he's very family oriented so I I really admire that because he is able to actually uh uh even work can come secondary and anything to do with family he's there to put


put family in front of anything ya that is him that's one thing that I really admire about him and then another thing is that he's able to give advice about anything, he's like the dictionary walking dictionary or the walking GPS about the about any destination he need to go to any information you need


if you know about a new place that has come up even a new restaurant even people might get to know about in one month later but he will already have the knowledge about what this place serves or he's very informative, that's one thing that I like so maybe because of that I have become lazy because I'll I came to do all that research and then another thing that I admire about it is that he has patience and tolerance with me


because I'm I'm more I am family oriented I do not have I do not go out and party with my friends and not care family I'm just work and family work and family because at work I also deal with children at home also I deal with children


so he makes it a point that I have my time I do know that I need to have my time that by child but when I get to work because I work with children it at work I sometimes uh, I overlook on the timing that I need to be spending at home so for me I feel that I'm becoming a workaholic but when I'm at home


I tried to make it a point that my time is always with them but even then you need to remind me stop looking at your group chats I know it's about work put it away so I admire that fact that he keeps me interact in track to make sure that I have family time and work time, these are the three things


trekking holiday vacation, ya movies ya


ya even drinking soju in the middle of the night, that's the only time we get for ourselves nowadays because our kid is still very young having #salamis sojus# having cheese platters ya those is all like two AM or three AM at night


, uh oh, okay I love the way that I I show care and concern for not only my child but every other children around me


ya because I don't think everybody would have the patience to do that, because of their character the friends though their upbringing their poverty or the the way that they are too overly pampered how to handle them I admire that fact that I can actually handle these kind of children and then uh is it one or


two ya one ya okay Khatik yourself


okay uh for myself uh maybe we will go through, err, did you get insurance from a single insurance provider or do you pick or choose insurance products from multiple companies so I mean I don't know the names of the insurance policies specifically but I definitely do across a few AIA great eastern


uh prudential uh I guess it's a balance of uh of what benefits they both provide or each each and every policy provides to the individual lah, and uh similar to <P2>zaifal</P2> I have uh what you call this hospitalization accident life uh


one endowment plan some cash reward plans as well for for savings ah and the like I said different insurance products from different companies have their negatives and positives lor that's why I I don't just choose one single insurance provider


over to you


I mean I think I agree with who as far as far like the coverage from the CPF insurance coverage could be higher for, for most reasons is to cover uh for lower income people to cover their expenses ah ah would you approach an agent or DIY of definitely I would approach an agent


for for insurance I mean to just better understand the policy to read the whole policy and understand it on my own would be very tough as a person who is not from the insurance line uh and uh, and how would I plan insurance I mean when we were younger my parents basically


uh plan more uh savings sort of insurance but moving from there they did life accident hospital uh hospital uh policies lah and uh I mean having a advice from a agent would would definitely benefit uh me as a customer lah


uh what do you look out when buy insurance policies uh I mean I in this current point of time for myself uh more on investment or or endowment plans would be more beneficial lah, but of course we move through different phases of our life from being born to growing up to getting married to having children uh having a family and so so for so I guess different stages of life you have different


uh considerations for your different thoughts how to insurance what, uh for my age currently probably more on the investment side of things for essential insurance, err I mean life hospital and and accident was settled many years ago already so at this point of time of life at thirty five more towards investment ah


uh, ya what do I look for in insurance agent what questions I would ask definitely more about the policy and how will the payouts would would come in what's the premium of course uh monthly whether I'm able to manage my income on that lah so I use about one third one quarter to one third of my of my percentage of my income to


to to spend on insurance lah just to let you know, I'll be eh


ya I mean for my uh uh for myself as well uh, I actually do do a mix of uh insurance and investment uh, just to balance out my own portfolio of, uh investment and uh insurance policies uh


whether I would advise people to do that like <P2>huzaifal</P2> say is really depends on the situation and uh how much you can afford uh but, uh definitely I would, tell people to take their life hospital and accident plans because for myself as well as same like <P2>huzaifal</P2> I I did not expect at thirty years old to end up in hospital because of uh


of uh what you called this sleep apnea or or, or even getting injury while playing football and uh, some of the great eastern plans that I had in place actually have uh help me to cover all my hospitalization and uh accident uh coverage during that period that that I was on hospital leave lah and I think yes


uh you might not see it when you first buy the insurance policy but over the past ten fifteen years uh it has really helped me along the way ah, as, going back to one of the questions question five asking about uh buying a car travelling overseas having children I mean insurance like I said lah it goes through different stages of your life uh and I believe that


there's there is some relevance to everything there uh for getting insurance buying a car definitely I am now using budget direct for for car insurance I I dropped AIG uh I think bio direct is definitely affordable and they allow you to cover for how much you want personally


if you want to cover your body kit lie or this and the tyre lah rims lah it's really up to you if not it will break down and and allow you to cover the main uh main aspects of your car lah uh, but I mean getting property as well I think property insurance is important as well uh but with HDB I guess I'm not too sure about those type of guidelines uh travelling overseas is a must for me uh for travel insurance I've seen uh many friends or even family who forget to to take travel insurance before they leave


and end up uh paying a lot more lah uh for their overseas uh medical expenses, having children definitely also another need for us to uh, to to start them off you want to to start their own


planning and uh and begin uh learning themselves what the policy is about and and, and what benefits them I mean it for me as well as my parents started me very young I never knew what it was but only on when I was in my teenage years I really start to to understand what insurance is about and and what's the purpose lah


so starting young is definitely advisable cause some some endowment policies you probably would not have it now at this day and age ah I think <P2>huzaifal</P2> also would attest to that lah, uh engaging domestic helper I'm not too sure about that angle as well and then uh engaging in commercial activity yes when I started some business uh we did take some level of uh insurance


to to cover us, when it comes to the rest uh I work in F and B for about fifteen years F and B we need to cover for fire need to cover all our staff for workplace injury so those type of insurance policies are very much needed for for those sort of commercial activities lah I feel


alright to that's true


uh uh I mean with the


when it comes to uh investment linked policies like I like I mentioned, before I think we we covered that quite briefly like I definitely am quite keen on this sort of things and when I do have some keen interest in it I do consult with a


with my friends or or with <P2>huzaifal</P2> sometimes even for for any advise lah on on investment linked policies lah as me as a consumer lah, but of course like different insurance companies have different uh different uh investment linked policies sometimes even CPF link but these have investment policy have actually helped me


uh for, for buying a home and I'm currently actually in the process of of of searching for a home HDB home, and uh I've and cash certain AIA cash rewards, err policies and also err, no some endowment plan as well to to aid me in my in buying a home mah so I guess these are also quite important ah from a young age to have an uh to to do some savings on that lah ya I think covered pretty much everything or is there anymore


(hmm)


I mean for for me personally uh most of this investment policies uh and what not, I guess there's different risk levels uh I mean there is other private ones out there that you can try and uh to do investment you know invest in business so on so forth but I would say insurance for me personally has has been the most stable lah and


and returns maybe low low risk low low returns but at the end of day ya it does give you a certain level return lah and it's quite secure and I have some level of confidence when I put, err money into investment linked property uh what policies or or and so on so forth ah so


I mean you don't expect a high return but but ya I think sometimes some I mean people different people like answer different, uh but for myself I I rather have uh moderate risk sort of uh portfolio for investment also lah I don't really want to go high risk high return ya


ya, at at different levels some uh, some like because I won't get for many years old so I have a pet


peeves of of tables that are wet so when I sit down at a table to, eat I'd rather be in the kopitiam or, maybe a higher restaurant so and so forth like I cannot Tahan if the table is wet like must wipe I don't know I just got a that's from probably a a work habit


from many years but uh I mean I learned that pet peeve is uh people who least aspect uh at least lah I think, there is a way to talk to people yes sometimes elder people also can be can be quite rude but I feel one of my pet peeve is seeing a younger or young youngsters young man ah


uh being disrespectful to to older people that's definitely one of my biggest pet peeve ah annoying ah, but ya different rates ah got different type of pet peeve lah


I think I think coming back to pet peeve also another one is is big one is admitting to your mistake ah, I think that is something that people the younger generation or even older lah, together lah there are people out there who, and then you go thing !aiya!


