so it's very competitive and and you always feel that you are not the best so ya quite tough lah so I tell myself I must have this if not I will lose out with my siblings but at actually at that point of time they have not have


where I had then so but I told myself I don't want to regret, and another thing was having my driving license I think is really my my, pride, I took it while I was pregnant


goal achieve your goal checklist checklist checklist, ever happen to you ya so ya I drive my driving license is is I feel like one of my most important thing you see is because I love to drive I love sports


car I I actually ah actually ah, my deepest secret I think you also don't know, I wanted to be an F one right driver but it's not possible but it's not possible because first thing is cost, second thing is


is cost ya it's cost I don't have I don't have that amount of money I don't have the amount of sponsor and I don't have that amount of uh, opportunities or exposure but I tell you whenever I see people wearing the racing suit


I know I know, correct but it cost a lot of money and that money I I I that's why I always tell my kid I gave up what I want to do


to give you all what I can give you all, I can do it you know but I will have to sacrifice my kid which I don't want, to ya, ah so that's why I wish ah sometimes if you are a millionaire, I think the first thing I will buy ah


is my car


ya so I I love to drive lah I love driving itself is just a a an avenue for me to release stress also but not when it's jammed ah jam will get me all cursing and swearing lah, but ya I love to drive


and of course a huge house you know


no you you know what you should do when you're a millionaire


because you have you have a children out of love you don't have children for the sake of taking care of you when you are young in my opinion ya, so if I am a millionaire


for me if I have that million I'll make myself into a billionaire, ya so if I'm gonna make my million become billion and then I will


buy all the car that I want and then I'll buy one big, big mansion !wah! so Shiok sia, beach yes there must be a beach there with the sunset and my yacht and my yacht is at the


at the side there , ya a big mansion list residents, ya can can also,


then uh what else uh travel, travel experience ah I I I don't really travel much I been to a few places but I would say every travelling is a different experience


uh especially when you are with your children, correct so you learn a lot of things, correct correct, so uh


ya smart ah, very strategic very strategic, uh good good he's good , , so you can demand another honeymoon


this time round, no this time round you you ask him go bring you far far, far away and really only the two of you


ya once they open border also I I really feel that it's it's time for a holiday lah, it's been have a vaccine soon actually


ya they are testing they are testing it yup yup, correct so hopefully fingers crossed


, ya, dying of work and and things and there's nothing really much you can do in singapore especially even with this circuit breaker you want to go everywhere also, you are a how to say ah you are actually uh being held back a lot in terms of you have to wear your mask you have to have


social distancing you have to do this you have to remember to sanitize every time so just, a lot of barrier, unseen barrier invisible barrier which actually kind of hinder the mood ya so like a go here cannot go go Makan also


problem my family with the kids is six person so end up we always have to split table so can you imagine your family going out to eat together have to sit at a different table, funny right, that is one thing having to queue is another thing !aiyo! then


ya we always have to split table, have to split table ya I always have to split table these few months so anyway uh anyway I hope, with this COVID also we must be positive right, hopefully something good comes out of it lah ya


we we what's the biggest blessing in, disguise uh out of this COVID , actually ah I, find that ah the one of the blessing in disguise in this pandemic right it goes and prove to show that, uh healthcare is very important


isn't it ya back to where we work ah, , ya I mean like you see ah have you read the news that even CSC don't get bonus so it's like !hey! are we still have our at nothing was uh, touched in terms of our salary and everything so I'm really uh thank god you know it's like you know other people are worrying about work about job about money but


we don't have to even think about that because we know that we are still being employed which is good


so I guess that is also when we feel the luck I I really feel that I'm really lucky lah I mean, uh overall okay people are suffering out there and what we still have a job you know


ya ya you join right imagine if you still at braun buffel, stress I tell you


yes hygiene very important [ah] must always wash your hand (ppl) okay


finance , so can I ask you first , do you have


personal insurance


your savings plan how long uh is your, how long do you have to pay up and


wait till the uh they give you the right, uh to get back, or to withdraw the or to withdraw any sum of money, is it one year is it like, five years annually okay


oh okay, but okay


right okay


okay but that is, but that is more like a it's uh those are insurance plans right I was ask I I I was asking about your savings plan


oh okay okay right so do you pay it, okay so uh so do you pay one shot or do you pay it, per month or do you pay it annually oh you pay it annually right right


okay so you have to wait for a see you have to wait for a certain number of years right


right right, okay ya that's good that's good man okay so you have uh a few insurance plan as well ah


