okay I'm back in tracks, yeah yeah, yeah, yeah man thanks so what does the best meal you ever had


, okay


cool cool cool, cool so mine was uh in india when when I went there for a wedding one of my uncles got married, india so were in this village so they were serving this uh vegetarian food so it's like coming and coming and coming and and they are very much different like how we eat in singapore it's like the food is in a lot variety and it's like


it's it's very delicious it's all vegetarian ah it's very delicious yeah so that is one of the best meal I had okay let's go let's go on to describe a time you can appreciate for your hard work


okay okay okay cool cool cool


finance, okay uh ya


ya I agree I also think so ah because it's , I would say investing is pretty much gambling but if you do it right it's a calculated risk so in gambling it's just that calculated portion is not there


so it's similar for investing right if you take away the calculations and the thinking behind it then ya it becomes pretty much like gambling ah so it's important to yup to know what you are getting involved see the trends you know do your homework before just diving into it pretty much


ya ya Paiseh okay, (mmhmm)


right ya ya (mmhmm)


ah I see okay I I mean I didn't know about that lah so alright, uh I mean now I only have that one viewpoint basically uh ya because ya I think maybe we move to another another topic


another about another point, uh how about what what does investing mean to you you know uh for me I think it's a good way to I mean we all I mean everyone wants to grow their money right but we we don't really know how and and the proper ways to do it so I think all of us are like eh how did you how did you uh grow your money and people like


just invest [loh] so ya to me investing is a means to grow our money but we have to know the correct way and, how to do it you know ya how about you, ya


ya, and investing also it investing is such a general term you know normally when I say oh I'm investing in something people pre-consider it to be maybe uh buying shares in a stock market or something but investment can pretty much be anything you


invest in a car invest in a house you can invest in yourself also maybe pick up a new skill, so there is actually a lot of uh different ways to interpret investing in my opinion so that's what I means to me ah when people say investing right I'm always like uh what do you mean by that because there's a lot of ways to do it


!aiya! fervid ya, okay


okay


uh from no I don't really do that much of options investing ya but I've heard of the app though and actually I'm quite keen to pick it up but ah honestly speaking, but uh I'm not sure how because from what I understand is a very uh short term thing right


ya so innocence for me my, when I look to invest right now I'm looking for a long term you know so I'm not sure if I have the time commitment to really you know commit and look at it every you know every hour every thirty minutes you know for that short term to make that uh


to make that profit lah so I'm not sure if it's for me but of course I'm actually reading into it lah I wouldn't I wouldn't mind joining or picking up that skill, ya (mmhmm) okay


I see okay, ah definitely yes yes yes


correct correct uh ya, but where have we have another another point uh ETF for unit trust which investment investment instrument did you prefer do you have any uh and anything to say about that uh trust funds of ETF


!chey!, okay for me I've I've read up a bit about ETF lah so they are basically they are like uh trust funds, ya uh


for me I would say it's a it's a exchange traded fund right so it's pretty much uh, I would say it's it's uh it's better than just uh purchasing purchasing let's say an individual's stock


or, ya uh basically it's safer than putting your money in just one company and ETF uh provides a much safer option lah because it generally looks into the how do I say


, it's it's it's just a safer way to put your money in a certain in a certain market compared to betting all your money on a single, company if how to


say okay like , uh let's say you buy share into a a a particular company right so you are putting your money on just that one company you know what I mean but then for uh ETF it's a different way where you diversify the what you put your money into


so it's ya correct


ah okay okay uh then I okay I guess I'm not I can't elaborate on that also ah I don't really know how to phrase it in the correct way ya, (mmhmm) okay !woo! okay


uh meaning to say, I would say it's not the economy definitely ya K give me a moment


sure okay


uh ya actually in fact I agree with what you said where you say you use you highlighted just now where it's not accept it is not the economy but it does make up a large part of the economy


their I mean , okay because the stock market of course it's a many many other things make up the economy and the stock market is uh something that uh, the economy heavily influences the stock market and likewise the stock market heavily influences the economy right but they they are not synonymous you know what I mean they are two different entities they just correlated


ya (mmhmm), correct correct


ya exactly so I ya I guess we both have the same viewpoint on this ah, ya anything else , uh there's one CDP or custodial accounts did ya did you know what that's about


okay so from what I understand right it's uh, like for example in singapore when we wanna start investing you always need uh like a brokerage account right (uh huh) so there there's two different kinds you can get you can get one is a CDP and one is a custodian account


uh okay let me first start what what is a CDP so CDP is a central depository account lah that's what it stands for, okay and uh, so basically if you want to purchase the stock you has you have to uh do it through the CDP account


, so where when you do this you have to pay like brokerage fees and all that, because it's uh through the banks lah you do it through the banks you know but when so when you use a CDP account right to purchase uh whatever you wanna say uh


uh shares or whatever the pros of using a CDP is the the item you purchase it comes under your name, alright but then, if let's say you will use a custodian account right it would be under the the bank or whoever you open the custodian account from that's what I understand from my reading up ah


ya so I mean well, there's other pros and cons lah for example uh if you use a custodian account right the the the fees you have to pay is lower for the brokerage fees you know when you purchases a


exactly correct so it's uh it's a give and take lah which one you prefer more ah also, from what I understand I'm not too sure about this okay but from what I understand in singapore especially if you want to invest in the overseas markets right let's say in the in america and in china right you have to do it through a custodian account


from what I've gathered lah but I'm not too sure about this it's a bit of a grey area for me ya it's so the thing is in singapore ya you can use a CDP account or custodian account, yup uh yup


ya you can use both but if you want to dwell into overseas markets right then you have to get a custodian account, ya, correct but the thing is that once you use it you use a custodian account to to uh dwell in the overseas markets right then when you purchase uh whatever items you won't necessarily be under your name


it's under the bank ya so at the end of the day ya at the end of the day if anything happens if , if the bank you know goes goes bankrupt uh you know then you would lose quite a portion of your capital that you invested lah because uh whatever you purchase it's not under you it's under the banks so at the end of the day they have in a sense they own it lah ya


(mmhmm) ya, (mmhmm)


ya we went through that already when I say about you know there's many different things you can invest in you know you can invest in yourself you can invest in a house remember ya at the start


ah okay #yi jia# you see the last bullet point what are your thoughts on dollar cost averaging, okay uh again I'm not very well-informed in this area lah but from what I've read up on my own dollar cost averaging is pretty much let's say you have uh a capital right instead of using that let's say you have a capital of ten k


and you want to buy a specific uh a share right, dollar cost averaging would be it set aside a certain uh sum of money let's say a thousand dollars every month and let said at the start of the month right you spend that thousand dollars and buy whatever you can at whatever price point the share is


so !eww! every month it will be like of course it will fluctuate right wouldn't always be the same, (uh huh) but then if let's say as to compared to let's say your capital is at ten k right and you just like okay I'm gonna use all my ten k and you bet everything at a single entry point so you enter at that point right then ya you pretty much


is put in all your money at that point but dollar cost averaging is where you split up your capital and you purchase it over a period of time so if there's any fluctuations over that period of time right it was sort of average out you get it,