for sure lah so ya admitting your mistake that's something that also pet peeve ah if you really clearly states your mistake just uh admit it and and move on ah, any wrong like everybody makes mistakes when, ya ya correct correct true


worst ah, you think that you live in singapore still ya ya another culture different, ya (hmm)


uh I mean missing a fly it was one in philippines uh, same I I went I reached the gate ah this uh my wife wasn't with me, she she stayed on with her family so I I reached manilla then when I reached manilla I reached to I I reached the gate so I reached the gate and uh I don't know I maybe I was tired that day or something like that normally I don't really fall asleep but uh plugged in my music and I I kind of like just rested you know closed my eyes


the next thing I know somebody's waking me up like eh hi are you <P2>avinash</P2> but you don't know yes I am you are you just miss your what you call this there's a change of gate and you have to board the flight right now, ya so so ya so so so I had to run


with the with the with the flight uh not the flight attendant the flight admin staff and run all the way up to the to the the, next gate because in philippines is quite common that time I think it was the the second time I flew but it's quite common that they they during uh a flight right they change gate change from gate two to gate fourteen so I had to run from like gate fourteen all the way to gate two and then I uh we I went down with the admin lady and then I climb a bus


so this bus, literally drove, back from gate two all the way to gate forty, but from the outdoor, so ya it's quite weird lah so I I ran all that way but then the bus actually went back there because the plane was parked behind that


something like that lah I mean it was very negative for me ah I was even though right now you think back about it it's uh quite hilarious but ya it was quite a negative experience I mean other other incidents were were hotels in in philippines sometimes, uh or even, in other countries third world countries where you go to where you pay maybe a premium maybe sixty dollars per night when you go overseas to a third world country normally people uh see sixty dollars per night as quite a uh relatively good


four star hotel lah I would say but ya you go in and then the towel are not washed for me towel when like if the towel is like smelling and, and and the and have a strange order in the room smelling funky man, other people's hygiene issues and all that like !wow! ya that those are pet peeves ah going back to that question as well ya


embarrassing moment that make you cringe ah, ya ya ya ya, nothing you do is good enough


when maybe I'd start a new job and when I'm asking questions and learning right, and then uh and then people uh


maybe there's too much to understand, and maybe I go back to ask questions constantly is quite common for people there's no such thing as a as a stupid question in my opinion, but ya sometimes you forget I mean we reaching a age thirty five forty where we start to forget things so so uh when people tell you off ah and tell you like eh I told you already what this and that and this and that I mean I understand uh going through the motions maybe over a year I still ask you the same question ya fair enough


I think it will should make you cringe but ya sometimes I do this kind of thing maybe I'm I'm starting to get forgetful already ya and then uh it makes me cringe ah for myself but ya it's also a case of bringing back to nothing you do is good enough, so uh I mean being set pressuring yourself to to keep pushing yourself and and and and doing learning a new tasks and all that it's a it's good lah and it's always but always uh negativity will definitely come towards you uh when you trying something new ya you afraid or you


you feel others uh judge you uh ya so these are things that that, that, prolonged your negativity lah towards towards uh embarrassing moments or or nothing you do is good enough lah


helpless lah ya, ya I mean might I ya true


I mean I I refer back to another accident my my auntie just got into accident like three days ago, uh at ang mo kio avenue five and uh her family were because of COVID as well right your family is trying to to get into the A and E to see her the two daughters and my uncle


ya ya


and then uh I mean for me personally uh lost in my life in your life uh both my grandparents my from my father side uh very respectable people my grandmother late grandmother and uh grandfather uh and uh like, who this say their their life they live in a very structured manner and you really respect them for for how they persevered lah during those times in singapore uh early uh moving from first world to second world ya when like


they are really tough people lah I guess and uh, we always think back on that lah I mean it also leads to to our younger and older generation whether they understand all this kind of things lah and whether their parents also instill that in, within them lah but ya


lost in my life I think they the when they both passed away it was uh it was actually back to back first year and then the next year my my grandfather, I guess for my grandfather he couldn't live without his uh uh his wife my grandmother uh they ya I mean it's actually like really true love lah like !wah! when you see them actually both the in the hospital when when my grandmother passed away it was like he was so devastated and that one year later right


it's like his health just went down like totally they because he just couldn't err comprehend being without her lah, so I mean no matter what I mean my my grandparents had five sons lah so be meant like everybody wasn't as emotionally in in tune lah as uh as uh as women are lah so ya man so that was the I mean to see see them


deal with their loss was was personally also very negative for me like to to to see the anxiety lah that you would feel lah if you actually miss live with somebody for almost sixty or seventy years of your life ah or sixty years of your life ah


and uh and and you just lose them all of a sudden and you are alone uh ya I, it is the very uh cringe feeling or what negative feeling lah that I feel right now is ya ya


(hmm) ya right


I mean coming back to other things have you ever been ostracised or feel ostracised ah, I think maybe when I think when we are in childhood or when we are children that's when you really feel, uh a lot of this kind of being ostracized that and you are starting to learn about society and


ya understand culture and how people thing ah so when I was younger yes I was a I was a big fat guy lah and I am now again , but I don't care what other people think at the moment but ya, but when I was really young uh ya I was I was a big guy and uh what you call this


you would you that they used to have this thing called tough club when we were in secondary school so ya when I was in lower secondary I was part of the that club and then they you know they call you out to do more exercise and they they do it over the PA system like oh my god like eh eh you


that was one of the most like ostracize feeling I felt uh uh personally when it comes to to growing up lah uh but of course later on I of course after puberty hit you grow tall boom everything gone, and you and uh what you call this everything seems fine but sometimes I think back on those days like that one or two years like in lower secondary like !wow!


you know when people just judge you for for for being a certain rate or or, or the way you look I mean nowadays you look at the young generation where they look at instagram and you know that people with perfect bodies and perfect uh facial experience or or what you call this uh looks and uh and they just


think of it very visually and about people you know society is starting to to change really drastically, and I hope it err I hope people can I mean the younger generation would would you know , I mean I feel social media is the is


it's a bad influence lah the pros and cons to it lah really, I don't know whether you watch the netflix already <P2>huzi</P2> the the social dilemma should watch it uh it's good uh, should watch it man ya ya true true correct bro ya lor


no need no need to be millionaire [lah] no need to be millionaire happy can already (ppo) alright


for myself first I would say of course one of who my greatest hobbies is of course football but the problem is at my age right now uh I don't like carry too much weight on myself to even try and play football


but ya I definitely do enjoy the the the regular futsal game uh once a again also played football I even played with <P2>huzaifal</P2> also when, we were at the poly uh quite regularly we did as much as you can to play football, but ya it's one of those things uh from my neighborhood as well I used to play as well so from a young age uh it was it was really a fun activity and uh and grew grows on passion with it lah and


with of course singapore having english premier league as as one of the things that, everybody watches uh it is something that that you can bond with uh with the commonly with your friends here in singapore ah and uh, it's basically every other person that you know is watching football or knows football about football in this country lah uh


to talk about singapore state of football I'm not gonna quite uh comment on that I think you all know what's the situation so goal twenty ten lah goal twenty ten yes, ya okay


ah for myself uh best pass of your childhood ah so I think, growing up uh I I I came from a fairly uh well through family and uh and my my parents were uh always taught me how to respect uh my my grandparents as well were my late grandparents as well were were very fun and very err loving people they were great cooks so my family


basically err, very engaging and uh and very family oriented always having gatherings for birthdays parties uh uh food is always uh, ha ya, ah weekends


uh but they get this one also so so I mean those were were good memories for sure, uh to always hold onto uh that show us that uh family is very important uh amongst uh, all other things when during my childhood lah and uh I learned how to respect our elders and and and uh keep that keep that team going ah with our with our life now currently also


!wah!


ya ya ya oh deep ya deep


, I agree ah swap, ya


I come from a background of uh working in F and B nightlife and meeting lots of people I mean lots of people from the from the other uh uh, other side so the other side or what so


so I mean yes uh getting married actually arguably eh uh is one of the best thing that happened to, me uh personally to to get some balance in life yes agree I mean other than that err some of the best, thing that happen to best thing I've done for myself I think was to grow start to grow more


independent uh and and not rely too, much on my parents as much as possible uh those are are things that that, personally I'd try I'm still also trying I'm not gonna say I'm perfect at it but but I want to try and uh and be independent from them and of course


move to a stage where I am the one able to take care of them in that sense lah those are things that that we are aiming for lah to do for ourselves lah ya, ya


so I mean moving on to who do you cherish ah uh,


through that, ya so I mean for myself also same uh uh parents grandparents family lah is definitely important wife as well uh


