it depends but if you were to ask me a question like like this and ask me choose right I'll choose cashback you can't beat cash it's literally cash back into your account , points it depends on how attractive are the rewards like you know what's the dollar to point ratio that kind of thing and for miles right I think it's I think miles is the most


it can go either way I but I think it's nonsense number one number one I mean like COVID lah I mean we're not going to be flying anywhere anytime soon and miles expire, okay that's true but I mean I don't even know if I want to go to japan at this point I don't even know if like my mum will let me leave the building to fly overseas


ya so miles is is is a bit iffy the miles expire then sometimes there's like conditions if you want to and the thing is miles is contingent on the fact that you want to travel overseas I can't even use the miles to do something else it's literally just to buy a plane ticket or like offset the price of a plane ticket


so it's very restrictive and I don't like that like what if I don't want to travel this year then my miles are all void


ya typically I see miles ya typically I see miles as like you know krisflyer miles or whatever which is the singapore airlines one and singapore airlines flights are not cheap you know if I were to go to say europe I'm not going to fly on singapore airlines if I'm going to go I don't think I'll fly on singapore airlines at all to be honest


it's it's just ya, okay


ya and I think miles are a bit old fashioned you know cause it would require you to buy the ticket straight from the like straight from the company


like you have to go to the singapore airlines website to buy it if I went to like booking dot com or whatever you know like trivago or what then you buy a plane ticket then you can't use your miles, I'm I'm quite sure ya and they'll have ya it's so much cheaper on those websites anyway ya


ya I think ya cash back but I think if points was attractive maybe I'll go for points cause you can exchange points for like vouchers and stuff then it's like free money anyway


ya I mean I know the UOB one card ya it's called one it's pretty good it has five percent cashback if you hit a certain threshold and that that's seriously very attractive five percent is a lot ya five percent is a lot I feel , ya and then you can also have like certain bills will count towards the threshold so you don't even need to spend that much every month because things like your utilities and your your broadband these things they will they they contribute to how much you spend which will contribute to


you hitting the five percent like reward ya


ya certain things you need to learn to like game the system you know like you know miles there are people who sign up for the card then when you sign up there is like a bonus like a sign up bonus of X amount of miles then they just sign up and then they they use the miles or something and then they like cancel the card which is free


ya then you just basically like farming all the points or the miles and then you're just like using it for your own benefit I mean I think it's possible but I I ya ya it's way too much effort and it's so confusing applying for these kind of cards, ya


ya, ya, that's true right next question question five what is your experience of purchasing insurance products from banks if you have such experience share the details so for me okay I don't think you have anything to comment about this right uh


ok, [orh]


insurance products from banks, I didn't even know banks had insurance products to be honest unless they're talking about like investing kind of insurance no ya banks DBS OCBC I know OCBC has like


some insurance products okay I'm not not very sure but I would have to answer no at all my insurance is from NTUC income all of it and even if I do have investment products from companies right it's not from


banks is from insurance companies ya like like prudential or like AIA ya so no, what is your sorry ya


uh okay it's okay moving on what is your experience of getting a loan if so share the details of your bank loan, so funny enough I had to apply for a tuition fee loan which is the standard like tuition fee loan for uni because medicine is like I mean I mean I'm studying medicine and then medicine is like pretty


it's pretty expensive ah it's like twenty eight point nine k a year so it's like almost a hundred and fifty k for the whole quantum you know so, when you can take a interest free loan you take the interest free loan is free money for the five years ya so I went to apply for it I went there to the bank officer he looked at it like my paperwork he was just like I've never seen this form in my life then I'm like what you mean like


I'm like so frighten you know he's like trying to say that I can't borrow money and then it's not like I have this money in the bank ready to pay NUS, then he was just like oh let me ask my superiors okay so it was like it wasn't it doesn't inspire confidence lah you know honestly , ya


ya, alright that's about it


okay, part three negative experiences, , okay nicole why don't you choose one


traumatic oh I have a answer I have a legitimate answer for this you know I think I told you this before I have a friend right from JC he's some he's a person called #zi xian# do you know who is #zi xian#


ya how do you know did I tell you, oh okay oh maybe okay ya so, ya #zi xian# it's such a shame you know like I mean I've been friends with him since only JC but to be honest I've really really like grown like like


I wouldn't say attached but like I I grew really close to him and then both of us were like we had very similar world views and then we had like similar goals and like drive and motivation in life but he was like you know the slightly better one because


he took things more seriously and then stuff but then after a while he like hung around with some bad company and then he eventually got mixed up with you know the wrong kind of people so one fine day I think what happen was his primary school clique


which are all like rotten apples then they invited him to go out with them and then he was very excited because even though he's very much a clean normal good boy, he wanted to bond with his old friends like you know sometimes you think back and you're like oh man I wish I could get along with my primary school friends or secondary school friends


ya so in the end he went out with them and then they happen to try ecstasy ya so ecstasy is a drug and like all drugs is a chemical, so I think what he tried was not a pure proper form of ecstasy he tried like a derivative of ecstasy which has a different chemical group or something


which was which turned out to be extremely, uh you know toxic to him and then it killed him like not immediately but eventually, ya like from I I mean I wasn't there but from just hearing the stories right like his primary school friends like what they like like second hand third hand accounts down to me because I'm quite close then they the girlfriend called me immediately you know like at a very weird time in the morning


and say like oh he passed away and stuff I mean in my mind that was like super traumatic, they say that he he took it and then after that he couldn't feel his like limbs properly then he started like punching the wall randomly maybe like he was a bit delirious and then after that he


like he had like a seizure and then he was sent to the hospital and stuff so in the end he didn't make it he he went to hospital not sure what happened there I don't know if the doctors even knew what was happening like what was administered but he just didn't make it and he just died in hospital, and I think what's more traumatic is like to me it was I went to the funeral and then I saw the mom there and then she was just like bawling her eyes out and then he's a he's he's he's he's he's her only son


okay and then just bawling her eyes out, and then like me and like my group of friends we are like his main clique, you know his like main clique throughout school after school everything I spent so much time with him back then ya then it was it was pretty bad


like my friends and I like we went in front of the mum then the mum was sitting on the chair at the funeral parlour like right in front of the coffin and then she was sitting on the chair then my friends and I all like kneel in front of her and said sorry, because we didn't take care of him you know we let him do these kind of things and then we're just like I remember we had a conversation we're just like okay ah whatever ah he wants to do whatever just do whatever we don't care that kind of


we we said that you know but then it's like it's more of the like the to show that you care you say you don't care that kind of thing, ya then then I mean in the end something bad actually happen and I remember at that point it was a saturday and then he died on like sunday morning like sunday wee hours


and then on saturday right I was in camp back then twenty eighteen I was in camp like doing guard duty, and then it's so weird how, coincidence works because I was in camp I wasn't at home and because I wasn't at home right I wasn't at home to like play computer with him


like last time when I book out from army right I would game a lot on the weekends like at night then because I wasn't home right I couldn't game with him then because I wasn't gaming with him he went out with his friends, like with those friends, and I was in camp only because like like by pure luck like draw ballots see who do guard duty today on a saturday cause normally you book out on a friday ya draw ballots draw lots I drew a lot oh it's my name dammit okay fine I'll do it


but I didn't know it'll lead to something it'll like precipitate into something so horrendous you know , ya, ya I mean I don't think I can blame myself but it's just it's weird how this leads to this and then ya


ya, and then on top of, ya on top of that you know my friends and I we didn't really like give him much thought you know and then we're just like okay you know go do whatever you want whatever you don't want to play computer fine, ya then it's like if we had just shown more concern shown more care then maybe something different would have happened


but, of course


ya, it's a accident, ya and I mean what's more like, like sympathetic right it's like you know he was in NUS medicine and then he was happily like he was he's going to be a doctor you know and then he like ah I don't know there's some irony in there somewhere


ya, I know right they should do like negative first then positive then like I won't like leave like feeling


, okay come let me choose a question for you , what do you often worry about


oh okay


it's more like okay


(uh huh)


(ppc), (mmhmm)


, ya eventually it's like it's unavoidable they have to do it and then sometimes along the way it's a byproduct like bad things happens


, , I mean definitely, ya I I, I get where you're coming from so it's like anxiety right you don't really want to


like sometimes even if things are going well then like thoughts will come out and then it worries you like thing you think of things that are worrying


, (uh huh)


ya, I mean I think this is the thing it's something that everyone will definitely think of I mean I I think of that also I mean I'm not even going overseas but like I'm staying in singapore and spending so much money cause my course is so expensive


and I just realised that like you know I have to sign a bond to the singapore government and then it's like a legit contract you know like it's like, a lot of pages long and then I have to sign at the bottom of every page and then I need two guarantors to guarantee that I don't like run away and stuff and then if I


you know if I don't study if I don't graduate I have to pay back the government for the number of years I studied because at the end of the day the product they want right is a doctor, but if they invest in you for five years right and you don't graduate right I have to pay them back the money which is I didn't even think about it I have to pay them back six hundred and ten thousand dollars


ya I didn't know you know and then so basically I'm like a asset to the government for the next ten years five years I study five years I work for them then after that I can do whatever I want , but then I'm like what if I don't make it number one I like I owe them a lot of money then I'm going to spend like


a good ten years paying them back or something and then after that like more than ten years ah actually like twenty years ya, and then what after that what I have no uni education I don't have like a bachelor of science I have nothing and I spend five years