I see


I see okay well


full uh full hundred percent coverage, ninety percent ya ya


ya I remember that too I remember around, uh fifty to hundred uh fifty to ninety percent around there, uh (uh huh)


ya


so so you're okay so you're you're you're paying a premium size for your premium plan, right something like that ya, okay do you do you use it often


oh okay okay , I see okay


okay I, right right, right , I mean I I'm actually quite surprised when you mentioned MediSave and you're paying uh your bills uh partially through uh


with the help of MediSave because MediSave , uh starts off, at a certain age right, I mean that that's a criteria you should be you should be above a certain age then you you are then you should be able to use your medicine


I see is that, right, is there a age uh where you should you should be above a certain age then


there there is I think uh, I see I see !wow! okay


right, right cashshield okay CashShield is from, okay CashShield uh, from which uh it sounds very familiar, from which insurance from which insurance company I I


oh oh, okay , okay


(ppc) right okay, right right ya I see I see


if you if you ask me uh the same thing uh if you if you asked me if I have any personal insurance I I I do have uh, and I'm using my MediSave to pay for it I will say uh it it's it's one of the basic uh, plans lah that I take


I take it uh it covers only hospitalisation I, think they offered me uh, uh they suggested that I that that I go premium so that I can, uh, have the other benefits but uh


I told them I'll think about it, MediSave only covers up to a small percentage than the rest you have, to, pay on your own you have to you have to dug up your own money you know


ya, so that is that ya , okay let's move on uh do you have an endowment plan


eh, oh, vic we have to call our we have to call our coordinator here hi hi ya hi uh can you tell us what is uh


okay , okay sure endowment okay okay let me just ya, okay , okay


do you want to ask me that or should I ask you, no okay uh the the the deduction


that is uh paid for my insurance, is done annually right and it's done through MediSave so it's part of uh the CPF it gets it gets uh deducted from the CPF contribution, so ya so I don't feel the the pinch at all ya


ya so but but ya, but that's a good question that's ya that's a good question because I have not calculated it before like , what's the what is the actual percentage of my income do I spend on insurance I uh


I see !wow! oh, (mmhmm)


but savings are one thing and and insurance is another right


uh a bit, if you if you already possess if you already have uh I think ya


uh what they call uh what uh chronic diseases CPF uh , if you are diabetic if you have hypertension, then your premium will go up if you're already sick you know in


ya I think it boils down to, uh the individual like how much they would want to spend on insurance so ya


I mean, I think you are spending a lot on insurance man but, but that's but that's your choice but but it's good for you you know because ya you are going to get what you pay for but, uh


I see I see, right


that's quite a lot ya per month , times twelve that's per year that's ya


correct correct, usually premium plans are priced at that that range uh, ya about a ninety ninety to hundred and ten hundred and twenty, for lifetime insurance you know uh


if if if uh if you, uh, I mean to put it Choi if you die then uh your your family gets, uh uh a big amount of money lah


ya , entire ya (ppc)


right , okay okay let, what you can afford and all that yes ya correct and and I think you have to choose according to the type of uh you you have to choose according to your lifestyle and your job if you are doing a very risky job then ya but


uh, that's it uh does the company you work for does it does it uh does it cover any of, your your you know , does it does it cover any ya our company doesn't cover any ongoing medical appointments


uh ya, I'm, I'm I'm not sure whether we are insured for for anything


but uh but then again it uh that type of uh, I mean that that type of job that we do is quite uh uh, has ya there's there isn't much risk involved lah so , okay ah bit