(mmhmm)


definitely definitely ya that's why I feel investing it is really a long term game lah ya there's no shortcut


I see


definitely ya it's it's pretty much you know comparing yourself to the cream of the crop right when the ya, (mmhmm)


correct correct


yes yes , ya, ya that's why to add on to your to what you are saying right you know again come back to the question what does investing mean to you so for me that's why


I see investing as a opportunity to get a passive income so in a way uh if I if I uh start investing now right it would be to for my retirement ah it's slowly, to help build up my portfolio in a way to help bring up my passive income no it's definitely not to replace whatever job I'm doing now or to be my main source of income ah per se they are you know do you agree would you use it as your main source of income


okay (ppl)


negative experience


kind of person do I hate the most (oo) that's a tough one, uh, uh for me I hate I uh, hate the most ah okay I I really dislike people who are


for me I'm always a kind of guy who whatever like I said just now whatever happens happens and then we just think on the spot react and move on you know to make the best of the situation so I really don't like people who


if something bad happens then they're just like you know they're just so stuck on it and then they just start like you know whining and complaining and like oh man oh man this happened what am I gonna do now I'm always like yo come on pick yourself up and just you know think how to move on there's no time


you know I just crying over spilt milk essentially so I really don't like those kind of people where they like oh what do I do now what do I do now you know and then they start panicking and they just uh they like uh lose all sense of calmness you know to think step by step and


proceed in a in a manner that would help ease the situation, ya those are the kind of people I really don't like because I feel they they tend to they just give out the negative vibe you know and then they just bring down all those around them as well ya


how about you


okay ya I see where you're coming from you know when they just straight away burst into that mode of attacking you ya


uh is there anything what did you believe in when you were younger but ya you are saying, describe a time where you felt trap trap the helpless ya that one we just talk about that the first bullet point


is it K K, uh trapped trapped or helpless ,


okay for me you like I just now I mentioned about my O level scores


okay ya so do you want to say anything


ya I think ya ya I can hear you now ya, oh okay I guess it's not good ah it's connecting now


ya can you hear me, hi exit ya


is it better now okay can sorry ya ya can you hear me now ya


okay okay ya


uh okay sorry there are some ya there are some, issues with my recording but we just pick off where we left from just now, okay ya so Saruf you were saying


so there was a lot of self-doubt because ya (mmhmm) ya okay, the actually for me I would say it's a same thing pretty much during my, O levels as well but for me ah


it took me a while before I uh, I stayed back in school to ask for help and stuff, ya at first I was just like uh you know why am I not doing well why am I not doing well then I didn't I didn't dare ask for help also cause I I just found it


so awkward you know I didn't I didn't know you it's so it's it's a norm thing for students to go and seek out teachers and ask them for help so I felt quite quite embarrassed, lah especially if I had to do that like you know in school if you have remedial then people are like would you you know you suck man you have to go for remedial


ya so that's why I felt like uh, in a way I was because of the, uh negative ah, connotations to asking the teachers for help outside of class so that's why I was very reluctant and then I felt quite helpless lah because then I felt like you know I'm all alone and how am I going to do this until like I talked to my older sister and my parents and they were like


you know what the teachers are there to help you so actually just go and seek them out and everything should be okay so that's why I did and ya that really uh improve my grades at the end of the day, ya


of course ya ya


yes yes


uh for me uh , I I don't think so especially like how you say you were in NA right for me I was always I I went to express so I never really had this uh this thing where people look down on me for academically but remember how I say I I I love to play sports right


as a younger kid uh I was a bit on the chubbier side lah I would say you know I was never the the most, athletically inclined or capable but that's what I would say brought me to where I am today it's all those naysayers you know they are like yo look at the kid is so fast he can't he can't run fast he can't do this can't do that and that's what would really get me you know I'm like


and then I will like find out you know whoever said that and I will go and prove them wrong no it it really uh, whenever I hear people say I can't do something it just like trigger something in me and I really I I I can't sleep without proving them wrong


so ya it's a it's something that I would say the negative, comments where people look down on me I use that as a fuel you know to go and further improve myself but of course it's it's


it's not like something I actively seek out and I love to hear you know when people look down on you and yes okay I'm gonna do it cause no one really likes that, so but I feel those these uh this negative comments they're important to everyone's lives as long as you take it the correct way because if if we don't get such comments it it really means one that no one really cares about you you know they don't even bother to look in your direction


or two is that, ya like ya I actually it's just say ya they don't really care about you so of course you want it it it makes me feel like people actually take note of you and they help you see where your flaws are because


it's uh we don't always know where our own flaws lie you know if if we look if you look at yourself in the mirror you would think like I'm great you know you wouldn't really know where your flaws lie but these comments where people look down on you right it helps you


uh know what to improve on I feel, (hmm) !haiya! then ya ya ya definitely


cool okay what popular foods do you dislike, (hmm)


food dislike ha for me and I wouldn't really say I dislike anything it's just like less favorable for me I don't really like uh, uh okay this is uh a lot of people are gonna get mad over this but I don't really like


rice per se like rice ya it's I find it is just so overrated and especially like the asian community you know you just eat everything with rice it's so, it's so like I feel so mad it it such a I just get


bored of it you know everything you just eat everything with rice you know that's why if I had to choose right I will always go for noodles or something else I'll never pick rice ya I just I don't I don't really like rice ah, how about you


the fruit oh man okay, ya !wah! I didn't know that okay so but why why do you why do you hate it with a passion


okay maybe you just haven't had uh a good good guava in your life yet


okay I didn't know that, oh then okay speaking of that I also I hate cucumbers I know a lot of people like cucumber but I just I feel like I'm eating water and then out of nowhere the seeds are there and I'm like


yo what what am I even eating you know it's not even it doesn't even taste good guy like what ya I'm not I'm not there for the cucumber I don't take cucumbers


okay <B>, ya uh


ya I I mean when I was younger I always sort of I I guess I believed it lah but then as I grew older I realise it's not really the thought that counts you know you can't just go up to someone and like eh you are are I thought about doing this but, I couldn't but you know at least I thought about it so that means makes me a good guy ya I I I figured out it doesn't work that way it you know you really have to actually do it


ya if you ah because at the same thing you can say actions speak louder than words and then ya you have to prove you have to back yourself up with the action, you know ya I don't really have a specific uh


a specific incident to to uh pick on but ya that's just something that I realise it's not so applicable when you're older it's more than the thought that counts, how about you


ya


so ya it is it's more, the situation you are in you know sometimes other people get a lot of help externally or from the people around them and they just can help them push them to greater heights then the someone who starts off with nothing and has to work his way up that's what you are saying right