I didn't even know that there's such a risk ya and seriously if at that point twenty six I don't have a degree while I fail like oh then six hundred K how different am I from like a complete like failure you know


six hundred K I may as well take six hundred K and like bet it in singapore pools it's the same what it's the same thing maybe I have a better chance of winning four D ya, ya so that is something I worry about and I think it's something similar that you worry about also right ya


but I think it's just how you deal with it ah


ya very apparently ya,


, because, it's a it's a human I think it's a human reaction you know fear is a it's it's it's something like from our evolution but I think nowadays we just have to learn to control it because fear doesn't do us any good at all


it just makes you worry more it doesn't change anything doesn't motivate you, ya exactly, ya, right uh okay you want to go ahead and go for one last question


I know right , interesting hurtful words


uh, honestly no I don't think words hurt me, I'm like, ya I'm like beyond like oh words hurt me I'll like oh you hurt me with this you hurt my feelings let me think maybe when I was younger


uh ya and then she's like ya , it it's hurtful right,


let me think, okay like you know , okay like you know uh like like I'm like sort of like seeing this girl right then okay ya then ya the new one ya ya the new one ya then then uh she then like we spent like like basically I invested a lot of time with her okay and then like


a lot of time lah basically and effort okay then basically at the end of like a few months then she was still like oh you know I don't know I'm not sure that kind of thing, so it kind of hurt me because I'm like why is it that I put in so much like time and effort right like mainly it's the time and effort I don't care about money or like


anything else okay like time and effort my time you know it's like like hundreds of hours of my life talking to you and stuff like and then you're still like oh I'm not sure I don't know, so it hurts me that like you're insulting me you know it's like so what is it not enough so if you're not sure why are you like why do you still reciprocate and like try and like and you're like wasting my time you know


I mean in a very plain sense, but so so that was sort of hurtful then I thought to myself you know am I this like I'm not good enough like did I do something wrong, ya like did I do something wrong or like, , ya lah did I do something wrong or like is there's something she doesn't like if if that's the case then why is she still like bothering with me and seeming so genuine or is it like


I I'm like blinded by this whole thing and then she doesn't like me or something like that but I don't think so lah okay I think she just I think she's just scared lah okay but ya then, ya so so that that was I think that was sort of hurtful but I got over it ya


(uh huh), (uh oh)


, so okay lah I get it now why did your friends all so toxic all the time


is it like a typical like girls school like like a girl thing or like


, the rest is like okay you know what ya it's not going to work out ya please next


ya honestly I mean that that that's fact of life lah I mean plainly put it's like if you don't care then I don't care and if I don't care then okay you can leave like ,


ya I mean hopefully I'm like not like that in uni you know my uni is starting, uh uh ya ya ya ya, sure we can alright, okay finish your point stop


alright so part two positive experiences, alright, ya, happiest moment in my life that's kind of funny you know I read like a book by #dalai lama# and then he says happiness is a state of mind but okay putting that aside happiest moment in my life


I don't know it's like it's quite that's kind of vague uh if I were to choose one for the sake of answering


okay I think the most poignant right would be september six last year the reason for that is because ya because, that was the day that I moved out of like this unit in NS so last year I was in NS right then I was in I was in this unit then that unit was like


terrible and then every single day I'm there I'm like suffering you know in three months there I lost like six KG not in like muscle or like fitness you know it's just like from stress and like not eating properly and like being sick and like attending training then I'll lose like so much weight then I'm like so so not skinny lah but


less meaty less less ya less less less of frankel ya then, I mean you could like see my ribs you know you can see like my ribs and then like all like my fats is like gone because I'm like just losing all the weight from missing meals you know I only eat like one meal a day sometimes because I'm so caught up doing things and stuff very it's just very stressful high pressure environment then I have to take care of a lot of


a lot of like delinquents ya so, I was very miserable honestly those three months were like the worst three months of my whole life like like by far


ya and honestly ya it was pretty bad so I think when I left that place right so my last day was september six then I took like the bus then I boarded with all my men then we went back to our original unit, ya cause we were attached there for training but everyone there is garbage and that battalion is garbage and that camp is garbage okay ya then


when we went back I really felt like this relief I think it's more of like you get tortured so much that once you get normalcy right you think it's happiness like it's ya, ya I got like release from that that hell hole so I think that was pretty happy it was it was seriously ya we were all very happy my


like the like I was a sergeant right like all the other sergeants and like the officer then all of us went out to eat the next day and then we had a really good time then the next week we were like, low-key celebrating every single day we're like having good food like we'll keep going out of camp to eat dinner ya so I think it was it was ya it was happy definitely okay what about you


ya I know right ya


what did you faint, if I'm not wrong you told me you told me that you were getting ya ya back then ah quite a few years ago ya


ya I mean it's a pretty ya it's a pretty, ya I mean at that point is it because you just move house then your mum is like ya you can have a dog, oh okay ya you move less like a bit more recently right like one two years ago


is it, like your mum found that like dogs can like make families happier


I mean that's good so it's like a constant happiness from your dog actually


, alright that's good actually, okay next question let's go for what do you love most about yourself, actually I'm I'm quite curious I I don't actually know the answer to this


I mean, for you also I mean no one ever thinks of these kind of questions , ya , okay why don't we talk about like you know it could be physical or physical or like you know a character trait


okay let's let's go let's let's let's be shallow today come what's the what's your favourite physical physical trait that you love about yourself


okay ya it's not black ya it's like a bit brown ya


it's like a lot browner than most chinese people, ya but then mine is like mine is like black is like as black as it can be, ya


, oh okay, okay that's that's a pretty positive like wholesome trait that you can talk about ya, ya


me what I love most about myself what physically, uh physically I mean I'm going to go with a easy one I'm going to say eyes also like I think my eyes are pretty big for a chinese person or asian it's pretty big for asian ya then like it adds to the whole look where people don't think I'm chinese


I don't know and then they are like are you filipino or something something, ya but I don't even know how a filipino looks like you know like they don't even have a look it's just okay they're filipino their skin is darker I mean I'm a bit I'm quite tan also lah maybe that's why but the thing is my dad is taiwanese so it's it's kind of weird I'm like as chinese as it can get


I mean ya I mean more or less lah more or less taiwanese people look less, weird than chinese people okay maybe that's kind of sensitive okay


okay yes correct correct ya as as opposed to the other one ya, ya so I guess my eyes ya it's pretty big and sometimes like like you know when you like now when you go out it's COVID phase two and then you have to wear a mask so you can only see the person's eyes so sometimes when I'm like like just looking at the other person eating like I'm like eating with my friend and then


like he's sitting opposite me then I just look at him then without like facial expression without like seeing my mouth and stuff my eyes are like just piercing through him, like like he he feels like like threaten you know I'm like just staring at him, ya but then it's like I don't know they're just like your your eyes are too big it's weird when you look at me


I mean it's not disproportionate that'll be weird, quite large is it is like


I mean ya, but okay like relatively to like other chinese people it's like it's like pretty it's like it's like larger ya and I mean it's not what I love most about myself I mean okay I guess it's something worth talking about I don't know


ya it like accentuates the part that is like like not not that trash you know it's like less trash , ya,


, alright, okay let's go with a next question uh okay why don't you choose one, I don't know I I don't think there's anything man I mean


I don't think I've changed that much I'm like things that I'm immature with I'm still immature and things that I'm mature with like my views are still the same so I don't think there's a something unless you're talking about like, uh, ya exactly that I was thinking about but I I still don't like vegetables


ya, I still hate vegetables I'm not going to eat like vegetables unless like my mum puts it on my plate or or you know like in the army camp I'm forced to eat it then okay , uh what did I use to hate as a kid, oh okay, sleep


sleep ya as as a kid you know like time pass so slowly cause I think you're younger then there's like less memories to think back on then when you want to sleep right it's like when you take a nap it's like oh my gosh I don't want to sleep I want like do things I want to go out but then ya


ya, ya exactly I want to like do things I want to play games I want to watch TV but then now I'm just like okay sleep okay okay bye okay get out of my life I need to sleep


ya exactly and even like with like the what's it called circuit breaker I'm like taking naps like every other day like two hour naps two hour naps I think it's like so Shiok you know, honestly it's been bad I I don't even know what kind of like what state of decay my brain is like


you, I mean, that's like a normal day in my life in like circuit breaker I mean now it's not that bad cause we're in phase two then I can like we can go out and stuff you know my brain is like so degenerated that like yesterday I was gyming okay like I was doing the bench press


then you have to like add your own weights so you have to calculate how much weight you want then I wanted seventy seven point five KG and it took me so long to calculate seventy seven point five, so the bar is twenty so it's twenty


twenty , ya twenty five two point five one point two five ya then it took me so long it took me like a solid three minutes !wah! that's a no go then like ya okay


ya I'm going to save your life next time like if you need a surgery I'll be there , , I mean okay ya so sleep,


my turn, , what is a comfort food that you can always rely on to cheer you up so what is your comfort food, is it I thought it was pretty easy