(mmhmm) right , okay


right right so the company will, ya yes yes true true yup, I worked in Sentosa once uh you can call it you can call it offshore lah I got uh I worked on


uh , uh what's the name of the uh it's a show and uh the platform where the show, is it is done is out in the sea like uh thirty forty metres away from the shore so you can call it offshore a bit uh sounds of the see something like that


yes so , I did some maintenance work over there for a year plus, heavy uh heavy electronics uh heavy mechanical , it deals with uh networking switches and all that


so we were the maintenance ya , so , all uh as far as I can remember act other than other than me all uh my teammates, all of them have been involved in some sort of injury


you know some deep uh deep cuts or broken legs , no uh not the pyrotechnics not uh that's a different team, ya not them uh, we do mechanical electrical


uh a bit of networking stuff, because the show is automated


a big come out ya, like a water show you know ya there there will be a big uh , uh there will be a water screen right the the the the water will be pumped from the sea the, the the pump


is uh it's huge and there are three pumps so it it'll be the water will be taken from uh uh, uh from the sea and then it will travel at a very uh high pressure through the, pipe and then at, and then hit a flat disc


so once it hits the flat disc, the water will start to spray out, right, forming like a screen and then, in front there will be projectors that will protect the video on the water screen


right and, and then there will be soound systems and, ya the, the show is the show is animated show lah filled with lights and lasers so, ya , it it it


it's an interesting job because you get to work by the sea everyday, but uh, the risk is there because you're out there on the sea , and the platform, the the platform that we work on walk on is not uh, it's not solid it's it's some sort of solid


but uh, there's a lot of holes in between you know and ya and the railing is not that sturdy if somebody pushes you over you can just fall off just like that, so ya uh


life jacket life jacket and uh ya we are supposed to wear head gears but we don't, ya, we we don't always ya we don't always follow the rules lah, I mean if you do it's difficult to get the job done, because you will have to bend


here and bend there to, to you know you will you will have to sneak into difficult places to , tighten this tighten that check the, wiring and all that ya , that it it's a crazy job man it's it's kind of crazy and super risky


I like it but uh, I didn't want to stay there for too long so I moved on, ya, when you mentioned risky I I recall all this uh you know my, previous work experience so I'm just sharing it a bit , okay so let's move on to the next question


which, uh, number three number three we have done already what percentage of income to you spend on insurance how much coverage are you getting from from your insurance, so I think you have already uh


covered this we have already covered this do you get to, did you get insurance from a single insurance provider uh, I think we have covered this also, haven't yet right


did you get insurance when buying a car getting a property travelling overseas having children engaging a domestic helper engaging in commercial activities, okay I'll just quickly run through buying a car yes definitely because I know I'm going to, you know bang my car ah or somebody's going to uh


or somebody will do it lah, uh, uh somebody will do it to me or I will definitely get into an accident so definitely insurance must be there to help me out and then, uh getting a property, uh uh uh


I see I see


premium and he got pissed and he didn't like it that's that's why I wrap it


ya true man true true so , I I might I I might get uh I might get uh insurance for my luggage but for me I'm not too sure but


but but there's always a chance of the plane crashing and me dying you know but uh, I think I think it's covered under lifetime insurance you know


I mean what are the chances if you if you are flying in the plane uh you know both of its engines are out you know and its descending you know it's , (uh huh) , what what are the chances of you surviving very slim right


but then again but then again I I I heard this uh sometime ago, the number of car uh the number of car accidents on the road vehicle accidents on the road is way higher than


uh than uh than, air accidents or or aircraft, aircraft accidents ya your chances of uh ya, ya okay , okay oh


negative experience,


, when my expectations get turned down when I expect something, and it gets turned down uh when


people uh fail their promises uh, ya then, I know it ya it happens a lot it happens a lot but uh, sometimes we will we uh we bank all our emotions onto


uh, a certain expectation or a a certain a certain ambition, and then uh, ya and then when it doesn't happen at the expected time, uh that really uh it it uh


it annoys me it frustrates me it even depresses me a little bit, ya


okay


but but ya ya ya, uh with regards to to this question uh I know that uh, uh, it it doesn't really it doesn't depend on them but uh