I think for me personally because my parents like they gave us everything from when we were young to, where we are now brought us up with our with their values uh definitely cherish the most I mean some people tell me uh there's a I was telling <P2>huzi</P2> before as well or even most people during my speech in my wedding that most people say that uh uh what you call this uh they they


they follow religion and so on so forth, I mean for myself I do follow religion but for me the most important god in my family is my two parents I think they they are the most important ah uh as compared to to following a god I mean for me they are the ones who are there who have taken care of you and and brought you up lah so that's something that I feel lah personally


best song lyrics , I think this question skip ah dude


skip !wah! !wah! you go, my one got my one got vulgarity so I think I'll I skip this question lah,


that's why that that one for true, okay lah next one lah next one lah, ya


you fair enough we has , yup ya ya true true true


multimillionaire but then then after that give back to community, also lah I guess that's something we will probably do uh try to do uh always, to a certain level you have to


alright man come on always know where you come from man always know he come from, be humble there that's a that's a that's a lyric right like there ah be humble ah, , that's a lyrics song leave it right there


ya, that's true


I mean for for me I like <P2>huzi</P2> <P2>huzi</P2> I know he like cities but for me I'm I'm more into beach that kind of thing for me and my wife especially so I think one of the one of the stand out uh uh experiences that we had was just, after uh my so I had a a wedding in philippines my wife is from philippines so we had a wedding there I mean friends family all came and then of course everybody uh had to go back after that but subsequently we were there for another week just to hang out with her family so we actually took a small a mini moon ah mini honeymoon ah


to a a place called Siargao so Siargao is the uh the surf surfing capital of of philippines, and uh I mean I didn't think much of it it was like a three day trip so we thought okay go lah so we went there and, uh amazing uh what I experience like like within that island itself there's like five or six different like rock pools and and uh and and waves that you can see uh different type of sand beaches snorkelling you name it lah I mean it was all retain in one island and the


and it was a great experience I mean cost wise also it was affordable, so it was a very affordable yet uh simple and and very chilled trip lah I definitely recommend everybody to go there, that was for travel experience lah, (mmhmm) concert ah


liverpool one ah , what that wedding ah


what is your biggest blessing in disguise tough man, best surprise ah I mean, describe a time when you can't wait to attend a special event or concert uh when <P2>huzaifal</P2> got married lah I guess I could've


but I mean , but okay lah I mean like like a ten especially when I mean when you see your friends and and and also moving I mean family is always important but when I see friends also moving on and


and getting married and and getting old with their life is also quite enjoyable to see that everybody in the same, uh same uh what you call this same level like moving along together lah ya the same train of thought ah basically ya so it's uh those are all small small special things that that I think about sometimes personally lah uh


other than that, ya special events concerts you know, alright there's a share a funny, inside joke go ahead lah and carry on


plenty ah , let's, better lah better lah don't talk


you go concert what plenty, music


a new album coming ah, I mean best surprise


best surprise ah, not really eh best, got lah got lah but I don't like to be surprised lah


got pet peeve ah, best surprise ah can't remember eh but you want me I can talk about the, felt the luckiest ah


err, !wah! best surprise when ah yes, I mean got lah I mean when when I was in australia and all that the uh


I I regularly my when I was in living in australia and and and and studying there, so for the two years basically I didn't really come back I only came back once I think during that two years so my mother my sister also lived in perth at that time I lived in adelaide


so I regularly do go to see her lah maybe twice in a year I would fly over to perth and and visit her, so one time I fly over there and uh I mean I my mom is somebody that I don't get to see uh during that two years and I only can speak to her over the phone and I was at the age where you know you just talk to her for a while once a week can already


but, but ya you uh so I came over to perth the to visit my sister and they they both uh I mean she didn't tell me lah when I open the door my mum was there it was it was a very very uh, I think one of those really big surprise ya really I think ya to to to see my mother like ya I mean that was like a probably a year I didn't see her or something like that cause I didn't go back home to singapore


ya so ya that was a very big surprise actually and was uh you know kind kind of like stand out lah, so ya, that was uh something nice to see her during that period ya


so the first question is , do you have personal insurance if so share the details


yes uh personally I have a, insurance for myself uh, first and foremost I have a, hospitalisation insurance because as you know uh for singapore the hospital bills are very expensive lah, so personally I have uh from great eastern life


uh supreme health uh plan, which is the medisave uh portion, which is uh the basic hospital plan lah, and on top of that I have the great eastern total health plan


which is the rider, which helps to pay for the co insurance and the, for my hospital bills if I'm warded lah, uh just to share I think I've been warded two or three times throughout my life ever since I got this hospital insurance


and err, thankfully I managed to claim from all I think it's been three different, hospitalization experiences lah, so, I am grateful that I had the chance to claim


from this and uh and I have feel that, uh it was worth it lah it was definitely worth it okay so


do you think CPF insurance coverage is enough for your insurance coverage what are your thoughts on dependant protection scheme medishield life eldershield medisave, , uh it's it's a good start if you have CPF insurance coverage for yourself


but at the same time I don't think, it's err enough because err, government has been doing all these schemes to to sort of uh protect us and ensure us, the for the uh minimum requirements that we can have


but at the same time, we can uh further improve our coverages, like for example on the dependent protection scheme, it's it's it's a it's a it's a it's a it's an insurance that is provided by the government


and I think it insure us for forty six thousand if I'm not wrong, and I think it's a good err, uh scheme that is done by the government, as you medishield life is like the basic hospitalization


coverage that every singaporean has, but then as I said earlier it's not enough, if he just depend on these medishield life we need to have better, err, hospital coverage for ourselves, as we regards to eldershield eldershield is a


disability insurance scheme for people over forty years old, space uh singaporeans over forty years old, again err the basic eldershield I think is a, it's a pretty good scheme that is uh introduced by the government


with regard scheme, disability insurance ah, again there is also an option to upgrade to a higher payout, and uh, lastly medisave, ya medisave is a compulsory uh


contribution you need to make from our CPF, err again, like I say again err, it's not enough we just we really need to upgrade our hospitalization coverage, and we can't just depend on medishield life or medisave for our paying paying our hospital bills


that's all okay so


firstly I will ask them what do they do they really need and want, when comes to their insurance coverage at the moment


it's no point you, sell someone something that they don't need, so for example if he's a twenty five year old, man, as compared to a forty year old man, their needs might be different, so


I'll probably ask things like affordability I'll ask things like, what do you want to do with with your surplus income, and and where do you want your money to go to, you want to protect yourself against uh deaf do you want to protect yourself against a critical illness


do you want to invest your money, do you want to, uh buy term insurance and invest the rest of your surplus income, so these are the side the kind of questions that I will ask my client when they are planning their insurance coverage


buy term and invest the rest, we mix insurance but, , uh there's no a right or wrong answer I feel in with this with regards to this question, uh, the the term the the meaning or sorry the the phrase buy term and invest the rest is not wrong where you can actually buy a term insurance to protect your your your life


for a minimal amount, and you have your surplus uh income you can invest it in so many different avenues lah, like, SGX or you can invest in all the sorts of funds in terms of bonds or equities and such and such


sometimes, I feel that, is always this two different, err parties that they feel that, no you should just buy term and invest the the rest or you should just buy whole life, you know


you should not just buy term and because there is no cash value when you just buy term, I feel that either neither party is wrong lah, ya so like, for example the question do you mix insurance and investment, I think this is uh with regards to ILP investment linked policies


so to me it's not wrong either it might actually serve your, of your your purpose like you want to invest at the same time protect yourself against death critical illness, total permanent disability and


so forth, so I feel that, both ways are okay, and it's up to the individual to, to, to to find out what's bad what's best uh for you and was, what's like what's most suitable for you as a


err individual, ya that's all !oho!


things like buying a car property travelling insurance uh travelling overseas, I think for buying a car is compulsory ah so there's no uh alternative to that, you need to get a car car insurance when you get a car


for property I think it's quite a a overlooked uh, how do I say this overlooked option, my feel that for when you get a property it's important to get things like sorted out like your mortgage term


and not forgetting your fire insurance I think we heard stories in the papers in the medias about how, , uh some unit in a block, I think there was this case recently in toa payoh where a a unit caught fire and affected a few other units around the the same block


so I think that's pretty important, they're traveling overseas all are no brainer you when you go uh you need to get travel insurance for yourself, cause you never know what might happen overseas you see, and we've heard cases whereby people have had to you know raise fund and


come out with go fund me pages just to bring uh someone back from, overseas so, I think having a travel insurance policy will definitely help a lot in case something bad happens over there, having children like just to add what <P2>avenesh</P2> said, there's so many things you need to do like for example hospital insurance


like when and when the kid is healthy you should get it, cause once the kid has some, uh illness for example like asthma, or you know something even worse, you you probably can't cover the kid anymore for for ya touch wood, so


again uh engaging a domestic helper we I mean I I personally don't have any experience with that but, I have heard cases whereby, uh a helper might actually, fall ill or get into an accident and all that, and then the they the employer has to pay for all the bills


so I think it's essential I think if I think if I'm not it's a it's a compulsory thing right to to to get , insurance insurance for their helper, uh yup so I think <P2>nesh</P2> covered the commercial activities as we said earlier on, so ya


so okay <P2>huzaifal</P2> you add on something uh, do you have ILP policies what are your thoughts on including ILP in your insurance portfolio, uh yes I do have ILP policy uh, I feel it's it add something else to my insurance portfolio


, cause I believe in dollar cost averaging lah so this dollar cost averaging when it comes to like recession or it comes to when economy is doing well, it it it sort of averages out, your your fund performance ah in your your policy so I I I I feel that