I mean okay what cheers you up like what do you put in your mouth and then it's like oh yum I mean like you know you think about your childhood memories think about your parents or something


small jelly sweets, that sounds familiar okay ya and then


is it you you're not talking about the ice pop right, so it's like


oh okay so it's just what it's nostalgic for you, oh I mean I don't think I had it before I think I've definitely seen it before but like I didn't really like that it's like just like syrup water frozen in jelly


ya things back then were like pretty cheap I remember ice pops were like twenty cents or or don't know how many cents twenty thirty cents and you can actually buy things for like ya three for one dollar nuggets


ya and then like even back then outside #cai fan# is like two dollars now is like three plus four ya but okay fine my comfort food I would say, I think it's egg


ya egg omelettes or or fried I love eggs, I don't know if you know that but ya I love eggs, I mean, ya I I love eggs it's like you know every day when I was young as in like primary school young like for dinner or lunch right there'll always be egg like my grandma or my mum will always cook a egg for me even if it's just for me she'll like fry an egg because it's pretty easy right just fry an egg


so now when I eat egg right it's just I'm like and then it's specifically their egg it's like their cooking lah, ya then I'll like think about it I'll I'll like think about them I'll think about like home cooked food, ya


uh not they overcook it a bit so it's a bit like not that like gordon ramsay it's a bit like like overcook lah a bit it's a bit burnt ya not , ya ya ya you know rustic like you get all the calories into your body kind ya don't leave any on the pan


ya , ya so ya that's that's pretty nostalgic and then when I was in the army I was serving NS then there are certain few times where I was like I couldn't come home, like if I was overseas for exercises and stuff right then I'll like sometimes I'll think of like like my grandma's cooking and stuff like sometimes the soups are pretty good also like it's legit like


like you know you go to the food courts and then the likes like those #lao huo tang# or like those those those stews that they cook in a pressure cooker ya it tastes like that it is awesome , so ya those are like my cheering up foods


(uh huh), canteen food I've been to I've been to your school like twice for various reasons, ya for various reasons and your school is like some run down like destitute


, lacking


oh actually no a comfort food I can answer now is #teh peng#, like which is what ice milk tea, no no no no like like you go to the coffee shop ya #teh peng# ya hawker centre #teh peng# in a plastic bag with a straw I love that ya in case you didn't know also ya I love that you know in circuit breaker I had one like every day it was so fattening


because the bubble tea shops were closed that's why, ya ya, you mean like the pokka the pokka can


that's quite a lot of sugar but then again #teh peng# is a lot of sugar also like the condensed milk you know, ya you had braces back then doesn't it like stain your teeth


I mean okay I mean at least you enjoyed it ice lemon tea is nice also ya the pokka one is pretty good


yup what for ice lemon tea, I mean is there pokka heaven and earth that's all what, oh ya seasons the like very retro weird looking bottle ya


I like I like pokka the best, I don't even know how yeo's looks like


oh oh oh I think I think I did ya it's not as it's a bit smoother it's a bit smoother, ya, ya okay but I still like pokka it's like the standard the default, ya


less sugar oh I think I only had the less sugar version the the normal one is a bit too sweet it's a bit full like rich with sugar


oh I mean I think the worst like the greatest travesty is like the Ayataka green tea that's garbage I don't know why people want to drink it if you want real green tea you'll like get real green tea right it's like a tea bag you know how much can it cost , if I want green tea right I want the pokka sweet green tea what don't they get about that


Ayataka is pretty is is not that nice lah, ya


(ppo), no that's that's a rich friend right there (ppb), (ppb) alright okay finish point and stop okay (ppb)


so part one financial related


ya, ya, for me, ya so I think similarly when I was younger my mum started a POSB savings account like the kids account


so every time every chinese new year she'll just take all the money and put it inside so I'm pretty sure most of it has been sitting there but she also regularly puts in money I think it's a DBS account so that she, uses those funds to buy shares


but I don't have access ya, right


actually what you can do is you know paylah you can transfer money there and then you can use your paylah to pay for things cause a lot more places are starting to accept it and it just registers as money going in to your paylah they can't see what retailer it is I think


surprisingly some of them can but not not amazon as far as I know, but ya


, ya it's quite quite bad and then some of them because they also don't know what the name is, or like what it is so then they'll just be like what the heck are you spending your money on and why are you spending so much of it I I don't want my mum to know that information


oh my god there was once I think cause I had PW right and we were uh project work for A levels and we had we were trying to make a prototype so I have to order some parts off of a


chinese website on like aliexpress or Taobao then it had some super weird unrelated name and it just looks like I was conducting some shady deals and my mum was and it was quite a lot cause it was all the materials for the project and my mum was not happy I can tell you that even if I could show her the receipt


cause it was like some some chinese store called fun play whatever I'm just like that does not sound right at all , ya I love that for us


ya, ya I think quite similar I ask cause I was asking my mum yesterday cause quite frankly I don't have control over my finances I probably should not anyway, but she was saying that she was saying that I think there's not enough money inside to put it into a high yield account which kind of makes sense if you think about it considering this is just Angpao money over like twenty years of my life


if I'm ya, ya, actually they put I think what happens is they put a lot of it into private banks because private banks uh apparently you have a lot more like investment products that you can get because there's stricter regulations on the standard one to protect consumers


and from like their bankers recommending them very risky high yield products, so


oh no ya as in like they they do have some products available to them it's just that those in private banking because of the volume and because they just kind of assume, that these people would know more they have a lot more that they can get using these services if they had put the same amount into a standard retail


I don't think so


ya, or ah, touch wood thanks , ya please I think it's low key like buying government bonds isn't it like you're going to get it back at like a pretty low rate


ya ya, ya it's minimum amount


of some kind, uh I mean it's better than having it sitting in your bank I guess and it's quite low effort as well so I can see the appeal for it, but I guess at this age if because I you mentioned before like you want to get into investing, aggressively then obviously that's not a good option for you


ya, penalty then all the benefits are just gone


ya ya, when I was younger my mum gave me an ATM card to her account so it's not


as in as in it's not her direct account it's like she set up a small account then I'm like a subsidiary so I can but I can't use it to buy online things I think that's why she chose that card I can only use it to withdraw cash from the ATM, so I can't ya I can't I can't buy anything online which was very inconvenient as you can imagine I couldn't even do bank transfers


(ppc), ya and then she was like if you're outside and you don't have money and you need money you can go and take money but that's just a way of saying you can spend your money however you want in real life because I know you don't go anywhere


so you know, smart cookie my mother uh so I think when I was eighteen seventeen eighteen she, finally gave me a debit card not that I used it much honestly and because I because I'm currently studying in the UK she also passed me a credit card which I think she used for the


she set up a multi-currency account, because ya because of the currency exchange and everything, then she, ya ya so so when brexit happen and then the exchange rate went down to like an all time low of like one point six something so she just went to change a huge chunk of money and !wow! that was you know some smart right there


so then I think it's the DBS altitude card but it's basically for emergencies because it's they're still adding a bit of transaction fees to use it in the ATM


I do as well I set up a barclays account there and, and actually uh signing up for a card there is so much more convenient than in the UK eh I mostly use this uh I don't know what it's called a programme I don't even think it's a bank it's called monzo it's it's kind of like paylah but they actually send you a card and you can


use it in any way like you would for a debit card or a a debit card probably, ya, no no no they send you the physical card as well but you can also use it on your phone, ya ya ya ya


it's super convenient and I use that the most I think cause I just what I do is I because obviously my mum puts in a lot of money in the barclays account but I don't have a lot of self control, so no because it's super easy right especially when you're living by yourself having to buy your own groceries


the expenses do start to add up so I just made a standing order to transfer money into the monzo account every week so it's like I'm regulating my own allowance, ya, how about you


accurate


(mmhmm) (mmhmm),


so your hundred dollar ASOS purchase was ninety nine dollars actually, it does add up lah ya


ya, honestly I'm not too sure what the benefits are for my card because it's it's obviously a subsidiary card in everything to, my mum's so you know I''ll just it's not even my account so I just let her handle it, which makes more sense to me


ya but honestly right I I I mean I have used those but I don't see them that often for DBS and even if they do the amount is much higher than what I usually spend outside


cause it's like oh maybe it's ten percent off if you spend eighty dollars but I'm not spending eighty dollars at any restaurant because quite frankly I do not have the money for that


, it just take money, ya especially because of you know online shopping and everything, people our age don't usually but then ok then the next question is between cashback points and miles what do you think is better


, , hey japan will pay for half of your trip ,


ya, I mean I think, miles would be good if you weren't living in singapore but in singapore it's so restrictive especially for like all those more popular airlines like singapore airlines and all their


their subgroups,


, no did you know did you know if you book the same it's okay for example right because you know I had to buy tickets to go back to school, so I buying the return trip ticket from singapore to UK and, UK to singapore if you book it in the UK it's actually cheaper


like while I'm in the UK so it's so much cheaper that it's just not worth using the points or like collecting points in singapore to do it cause it's literally like, sixty seventy percent of the other price I would pay which doesn't make sense


ya, ya and it's so much cheaper on those sites, I mean cashback gotta be the way to go at the end of the day,


free money anyway, ya but ya the only issue is that there's not much competition in singapore for all these banks that much, also so it's like it's not that attractive, you know you got twenty dollars