maybe I shouldn't, take things uh, too seriously you know because the higher you climb the harder you fall right, ya so that


their own way like everyone has their ya, that's that's the thing but, it's easier said than than done you know it's easy to say but uh to


to actually uh, to be that way is very difficult, it's not it's not easy for anyone I mean no matter what type of face they put uh, uh or mask they put up uh to the world uh


it's it's it's quite it it's it's difficult it's it's a difficult thing for everybody, ya


there's there there is I uh well uh, I get a lot of flashes uh okay, in my mind I recall a lot but uh, I think it's going to take some time to recall any one of their name one of them is titanic uh the others, uh


there is a few man there's a few ya , I I mean love stories love stories makes makes me cry a lot, ya ya


twenty twenty , uh, independence day uh, twenty twelve, right right movies movies right movies that are related to destruction


and, end of the world , uh I see I see I know I know I understand right, so deep down you deep down you you really care about


for everybody , you know eh eh uh ya


ya some ya uh (mmhmm)


if I get uh no because I can relate to them so I get touched easily I can relate to that experience you know, uh, then my emotions will be in sync with the movie


younger, generations I will say , uh ya I I, I don't want to say ADHD they have to they have to train themselves to


focus on what they want to develop you know uh they have to increase uh, they have to they have to spend a lot of time to stay focused to, develop their art, whatever that they want to improve for


so I see that it's missing in the younger generation they get distracted easily and uh they're playful, you know , ya


ya, ya, I understand ya


they want to follow the trend ya because they want people to notice them, ya, but even those who troll on on uh


on on other people's YouTube channels or Facebook, you know because they they do it because they want attention that's it they will say something unique they will say something ugly because they want to they want to be heard they want to be under the limelight but ya but it paints a very it portraits a very ugly picture


uh ya, of that , and it seems like they they're getting something out of it that's what I don't understand it it it's ya


, ya I I I do agree to a certain extent uh those who create uh, uh those who create media, uh those uh those uh


those ya, ya I mean they there's a there is a certain uh, uh level of uh selfishness and, a little bit of selflessness in their in in in their content whatever that they might be putting out


so uh ya I mean who's the judge the public right the the people becomes the judge, it's uh ya I uh I uh I I get what you're saying ya , okay so what is the next question


my worst travel experience, I don't have any man I mean like it, even if it was the most bizarre weird, heart breaking or you know terrifying experience it it will never be the worse because I'm out of singapore


that's why uh I think uh uh I am the kind of guy like uh uh, I always will think there can be worst things that can happen to you


you know ya, what will be the worst getting kidnapped, getting uh being being held hostage


oh laundry okay , you didn't point this out to them or you did not know at that point


oh, you bet you bet more than what you got for


I mean like ya you have to be careful you have to, you have to always check your receipts your invoices you know, ya be careful you have to be careful


ya so that's the that's one thing , , what is the worst travel experience, so I don't have any worst travel experiences I I like all of them, uh, okay describe a time, where you feel that nothing you do is good enough


it's just the feeling if you me it's it's just a feeling I know I I feel it a lot, uh uh when I when I am not motivated enough to, do the things that I've that I've already set up for myself for the day for the week for the month


and, I just don't feel like doing them and I know I've I've to overcome this somehow you know but then again I realise it's not the feeling you do not ya I I cannot wait for the feeling to come then to


take action I have to act and let my feelings follow that after ya, but if you ask me ya if you ask me this question I I always feel it uh, not nowadays but uh recently ya a lot


and I was like thinking what is going, what's happening to me like you know this and that my I'm behind schedule , I have things to do that I've been procrastinating putting up not done doing them uh putting them away for a very long time


et cetera et cetera so ya so you tell me you tell me man


ya


ya but ya ya, but that is reality that is reality because nothing, nothing is good enough there is no good enough nothing can be good enough, because there is always space and room for improvement and and if you can see that


uh that will motivate you to keep moving I mean it's uh I I I won't say it's a painful process it's a very , it's it's a feeling you get it's like I can do better than this you know ya so