I do need this ILP in in my portfolio, so, there are although there are people out there who feel that, ILP are not good policies are a waste of time and all that, I think it's an additional uh, additional how to put it


weapon in your armor , so, uh I don't think there's anything wrong with the ILP policy in your in your portfolio, and uh, uh back to question nine what kinds of insurance are essential for people of your age I just turned forty one last month


so, I think we can't we're getting older you need to make sure that I mean obviously you already have things like hospitalisation and life and you know, maybe you can for people at my age I would, like to think that we will look into things like physical illness coverage that's where I think


a lot of us would probably, not say a lot of us won't be a few of us would probably get, not so well you know you can get sick, so I think it's best to to to look into that, end terms of critical illness coverage, err like <P2>nesh</P2> said earlier like


you might want to diversify your portfolio lah you might want to look do more things like, retirement planning in terms of uh, you know how much you want to retire with at the end of your career and also not forgetting things like


maybe strengthening or solidify your coverage ah in terms of life, accident critical illness, things like that ya ya


what percentage of your income you spend in insurance , percentage wise I would say easily about, twenty five to thirty percent, ya


how much coverage are you getting from insurance , I mean besides the hospitalization which is on the extra species, I also have a, life coverage of about half a million half a million dollars sing dollars, and also critical illness coverage of two hundred fifty thousand


and I'm looking into, increasing the coverage eventually lah within maybe the next two three years I think that's a main priority for main priority for me, so ya I think, everybody should put some percentage of their income to insurance it's pretty important thanks


okay <P2>huzaifal</P2> here this one I have to start man what's your biggest pet peeve or what annoys you the most, I mean there are few things that I am pissed off with lah to be honest but, lately ah lately ah got this pet peeve i really cannot Tahan I your turn


when you when a friend or family member in front of me right, chews the hell out his food , I got ah I don't want to say who lah I don't want to say who lah oh my goodness, that is just annoying me it annoys me to no end seriously it's the my biggest pet peeve I really cannot Tahan this one I don't know why maybe it's a age thing we're getting older


last time it didn't bother me so much, then now like I were these few people uh when they eat ah so, so so loud, so ya I it's just annoys me to no end lah, yup


okay won't uh <P2>huzaifa</P2> here so we're to regards to what <P2>nesh</P2> just said then the talking properly to the older generation eh cause I saw a question here describe what you dislike about the younger older generation


I think that it applies here lah some of the younger generation really uh they they don't have manners one, they didn't need to learn manners I feel that it getting ruder that's compared to maybe my generation or <P2>nesh</P2> uh me and <P2>nesh</P2> 's generation


sometimes you don't have the basic respect for not just older people but people in general, ya and then, on the other on the other hand for the older generation sometimes you think they know everything and they are the they are correct in everything like you know some you you don't have to say who lah some family members or people outside


in general the older ones they like oh everything I do is correct one everything I say is correct which is not right lah sometimes you, you you when you are older doesn't mean you are correct is it, somethings you do or say are wrong so that's what I pretty I really don't like the the feeling of entitlement ah I'm older I'm more experienced I'm wiser I know better than you no lah that that that doesn't apply for me that doesn't apply for me


it's a ego thing ah it's a ego thing, ya


just just admit what nothing wrong what you won't be ya you won't become poorer for you and you know you just just admit you're wrong lah if you're wrong as long that's all what then move on move on from the


so I think, there are that so one of a few that's actually a pet peeve of mine but not so big as the chewing out, loud one ah that one I don't know lah it just kills it for me I cannot, talk about uh your worst travel experience !wow! there was one time


the experience was good, it's just the flight coming back I missed my flight in bangkok because of the traffic jam, I think it's worthwhile maybe seven eight years ago I can't remember uh it was a bad traffic jam you know ah bangkok traffic is just horrible all of the worst, moment I reached the airport


we were not allowed to check in then it was like, A plus in the evening, you couldn't go home the next flight was like hours away it's too expensive, so we had to sleep at the end point until the next morning to get the next flight out to go back to singapore so that was the one and only time we had to sleep at the airport


and uh with my I was ya I was with my my colleagues at the point of time that was insane lah, and and and you sometimes, ya it was sometimes you take for granted your, the things that you have at home like your changi airport ah changi airport is really amazing ya so when you are when you are overseas is just different ah the airports are different the toilet is different the food is not the the standards are not the same so that was bad that was a bad experience for me lah I don't know about you <P2>nesh</P2> what about you


spelling funky ah


I see that is quite interlinked


<P2>huzaifal</P2> here embarrassing moments that make you cringe, !wow!, embarrassing moment I don't think I can I can think of something at the moment but never mind let's move on to the next one


what disgust you ah disgust me uh, people who feel that they are superior to you, people who feel they are better than you and they are not afraid of, showing it and saying it I think that's quite a disgusting thing to me I don't


I don't like people who like to talk down to people make fun of them, I mean if you make fun of usually as friends is fine but then and then you you can sense the difference like for example this person feels like he's better than you tries to, outwit you when I'll talk to you by by you know


being sarcastic or just being rude sometimes, I think that's pretty disgusting to me I think that disgust me a lot


but uh I think couple of years back uh my dad my dad was in was performing the haj, pilgrimage in mecca with my mum


unfortunately he had a infection weston septic so he fell ill so when he fell ill over there he it was quite bad they they he had to be hospitalized there so and my mum had to handle everything on her own


so it was quite tough for the for her and for my dad, and uh fortunately we had the help of the, the government and then we we after like couple of weeks of hospitalisation there he they managed to bring him back on a flight come back to singapore and get treatment in SGH


so that whole month plus was quite tough for my family and for myself personally not something that happen to me personally but it is a in general as a whole for my family, so ya, cause the feeling of have not be able to help your loved ones


ya you helpless it is just tough, you can't be there for them you can't you can't do anything you are you are separated by distance and there's only so much video ya video calls and do also fortunately he is fine now so ya


tough


it's really tough ya it's really tough


early days, just partner


(mmhmm) I understand understand


just to add on to <P2>nesh</P2> 's point I think when when comes to lost I mean for me personally I have a lot I don't have a best friend but I have a lot of very very good


friends so I think this happen I think about four years back was it five years, !wah! it's been awhile but I have this chinese guy friend was like my closest chinese guy friend lah ya ah he passed on


in a motorcycle accident in JB in malaysia, he was on his way up to when I think thailand or something with a group of friends he he loves to ride bikes so he actually just bought that BMW I think it was only his second time riding that bike, so uh you he usually uh ride soft at night


then uh I actually saw his facebook post an hour before he passed, so, and uh he was like parked somewhere in a petrol station in JB JB saying what he was on his way lah, so ya and then previously before that I was supposed to meet up with him for like


our usual teh tarik sessions lah you know he's he's a he's a funny guy lah he reminds me of <P2>nesh</P2> a bit actually he's like miss my age we grew up from second second one all the way together always kept in touch even after we went to different schools and all that he's like the only chinese guy who I will speak in english to then he reply to me in malay


cause his malay was that good then uh, when I I got a call from that night from a fellow secondary schoolmate who told me he will he passed away I said ha why what happened I just saw his facebook I couldn't believe it, so he was on his way to thailand what on a bike then and he hit me when he told me that he was in an accident


then I was like oh my god then I felt, so bad I also guilty because he ask me out for a few sessions, of the like a, couple of months or month before that to that but I couldn't go because I wasn't free, so I felt so bad ya


until today I still can't delete uh photos or I can't really his contact number from your phone it's just, sometimes I feel he's still around you know and uh actually he's no longer around it's been I think three four years ya, I actually went to the way I went to the way I went to the


that was tough


definitely


oh I haven't watch that, but I think ya need to catch up on that, just to share with like uh some injustices of the world that me you angry uh things like, I think there's a few thing going on in the world right now lah like


that they they makes me not happy lah things like you know until today of that twenty twenty still things like racism and, racism just doesn't doesn't make sense to me lah to me we are all made of different colours what, that's what makes us special so what's the difference between


brown guy and a black guy and a white guy whatever guy lah, it doesn't matter we all human beings what we all have feelings, so things like this shouldn't happen in this day and age it doesn't make any sense to me it's the probably the biggest injustice right now for me personally


and then at the same time things like you know, (ppc) like if you want to talk about, things like, for example, war like, why why do you still have to have war


are those those should be part of the olden days already what, like you want to gain gain power you want to gain, uh countries you want to gain space you want to gain you know their their wealth things like this


must kill people just to get get the space just to get the country, you know things like this I don't think it makes any sense to me lah it doesn't make any enough wealth for everyone that's all ya exactly


so <P2>huzaifal</P2> here what is a hobby or duty that you felt happiest doing as a child, uh definitely a footballer


cause when uh when I was in primary school I still remember in fact in kindergarten my love for football just, just got bigger and bigger from there, I think it's never stop so whenever I had a chance to play football like recess time after school even before school


playing football was uh, thing that make me happiest lah as a child so I think uh that's something that, I hope I can still play when I'm fifty cause I see that a lot of my friends have stop playing but I do have one friend still playing at the age of fifty fifty fifty five fifty four so he's like a role model to follow


so I remember when I was a child ya it was something I look forward to not just, playing it like if I watching kid football, reading about it also my mum my mum actually was a librarian so she actually got me a lot of footballs football books and magazines from the library to to she got she indulge in my favourite hobby lah so I would say started from there ya