, that's that's a lot man, ya, ya


ya, ya I guess if you make very large purchases then it makes a lot of sense because I think my my mum's friend uh she was buying a ticket for her son to go back to school overseas so she happen to to use it when it was some special like oh ten times the miles or something


so she basically bought the ticket, to and from the UK and also got another free ticket out of it which is incredible which is insane man, ya


, oh ya , , that's just way too much effort and as after a certain point


ya, obviously because also, the terms and conditions are you know granted uh very complicated for good reason but it doesn't mean that I'm going to go and read through all of it because that's way too much effort and time


probably not I think the only thing I asked my mum yesterday cause obviously I'm not the one doing the purchasing right I think she and my dad got jumbo life insurance


it's like the super high coverage if anything happens Kena then ya then it's like a very very high payout


ya I didn't really think about it either,


, ya ya, ya, AIA, ya same


I mean it's, (hmm), no it's okay I forgot what I was going to say ,


, no, not really, ya well that's about it, okay


part three, negative experience, uh (ppc), uh !wow! these probably are quite depressing aren't they


uh, what is the most traumatic incident you've experienced in your life


is he the the guy who, over the ya, you told me when you were drunk so you probably don't remember it that well


it would be


oh, ya ya


ya


I mean that's usually how these things happen in the first place, I mean it's but that's how most accidents and bad things


occur right it's just this , a culmination of various factors and, contexts that, leads to it so it's just, like just never blame yourself, you know cause, in the end, ya


no I mean but you have to remember right that ultimately, you are not responsible for another person's wrongdoing, like you I mean ya so like like, especially because this is


it is very, hard and, very traumatic but like it's something that you have to, remind yourself of ah it's not even his fault it's not maybe not even the, the primary school friends' fault, right it's just it's just it just happen, ya


ya, well that was a very depressing start to, negative experiences I guess, at least you end on a on a happy note and besides negative should follow finances just saying


you don't want to hear about my traumatic experience but it's true lah nothing I have been probably compared to like,


I don't know actually because I think like I never really got, checked right but I think I have a bit of, anxiety, , ya so


and the thing about it is a lot of the time it's not a rational fear, uh ya as in I think it's something, okay ya so so context I used to play basketball right and my coach is


a bit Siao a bit crazy and a lot of times what happens is if you make a mistake even if it's like a forced error like you know it's something that is unavoidable like literally that was one time where if either choice I would have made I would have gotten in trouble so


and then he blames you and he punishes you and makes you run makes your team run that kind of thing so when that happens consistently for like six years, you start to blame yourself a lot or think of like the worst case scenario often everything and I think this is something that I share actually with my teammates because I was talking about it with friend


the other day and even she says that like a lot of things, she blames herself for or like is she's very quick to, to think about what is the worst thing that can happen, so, what makes me stressed is, is


when there are when I'm making big decisions and I have to, that would have a lot of consequences ah because , because now I I want to make it so that, whatever I do whatever choice I make it is the best one that I can make


and reduces the chance of any negative things happening, whether it's to me or to the people around me, and that that makes me very stressed lah and also it's like, ya I mean


but I mean that's the always the thing with choice isn't it like you do have to make it and stuff but,


ya, so it's it's ya I mean, it's it's just like that you know because it's like I don't want to live life with regrets so it's that kind of thing where I'm just scared if I make this decision down the line I will regret it very heavily


and it's something that I can't come back from so I think that's what makes me very anxious and stress ya


ya ya so it's like going into the first year of uni right as a law student studying overseas, it was god damn stressful even if if we like disregard all the well founded fears of uh not being able to make friends bla bla bla bla I put a lot unnecessary stress on myself to do well for the first year


because it's like oh because it's like you know it's kind of like a tumbling, steep slope kind of thing it's like oh I don't do well this year I can't get a first year scheme I can't get a a internship I can't get a training contract, I won't get a job I can't pay back my parents you know that kind of thing so it's just kind of it's like putting an unnecessary it is putting an unnecessary weight on myself lah and I know it makes me stress


but and I'm trying but it's it's hard sometimes lah, ya, ya


, ya


, oh that oh


ya, ya I mean that's that's the risk right with medicine, because it's so specialised


he probably would have better chance winning four D, ya, ya, ya, I mean


I I think your fears are, quite at least well funded lah, you know, but, like I , ya as in like what's hard for me is, you know I'm the kind of person that likes to rationalise things right so so a lot of the oh !wow! !wow! ya no so like a lot of the smaller fears I can rationalise I can tell myself okay


this bla bla bla bla bla but like those big ones even if I rationalise it to myself like the fear doesn't go away, ya it doesn't it doesn't even get reduced which is which is bad


ya, ya, ya and it just gives you a chemical imbalance that is debilitating, to your ability to function in daily life which is excellent


great, ya, (mmhmm), these prompts are just so depressing,


, what are some hurtful words someone said to you that you wish to forget


I think actions hurt more, I think you're too used to NS already, I mean then then what about just something that


like hurt someone did to you that hurt you ya


still oh wait no the new one the new one ah, oh oh


, , ya ya, no frankel no


no ah no ah, ya, ya, I mean, kind of, ya I'll just say similar, but kind of it's like it's like investing a lot of time and effort into a person when they don't return anything right


so like I had this one friend who I was quite close to lah as in like we would talk like sleepover that kind of thing we were like quite close and we tell each other things lah, then so part of the clique right and there was one other girl in this clique who does not like me


because basically what happened was she did something that to one of my friends that I really didn't like and she kind of impacted me so honestly I didn't treat her that well also lah, but she was the one who brought it to the next level every time the one who lies about going out and not inviting me the one who tries to exclude me the one who tells people shit about me that isn't true lah


like she's always the one taking the next step and objectively speaking, she's the one that that that other friend ah is the one who did me dirty every single time but the friend that I had the one who was close to me, she never ever took my side she never ever like stood up for me or like


told that other person that what she did was wrong or that she she rarely even rarely admitted that the thing that the other person was doing was wrong, and that hurt me a lot because it's like, like cause I knew after the first few times it's like I will never be your first choice or even your second choice


she'll also do shit like telling like I told her not to tell someone something right and then she tells that person and then I'm like why did you tell her then she's like oh because it's this person and I'm super close to this person I'm like hello excuse me what am I to you white bread you know ya


what do you mean !hey! no I keep I keep good ones it's just that you know that one was it's like it's like you know you throw in your lot with people and then you just can't get out and I'm just just me


I don't know bro I I don't I it's very hard for me to to uh keep friends that are in big groups that are girls there's only one that's worked and that's my team and that was kind of like we didn't have a choice trial by fire now we're friends for life


our lives are linked that's it that's all the rest are like I don't know how to handle this , ya because quite frankly I can't stand wasting time on people that I don't care about because just die perish I don't really don't give a damn


ya and that's the hard thing with groups cause like suddenly you are a clique and you have to care about every single person and it's just like I no I don't have the effort or the energy


I can still introduce you to that one friend I think you'll like her like genuinely you are both quite similar actually, okay ya okay I guess that is all okay


okay


part two, positive experiences, so frankel what is the happiest moment in your life


I mean, ya, I mean it doesn't have to be it doesn't have to be a moment you know just like at what point or like what small period in your life did you feel like you know everything's going right for me et cetera


(oo) specific, ah


less of frankel,


ya bro, you look so miserable at that that that point, ya and and I could tell you were eating a lot less cause that one time we went out for lunch you that's all you ate and you were like I'm so full and I'm just like you usually eat like more


it's like you you you got released you got,


I mean like I can't really pinpoint a a like you know what you say like this period because , ya it's it's quite hard cause it's all like you know something good happens then something bad happens afterwards so it's it's very hard to achieve that !wow! this is great this is fantastic love that for me


you know that kind of thing but I think like when I was uh seventeen my parents told me that I could get a dog and because I wanted a dog literally since I was like four right and it's the the same thing that I ask for every single year so one day like my mum just told me out of the blue


she was like you can get a dog I like I think my body just couldn't handle it I just started crying then I just started crying I did I called you , , because because I couldn't I literally like could not handle it so I just called like three or four people then I was like oh my god I'm getting a dog with tears streaming down my face and obviously I was so happy right but it didn't feel like I was that happy because I was crying which doesn't make sense at all


but, it's overwhelming, no we weren't even set to move house at that point in time


ya ya it was just so out of the blue I think it was because I was super depressed like because of basketball, then, then suddenly this ray of sunshine and I just