(mmhmm) ya okay ya <B>, describe an event that made you really furious


do you ever had anything you know where it just


ah okay how about I go first how about that, okay for me I don't like people who don't play as a team you know especially like in in in, in uh school you have a lot of project works right and then you always have this one guy I don't know why so for me during my PW days uh project work in JC K I I had this guy this teammate


he always like whatever we did as a as a group we would discuss and we will do it and then he will like okay good job well done guys then he will go home and would like just redo everything in his own words and then the next day is like okay guys I made this corrections


and the thing is okay sometimes it would be better than what we had in uh originally done but I feel like he he did this consistently and I didn't know what he was trying to do maybe he was just genuinely trying to , to help us in a way but sometimes it came across as he just he wanted to prove that he's better than us and I just couldn't understand why lah


and then he would like when we had discussions with the teacher and all that he would just sort of downplay the work we did and then just claim that he did everything and just uh ya sing his own praises in a way so I really couldn't get that lah and it went on for one whole year


you know I've like no choice but we had to work with him ya so I really found that uh quite frustrating lah especially the whole year you can't change your teammate you just have to work with it, ya how about you any similar experiences


positive experience, okay okay okay I just got to say okay we we have to start off right here what is your favourite childhood food or snack alright we have to start off with the question ya uh for you what what do you think is your favourite childhood food or snack you know


is it okay ya


I see ya, ya it's it's lost its oomph certain you know the you know the nostalgic feeling ya okay I agree ya I I see where it coming from for me my favourite childhood snack you know it's the you know after school when you you exit school and then the


ice cream man is there with with the fan know he's ringing the bells and then uh like everyone just rushes over to get the ice cream, ya that ice cream that ice cream he is different I mean now if you were to go back and you get and then you are like yo man what is this compared to my ben and jerry's you know compared to my my Häagen-Dazs you know it of course the ones we buy now it's so much more


luxurious you know the ice cream but man those you know it just brings you back you know getting this this cheap uh dollar ice cream you know in the bread, ya ya


ya exactly exactly with your friends and !wah! the memories did the memories ya, okay okay, but okay


from my younger days ah I mean just now I I started off by saying I my hobbies you know I love to play sports so my younger days since primary school I've always been in a sports CCA lah, so for me I was in rugby in primary school ya I mean I would say my you know it my my my rugby career like throughout my primary school that will be one of my happiest memories ah and I no I really


uh cause I love playing it and then of course you make friends with the team and you bond well and then going down you know competing for your school uh, uh we even made it to nationals ya I think we got third placing so of course if you don't get first we are upset but you know to make it so far beating all the other schools right


and then like your your family come down to support you in those games ya it's quite a a heartwarming experience ah and I'll I'll always remember those good old days you know even though it's so long ago ya really meant a lot to me back then


ya how about you


I see (mmhmm), ah that's nice that's nice so you all are still in contact up till today oh that's nice okay ah, this one this one point over here what is a skill or ability that you are secretly proud of having


anything do you have one, it's not not a secret ability it just any ability that you are proud of having ah


ya ya, okay that's actually uh ya it's it's a good thing lah especially nowadays you know people they so much gossip you know flying everywhere sometimes people just need someone to hear them out right and be there for them


ya that's nice that's nice uh, for me uh not not so deep as as what you just mentioned for me uh my skill will be how to say like I'm a certified uh lifeguard lah


so I feel like it's something you know not many people have and sometimes people are just like a lifeguard you know that that's it but I feel, it's something I'm proud of having you know I have to go through the training for that and you know so along the way of course I know CPR first aid so I feel it's it's really beneficial you know not many people know this but when


when push comes to shove when something really does happen right at least I know that I'll be there you know if it's a family member or even a stranger I know that I have the necessary skills to uh, to just help in that situation you know so ya that's why I'm proud of it ah cause I know not many people have that skill ya and I'm I'm just happy that I have the knowledge you know to to make that dire situation just a little bit better


for for those involved lah ya, thanks ya, (mmhmm)


ya alright so next time we go for swim just give me a call lah no problems uh


oh what are the dreams and goals that you wish to achieve before you die !wah! that that's quite a deep question, yes okay for me


in a way I would say I'm I'm a simple guy lah I don't really have any big big dreams you know just, to have a have a house of my own have a uh uh happy family you know maybe two children, uh ya I just


bring them up well and then of course to maintain the the good relationships with my current family my siblings, because I feel like nowadays many people are very self-centered you know as they as they grow older they just slowly lose connections with their parents with their siblings and they go on to lead their separate lives so for me that's one of my


uh my goals I mean not many people will think much of it but for me it's to, as I grow older is to maintain the relationships I have now and even to strengthen the relationships I have now because we can't forget where we come from you know as we progress with our lives we have to


you know we we can't I find many people take their family for granted nowadays and I don't wanna be those kind of people lah, ya so just I guess my goal is you know have a have a have a decent job have a a a lovely family and of course keep uh keep in good relations with my current uh surroundings as well ya


no real materialistic goals lah in a way, ya, the memories you make ah the memories you make is more important


ya uh, how about ha the last point what is the comfort food that you can always rely on to cheer you up, oh ice cream okay


for me what is comfort food !huh!, I mean I I eat you know all sorts of cuisines you know asian indian chinese uh italian everything but that one comfort food for me I would say it's probably a a soup or


stew you know ya I I really feel like there's something very warming to it especially but you know in <B>


you just dunk garlic bread in there ya so you feel me ya exactly so ya it's it's not something a lot of people would say lah but ya for me it will be soup,


ben and jerry's uh uh what what flavour, (oo) okay


okay ya well of course I've tried cookie dough ah ya,


K that's interesting, for me uh describe a moment I think stand out better than expected for me uh I don't really think there's been a occasion where things stand out better than expected ah not saying that everything you know not saying that everything happen badly but it's just that I don't really have


high expectations you know I'm always I'm the kind of guy that you know whatever happens happens I just go with the flow so for me ya I don't really you know expect something but then when I don't get it I'm disappointed I'm always open to as it comes I just deal with it and react and move on


that's just who I am, but of course I I could say maybe my PSLE oh no actually my O levels when things turn out, better than expected I really didn't expect to do well honestly I didn't I didn't know ah


if I could even make it to JC at that point you know like coming out of the O level prelims and then I got called up to the principal's office and stuff and they were like, you're not gonna make it you know you're uh I wouldn't be surprised if you struggle to even get into poly and then I was like !wah! shucks ah I better work hard man so


ya I did and ya I guess it turned out a better than expected and ya I made it to JC ah, ya so that's one experience for me, how about you


oh


it never works right right ,


damn


ya ya, I mean you just say you you both agree he didn't study but then he just say you know you're burning the midnight oil and everything, ya okay that's nice ya dude ya


this kind of people ah uh assume so (hmm) anything else


uh what what's your best birthday present and why , anything


!aww! that's nice, was it was it your first console of course ya the first console, (mmhmm)