, uh <P2>huzaifal</P2> here what were the best parts of my childhood , there were a lot of different things about myself that and I I liked but uh, I think the best parts of my childhood is spending time with my great grandfather because uh I think he


he really doted on me I don't know for why for some reason but he did lah maybe because of I was the first grandson, so I he passed away when I was like, eight years old so we only spent eight years together but I think that was those were the best parts of my childhood lah spend time with grandfather he taught me how to


play chess he taught me how to read newspapers in the morning, and uh, all the small small details lah he sent me to school on his bicycle, the old chocolate bicycle, so those were the things that I still remember today like you know things like all the small little gestures that that the my late grandfather did so something that I'll never forget


weekends ah, like weekends like that lah, ya


okay <P2>huzaifal</P2> here what is the best thing that you have done for yourself, !wah! the best thing that I've done for myself ah, !wah! there's a few good things that I've done for myself , !wah! but then there's also a lot of bad things that I've done for myself as well uh probably the best thing that I've done for myself lah


probably getting married ah, getting married was probably the best thing I've done for myself, no lah my wife not at home she went out already so so I'm not to not to not to carry ah no I don't want lah , but uh she the best thing I've done ya it's to get married because I think it kept me centered kept me stable kept me grounded sometimes


uh it's best to do, it's not about compromising all the time or it's not about, letting the other party win or you know things like that but when you get married is is, it sorts of bring out the best in you


and uh tries tries to make you, stop all the stupid things and stupid feelings that you have inside something like that if you know what I'm trying get it, so ya you always think of the best


for your partner, so in terms of , you are just providing for her is just is also to do, to always be be balanced ah be balanced, sometimes is sometimes you are alone is just you want to be selfish you just want to do your own things you just think of yourself


things like that but when you take care of somebody else's daughter ya it's a bit deep ah for a sunday morning, so, but uh but you think of someone else and then you take care of the person, then uh I think it's a good feeling lah I think <P2>nesh</P2> also will agree to this cause he he got married ya he got ya


the other side of the world lah just put it away


, ya I think for me like <P2>nesh</P2> said for the parents lah is, we are striving towards it we are not there yet we are not there yet but I think


hopefully we as as long as we alive we will probably want to improve ourselves and be better so that we can provide more and more for them lah so, ya, who are ya, what about of course for me and I would say <P2>nesh</P2> as well I think it's our family especially my parents cause uh we've done so much for us from maybe we were born until now


even until at this age, they always think of you first, so I definitely cherish them the most besides that my, my my wife of course and of course uh my family my brothers even my sister in law my grandmother my grandmother is the most uh inspirational person I would say right now she is probably


the most oh today is her birthday by the way so I'm going to celebrate it later and uh she ya so she's err the most discipline eighty seven eighty eight year old woman I've ever seen in my life, ya she has a structure in her daily life that I don't think anybody else can match in terms of how to to to reach that level lah it's very hard


so ya assume, if I can be half the person she is I think that's that's good enough for me


, and then you want to come up with lyrics all I think lyrics is just uh sometimes we


do they actually know , but if it eh never mind lah maybe one song at , err that comes to mind ah, bro


actually half of the songs I like ah all of vulgarities one and probably half is, half the singers in the best are all dead so, his uh not exactly not not exactly positive ah uh never mind later we can come back to that, how would your life be like if you were a millionaire !wah! if I'm a millionaire I wouldn't be talking to you right now lah that's for sure


I nail on the head lah nail on the head, so if I was a millionaire I will probably be like , I will think of different things to do in the day like not work lah of course we don't working is not a is not an option


when you are a millionaire you probably be doing spending your cash investing the rest let the money work for you, won't don't have to worry about small stuff you know you just tell your wife to chill you know don't don't work let's get the helper clean the house we can just go out you know explore different things I think now COVID cannot travel right so


when it's post COVID you can world travel like every every month once a month, you'll take care of the people around you your your your loved ones, I mean this is not millionaire lah must be multimillionaire lah millionaire not enough lah singapore ah, ya


of course lah definitely you cannot you cannot be just uh enjoying yourself don't be don't ya you have to you don't be selfish lah , don't forget your roots ah uh ah, uh


ah oh ya be humble before you stumble, , err okay let me skip to a travel experience that left you in all , uh there's been a few but uh there's one that I went to US I went to the US in twenty seventeen I went to biggest


so that was a pretty good experience uh it was as colorful and loud as I you see on a book in the movies and TV lah, and uh they really don't sleep over there lah it's like crazy crazy people lah, and and and we not just the biggest I went to like different parts of states like


I still remember I went to this place in I think california I went to yosemite national park very beautiful park is like, I'm not really a nature kind of person uh when I was there I was like !wow! this is this is crazy the weather was so nice I mean I mean I'm a cold weather kind of guy


I enjoyed it very much and then they just a sheer immense, views the the views to the sky it's just amazing it's just amazing


okay let me answer this one what was the happiest moment in your life, okay actually got two lah got two, this one anybody who knows me very well will know what are the two most happiest moments of my life first of course when I got married lah that one undeniable lah this this one must say lah don't say should


uh yes, tell you that was the happiest moment of my life I think my wife even thinks that one ah my wife even thinks that one is better than the the weddings itself


but she will never say it to my face , so that one it was just a priceless uh moment that I think I can never forget I mean it's been thirty years thirty years ago I was ten years old when we last won it now I'm forty one it's crazy so that was something I will never forget lah ya


!wow!, I don't know whether it was a joke or being sarcastic man seriously


growing up ah


!wah! I think the the inside joke right, I think really cannot go on this show oh I what this in this one cannot ah, this definitely cannot go on this, I think it's let's put it this way lah that is is unbeatable lah


, for me I think describe a time when you can't wait to attend a special event or, concert I think for myself, ya so for me personally I love enjoying I mean I love going to concerts


ya ya ya it's one of my things to do lah so I think there was this concert by, this was way back I think this was, there was this , when I was !wow! I think it was nineteen nine


the seven ninety time seven, uh I think smashing pumpkin scheme to singapore for the first time so there was like a big deal for me big we big deal back then so so when it happen then I was like !wow! they really coming to singapore so when they came to singapore I was like okay this one I got to go I was really looking forward to it's like you grew up with this band right


they grew up at the bank and you and they actually come to singapore we better go you know so I were I when I, when it happen it I really went with my friends ah at that point of time so, so it was a very special time ah which I look back on fondly of course


I'm sure you have a best surprise ah, uh you've never been surprised before meh


I mean nobody less I mean not few people enjoy it but not most of most of us don't enjoy being surprising ya


(hmm),


ya !wow! that was cool man I didn't know this


part one finance, okay I'll, I'll ask the question so


sid how do you spend your money which expenditure is justified and what have you been spending too much on


ya I think mostly similar to you in that I think in singapore one of the biggest sources of expenditure unnecessary expenditure is when you go out and you the place you decide to eat


and where you decide to go out if you go out with your friends at night have a drink or something because alcohol is incredibly expensive in singapore I think those are the biggest drag so in general I tend to avoid the situations and go to places that are cheap if, my friends would like to have a drink I think it pays to be clear and have everybody on the same page about deciding on a place to meet that's cheap you know because


if you are not upfront about that then you guys will end up going somewhere which one you you your wallet might not agree with and then you end up spend you could have easily ended up spending a hundred dollars on a night out with which you didn't need to , but I think there are essential things that one need to spend money on ya like you I think it's important to have some sort of a gym membership and of course you need to put money into your insurance assuming that your parents aren't paying for it


we are blessed in that as in you know you and I both blessed in that we we don't live by ourselves we live with our parents still so we don't pay a rent so, kind of course apart from that we will have the


we will have the expenditures that just come up from time to time I I think most of my expenditure are justified and I tend to keep everything to the minimum possible I also do tend to help my parents out of the groceries whenever possible but, I don't see myself having overspent on anything over the past couple of years I would say my biggest expenditures would be things like travel but I carefully set aside money for that and because I'm not making that much money as a student right now