I mean it worked so I'm not gonna complain ya, oh ya the best part of the day is like when you go home and there's just this, fluffy ball that's just so happy to see you no matter what and you're just like oh yes this is this is good


oh (ppc)


what for yourself, I mean it's quite hard right ya, uh oh that's that's a difficult one honestly uh


ya it's it's not that I can tell you, , uh, uh I don't like this ,


shed, surprisingly it's probably I think like the colour of my eyes because, you know, it's not black it's ya it's it's quite brown it's considerably brown and I get it from my dad and


ya, ya ya ya it's it's nearly Angmoh brown like, that's, obsidian ya so it's like when I walk into this in when I don't wear glasses and it's a sunny place people will just ask me like are you wearing coloured contacts then I just keep like no but I think the reason I like it is because like it reminds me of my dad because it's it's


my dad it looks like my dad's eyes so it's kind of nice, oh thank you I am so wholesome , you eh


ya, they are they really are


that's true you do look filipino, that's a bit


I mean if you want to consider taiwan like, you know same features as well, they look more no no they they how about let's let's put it PC like uh they look closer to conventional standards of beauty ah


GP skills, ya


,
sounds like a a very gay tension moment
 I don't know why , ya it's not even that big like at least it's not disproportionate


your face cause your, no because your head is also quite large as in like it's not overly large it's just, I mean it's not like you have a small face and giant eyes like some kind of Anime character okay that would be bad that's that's not good and that's creepy


ya ya ya definitely ya, I mean in conclusion for both of us wearing the face mask is a good thing cause the both doesn't attract the better looking part is the top part of our faces


(ppc), it's like it's like catfishing you know finally showing half of your face accurate bro, ya okay next


, what did you use to hate as a kid but now love as an adult


I don't know it can be food man like something simple,


what did I use to hate I actually have no idea also why did I choose this question, ah oh my god yes you are completely accurate yes, ya


ya ya it's like I wish I could I could not have to sleep it's like a vampire or something I just wish I could have all twenty four hours of the day, ya then now it's like so so like it's just it's so lovely to just sit on your bed and just blah


bro I don't know how I'm going to go back to uni I'm sleeping so much in bed


right I think at one point in time there was a day that I slept for like fourteen hours which is a lot


, so what fifty twenty twenty five two point five, ya, never mind I think I think let's move on


oh ladies and gentleman the future of our nation medicine, oh jesus and I'll well if I'm not dead I'll sue you for damages I guess


, what you leave me with no choice what can I say, okay your turn your turn choose one


(oo) this is hard, cause like it's, no eh it's like it's like whatever I'm in the mood for you know, don't say it like that ,


I oh I don't know man it's a bit, uh oh I know you know I don't know if you had this in your primary school in primary school there was like you know the small little jelly tubes but it's super thin


not not sweet it's like a tube of jelly you know the ones that you freeze in the, in the uh freezer, ya but it's not it's not like the the super thick one where you can eat where you cut off the top and then you suck like you know it's obviously meant


to be, uh eaten in one direction right with the tip, no no it's literally called jelly that's why I can't think of what it's called cause literally the brand is called jelly or something


then there was like orange grape lychee pineapple you know that kind oh love that, it's just jelly, I mean it taste good it still taste good and I probably would still eat it actually I do I bought it last year or something


just for the cakes, it's that's the thing right it's not that like I hate artificial jelly but that one actually tasted pretty good and it was only like twenty cents when I was in primary school so I was like oh hell ya


it's like one right then one bowl of #cai fan# was like one dollar twenty cent, four dollars ya


egg like what kind how egg, I mean I know I know you love eggs but I never knew it was to the point where you consider it to be your comfort food


oh, (hmm) fair enough but can you cook it or is it like is it is it something they do that's special


it's it's it's a rustic, all the oil every single drop


, ya actually you know what I miss I I really miss because I used to go to national junior college right


and oh my god the canteen food is excellent it's so good so good and I just miss it so much now and also cause it was so cheap, surprising, ya and I ditched you both times I am so sorry


you're not you're not wrong you're not wrong the facilities are a bit, lacking (ppc) yes but like, but like the canteen food (oo) excellent excellent every single stall is decent


at the very least, like you want like


, uh ya no actually kind of kind of the same ice lemon tea is that for me


dude it was it was it's so bad like in when I was still in school I drank one bottle every day at least, the pokka can at least one every day and that's five hundred millimetres every day of ice lemon tea that's that's not good man


even my dentist was like, you need to stop drinking tea, or coffee, oh ya I did , your point being , I ya you know you know it's


you you kind of have an addiction when you, know quite at least four brands very well , ya , pokka heaven and earth seasons yeo's


(mmhmm), don't like seasons but like nice packaging, pokka pokka is a very solid choice, have you tried yeo's yeo's is actually quite good it's very refreshing


uh it's like the, like you know those carton it's not like a bottle it's a, it's blue colour, it's like more tea, it's very cooling the taste


ya pokka is the tried and true, when they released the less sugar version I was pissed


you you no it's like the best is having that with ice but the less sugar is way too little,


I don't understand Ayataka, no no it's not, japan honestly has oh no my favourite ice lemon tea brand is from japan for my birthday like my friend who's studying in japan she spent eighty dollars on shipping to ship my favourite brand of ice lemon tea to me for my birthday cause she knew I was super depressed at that time so I like


was, she's not she's just she was like you're more important than money and I was like crying (ppl), ya that's it


yup, financial related topic okay so uh what is one financial advice that I would give to the five year ago me I would say that err


I'll tell myself five years ago to to don't spend so much money ya don't don't don't spend so much money on unnecessary stuff I can I I believe that I can still spend money to buy things that I like what I mean by unnecessary stuff is like I don't think I should spend so much money


on like uh cloths and like on alcohol on going out so much so that I can actually save out more and and save out more and actually have like have more income ah so this is the financial advice that I would like to give to the


seventeen eighteen year old me yes


two hundred ya


uh for me uh to plan my finance currently currently as a student I don't think I have so much of like my finances to to get a personal financial adviser to to plan my finance how I plan my finance is to just download some


apps in my phone to track how much I spend every month so like every time I have some expenses or I have income coming in so I just key it in so I have a clear sense of every month how much is coming in and coming out but perhaps in the future if I if the income is like much higher


perhaps I will I might hire a financial adviser to plan my finance for for the fact that it's is more beneficiary to me and and for someone who is like more professional in this aspect also yes


that's right, ya but whether do we take the second opinion the decision still lies between ourselves because it's our money our decision so we I think that we know the best what like best for us also but is always good to have like more opinions also


ya, ya


which one the question three or question four question, oh ya sure sure sure okay so for me how do I manage my cash flow so as just now I I got briefly say uh say that is I actually have a uh I download a app so I actually every every income and every expenses I have I actually key it in and it is actually categorize under categories like whether it is food transport


shopping groceries or like ya or like bills and my phone bills so so it actually give me a clear sense of like where my money is coming out for when most of the time is just like for giving my parents and for my food for myself


and how much of my income is allocated to savings expenses and err quite a big chunk is like giving to my parents ya giving to my parents and transportation and food take up take up quite a big amount also and also my own school fees and insurance insurance I pay by per annum so like every month at every year during the the period that I have to pay insurance that like the huge chunk of money will be gone


investment not really I don't really I don't invest because I feel that at this moment like I have too much on my plate like so I I don't really have too much mud extra money to invest, so I don't really go into investing yet but perhaps I guess when I graduated or when I hold when I have a higher income then I will look into that also how can you earn extra income or to improve your income level err I would just say that uh at currently as student you just have to be hardworking like really just


head out and go ahead and like just step into the working world and work whether is it like part time job full time job but if someone have the financial capability and able able to afford that afford that the fact that they might loose money in the stock market or like investing then


by all means I think they can go into the investing like the stock market world the investing world but they have to understand the risks that they are they are taking is like they have to understand the risk so they might be a chance that they might not be able to grow their income in in return even loosing their income but I think for me


how I earn extra income is to just just work as much as you can yes then how about you


ya it, no as in like is is normal that like I actually saw a report before that saying that actually most cafe actually close within like a year or they they can't really last after five years so is is pretty normal that businesses fail also lah yes


yeah


ya speaking about the SQ right the stock market crash my my friend actually got her hands burned because like just within one night he lost quite a bit of money because the the stock just went down but I think after that there were being back by temasek holding if I'm not wrong so the stock actually went up a bit


which is good for her ya because she she choose not to let it go because she like she feels that there might be a chance she she like her logic was like, since I already loose quite a bit of money then why not just leave it there and see how it goes which I I don't know I mean I'm not too sure whether would I do the same thing if I was in her position but


apparently it work out pretty okay for her so good for her yes but I I I I cannot take that risk I think my heart will just like be gone so ya okay so okay ya continue


yes how do I hit my saving goals err so its like kind of like the question five do you have a habit of saving yes I do have the habit of saving so err every every month depending how much I earn and I will have I will have like a a target for me to hit the savings


because I do have I do have multiple accounts in terms of like my bank account so there's one that I just use for my daily expenses the other one is like for like just purely savings the standard charter one the one for for me to like run the two percent interest so every month like I do have a target


for myself to to actually put how much aside into the savings account depending how much I I earn that month because as as you know that like my income is not very stable it it really depends on especially when this pandemic hit like my income took a huge deep but now since phase two is open I can go out and like teach


because I I'm a private tutor so I can go out and teach tuition again so my income will go back up and perhaps it will it will alter a bit like how much I'm going to save per month but err I'll every time I try to save thirty to forty percent or even half like fifty percent if its possible towards my savings


so so that like so that I I know that I'm saving for a rain for for the rainy day because I never know what will happen to me if I don't have savings and I just like to have the sense of security knowing that even if something happens to me I still have the money to


to tied me over the period so there's why I think ya saving is very important how do I ensure that I meet my saving goal I just, ensure that because if I know that I can't really meet the I'll I'll find another job to to to earn more money ya that's why then how about you how would you how would you do it


correct


ya, okay uh big purchase so is question six or question seven question six is it


seven right okay what strategy what plan it planning for their big ticket okay buying a house okay maybe not so fast lah but it's more of like for my now the big ticket is not big ticket expenditure is like going overseas as example I want to save up for a trip overseas of cause I know that I have the