, (oo), the cool kid in the block ya the the first console it's always a special place for any boy you know we always will never forget, uh for me my best birthday present uh actually it's my it was my uh tenth birthday if I remember correctly I wouldn't really says it's it was a birthday present it was more of a party my parents held for me


so what they did was they invited uh my all my friends from primary school and my family my cousins we are all around the same age group so basically all the people I enjoy being around with, and what my parents did was they organise this in a way play date so we we had a archery bowling and a laser tag you know what's laser tag


ya it's like bullet it's like paintball but with lasers instead of paint right , so when I did this at when I was ten with all my friends and it it really left a special place in my heart that day was a was really fun-filled day honestly so I wouldn't say it's a gift it's a it's not a birthday present but


the fact that they organise this for me and I now thinking back I know definitely wouldn't have been a cheap thing to pull off lah, definitely will have been quite a bomb but do you know they thought about me making those memories and having fun on that day and ya I I still remember certain highlights of that day


it was it was quite wild to to be honestly speaking yes it was lit, lit ya


yes correct correct ya, , ya talk about experience you talk about a time when you experience personal growth


so you are saying your [oh] okay


finance, okay uh so the first question is that if investing or trading similar to gambling okay for me uh I'm just going to say that I feel that ah


majority of the part it is similar to gambling especially when the person who has initiated the investment okay has uh little to no idea of how it works especially that is when like let's say they are try to determine when to buy a stock it is more about


uh their own personal feelings which is also what gambling, uh for especially new people is uh about as well


okay but actually uh in gambling right like uh things such as like uh poker all that there's actually some sort of calculation they call it uh like card card counting okay so that is I guess in some casinos it's banned ah it really depends on the casinos


okay so that is where your like I I feel like it is not exactly the main point lah card counting is a sort of like calculation as well so in gambling there's also a lot of different kind of calculation like let's say, uh there are a lot of uh picture cards on the table uh then you would expect like your own hand to I'll get back you would expect others not to have


as many pictures card picture card maybe all the picture cards are already on the flop ya so that's a sort of calculation as well, or act , or maybe you got some other points that you also like want to agree with like besides calculation


, okay uh ,


like okay like ya that's the thing like uh a lot of people don't get right now is that there is actually a correct way to invest, a lot of people just like uh on their own beliefs and stuff just uh think that this is the way to do it uh but then that is when they ended up like setting their path for failure ah I agree with you on that lah ya on that point that you noted


ya I I agree on you that, yeah and for me okay I'm just gonna jump to the next question which is uh are you familiar with investing if yes how did you start if no why not okay so for me uh I am somewhat familiar with investing, okay but uh it's quite a very uh small scale thing okay uh I'm not sure if it okay you have you heard of the app IQ option


ya ya so okay uh that app allows uh, uh you to actually trade okay uh what I did was uh binary options okay which is similar to digital options which where you just have to like it's like similar to uh stocks okay so you will buy and sell


like uh at a higher and lower price point and let's say you buy at a very low uh price point and the market fluctuates so high price that is like the best part to like sell then afterwards you get your money from that okay so that's what uh I'm familiar familiar with what about you


ya and uh speaking more about the app uh which actually got me interested in investing products in the first place, okay it's a very a friendly thing towards beginners whoever is interested in uh investing but then the thing is that there's also a lot of uh different things that you have to do like using financial tools uh different graphs and readings okay


ya, okay ya so , using that I feel like it's a good way to get people started but I won't say that people should just suddenly pour their entire life savings into one uh app I feel like it should it should be instead use to like a stepping stone towards uh exploring on investments


okay uh for this I'm not too familiar with it so why not you uh educate me on oh what are these two


but what difference does that have with uh other other like uh financial instruments like trade ah insurance uh investments all that like uh you said that it's uh sorry can you repeat your sentence about what you said about storing into one place


but wouldn't that just be the same as like taking uh like your okay let's say you take your capital K that you're meant for investing and then you just play it among like five different companies but what does that have to do with ETF like okay there is that so similar or what


then why is it like so much different why is it more safe I don't that's what that's the point I don't know ah when I when you say that you prefer ETF,


, okay no worries but then okay uh there's more more interesting question I found here uh the stock market is not the economy what are your thoughts on this saying, okay for me I'll would would you go for or against this statement


agree or disagree, why


okay uh then let me share my point of view first okay uh I feel like, uh okay since you are gonna be talking about why it is not the economy I'm going to bring up some pointers as to why it can actually contribute to the economy okay I feel that okay in larger countries okay uh in america all that I feel like


stock market actually can bring up the economy pretty well, because of uh the larger population especially okay, uh and uh there are many many many more companies in america are running as compared to singapore singapore is a very small nation with a very small demographic okay the people's only a millions while americans is few hundred millions and uh china even more okay so I feel that it is


indeed part of the economy and makes up a good portion of the economy when it is involving big countries like china with many different MNCs, okay especially when they have a big demographic as well but for singapore especially our conservative society I don't think that is the case


what about what do you what do you think now uh that it as to the not portion of it


okay , ya like I agree like uh


the economy is made up of uh investment strategies but I like and like like investing and all these things but investing strategies and everything else, uh is not made up by the economy yeah that's what I get by when you say it's not


ya


oh actually I've heard of it but can you share and elaborate,


ah yes


okay


oh okay


whereas like a CDP account it will be a higher brokerage fees is that right


ah


no what about in singapore, ah so either one is available


ah okay so it's more flexible the way is it


ah okay [orh] okay that that is a risk in itself okay


yes I agree ya okay ya that make sort of sense ya so now ya I'm more enlightened about what is CDP and custodian, okay uh what about kay


uh let's look at another question, okay have we went through what does investing mean to you


ah okay so you got any other uh interesting question that you saw,


(mmhmm), oh


yeah and also I feel like these are the kind of things right, why uh we have this kind of questions such as do you think investing or trading is similar to gambling because like this is where like uh there is a lot of difference ah in the strategies one strategy is like a very long term uh safer strategy while the other can just cause you to lose your life savings in an instant


yeah but the thing is that right uh I feel that, people everytime when they talk about like uh investing is like your


way to success all that stuff yeah I feel like uh not really and everytime they bring up names such as like warren buffett okay warren buffett I feel that is a very extreme example okay he okay was not just a


investor okay he was a big investor yes he made a lot of visible of our instead investing this correct but he also had a lot of, entrepreneurship skills okay he also knew a lot of good traders and he was mentored by very good people so this as a reason to like


like be like okay you know what I'm gonna quit my job I'm gonna go for investing I feel like it's too weak of a reason I feel like it you're just it what's the difference between you and like between you going for investing and gambling it's about the same thing already when you want to bring in people like warren buffet all that


ya and also and also like if you look at like uh forbes, uh four hundred richest list okay uh almost all of them right made their wealth of of business it's entrepreneurship all entrepreneurship very little actually


make it to the top using just investment alone it's usually investment plus entrepreneurship which actually makes uh them successful not just that alone that's why I feel like uh singaporeans and especially like who actually get into trading shouldn't uh exactly


uh just just because of uh a few lucky moves they made in the stock market like end up just like quitting their job and then like making their investment their main job and like forsaking everything else