I make it a habit to ensure that at least save fifty percent or whatever it is that I'm making as as a general rule of thumb ya so you know as long as I'm keeping the that I'm generally okay with my expenditures you want to ask me the uh ya


ya you can ask me the next question since I asked you the previous one


right I think there's a tricky question because I mean we do live in a society where there are a lot of financial advisors out there we take the per capital amount of the ratio of advisors to the population it's pretty high in


singapore I don't think there's anything wrong with hiring a financial advisor I think they get a lot of flag unnecessarily but they do take look in singapore we are in a unique environment because, we do the state takes uh a lot of active intervention in the individual citizens finances either through CPF or various schemes


and at certain times being updated on the changes they constantly make it's pretty hard for the individual so I think that's when financial advisors play important role you know they take the time, to learn about these things so that they can advise you on the various you know the regulatory changes that the government frequently makes for I know that the CPF withdraw age is consistently increase CPF life terms of change it's important to know about that and also financial advisors


are updated on things that you know retail retail banking changes in terms of the interest rates the fixed deposit amount and if you, you don't have the time or are absolutely like you absolutely don't want to have anything into it knowing such information it really pay to get a financial advisor at so I I think


and once you took insurance into the mix it's a whole other ballgame so I I'm not opposed to but, once again it of the the question then becomes it how do you spot a good financial advisor and I think that's really tricky and I don't think you can get a financial advisor who is effective without you yourself knowing a little bit about what it is you're hiring them for


and you know a lot of, financial advisors are really young and so I I think it really pays to you have do a bit of homework by yourself ask your friends who are also I mean ask anyone you know who's also a client of theirs and kind of critically evaluate but the issue I have is when you've reached that point


then you might as well do it yourself because then you probably , would have the knowledge to do it yourself so I I think there's nothing wrong just get that but make sure you are getting a good return on your investment if you are going to invest in a financial advisor versus you investing your time to DIY so either option is appropriate it it you know it it really comes down to


your constraints where the time you know you were looking for in return investment your time and return investment your money so that's for me what about you


ya I I I I ya and I mean just to add on to what you just said, it comes to the issue in investing it's such a complicated environment to navigate I don't I don't think a lot of people realise how complicated it is and you know everything’s on the net and make simple assumptions and and you know


even when hiring a financial adviser that you must understand that instead of looking at, results which a lot of people tend to do like there's this financial adviser this this is leave a x per cent returns investment I think it's more important look at methodology


because how they navigate their markets how they navigate the market and that kind of decisions they make are more important indicators of success because it it, finance still comes down to there's a level of uncertainty in finance there will never go away if it's not that wholely scientific process in that regard and if you need to focus on the kinds of decision making that have higher probabilities of success as opposed to


you know the one-off time they made like I mean they they ring delivered like I don't know take fifteen per cent returns but then on the whole over time the one per cent two per cent losses add up so it it cancels out so ya I I think


and I I mean for those I think it's fine to I think when you're young and you don't have a lot of capital I think it's really fine to a financial adviser because you will make you're you're not really you're investing only small amounts you're you're kind of the plan the market is looking to me you know add an extra three the you know two to three percent


to supplement your income I think when if you have if you have accumulated enough capital right for you to you know where you have the capacity and you want to start making like serious bets in the market and I think the valid you have to start making that pivot to learning it yourself


because it doesn't make sense for financial advisor whose figured out, how the expertly handled the market to continue to stick, this level offering financial advice to everyday people they would we could might they would they would much rather go managed institutional investors or bigger bigger portfolios so I think ya that's important to take note of


ya do, alright sid do you or what advice would you give to someone to get him or her out of debt


ya so can so I think there's that has


I think that has a lot of inaccurate perceptions for one one big inaccurate perception is that something that only happens to you know individuals who are financially disadvantaged that's not true I think a lot of people take in a lot of unnecessary debt, with unnecessary luxuries and you said ya mortgages and student loans kind of debts that you inevitably have to take unless you have a golden egg somewhere but for example things like you know buying a car these are to me unnecessary debt especially in singapore where


you know there there there isn't really a need to, to drop hundred thousand dollar on car so I think if someone wants to get out of debt I ya like you say you got to structure and classify your debt okay things like education, and well mortgage it'll be more complicated and somethings as the education


premium education is is still pretty high in today's society so there will be a positive return investment so the sooner you pay it off the bigger the benefit you prove yourself because of you know from the salary from from getting your college degree what not so ya pay those off as fast as possible


with mortgage, ya you need to understand if you have HDB you house is an asset but it has a it is a it's a unique asset that it has a very weird timeline and ninety nine year sort of timeline where you know it'll have the inverted u shape in terms of its value and of cause every fluctuations based on you know whatever new development projects happen location or what not so


you would also advise to pay your mortgage off as quickly as possible and then if you are looking to make if you are looking to turn you property into source of passive income and actual like an asset , that lends you passive income like rental income you were looking to flip the house then you would need to start strategizing for that as early as possible and I think that's where your CPF becomes really important because CPF are important part of paying off your mortgage so those investment like there I would say


yes you need to take those that aren't so focus on paying them off ASAP so you can get the most like you get the best return on those investment for example full investment so that isn't bad debt, then on the other hand bad debt is to me ya things like you know buying a car which you don't have money for especially when people get a pay bump you know I I I see it a lot of people that they might be working really high paying careers like finance but their expenditures increase on par with their salary so they don't actually get any wealthier


so things like that credit card debt for retail purchases absolutely unnecessary you know, so so, that kind of debt you should avoid taking on at all cost because all of the uh assets you purchase that that they depreciate over time they never increase in value there is no


you know that that the return on those isn't very good so avoid those and the debt the you have to take the useful debt for your housing for your education for kids education those investments, so to ensure the maximum return just pay them off as soon as possible I'm generally a very debt averse person uh debt isn't necessarily the best approach that's not the only approach there's ways to leverage your debt and what not


but you also need to understand yourself and how comfortable you are with, you know living with x y level of x or y level of debt so I also think it's a process of understanding yourself ya


ya the I think the thing on that point of credit card ya I think people need to understand the perspective of the credit card company okay their money is the money they give you as credit is already insured so, it doesn't really matter if you can't pay it like they don't it doesn't mean they lose money it's insured so they kept the money either the way their incentive is to just to get you to a point where I mean optimally that you have


not immediately overdrafted but continuously over, draft you managed to survive as long as possible to withdraw the maximum amounts over time and so they're they aim is not truely bankrupt you immediately, so offer you enough perks and enough access to easy credit such that you are caught in a perpetual repayment cycle so I I think that's the end game so once you understand that then you need to re-leverage the terms and conditions to your advantage to maximize the perks for yourself and minimize like the losses that use it


being disciplined so I think overall I think what we've discussed comes down to understanding yourself being really discipline about how you use your money and being really care about why what you what sort of assistance you will need and whether you know hiring extra help is worth it so I think ya that's to wrap it up for us


part three negative experiences uh so you can ask me the question since I asked you previous one, ya was I ah okay I won't I mean I know previously already mentioned


that about people eating but because this has to be like mentioned something everyone sentiment wise you you know more concretely negative or emotion, I think population that I'm really concerned with is increasing reliance on social media amongst our generation you know it's not I'm not doing the whole you know


baby boomer argument at all you know you guys just use your phone you don't pay attention outside world it's not all that I think technologies is such a valuable tool, uh has helped us so much I mean the had also burdened us because thanks to email people can still contact me forward you know the outside of the outside of work environment is awful but but it's such an invaluable tool


for you know modern world but I think I think what one thing people don't realize is the amount of information in privacy they were giving out especially on social media uh ya, if you think about oh we our generation where there is that grew up without it and then we got introduced to it sometime we were ten or twelve then it was friendster myspace tumbler then facebook cool uh became cool then facebook stop becoming cool for a while then now it's like cool again


and then youtube and then came twitter uh instagram snapchat and now tik tok, eh if you chase the trend you realise like increasingly increasing these apps have come to require more input from us to be engaged with and more of our time


and , especially at at this point in time it's almost as if it mean is not almost as if it's a fact that now people need to talk about or taking breaks on technology like all social media is really draining and it's true some you can't do work


now without thinking about you know oh like it's it's something happen on any of these platforms you know that can distract myself with , you know so you're you're constantly giving it information with it to used to continuously craft and experience that's more addictive to you and the thing I dislike about it is that


when you want a break your instincts is to surf through social media but actually you after surf through you don't actually feel like you had a break you feel actually more tired than before and, it keeps you on it before you go to sleep which actually bad for you cause the blue light radiation


compromise your ability to sleep uh I think it has a lot of impact on people mental health and politically has poison a lot of the discourse you can just go on facebook now look at any of the pro or anti government accounts and just see like a kind of fights that are happening totally unnecessary


and I mean with tik tok I see a lot of young kids on it dancing in you know you know is that really suggestive uh it's actually worrying to me you know what you know that that's really these are really popular trends I I really dislike what are what about yourself


ya and I think I mean, it's does I I I don't know but I personally proceed with the, huge mob mentality now with everything uh even I I don't know when like popular online personality slashed influencers have like you know some sort of scandal you mean the mob the online mob is ridiculous people you know dogs one uh you know dogs is uh


individuals they, harass them constantly it's reached the point where if someone tells me they you know someone with the online following tells me they received death threats is no longer like !whoa! it is part of that you would receive death, but it's like what do you expecting everyone received death threats it's not something who is now but it it it's you know it's not something that you should be surprised by if you achieve like any kind of decent following and


if you are if you are a female influencer then you I mean you are not in the first you just if someone female a female only in in in the women in the internet uh any kind decent following you also will have to receive like, weird and creepy messages and if you are involved in any sort of like if you take any sort of stance controversial point the mob will just come for you you know like they won't stop I understand some feed off that controversy


they they they deliberately do things like that to boost their popularity again test their prerogative I'm not trying I'm not trying to tell what people they should or shouldn't do but, sometimes it's you know it really concerning where you know we reached the phase where I think people are people are just looking for some kind of fight or some kind of thing to be engaged with so in some scandal happens you know like oh this is great like something the


you know some drama and they they you know they really go all the way with it and right it just it just really it really sucks to say I wish , people spent more time on their personal hobbies than on their lives


events of others uh it it was ya that's what that's what I feel, ah ya okay , what


what problems or issues keep you awake at night


ya , I think for me, something that really keep keeps me up uh awake at night uh I think is a what is clearly huge increases in inequality and the hollowing out of the middle class I mean it's reached the point where I cannot safely tell someone


that you know someone who is born middle income low income background and I cannot safely tell them if you work hard you will guaranteed like some sort of success in life you know because, it it it it is anybody who tells you that is is, ya they either lying to you or they unaware where you are born who you whose kid you are you are


has such a huge bearing on your, life because personal connections just play such a huge role, and getting people I mean, you just need to be university that I mean you just need to spends time university and you will realize how rampant it is and it's really concerning because over time the the idea of mobility has become more of a dream than a reality right everybody has a degree everybody has


has check the boxes so what is left for people to differentiate themselves and, ya and it it keeps me awake at night because I I mean ya of course I wonder for myself you know well you know I of course you're anxious and worry about the future you don't want to end up in a place where you're as financially unstable as you insecure as your parents were because they gave everything so that you will not face the issues that they have but sometimes you feel like