I have the money to just like go go overseas but of cause it's not advisable just take out from what my savings my reserve is so whenever there's something like that happen I I guess I will just like every month I will just uh keep every month I will just save up more


money and a part a portion of it is going to put aside for the big ticket expenditures but for next time if I ever to I don't know starting a family or buy a house or something then that would be different that would be that would require a a lot more


commitment to it that uh example buying a car then I will have to have to look into buy a car like which is more more affordable and like which trend is it like when when when do I buy which month do I buy so the COE will be cheaper


so this is this will be some of the strategies that I will use also and like perhaps buy a car will like first hand or second hand be better or like is it really worth it so you I think that someone who want to buy this kind of big ticket expenditures they have to do their research properly like thorough thorough research


cause without if you don't really research too much right you won't know that what are you getting yourself into and most likely you will end up spending money that you should you should have save up instead then how about you do you have any like strategies or like


tricks up your sleeve, yes actively compare, ya that's what I do all the time online shops


yeah correct, yes


okay so


negative experiences, okay so okay err lets see okay that you cannot laugh okay have you gone through any lost in your life if you have describe your emotion at that point and how do you deal with the lost


okay do you want to start first or do you want me to start first


quite


yes ya, you never know what will happen


ya correct


I, ya


but are are you very close with her uh still okay, oh okay


that kind of questions


ya I have gone through quite a bit of lost in my life regardless is it being someone who pass away or like you know but sometimes lost in your life doesn't mean that someone pass away just that lost of like how to say like


someone who is like who someone who is who might be like very very close to you and some and as time goes by you kind of lost the person they they din they din pass away they they are still living in this world but they are just not in your world anymore I think that also classify as a lost ah


but for me for me I'm not going to touch on that part of the lost I'm talk I'm touching on like lost of life so basically someone who like pass away I do I do went through a bit I think when during my internship that one you know so I'm not going to touch on that also for me I'm going to touch on like


my aunt I have I had a I had I have quite a lot of aunts but K this aunt of mine actually live with us uh since young so when I was young I like she live with us because she work in singapore and


she went back to malaysia when I was like around eight like that it wasn't because she she shifted she my she is the sister she's my mom sister lah they don't end in good terms when she went back to malaysia there's a lot of, there's a lot of disagreement unhappiness why she went back to malaysia the reason is because she actually she work in a factory like she act when she came down of the company bus right she actually she actually fell and she broke broke the ninth the ninth segment of her spine


so she actually have to undergo a surgery that insert that had to insert a screw up her spine so basically that makes her like unfit for work already ya bit ya lah bay basically that's it and on top of that before that incident happen right she actually she actually have lupus


ya okay she actually have lupus so I would say that her life is like we always like me and my sister always say that her life is actually quite sad then after when she went back to malaysia she actually cut ties with my grandmother and like my in mom and stuff she actually went to live with my second aunt


and and just one day both of my cousin receive a call from my second aunt saying that !hey! she died do you want to come something along that line lah basically and so at first they because uh after that they will they went by five six years without contacting each other my mom have no idea what happen to this


sister of hers which was once so close to her like she lives with us for eight years eh like but my childhood I saw her like that so so when she died, how to say ah it's a lost lah of course when I was I was still I was fairly young like when I was thirteen fourteen I was fairly young or what it was lost or what but the most I will see that the most


the most heart winkling thing for her right is that right like me and my sister we grew up with her or what right is a lost of life yes like we lost her and stuff but we don't we surprisingly we feel very calm


you know when you lost someone right you will feel you will feel a lot emotion and what sup surprisingly both of us like are very calm and like we didn't laugh of cause like not know there's nothing such of it's just that we feel very calm and stuff it's like as if we saw it coming because maybe she is, she is constantly ill when we are young we always like to see her at the table eating all range of medicine because its for her its for her lupus to keep her lupus in control and we saw her like being hospitalize because she broke her spine


and like when she went back to malaysia and like I we don't know what happen to her so when we we heard that she passed away that like of cause there's a the tingling feeling oh like oh someone that we are close to pass away but we are surprising calm and ya because she was not a nice person to


to deal with as a kid right it's very easy to like someone right but as a kid both of us hated her, we we we hated her because she she she will just like scold us or like she will rather put her food in the fridge until it is expired rather than give it to us to eat and eat she's that kind of person she just like a weird person but then again I cannot help but feel very very sorry for for


her like for her whole life because when she pass away she was like thirty six or thirty seven only she was fairly fairly young that's very very young and she's very young and like throughout her early years err she got she was scam by someone that she really love like


during her lupus relapse right on her younger days right her boyfriend instead of helping her or what helping or what she her her boyfriend at that time actually took out all the money of their joint account and ran away, ya so that's like ya her life is just like a a story of like a a a a a a a series of uh of of like unlucky event and stuff it's not unlucky I feel that her personality also


also maybe contributed to that also, ya ya that it just ya but that that lost actually makes me feels that like it makes me reflect every every time I I think back both me and my sister think back and its just like that lost actually make us realize that not every lost is the same


you got what I mean not every lost is the same for her lost is just that uh sometimes we we like to think that you know its actually a a a relieve for her also, because she she don't need to like eat so much medicine anymore and like ya lor but every lost is different so describe my emotion at that time which is very calm and like we kind of saw it coming


a bit how do we deal with the lost lives goes on as normal but my mom was was never the same again I will say lah honestly speaking my mom I can tell that my mom a part of her died of cause lah this is for sure lah for the sister that you live they live together in singapore for like more than ten years


and they are very close in age they are like three four years apart ya they ya I cannot imagine if I lost my sister like that that's the thing lah so I think ya I think a part of my mom died, she was hysterical during that that moment like she was like because I din I din go to the funeral because it was back in malaysia and then we still have to study but she went and


she was so mad she was like crying and like sobbing and like she was even sad she was even more like sadder compared to my grandma which is like my grandma felt nothing you know and that is the saddest part my grandma felt nothing cause like my grandma


my my grandma have nine children she only care about one which is her son all the daughters are just like, you can hate death or you cannot hate death eh if I I it's just that they're replaceable lah in a sense ya lor so eh my grandma felt nothing eh which is like very upsetting lah okay lah I okay lets change another topic


okay do you want to choose a topic, which one, what makes you stress is it that one


okay, yes it is like for the for the pass, few months, very stressful


ya that's it right ya


ya you bought so much, you bought like three right you send me a photo


ah, that's sucks man, it is bad


ya ya ya of cause of cause but is like for such a small country and is is quite a amount lah that need to be do


correct


that's why, ya


ya I mean for me like ya I'm stress out during that period also because it's the first time since quite a long time that


I had a break I don't know why but constantly through as such apart from pol poly still okay ah but after poly I I don't really have a break anymore so I'm constantly on the grind keep working keep working and stuff and suddenly when


the sense of like the normal life is gone right the sense of like I have to go out and work everyday like the the schedule is as pack as possible suddenly that when you when you take that part away from here right it makes me incredibly stressful it's like I have more time for myself I have more time to clear my assignments I still have some jobs on hand because I still can teach


tuition online but it just makes me stress out because I don't as you say I don't know what is coming next when you have the uncertainty ahead of you that makes me stress because, I don't like to do things without a script I I I I prefer things that are plan out and stuff so when when when things don't go according to plan or when things cut cannot got according to plant plan because thanks to the current situation or what it just makes me stress out because I don't know what is coming next


but good thing is like stress being stress lah but we do know how to counter it also because now that I think phase two is opening and like for you is like you get into school because that time I feel that ya when when you are waiting for the for the school to reply to you you are actually very very stress out also isn't it


cause you do you don't want you do not want to step into unemployment at this climate also I mean no one wants to ya , ya I know


lower rate


yes because everyone you just you just stay at home we can't really create a job out of that


ya it it it happen ya it it scares it scares me also despite I do know that like I do save up and like is okay that that to just take a break during this period but it's just the uncertainty it was like O my god so after this corona


thing when will life go back to normal you know ya okay, ya, okay


ya, positive experience, okay, yes


ya you have been keep asking me about opinion also


ya I understand you're under so much stress for the previous ya I know from your from how you tell me also and like my what is my biggest blessing in disguise okay this a little bit different but I think is it last year


I think is last year I actually tried actively for to to become air steward for SQ I think I I did told you right ya then can you imagine if if I last year right I think it's last year start eh last year imagine I got in