, negative experience, okay uh now we move on to negative experiences okay,


okay, the okay let's start with okay what kind of person do you hate the most we start off with like a strong question first


for me I feel like I really hate people right who will like uh let's say okay you did something K it's your fault but when you talk to them they start off immediately in a angry tone, like that just really like pisses me off lah it just makes me annoyed like you would talk to me like uh nicely first you


tell me properly like okay what did I do wrong okay then I will apologize for it I I don't show any kind of like pride in apologizing I'll just if it's my mistake I'll apologize that I have no, uh, restrictions in but when people just start off the bad like just start flaming you ah angry at you then that just makes me even want to become even more angrier than them like it does not help me that the person is angry right out the bat even if you let's say justifiable


ya I feel like you should at least like uh talk to me calmly first like tell me my mistake let me apologise and then I'm I'm usually sincere about it and then we move on instead of just like, trying to like uh make things bigger than they are ah they just those kind of people are people that I really cannot put up with


ya ya, ya that one really annoying, okay let's see,


okay describe a time, sorry sorry no you okay you you go ahead you go ahead


okay


okay ah let me start uh with uh one topic first okay uh for me uh describe okay, I'll


okay uh let me uh start first ah okay uh okay so describe a time when you felt trap or helpless okay


okay sure


(ppc)


ah okay so uh about the first bullet point describe a time when you felt trap or helpless, okay for me, uh this would be when I was struggling for my O levels okay I was feeling that


uh would I even make it or not I felt very helpless because I, at the point of time didn't really take up my tuition as well, I didn't really share it to anyone that I was having problems, with uh all my studies so I felt very alone so I would always go to study after school okay at the school uh and it didn't really seem to be working ah and I felt that like why am I not being able to perform why am I like like it kind of


am I like a dumb or anything like that I was doubting myself already because of uh my inability to like cope with school and the lessons that were going on, but, in the end I felt


ya there was a lot of self-doubt


but at the same time it's sometimes uh like this kind of student like what we experience right it's not exactly like uh our fault sometimes as well it's more about the education system especially since like uh O levels you take a wide variety of subjects


because I've heard of stories where like people actually flunk their O levels but when they go to poly especially when they go to a course then they are interested in that they like and they wouldn't mind pursuing in their life, then it becomes a whole different story where they actually start to do very well because it's more towards what they want to learn as supposed to what they are forced and required to learn


have have you been look down by people in your life


I feel like this is a definite yes question uh because uh for me I, went through uh normal acad first, okay so during my normal acad year nobody really expected me to do well, then after my n uh my N levels then I made it to O levels O levels is uh as a sec five students so over there I feel that I struggle that is when I felt the struggle and I actually managed to make it J to JC as like a sec five student then


ah that is the only point where it turn around like where people start stop looking down on me but before all that uh I feel that a lot of people will like comparing me and others their my cousins all that like, oh he's express student why you like a normal acad student so this kind of uh stigma is also like very common in like uh families in singapore's where like if let's say somebody goes to NT then they will be like oh you know what their that's it that's the end up your


career progression already you're gonna stop here that's it ya but I've heard a lot of like stories where they work hard, to get to where they are in the big positions, ya you got any you have you experience uh some of these kind of things


(<B> mm),


but especially okay but when they look down on something that can't be changed right ah that is when something that is uh hits differently also, ya, uh okay let's lighten the topic a bit uh shall we go to uh what popular food do you dislike and why


for me uh I hate guava I hate hate hate guava I don't like guava at all, ya the fruit the drink any kind of thing that that has to do with guava I don't like ya even like the uh sweetened drink you know on the small bottle guava juice ya I hate that also


ya I don't like guava at all, I haven't, it's just the weird taste that it gives it's like very uh chemical like uh very nasty flavor like that ya


ya, I ah eh no no no I cannot, ya so that when people say I see people enjoying guava I'm like oh


ya especially like with #nasi lemak#, alright


ah what did you believe in when you were younger but not anymore and why


ya I agree, ah yes


for me uh, I feel that when I was younger I felt that if you had enough education you can become very successful but now that I'm at this age right I feel that okay uh even if let's say you go through so much of education right


anybody like let's say like who didn't even like go as far as you in education could just Hagar like go higher than you already, like it's what I feel like let's say if that they have the right ideas the enough capital they can go much higher than you even if let's say you complete a degree which is like something that like every like young boy like over there like wants to aim for their parents also want them to aim for all that


ya so I feel like education, used to be something that I felt that it's confirm going to make me like rich and successful but now I feel like uh education in is just the bare minimum like especially with like, so many so many people getting degrees and like you see like this kind of COVID times when like uh many like uh uh bachelors are struggling to get employed


even with a degree that they spend like their entire life getting and they still can't go anywhere ya so that's why I feel has a change ah since I become uh older in life


okay , that made me really furious uh


maybe what about you first


something that made me really furious ah


I feel that, uh, K let's see uh, [orh] okay I can remember already so uh, also happened uh in JC okay uh when my


very good friend right like I he I can see that he was going through a lot of problems and stuff , and as a best friend it's was like uh kind of my duty to support him to uh be there with him and all, but when he shunned me away like as though am I outsider


it actually instead of like making me want to help him ya actually made me really really furious at him, because I feel that if I am your best friend and I can't even like ask you like oh what's wrong like can you please tell me like what's going on in your life, then what am I to you already I've then at the point of time I was really furious ah because I was just feeling very useless as a friend


and that I am not be able to be there for him and his not letting me be there for him also like I understand if he needs isolation and all but , like I felt that I I thought that I was I meant more to him than just another friend, ya that's what I feel then I was I really lost it at that point of time


Saraf !oi! oh positive experience, okay uh oh


yup , okay uh actually quite a lot to actually list but favourite childhood food or snack uh I would say McDonald's


okay uh I know I know I'm eating McDonald's now as well but then the difference right is that McDonald's used to be like a very big deal in the past like okay every saturday sunday okay let's as a family all go to McDonald's or like uh eat over there and then McDonald's will be like a you know like a premium food back in the old days


then I feel like it's lost like its uh value ah like last time we used to be like uh oh McDonald's like that but then now it's just like, ah oh McDonald's okay lah whatever like that, ya ya it's lost the oomph


ah


ya exactly,


ya especially after primary school like you going back home then it's very hot and stuff and then the ice cream man is just there you are like yes let's go, , ya agreed


, , okay uh what were some memorable moments from your younger days


for me my memorable moments are actually would be, uh for the first time making really good friends well okay uh , at the start right you only have friends all that okay but the first few best friends that you make right actually uh change like drastically like it makes you okay cause like as a child I was like a bit uh introverted it might not seem so now but at the at the start I was


so I didn't really have a lot of like uh close or good friends, they were they were just friends only but then I met this uh boy ah then he was actually uh ended up becoming pretty close to me and we went to each other's house to share snacks every time and then once we went away from uh secondary school we also had uh contact ya uh and


we become closer ah then I feel like those days right when we grew up together, like from uh boys and now we are looking forward as right now we are almost adults already it's a very pleasant feeling ah I feel that we have gone through so much things like ah grown grown so much as a ah people


uh have like made wonderful memories all that, so ya I would feel like growing up itself was actually a very memorable moment for me


secret ability ah, , okay okay I feel like that okay this , ability like okay I am actually a very good listener


okay uh wherever people have problems or anything like that they usually will go to me because I can, ah listen very neutrally because of what a lot of people like end up doing right is that they will listen, then they will give feedback or like uh opinions or their own


uh biased views all at which actually the the people having the problem don't really need the moment all they sometimes need is just a good listener and I feel like uh as a friend I can achieve the role very well like without like inserting my own views opinions even if like let's say it's like a


thing that I personally don't agree with I won't ever like mixed in my views especially when, ah it is something that they would rather not have heard during their like crisis or point in time or point in life when they're complaining of the problems