I am about I will most probably end up facing the same issues that you guys have so I, you know it it really worries me and causes a lot of anxiety and then also it it makes me worry for future, generations you know , uh I know uh it are we going to reach a stage where the only good jobs are the


other high paying ones in finance or the high paying tech jobs in silicon valley you know because everything else just becomes undervalued and empty value I mean so many jobs right now are you know so many people are being labelled as essential workers and being celebrated as heroes man is true actually without them


society doesn't run but we don't pay them anywhere near, a livable wage and I'm not really sure how viable is going to be as a career in future and then what does that mean do do rich people just like isolate themselves or wall themselves off in gated communities I mean india has plenty of those where you can have a plot of land that is just like your own country but


you know what what does that mean for future generation so I really ah ya that's really things that keep me up because iit has such personal implications such societal implications as well


ya you want to ask me the next question


one thing I did in my past I wish I could undo uh I really , I think in my past


ya I wish I I, I I think in JC we both have same JC I think that the teachers the principal and all lah they just had a way of trying to convince us that we are in our potential is only meant for a certain outcomes and I think we really believe that


that I wish I had not believed a lot of what my teachers have told me I had I had some really good teachers I'm not list it all but that all they not the all but, some really convinced me for example that I will never be suited to anything quantitative you know I will never be able to


I mean in in I mean you know this is the fact they really try very hard to convince me I wouldn't go to university in the first place which was not true, but some of that I didn't believe but other things theydid tell me I really believe I really believed be any good way statistics or economics so in university I the reason why I did not choose mention anything like that was purely because of like the perceptions are uh


if I could go back in time I really want to undo that decision you know I I, I mean ya you know I haven't at this point has such a keen interest in you know stats data science economics I I really wish at major in it alongside during political science but I I I can't


turn back the clock I can learn these things by myself but I'll never have I'll never have that and it's not something that I'm trying to you know just not something superficial because such implications for uh you know what I like to do in like me finding meaning in my life I really wish I had not I really wish I had not listen to them because they really got to me and I really believe that I was not suited for


anything to do with numbers and now at this point when I rediscover my my love for it I I you know it I I kind of feel a little bit ya like that was a lie so if I can undo that that's really what I would do I go back in time I said to believe myself you know and and and go do those things that I had interest in,


ya I think I don't know uh I just does that, weird tradeoff between who you are today versus what could have been but would you trade you are today for a hypothetical other self that may I you know may be better at some aspects will also be worse in other aspects you know


then you're always thinking about that ya I don't know because I I realize, now uh in conversations with friends from other uh other JC or what you really realize that the gap the gaps are there between eh


between uh where we went to for school and other other places in terms of the exposure they give their students and how insistently they were on , you know preparing the students for alive in additional I think our junior college really pigeon hole us into thinking that into into


it really assuming that we were destined for more average outcomes than we than we give ourselves credit for uh but anything that comes down to the broader education system that we have and how it really tries to pigeonhole students in as early as possible which I also things are going for uh uh


so I think just to wrap up on the whole we talked a lot about you know societal issues from online privacy to you know my spending time on social media we've talked about, global issues humanitarian issues and our concern for the future and we've talked about wanting to you know thinking and thinking about repeating certain decisions


again ya so ya


part two positive experience, uh okay sid describe a travel experience that left you in awe


ya I scare and also the thing to uh I've seen those photos so yes you eh you got a budding photographer uh definitely do way better photos than I did during my travel experiences so for me


ya I think my travel experiences is similar is the time when exchange I mean you I really took it for granted considering the situation none of the undergrads I'm teaching can even go on any of their exchanges , ya so for me my exchange I I went further south than you I decided to go to israel and study in jerusalem for a couple of months and I had the same aim as you to travel as much as possible but instead of breath I focused on that firstly because israel is not friends with any of its neighbours so


pretty hard to it's not like europe and, flights to bordering countries are like five six hundred dollars but uh ya really wanted to spend as much time within israel and with a with some of with one one or two other countries that were surrounding it so


think as one of the experiences that are really left me in awe was when similar to you involved around sand when we journey across the border into jordan we drove all the way down to the south of israel uh the end and then we we


wait that also coincides with the south of jordan so we can drive all the way down in circle back up in a semi circle that covers entire country and, when we finally roadtrip and we hit petra I think that was phenomenal because


where you’ve watched indiana jones you just know that same feeling of wonder that was captured in those scenes uh when they first encounter Petra it's I think shot for shot replicable and it's actually Petra is a lot bigger than what they showed in that movie that movie actually shows only one of the temples when there's , like five of those temples in real life and that's a huge coliseum in


it it looked like a valley built by as if it was built by a bunch of mythical giants as opposed to people, and it's crazy to just, you know stand there and see this entire ancient city, that


ya it'll almost as if it's from another another planet entirely , eh ya I mean I really wish I was a better photographer but could've really gotten a lot of beautiful photos there spend a lot of time climbing, a lot of the mountains and hills like around the area spend a lot of time doing like backward paths and trails that were not very visible you know


met a lot of bedouins who I think have on one hand really adopt adapted to the commercialization of the area which is interesting to see, they know that it an experience that people pay for so they you know they at at the nomadic art tradition has shifted towards being more tourists tourism oriented because they know that their experiences is not monetary value


so it's a little bit sad to see but I don't mean sad in like a you know it's not what not pretty much some of the pedestrian or anything but it it is how people adapt which is entirely logical and rational way to adapt, because people need money to survive but of course just you know that the desire for tourists just come and snap photos inevitably leads to everyone commodifying themselves everyone who lives there commodifying themselves


to offer that so that was really awe inspiring I think within israel another incredibly awe inspiring trip I made was uh I think when we journey, to the border with Gaza and I I went there with some friends and you know you


you actually would be walking , through areas that are fresh conflict zones so you'll be seeing shrapnel on the ground bullet casings glass which I was wondering like why is that glass it's because some of the I uh incendiary rockets you know heat up the sand to such a degree that it actually crystallizes the sand so


you were walking to this area that maybe last week there was conflict and maybe tomorrow there could be conflict and you you you, I reached this no man's land where on the opposite side you can see is the city of Gaza, and on the other side is israeli territory


kind of puts into perspective around of the stability and security we take for granted everywhere else now knowing that there are places in the world where conflicts is an everyday reality, and we did this thing where we video called somebody in Gaza so usually where like this is the first time I will see in person because the entire entire city is blocking it


financial and military but who exists and has a life and thanks to technology can communicate with me so, ya I think those are just just two experience left me in awe so nothing and we go to the next question what uh if you are something that oh okay you can go ahead you go ahead and ask


, ah, okay I see that this question is in reference effect that you are you know a group of friends so


, I think that, , I think a funny in I think it ties back to the personal finance example we talked earlier where we both kept mentioning how we like eating at cheap places I think us in our group of friends


have a particular talent for making inside jokes were people about, members of the public who overspend eating things eating eh really expensive places like we we love making fun of people will eat you know Mala or would making fun of people who like drinking bubble tea because of how ridiculously expensive it is so I really think that


uh we have a lot of inside jokes about what we perceived to be, irrational expenditures and decisions that don't make sense I think a a lot of that comes from our time in junior college where, I think most of us didn't have much money anyway I had to do it most of us being minorities as well you know tend to tend to be from lower end social economic start up so


I think we cope with that status by you know choosing to choosing to use humor and uh making fun of what we thought were people things we're spending on unnecessarily because we knew we personally like, those who are not expenditures we could sustain for very long and I know we are both personally experience


uh ridiculous expenditures at uh restaurants that never made sense so ya whatever we would talk about some of the funny inside jokes that if you in our mutual group of friends laugh about to this day,