I mean nothing lah I I guess I will still enjoy the job a lot and I think that it will fits me also but is just that like if if I got in and I if I got in and I start working that job instead of going back to school, because in the end I have choose to went back to school also but I I I choose that job I I go for that job than and if this pandemic hit out I will be out of a job I will be out of education also so I think blessings in disguise for them to


to reject me thought that for them to reject me I actually have pass everything it's like ya but it's like it's just like not taking up the job and actually choosing to went back to go back to school because it, no I pass everything they they just say that they they are not happy with my physical appearance and that is something that I cannot change so ya and I'm serious I I pass the interview and stuff but during the Kebaya fitting session it was like


they say something odd about me and like and and I just like you know what nah ya ya ya this is like I mean that it is like interviews and stuff there's something that you can work on and honestly their interviews are not that hard to pass lah but


for the fitting session I I cannot help it is something that I think they are not I don't know lah something maybe a aspect of me they don't like it maybe they don't like how how I look like in a Kebaya that that that that is possible I have some of the people who actually went for it they have this issue also


so this something I cannot change and I'm not I'm not gonna to change like drastically about my physical appearance just to fit into their Kebaya no right and like ya and I don't really want to stretch myself because I'm I just I'm just barely their minimum height requirement so I think that that is a factor also but I don't really want to care about that that much because since after that I choose to went back to school and and different from what we studied in poly I actually I won't say I enjoy a lot but I actually


enjoyed much more compare to what I studied in poly it's kind of similar chinese studies and translation but I don't know why I actually valued my education more and I'm one year into it already and I think that it's going pretty well pretty decently compared to poly which is a


which like a mini nightmare everyday I don't know about you ah but last time in chinese studies it was a mini nightmare and in comparison to what I'm study now enjoying so much better and I think this is one of my one of my biggest blessing in disguise I don't know will it be my biggest but it's one of the biggest blessing in disguise


okay do you have anything to add on , ya correct like


ya is for me, yes I think I think you will enjoy yours also it's it's not as bad as people say a lot of people will just saying that okay okay do big three that kind of thing just just just ignore them enjoy the education enjoy the ride


because I is something that you cannot get back lah I I mean if you start you NS also right in comparison when you start when you start to work and and you compare to school, both have pros and cons but really schooling has like the stress level is a bit lower unless is like assignment period which is like annoying lah that one cannot be escape but in general I think the the joy of like keep learning keep


keep having like new knowledge is actually quite exciting I don't know why lah why I din I din I din notice it throughout my younger days but I think when I get a bit older I kind of realize that the effort those lecturers put in and stuff for for for us to get decent education like they really have our best interest in heart


at least for my lecturers lah that I meet in in university yes, ya, a that okay the poly one let's leave it for the negative experience now is just the positive experience


ya ya ya you got told me, australia right, ya I went sydney and melbourne ya correct


ya I have this issue with australia in general like when I went to both the cities it's nice don't get me wrong it's nice to get out of the country all but I have a feeling that I never left singapore I don't know why especially at near the opera house when I walking down it seems I'm walking down the


singapore river and when I'm at their royal gardens right it seems that I'm at botanic gardens I have the I have the same like vibe that kind of parallel feeling that I cannot shake it off perhaps I guess is the issue lies with like it's a big city ya lor


ya but but it's a good experience I I I enjoy my trip there but it's just that why go there again not anytime soon, ya


ya, ya the weather is great then


ya ya ya I think you you told me I will I know that is at the later part of term of the year that you went ya before my thailand trip we went so I guess is like early november at or like late october


oh no, okay then I just say first okay so, uh okay and okay let me see what other questions should we tackle err, I don't know what are you thankful for do you want to ya


okay, you do sell your life excuse me you sell your soul and life


ya I know I know


(mmhmm), okay ya


, , for me it's a bit different lah I'm very thankful that I'm I'm actually here in singapore ya I mean from you know you do know right I mean that if I'm back in malaysia things will be so much different yet I grew up here I grew up in singapore so


all is well but is always have there's a chance that I look at my like my cousins my relative of cause not all of them are are are living badly in in malaysia I mean but a a most of the majority of them


uh like I would say I okay struggling not really struggling but in comparison with my life and their life lah obviously my is so much better yes there are like things that are unhappy with I'm stuck if like I don't really have space in my house that me and my sister constantly have to


fight for the table to study or like because now that's I'm doing this assignment she actually outside in my in my in my parents room uh sitting on the floor and stuff, there's like this kind of things suppose like some people will not they will say that like eh like nothing much and stuff but I'm very thankful that I'm here and I have a shelter over my head and


and I'm just like doing a lot better compared to some of my cousin and relative in in malaysia because some of them right because due to this pandemic they actually you know they close the borders right so I have some of my cousin who are actually like living here for like


uh three four months already because they they cannot go back and one of them right he right he have not been he he hasn't seen his children for like this pass three four months and because when the pandemic hit right her his youngest daughter was only like five months old six months old


so basically he was telling me that like by the time he he go back right his daughter will not be able to recognize him although there's video chat and what but like he miss out the the I will say the critical period, if if this thing drags on lah he miss out the period that like to be able to bond with his daughter and every time I see this kind of thing I will like tell myself very thankful for like


to able to have a job have like a have families support have like good friends like you and and like have a good education system and ya there's nothing for me not to be thankful of I I, I will still rant I will still rant like sometime ugh things don't go get my way all or I have a assignment that due next monday that I don't know how am I gonna write it but


but in general I'm I'm very thankful for for everything I had lah yes ya, yes we do


ya ya ya


yes, ya we need to meet up okay eh next week are you free , more free, then then maybe video drag all the beyond because like all the tuition come that I have I actually thankful for I actually like this morning right because like you know it last night I work in the warehouse again right so so I actually end up sleeping right then is like I woke up at around like one o'clock then my sister throw my phone to me and say


say that !hey! someone calling you so you know I pick up my phone right you know whats the first thing that happen it's like if someone say saying in chinese lah but I cannot say in chinese lah so I just I want say in english so is basically how it went is just like halo teacher can you come and come and teach my kids chinese


then I was just so shock I just woke up and then the first thing this happen but I was like did I overslept my make my tuition classes for later is four thirty which I later I need to go off lah so I'm just like what but is just that some parent actually intro their friend, they heard they are like friends or like other other kids to me to teach so like business is booming lah business is coming back so I'm actually like I very thankful for all this lah like for good parents also !aiya! like in this tuition industry I always like I always join a lot of group saying that a lot of people complain about


bad a a lot of like bad parents or bad kids or what for me there are parents who are a bit tricky but I won't say I really won't say that any parents are are out there to harm you you get what I mean I I really don't know how they get that kind of like vicious parents because most of the kids parents to towards me their


very very nice people and even if sometime they're words might be a bit hash because they have the best interest of their kids what they just want their kid to do well which I understand that lah but but teaching chinese, and like I also got teach english and math lah but some of the kids I think some of the parents know that like their kids cannot make it lah but that's for another time I there are I have a kid I have a


like I have a kid who told me uh her the parents told me that hi <P2>pei shen</P2> can you just increase the tuition lesson to twice a week until his PSLE because his chinese really cannot make it he really needs your help, then I just like okay so there are that's why lah I say business is booming so I also need to see whether I can like confirm your time can squeeze out one lah to to meet you and to meet friends also is just that like ya very thankful that now phase two opens and like jobs start to kick back and like I don't need to like cry and whine at home anymore


ah I don't know about you lah but orientation it's a bit it's a bit of a pity that you you cannot attend the physical orientation because that is the essence of like university life right for full time university life at least lah for part time can't be bothered lah ya because everyone is busy that's why


yeah, correct, yes


oh my god yes I for me for me because I got register my uh my IC for the pay now thing so I actually got it like a week earlier so that's great, by right is today but but I got it like last week eighteen eighteen or seventeen I got it already so ya


ya ya ya lor that's why it and like now election is coming but that's for another time eh we are not suppose to this not suppose to ya ya lor we are first we are first time voters right ya lor that's the thing


it's very it's ya looking forward to it I don't know , ya correct


ya then I I do believe that and the I mean actions speak louder than words lah they I feel that they show us through their actions that, they they really care for us is is not is not because they want to like get elected or what they they really have the best interest of everyone's heart lah so


but ya [loh] so that's that's something that we are we should be thankful of that we have like a very very capable government in singapore they are not the best of cause lah but is just that they are very capable compared to like my relative one living in malaysia which is


another story for another time maybe that will be classify under negative experience of your life yes , yes ya times up I guess


okay


financial related topic


okay so uh for myself I think five years ago I think what your point about spending on uh so so and so call unnecessary can be accepted but I think one advice that I would give myself five years ago is about planning


so kind doesn't mean non uh spending on non essential or even now there is a debate on what is essential and what's not but, the most important thing is that uh having a good sense of how the money is flowing so you may think that uh buying cloths might be something that is wasteful but


uh having a good plan and a sound plan on how much you can spend on it might just work so for example uh if you would like to spend much uh have a budget on buying clothes, let's say ten percent of your income right so at ten percent you are looking at uh let's say of a two thousand dollars ten percent we look at two hundred dollars and then how you spend that


two hundred right it will be personally up to you so if you think that spending two hundred on a piece of clothes versus two hundred uh buying ten piece of clothes uh is wasteful than uh I think it odd to tweak the mindset uh personally I feel that uh it doesn't matter