, , , ya, what about you any skill


ya that that is actually quite cool though, ya I I honestly like especially like people like me right who don't know like swim don't okay I for me I don't really know swimming that much like uh only went through like primary school all that so


very basic ah so like maybe going like people like you around will make me feel much more safer ah like if let's say like anything were to happen then like uh there will be someone I can rely on like instead of like uh, being like worried like oh what if I uh actually go to the deep parts all that ya and then I feel like ya it's kind of like skills like which you may not think would be like uh useful right end up being useful especially at the crucial moments


, ons I'm down for that


, deep question yes , okay uh let's start with you


for me uh honestly right my dreams and goals are, about err similar to yours I would say like uh mainly the part where like I want to like have a a good, uh life ahead ah like uh like uh life wish right


I can think oh !wow! okay it has really been a wonderful right like that uh like where I would not really have much regrets where I can say that okay I have successfully live my life like however I wanted and I am okay ready ya


I'll feel like it's , those kind of things ah these achievements be it big or small that I would like to conquer along the way instead of like missing opportunities, not not really ah ya ya it just about more mainly like being happy all that stuff ya and uh


!huh!, ya ya really ya, okay uh, like what do you say just now ben and jerry's


yup ,


ah okay ya mushroom soup with good stuff, ya, but for me hands down I you have to say it's a ben and jerry's for sure ya like okay it's like uh how to say ah


okay flavors is either uh chocolate therapy or chocolate chip cookie dough, yes !aiya! both are good stuff if you got if you got try before you should try again,


okay uh, next time we try together, , K uh let's see, okay let's uh go for this describe a moment when things turn out better than expected


are you sure ,


okay for me my experience will also be something related to school, okay uh it was during my uh JC two prelims where uh my bio paper was next at uh two PM okay so I was studying and studying past like midnight oil I was burning the midnight oil like mad okay but then nothing was going in afterwards I was about


one hour in to studying and I was like you know what never mind ah let's just study tomorrow but that study tomorrow tactic always never works like you will say okay I'll wake up early tomorrow and study but then it never works ya, so what happened is that okay I overslept


overslept until maybe about one two hours before the paper I woke up , then I was like oh shit okay here we go okay then I was thinking okay let's uh study as much as I can lah so I went for the exam then I'll did it then I thought okay you know what okay I'm gonna be eh uh honest okay so U I'm gonna get a U for the paper but then when it came back right I got a B


I got a B for the paper and I was like !whoa! that is legend ya you know I was telling my friends you know like I never study I'm confirms like I'm I'm not gonna do well then when he get back the paper he was like ah shit okay okay ah here we go I only got like a E


then afterwards when I got my paper I was like a B then he was that he has about to like uh flame me cause he said because we both we both agreed that we didn't study but then in the end I got B while he got E, ya


ya , then you like becomes ah become those like typical like closet muggers like who would like say oh I never study never study but then end up studying


ya , err , ,


best birthday present ah uh , I would say when I was I think seven years old I got my PS two for my birthday ya and I was like a it was like a you know a cool kid thing I was like yo ah


ya ya it was yup then I went to school then I was flexing everywhere like eh guys uh what games do you have ah they asking me like what do you mean about games then I like uh like any console or what then they say no ah don't have I like ah okay can then they ask me why I got got my PS two


ya ya , (oo), (oo) ah


ya I don't


, it was lit it was lit , ya ya especially like this kind of birthday parties right like ya it honestly it makes you feel like uh very loved like you know like you feel really surrounded like it all you got people around you that care for you love for you and you don't really feel


especially during the birthday party in the moment you will feel like ah there's nothing else that I need life besides this, ya


personal grow far is especially now that I'm NS uh I feel like like learning a lot of stuff ah like uh especially about management since that's was my, ah course asked me to do so about uh management of uh other courses as well ya so I feel like that we are eh ah time management has become something that I've gained as well like especially through this uh few months


finance, oh hello#zahid#, uh uh we'll today we'll like to talk about uh our finance uh


so I would like to ask you uh and your opinion about how you would go about uh to invest your money to accumulate wealth and how would you go about planning for your retirement


there isn't a plan okay uh anything you want to ask me, say it again


, uh the same as you lah actually I'm also just not just lah I I came back from my studies abroad and I'm I'm currently not like uh in a full time job so I don't have a stable income


but uh I'm I if I do have a stable income and a stable job, uh, I would like to invest in, uh my friends actually work in some of my friends work in Manulife where uh they are financial planners so they have uh investment products which are shariah-compliant


I think you know Zahid what is shariah-compliant meaning ah ya muslims can use it so uh I plan to invest in those products, because as muslims we have restrictions in what we can and we cannot invest so uh I would like to invest in that but that being said


uh I actually prefer not to you know pay the premiums uh like monthly like every month you have to fork out this amount instead I would like to pay the premiums like annually so I won't have to think every month about


uh you know putting aside some money for that instead just put one lump sum or just pay annually, ya that's how I go about investing


ya but then you don't have to think about like okay do you have to put aside, ya you have don't have to think all the time you can just put in one big saving uh account uh or put aside some savings uh and you can just pay annually from that savings lah you don't need to put aside every month a special uh uh


like account or a place for you to pay for the premiums so but !aiya! that one it takes a lot of patience lah actually because to get good returns for that it takes from what my friends say


to get good returns you need to wait for at least ten years at least ya, so that's how I would invest my money lah for now so I will ask you another question


, okay if uh let's say you say you haven't have a have a job and everything but if you do have a job and have a stable uh income how would you uh do ya


monthly expenses ya like how would you you know compartmentalized or give out your expenses and for your savings how how many percentage


uh so


so you were saying that it's mainly it depends on the amount of income you get lah, uh okay, so let's say if you have like uh a considerably like uh good income for singaporean like


I don't know around four thousand or something, so how would you go about dividing those like expenses like fifty percent for that or


, okay


so you want to ask me anything, owning a credit card I think it's not a necessity ah for someone who doesn't is isn't involved in any businesses that requires him


or her to have a credit card like if you are a businessman you need to buy stuffs on credit then most probably you will need a credit card lah but then for a normal people like us you know just


uh not you know , employees working full time uh with no side uh businesses I think uh credit cards are only like temptation


like you will only be tempted to buy things out of your budget, ya


uh but uh normally the risk of having a credit card for me lah it's actually you know


not being able to pay at the dedicated time and then you have to pay more you have to pay more interest because of that ya so, I should ask you another question okay you say you are a student and you don't have any like


job right now so uh, what do you think are some of your spending habits that you have to change, uh in order for you to you know uh have a good saving and you know plan to if you plan to get married then you have to save up lah what what are the uh spending habits that you think you should change


instant, uh for myself I think, I'm quite similar with you lah I don't spend much on clothings on luxurious stuff like buying the latest iphone model or anything


but one thing I would like to cut down on or uh, save is uh how would I say this, I like to go out with my friends and then end up spending a lot on like my on food