(ppc)


ya I think coming of age is a really important part of one's life I mean we see it's always romanticize in movies as you know you could like you know I I think was like perks of being a wall flower movies like that lead romanticize the coming of age experience but


coming of age age experiences are often messy and I've I think for, I think for us that junior college experience was regularly the quintessential coming of age experiences with all, the missteps and the you know the, cringey moments but and and whatnot I at


ya sometimes I think like oh maybe I shouldn't you know I should've just study but it when you sit down ask yourself like would you really like, not have gone through all of that maybe some of it would not have but overall you you do realize that those things are really important for shaping who you are today for better or for worse


and I I think, you know really, romanticized americanized notions of coming of age, and I I think there's so much that's yet to be explored in you know the the singaporean version of coming of age I I really I really wish someone who make of you know make you know try to do you know the the arts would


would uh seriously tackle the issue you know through film or whatever I think singapore is a lot of good material for good coming of age films that aren't just like standard jack neo, source of that I can't really relate to, but you know there there's


eh eh regardless of what people say about our education system being really boring and monotonous like between the lines I I think there's a lot that goes on that on a it from a pro-perceptive mean nothing like you said trivial but I think to the kids at that time just meant so much and really just meant the world to them which I think really interesting about how we can still


create this like really enriching environment, despite systemic constraints you know ya so okay let me ask you the next question which I think can be the final question


what, is your biggest blessing in disguise


ya no worries uh ya and of course the word in disguise of course you are really blessed to be in singapore I mean as much as people I mean myself included sometimes we complain I think you know some of the complaints are valid but doesn't take away anything from like it's really such a privilege to be born here you know


you know help I mean law and order healthcare the list goes on, for me I think the biggest blessing in disguise would, be would be university I think comparatively to other places in the world uh europe excluded we pay a lot less than people in other countries pay to go to college you know I'm not


leaving university settled by that which she thinks is and it's not that is unmanageable surely huge huge huge difference but beyond that because I know some people have had to pay more for university and if if you know it's not the same case to everyone but beyond that I think


university was a huge blessing in disguise because it really, opened my view from junior college which is very locally based to a much more international point of view understanding, just how much possibility that is in the world today uh in terms of careers or you know eventual places to settle down or you know different ideas different ideas


that I wouldn't have gone if I didn't really spend time presumably, between the humanities as well which really allowed me to think critically about the biggest ideas of our time and be able to you know construct opinions which uh I think


which are more nuance than, divisional more nuanced and most people and, in today's age with what's happening on social media and more and more being reminded each day of how like blessed I am to be able to think about things in a in a manner that's one wants then you know the average the average online disclose which gets pretty toxic pretty quickly


and you know and like you know now we've been on exchange will really privilege on that you know when university that actively promotes people going overseas and because of that because of the amount of partnerships they have all the, in these universities across the world we only could go to these places which we otherwise would never have gone to on holidays with our family because uh I mean definitely can't afford that stuff so I I think that you know university college makes biggest blessing in disguise really gave me so much of


direction so much of the passions that take for granted ya what about you just to wrap it up


part one finance


honestly okay so for this topic I think it depends on my uh financial situation at that moment but normally I think it's really normal for myself will add uh most of my uh I don't I don't really spend that much uh quite frugal in expanding so and


even even when I got to meet my friends and what not uh I normally tend to eat like go to places which are rather cheap and I do not uh I do not really spend much money on food if if you mean that sense and mostly my my


funds are spent on necessities like transport uh I have a bit of insurances uh and I also invest a bit of my money uh whatever to say uh and also uh spend it on gym and certain things like that and


I think uh to be honest I think my expenditure is pretty uh most of my my expenditure are pretty justified other than uh one of shopping and uh certain luxuries that enjoy from time to time but uh


I believe that in terms of spending too much, in the last few years I don't think that's happened much for uh I don't know about yourself how about you, (ppc), correct


yup


, yup, yup yup yup


yup, ,


ya I think I I just ya just to continue on I think it's good that I think it's good that we always keep a tab on, whatever our financial situation is and like what you mentioned about uh telling your like being open their friends about uh what what your budget are and uh are being open about it will


that is a good idea because sometimes uh due to like peer pressure and like uh uh people tend to cave and then spend more than they can afford to and I think uh personally you like in the past maybe I was a bit more naive and uh I didn't really consider all these so back then maybe I would have overspent if my friends were asking me to go to more expensive restaurant


and what not but now it's not such a situation and uh it's a time where we should understand where we stand and it's good that we always uh keeping an eye on finances and, uh ya I think whatever you said makes a lot of sense so uh I think for both of us we are quite similar in terms of our expenditures world so ya I think we are quite a good in that sense okay


so uh okay, uh let me think uh, okay maybe do you think uh uh should I DIY or get a financial advisor for my to plan my finances


(ppc), excuse me, yup,


, yup yup yup


yup,


yup yup, ya


ya I think I think for myself I have a similar take on the whole matter as well it's really subject to the individual so like personally I I do have I do have a an an advisor for myself but in a sense that uh this uh it depends on your needs like a


there is insurance there is investments there's a whole it's a whole uh wide spectrum of uh things that uh financial adviser can look at, so I believe like even like sometimes even if we have certain knowledge about things, uh there might be limitations in what we are able to seek out at what they are able to seek out with their their own uh companies credentials and what not so eh in my sense I think uh like uh time is an important factor definitely and the


uh sometimes you you just want to uh set it on autopilot mode when you need your time to be invested somewhere else, so in that sense where uh for myself in I I you I my my financial adviser is for what you in the investment purposes and then since I am I am engaging his services I I tend to I I I'm able to take a back seat on these kind of things that let it run on its own


so uh I think it's it gives you a sense of comfort and relax relaxation that sense but of course I do keep tabs on what's happening but, I don't actively uh monitor what's going on that much because I I entrust him to uh be able to uh help me with that matter and ya uh definitely what you mention make sense like to uh evaluate how the credentials of your financial adviser that you're going to


going to invest in and make sure that he knows what he's doing before you uh step into the whole scene, yup ya


yep,


, yup, yup yup


, ya


right, yup


definitely uh get about you go uh ask the next question


out of that okay for I think , I think ya uh back to my my fundamental point so basically everyone has to have a a bird's eye view of, their their entire financial situation first and then I think it's key to actually uh uh understand what kind of debts and how uh the the urgency of the debt that you going to you're encountering right now so for instance there's student loans housing loans what not


so I think a key uh and a interior part that kicks in here inside certain loans and uh uh conditions here in singapore is the is the fact that interest kicks in so a person who's in debt in singapore normally tends to


uh has to plan out uh the forecast of how they want to pay off their debts and so on so, uh people uh, for myself I I think that debt should be paid off as soon as possible so uh what I would do is to to plan plan out uh my finances and uh and uh set out like a large proportion of whatever I can save to to actually pay off my debts first because


I feel that I'm getting out of that as soon as possible is is a big uh burden taken off your shoulder and so like for myself I project myself to be uh taking a large proportion of my savings one as once I start working to pay off my student loans


and ya I think I think that whole feeling of actually uh being debt uh free debt free will actually take off a lot of stress on the individual and so I think a proper planning and , uh uh, analyzation of your your kind of current financial situation is necessary to actually


uh ensure that the the you can get out of there as soon as possible ya


yup yup , ya


ya it's like traveling ya,


yup, ya


, yup


ya


ya yup


ya uh I think like touching on the point about credit cards uh it's also another topic here whether you should own one so I think credit cards can be a really uh uh a very controversial topic because like some people see a lot of gain in it like it depends on the individual where


a certain individual may be very discipline to pay off his credit card loans monthly, on very timely basis and and get his uh debts cleared in that sense and they actually reap rewards from using credit card payments like uh whatever points and what not, which can actually get them uh uh uh benefits in the future but there are people who actually let the the debt in their credit cards snowball and and the interest rates for credit cards are already extravagant and this really end people up in serious debt issues and


greater loans just tend to uh accumulate further and further and these really put them in a very uh difficult spot, so I think uh touching on the point about retail investments and uh buying unnecessary luxuries that you do not require in a time where your financial situation is not


very comfortable is definitely not a good idea and using credit cards for that is I an even worse idea I believe because , if you are not able to pay off the loans in time it rate the interest really kills you so I think uh ya those kind of uh investments and and purchases are definitely something people can avoid here ya


ya yup, ya


ya ya


ya ya, yup


part three negative experience, okay what is a popular trend that you dislike,


, , yup , yup


ya ,


ya I I agree with you on the whole uh increased uh utilisation of social media in the whole context of, but I think mine has a different viewpoint of , uh uh significant amount of time that people spend on uh social media


like uh there are people definitely who use it productively to to uh send out content that's useful to people that help other people uh uh to grow and uh improve themselves but I mean there are people who spend a ridiculous amount of time on social media just surfing


and then there's I'm uh spending a lot of their their uh a lot of time that they could possibly have been spending uh doing something more productive so I I I am guilty in the past of actually uh spending quite a lot of time uh wasting time in that sense on on social media just


uh looking at what other people are doing and spending too much time on it and I believe I mean I mean there's nothing wrong with uh taking a break certain type at uh here and there to actually to distress and then just take a look at what's happening in your friends' lives and what not but also


ya it it there is a there is a fine line between uh wasting time and then this had uh uh taking a break you know so uh now nowadays there's even functions on your iphone where you can see your screen time on certain apps like I can see I've spent one hour on instagram then uh after a while you'll realise that actually yours