uh how much how many clothes you buy but on how much you spend on it right that's how I view it as myself eh uh for myself so I think planning is very important and it flows to the next uh prompter that was being given which is, should I DIY or get a financial adviser uh ya I think for myself should I DIY or financial definitely financial adviser what about you


ya so I think for in terms of finances uh financial adviser I think uh it doesn't have to be something that is very personal but you know banks can offer financial advice lah the insurance agents too over offer financial advice in terms of


uh small amount planing uh planning for it uh either big or small amount so I think is always good to have uh a second opinion and it might not count as a professional but it might be a case of uh someone who has the


aspect knowledge of uh, of uh finances which I believe can be beneficial but ultimately decision has to be made by one person right by yourself ya I think trust is something that is very important and I believe that uh you wouldn't want someone to make the decision on your behalf but you would want someone to facilitate the thought of it right


ya so ya definitely I believe that uh is good to hear a second opinion ya


yup that's a something that is, true uh I I believe that is suppose to be done that way and decision should be made by ourselves yup so I think uh in terms of managing cash flow I think this is something that is very very uh pertinent to us something that we ourselves uh can relate to


about managing of finances uh so ya maybe I would like hear from you how you how do you usually manage your income, in terms of I think the ya, I think you can lump it together lah ya


okay so I think managing cash flow uh one is to uh my practicing is to stay uh is to save before I spend so uh when income come in uh when the salary comes in the majority would uh first be distributed out to savings this would


actually guarantee a saving on my end so is to enforce that this amount is being saved alright uh apart from that I think major day to day expenses things like transportation food would uh even uh purchasing of


day to day items these are these these are the the expenses and then on better days you know spending on uh heading out to dining uh something that we can't do during this period uh ya these are all


part and parcel of, the expenses and uh definitely insurance in terms of saving for future but I think investment is something that like I think I can look into but uh it requires, a certain level of courage right uh this being a form of passive income uh which can be the fourth point we are looking at uh


passive income can come to waste one is it it goes the way that everyone desires right you know we make the kind of profit and gains that it suppose or we expect it to perform but the other way as what you can see now how the economy


looks like, it just going down crashing and perhaps you might see uh you are looking at companies closing we are looking at more and more restaurants closing today , then uh one more restaurant opening you know you are looking at facebook today looking at food blogs today ah not seeing restaurant open but instead you know food blogs will usually uh publicize new openings of restaurant are actually publicize publishing about


restaurants closing down and the list just gets longer by the day yup so, ya sure, you have something to add on it


uh yup that is true because I believe that uh hypes do die down and, trends do die uh but I think what has this uh pandemic being brought brought about is that we see uh a lifestyle change right you know uh it's not going is not a trend that you know one food trend rise and another trend dies down but


the whole economy is extensive so I think uh if we are looking at passive income lah uh they are key sectors to look at uh said saying on that I think key sectors also don't have to look uh how pron are these sectors are right you look at uh passive income in terms of


share and stock market you see today there you know uh in this period of the pandemic you are looking at major uh big players uh have having shares falling you know you look at things like, singapore airlines right the share shock drastically uh I was looking at another one which is sembcorp marine uh they are actually pretty much hit because of the situation that they could not uh resume work because they do hire quite a number of


migrant workers and these are the core backbone of their workforce right so because of this period seeing uh the shares slipping as much as twenty five percent on a single day yes


yeah I


I think there's always a uh ya, ya so uh there is always a saying that uh with risk come reward right so you cannot be expecting not taking any risk for any huge reward right so if you look at the


the shares now actually some people would say that is a good time to go in to some would not some would disagree and uh perhaps some would just abstain from it perhaps yourself would abstain for from uh getting your hands into it right but I personally feel is a good time


to buy uh but buying it uh and getting your hands on it requires prior knowledge on how the economy works and you know you talk about backing by Temasek perhaps that is one way that they uh can their debt facility but


if you are looking at getting uh how fast would it recover it would then depend on how fast do they get their planes on the uh into the air right so yup is very very uh dependent on the situation


right so uh I think with you know passive income aside you know how can we actively have the habit of saving and you know enforcing it so that you could hit your saving goals


because you do say you do save save right


yup, I think I would uh describe your way of saving as something very similar to the singapore story right you hear us the the country dipping into reserve looking at somewhere


about if I not wrong the accurate figure is at ninety two point six uh billion dollars and nineteen point two percent of the GDP, that's a huge amount uh and I think uh beneath rains uh at least you know that you are somewhat protected but


I think as what I have mention previously is to save before you spend uh that is one way that I make sure that I save uh yes uh meeting our saving goal I think having a constant amount to save every month is


is as good as having a final target is more difficult I believe is uh harder to sus sustain than to attain right is harder to sustain the kind of hitting your target rather than attaining a final goal right


uh yes uh savings savings are good but I think making good use of savings, more important in a way that uh if you do realize SIBOR has been uh, lowering their interest rates and thus you see uh banks constantly revising their rates uh dropping as much as one percent for some of the accounts for their uh paid out interests


so saving is good but we are looking at how can we ensure that these savings can, maintain its value as uh so that this, uh amount doesn't depreciate as inflation goes about


yup so I think spending money and justify I think, !wah! why why not I let me hear from you how would you uh strategies when you are playing for a big ticket purchase


uh let's jump to seven [bah] ya seven yup


current, I think the first thing that we as a singaporeans should per do is to firstly compare the prices right even even if you buy something that cost a dollar you compare with three different shops right


so , so uh, be it online shops or physical shops we do compare secondly is to really uh strategies how the place the saving would be and how the financing will be so it kill uh if you talk about house you definitely would finance it through loan right uh how the loan will lower


how much are you planning for the loan so the key here is not about attaining it but uh affording it that's what I feel ya


okay, negative experiences, !wah! okay uh that's not


I I think lost in life definitely uh, ya I think one of the more, ya !wah! this one is quite okay so what what happen was that uh back two years ago two three years ago uh actually what happen is that my grandmother pass away and then be it it was a difficult time for me because I was uh in BMT


right uh I was in the army uh and that was like the week of what is known as a high key event lah so high key events basically are usually few trainings out in the field so we go out in the field for few days, the sad point come here is that it was lucky it was on a weekends that the thing happen so I was able to


go down take a look uh it was something that happen so quickly so I just ended a like a six day out of field and then just out of camp you know, everyone is just wanting to have a good rested weekend because six days in the field without without uh without bathing without eating proper food eating meals out of of a bag


uh and then there you go you have a lost of family member and you know uh you are out for two days and then back in for another five and then you know that throughout the five days you don't have much so I think it at some point you feel very I feel very uh helpless on situation because of what I'm


going through but then I think the way to accept it is that this is a cycle of life right one day, ya you will never know what will happen and know, having to and in the chinese there's the saying that you know you you from birth you grow old you get sick and then you die eventually and this is a cycle of life so you


uh I think is about accepting it uh that helps one person overcome I think ya uh no matter how big of a fact uh of a lost or it is ya I think it will be


uh ya I think accepting the fact would be something that will help greatly yes what about yourself, I will say we don't really see each other but I think like we all seeing is a first time that I experience such a thing


ya, so so, uh first time that, it it it was because it was the first time that I participate in such a, uh you know like funeral possessions and you know it it was like totally blur on like uh what's going to happen you know they tell me oh okay pass away #liao har# so where's the body now that kind of question will come out uh so where do I go now what is going to happen how do I apply my


ya then even like how to apply compassionate leave was another question so that was like all over the place


ya definitely


ya, !wah! okay


about that's young that's young


possibly lah I think possibly but I think


ya, ya


ya, yeah sure lah that's true


okay, ya I think


I think second point is !wah!, second point was like link to my previous, what you stress, ya I think what make us stress the current situation, the current stress situation is uh stressful I I I think you agree with that lah basically


I think, keeping your sanity during the circuit breaker was, was just a was just a challenge uh it was just a challenge that's what there there was this joke that that people were saying that you know uh when women have after they have children they have confinement so this like the experience of confinement before having children


yes so that was something that that was a joke that was circulating, but I think uh the stress part come from we start to, sense that our lives are to get less normal right we don't see the normal thing in life you don't feel that it is normal to what you you push a no new normal side you don't feel like is normal to even wear a mask outside your house like


you know in the past when you are sick and then you have people still go go to work and then they are who cares man two panadol let them rest, that's problem solve lah uh so that was like yeah then but then now it's like oh the law requires you to stay at home and it's unnecessary stress to I I mean it's not unnecessary but is a added on stress especially uh I feel for people who are working and requires to be physically at


location there are certain jobs that can't be working from home right you don't see cashiers and and doctors working from home that is near impossible but, I think staying at home for that like that fifty six days of circuit breaker was quite a quite it put quite a number of stress to people you know it was trying to when the mode of life change to when you want to go buy something and then shop closes you can't buy it you know


people are buying something as simple as, uh, ya lor you put things like bubble tea a side but eh even wanting to get some uh, no like okay for example in the past you can just walk in to uh IT shop and then get buy thumb drive you know I had to buy thumb drives off the internet