uh on transportation and also on uh on, transportation and like we like to do recreational sports that requires us to spend some money lah like,


playing bowling or anything I I think I would like to, you know cut down on that ah, and you know uh instead of eating out a lot which I do I would like to you know cook my own food and uh eat at home lah


when I was a student abroad ah uh I get like scholarship and there's a allowance so for the allowance normally what I would do is I would set aside for the necessities like house rental utility bills


and transportation uh and after the transportation and after the necessities normally uh then uh I would dedicate like uh a percentage


for savings ah like uh fifty percent of the remaining I would put to savings and then the rest is like for leisure ah to eat outside, or do anything ya so basically the my habit is uh do all the necessities first and then the remaining fifty percent of it savings


then the rest do what you want with it ya, how about yourself how is your habits


ya I get what you mean it's actually a good strategy lah because if you have it in your normal bank account then you just spend spend spend until it's finished


so uh Zahid another question for you uh what can you do to earn extra income or to improve your income level


uh what what is vocational job can you explain


so do you plan on doing those jobs in the near future


okay understand, okay for myself I guess coming from uh uh islamic background so teaching is this is what my friends do lah my circle of friends they have a full time job and at the same time they will do like uh part time tutoring


part time tutoring in the night lah after their after their full time jobs and also during the weekends ya so, and actually this part time tutoring and part time jobs ah actually pay


quite good lah so, I think that's how I can uh increase my income level, but then again, that is for part time jobs but for the full time job I think the best way to uh get uh improve my income level is also upgrading the skills lah


with the uh the, government giving us the SGUS and everything I think we should use that opportunity to upgrade ourselves, and upgrade our employability lah so people want to employ us ya


in a post-COVID world okay so in the post-COVID world like we I don't know what to expect lah is it going to have a rise in the price of foodstuff and uh transportation fare or whatever but


to be on the safe side I I'm expecting uh a rise in the price of everything lah transportation, uh F&B in industries and also like GST is also going to increase


so ya, uh for me, I definitely uh think that, transportation takes a lot of uh your money so I want to cut down on going out even if I'm going out I won't take public transport


I'll just walk or just take my bike because I just bought a new bike so, if I want to go anywhere that is still within the reach of a bike or uh walk of walking I would just go for that lah and not take public transport and also like I said just now I want to cut down on eating outside


ya and just eating more at home how about yourself


yes agreed, so should do you think I should should I do DIY or get a financial advisor to plan for my finances


for myself uh with my current situation and my current knowledge about uh finance and everything I think it's best for me to


you know have a financial advisor but like you said it it might uh be costly for me, who's just starting on his journey so, but thankfully for me I have friends like I said uh who are actually freelance financial advisors and ya like you said uh it's not a good idea to plan out


your finance uh entirely on your own because you are new to this stuffs so I will definitely like ask for help from my friends who are financial advisors lah, ya and


negative experience, okay shall we get inside it so now we're talk going to talk about our negative experiences in our lives so I start with the first question for you uh describe a time where you feel that nobody cares about you


to be honest , I felt like this when I just came back from my studies abroad, uh, uh not just came back lah a few months after I came back from studies abroad I was still jobless and I didn't have


you know any uh thing to do at home uh I will just everyday was the same thing you wake up you eat you sleep so uh that I felt like nobody was there to you know help me start out


on this journey lah of you know being financially independent everything so uh at that time uh it was quite uh sad lah that uh nobody actually


approached me you know to give advice on what to do what not to do, ya that was when I just came back lah okay, for the second question talk about the most heartbreaking moments in your life


okay, yes agree


, okay one of the heartbreaking moments in life is


, it's part of uh romance romance or love life ya uh I think you know what happened lah uh


because uh you put in a lot of time and effort in something but then it turns out to be nothing you get what you mean ya so that was one of the most heartbreaking moments


okay any questions you want to ask, uh


what I did to get over it was actually, that uh I reminded myself that you know this is life things happen you know you just have to move on, uh, uh and something better will happen for you lah so that's how I


uh you know brought myself up again so because this is life and like there's always ups and downs so you just have to move on ya how about yourself


do you like when you have a heartbreaking moment even though it's not as big as you said, uh what do you normally do to get over it


okay


that's good that's a good thing okay another question what are some of the hurtful words someone said to you that you wish uh to forget


okay similar to my surroundings like the people around me they, they don't uh you know uh say hurtful words towards me lah


but like you said they sometimes jokingly say things, uh even though it's a joke sometimes uh I feel it lah but I I don't feel it like I don't keep grudges or anything if they say those kinds of things I just feel a a little bit of pain in the heart but then I just forget it


like they say, uh you have high education but you are still stupid or something like that, ya like uh, something like that it it is a joke obviously but then you sometimes feel it lah but then you forget it's uh I don't keep grudges


ya, okay describe a time when you felt betrayed


ya that's good, uh for me


this was this was also related to love life so called, it happened when I was studying abroad uh in turkey so I like this, girl there and I have this friend


a a guy friend, so I asked him to hook me up with the girl, uh but then they said, uh he tried he tried uh


but then the girl, uh, not say rejected lah the girl said, I'm not ready for this or something like that, uh, something like that but then, after a while I got to know that the friend that I ask for help actually got married with this girl


uh, so I don't know if it's something to feel betrayed about lah but I feel a bit betrayed but then even during the wedding I was there so uh I think I forgive him already so ya


I forgive him already okay what was the saddest moment of your life


uh let me see


what made uh what part of the polytechnic life that make you feel that way


is it something do you want to talk about it or you want to skip, oh okay, for me the saddest moment of my life is actually, uh when I


I think it was the moment, moment where I had to leave turkey, you know the place I studied uh it holds a lot of memories for me uh even though that time I didn't know that I was not going to return back there it was still one of the saddest not the saddest moment but one of the saddest moment its moments in my life lah


because uh I have made a lot of friends a lot of memories uh I have a lot of teachers there also so ya one of the saddest moments of my life was leaving turkey


okay what is a popular trend now that you dislike


oh you don't want to answer, okay understand, for me


uh there's a trend of my thing lah what I can see, is the , it's got to do with mental illness I guess and depression and everything I am seeing the younger generation uh


you know getting more uh diseases or mental illnesses uh, this is actually not seen in my generation ah uh I'm nineteen ninety three but uh the younger generation seems like they are going through a lot more stress uh a lot more depression


I think it's got to do with , the high expectations of life in especially here in singapore now, because they are facing uh a lot of competition they're facing a lot of challenges


uh especially in this COVID period ya so this trend is a worrying lah if the young generation is like this uh I'm I'm very worried about even the later generation like if I have kids ya


that's uh that's one of the trend that I don't like, okay describe a time when you felt like giving up, uh uh okay ya your poly life


okay


okay what's the worst thing you've witnessed and kept quiet about


, for me, I guess


is the same thing as you lah but instead of a friend is actually a sibling going through an episode and I was just at the sideline like just looking and not doing anything but now I think


I'm trying I think I'm trying to get into his life even though he's resisting, ya but uh I, think the resistance is going to wane off soon ya you just have to keep going on it lah


ya, some people like that you just need to keep you know pestering so they will like uh make you come into their life so you can help them, ya okay


uh what problems or issues keep you awake at night


for me okay


positive positive experience, okay Zahid now we're going to talk about our positive experiences in our lives so uh I'll ask you the first question what are small things that always make you smile


!wah! that's very nice of you, uh for myself small things that makes me happy is actually uh food good food and good company ah


ya if you have good food and you have good company and you have good health then it is enough to make you smile lah ya, so uh onto the next question what are the sacrifices you've made that is worth everything


like do you think that uh the time and, effort you put in your education is a sacrifice that is very eh is worth it


okay for myself I think the sacrifices that I made uh into my education


uh, uh it's worth everything lah it's priceless lah basically uh because uh I'm I uh, I am not where I am today if not for my education ya so uh and this education sacrifice is not only made by me but also my parents uh they sacrifice a lot uh resource of their resources for for me


and also for my siblings to get the best education they can, uh ya, that's what I think education is the uh one of the best sacrifices that I've made lah, ya okay


what is the best period of my life, my, think the most happiest moments of my life was when I was in uh pre-university level


I think ya because firstly is because of friends ya I made a lot of memorable, moments with them during my pre-university level


and also those friends are still my friends until now, ya so, and also the education I received at that point of time also helped a lot in terms of me getting a


a good course in in my degree level which I did overseas ya so that's the best period of my life so what's yours


oh okay okay, describe the best movie or TV show you have ever seen and what do you like about it it doesn't have to be the best lah can be one of the best movies


yes, about me for me, I like the trilogy of uh lord of the rings trilogy, because uh I like how all the characters


even though even though their roles are small, they all are playing a part in what uh reaching the same objective which is to you know destroy the ring so everyone is playing a part at different parts of the world of the middle world as they call it


uh so it shows that uh we as human beings can actually work together in different parts of the world that uh we can work for one cause lah, ya, and also the


it was shot in new zealand I think and new zealand is also a very beautiful place ya, uh and also the epic battle scene ah can really make you emotional


I like the the best uh battle scene for me was when in the second movie when gandalf arrived at the helm steep that was the best part for me ah, ya, okay


okay uh for me it's uh rize in turkey it's a city in uh


uh the northern region of turkey on the shore of uh the black sea, so it actually uh it's a mountainous region ah actually mountainous region with a lot of mountains and there's a lot of plateaus over there plateaus meaning like


very wide spaces of green uh at very high altitudes, ya so I went to this one plateau over there and the view was amazing so I can't forget that uh experience lah so if I could I want to go there again


and there's another place I went to this plateau and then there's another place there also in rize which is actually a, mosque on top of the peak of a mountain so when you're on the mosque you, you can see mountains around you and it's very beautiful and we got the chance to actually uh see the sunset


and that time when I went with my friends so that was also very beautiful rize is a very beautiful place so what about yourself is there any place


okay understand, K what are the three things you are most grateful for in life


uh, uh my answer is mostly the same issue lah so the first is uh family especially parents


because they uh they are the ones who supported me since, I was very small, uh, and they support me in whatever I do as long as it is beneficial, ya and secondly is my friends they are also a great support uh system for me because uh they they like to give advices


uh you know on how to manage life and how to manage your finance and everything so I am very grateful for them lah uh, uh and the third one is also being born into a country like singapore lah


ya not not uh like, we could have been born in another country but singapore is one of the best countries to live in, for now ya that's all


what's one thing I love about myself , okay , , I like about myself is that I'm not very fussy you know like very detail person in everything


I do uh some of my friends you want to do something they have to scrutinize every detail and make sure everything is correct uh and that and at the right spot and that that takes like a lot of their time and a lot of their energy


so one thing I like about myself is that I'm not fussy, and another thing is uh I think I'm quite well-mannered, ya that's what I like about myself yes I am how about you Zahid what do you like about yourself


okay that's good, okay during your free time when you have uh nothing


important to do what what do you like to do to unwind and relax


for me basically what I like to do is just turn on the TV and watch whatever movies, uh that there is on the TV and also watch Netflix but if I have a a a bit of energy then I would like to go out and walk around


uh go to parks or malls and just look around, but if I have more energy then I would like uh sometimes I like to go for a run or just cycle around and just you know be alone, in the nature ya that's what I like to do


okay one one question for Zahid what is the proudest moment of your life up till now


okay, for me it was the time when I became a teacher for a while actually it was just only like six months and I became a teacher to undergrads teaching islamic subjects so I felt that the time and effort I put in education


uh really paid off lah ya so, uh to be uh employed as a teacher uh I felt that uh I was good enough actually to teach uh


at that time I was teaching turkish undergrads islamic subjects in turkish language so I was teaching in turkish language so it really like made me proud lah, ya that was one of my proudest moment in life


seeing as how I'm still, a student and, uh, living under my parents uh I haven't started thinking about my retirement yet ah because haven't start working even, so uh


for now there isn't a plan, how do would you invest your money, for your retirement ah


how would you invest your money


paying annually also you have to think about it like, when you have to pay, all the time you don't have to think all the time


of course all the necessities first like housing, uh, uh food water electricity, that's the most important one lah, and then it all depends on, my income and


how much, is leftover after that then can for leisure or, for leisure ah is all is the rest of it mainly


be specific because I don't know, what I don't have much knowledge on, what things cost basically, so I can't really answer that question properly ah


what do you think about owning a credit card


in my opinion it's quite similar I say my opinion but, there's a bit more, use to it really, because, there's interest also right, if I remember correctly then you can


use the interest to gain some back ah


I don't really spend on much, besides food uh eh, yah really ah uh sometimes I, use the air con too much so the electric bill goes up


so, but I don't do like shopping a lot or, anything like that ah so I think, there isn't, so so much for me to cut down on spending wise


are you good at saving money


for me I think I'm not very good at saving ah because, I don't, have anywhere else to put the savings, I just, uh put it in my mind that I want to save this much but it's still in the same uh bank account so I


sometimes just go ahead and use what I plan to save so, uh for me I'm not really good at saving ah


I think having a separate saving account, can really help lah because, like out of sight out of mind you don't see it in your normal bank account then you think you don't have it so you can't spend it


you just you just put the money in your savings account then you forget about your savings account and just


uh well first of all, uh, in my opinion I think that, uh vocational jobs are, quite high-paying lah so, getting the skills, to


do a vocational job is, uh, something that can help get extra income ah, uh vocational job is, uh, something not anybody can do like


uh plumber or electrician or, car mechanic because you have to have certain skills, that are very specialized, like, not a lot of people want to do


yah yah that's my, like, plan for the near future like, by that I mean like the next five


in a post-COVID world, will you make any changes to your spending or saving habits


post-COVID world is, uh, still quite a, chaotic mess so it's, not quite ah yah it's, all over the place lah so it's


to be on on the safe side you can always uh save, try and save more ah


a financial advisor, uh might sound like a good idea ah, especially if, we we are like us we are really, new to the whole


having money a lot of money, uh, or a stable income, kind of people, but then again the financial advisor themselves are, quite a cost ah