there is no good enough I believe you just said uh, you you can always do better than what you did, ya ya man


ya ya ya but then again then again you'll


you will definitely have to give yourself a little bit of brake and stop thinking about doing anything you know to rest otherwise your mind will go crazy, it has happened to me before ya, overthinking it it affects everything every other aspect ya overthinking aspect uh


overthinking effects every other aspect of your life, ya okay uh, ya so have to take it easy when we have to take it ya, describe the embarrassing moments that make you cringe


err, ya I have, I have, but I won't I don't feel like sharing it , okay uh


ya true true exactly let's skip man let's skip that let's skip that part, described the moment when you feel like the world is against you, uh uh uh


if somebody if if if uh, uh ya you were saying sorry


ya, I I feel , the world is against me I don't know man I mean I


I I will never take it this way , sometimes sometimes when somebody passes gives me a racist comment, then ya sometimes I I feel I feel that but I know it's true


ya but the I mean, it's not true also I mean how can the world be against you man you you can only be against yourself nobody else can be against you ya trust trust me man, what is the most dramatic incident you have, ever experience in your life


ya (ppc), ya the most traumatic incident that you you you have experienced in your life


I see I see mine is , mental it's it's it's a bit mental and a bit physical, I , so I was using one of my mountain bikes, to climb up a a a climb up a ramp right I was I was doing a bit of uh dirt biking and I didn't land


uh like I expected, I I landed on my shoulder , on my shoulder blade so I uh there was uh I got a lot of deep uh scratches, and until today I I uh uh I have a bit of a scar from that


uh from, that accident so , and and my when I fell my brain went into shock I did I , I was not aware of uh my body uh for, thirty seconds I had no I I had no idea what was going on what what's what was happening for what what what was happening around


for around me for thirty seconds luckily there were friends around so ya I can say they , they they they came they ya, ya , it's scary man scary the the, ya


it's okay man it's okay we'll save this ya, we'll we'll save it for another day ya


I'm still thinking I'm still I'm still thinking ya


maybe the bike accident was not really a traumatic one but, uh but, uh but it created a bit of fear you know ya, have you experienced any loss in your life uh have I experienced any kind of loss in my life other than other than money I don't think so ya


ya I uh


I recall ya you you told me once I recall that uh, many fifty few months ago right ya , so so how are you you taking like ya okay no we are good we are good ya


positive experience ya, okay, Suresh what is the hobby or activity that you felt happiest doing as a child, as a child


me, right ya, me uh I like travelling, to, unknown places, like like


even in singapore I I prefer walking, like uh like hiking, you know, so I will go into, I I I'll just roam everywhere man, I mean uh to the places that I've never seen before, uh


but but it will be towards more greenery, uh towards more nature you know, so there'll be a lot of uh hiking , during my younger days I I did a lot of hiking during my younger days uh, it's one of my ya


I felt happy when I'm doing that uh other than that was cycling, cycling cycling was was one of my favourites especially uh, like getting lost for awhile you know like you don't know where you are like uh you just keep going


you just give cycling uh to places that you don't know you have never been before, and then you uh, keep and and then you keep going on until you you find a way, back without a map, ya, so uh ya either


then, that was a that was a, that is a bit thrilling for me lah I used to do that but now I stopped already, ya and then ya


right, (uh huh)


(mmhmm) right , (mmhmm) right right uh right


I I I I'm more like an outdoor guy I hate to stay at home, you so I I'm, during most of my childhood I I spend it outside, you know ya


what is the longest uh period you, have been on, a bicycle that you went out for cycling the longest and and the, distance also the longest distance that you have cycled


if you roughly I mean if you could gauge the distance, , okay okay, me too along that I I cycled fifty kilometres in four hours, and then uh ya to and back actually so four hours fifty then come back


another fifty, uh I, took it as a challenge I I only do it like once every few months, ya, in the ya many year alone now I stopped already I I I stop doing that


ya , ya true correct correct uh but


right, are you into mountain biking do you , do do you go up ramps do you go up uh do you do, uh dirt biking and all that right, you know if ya you go up the ramp you take some air, then your descent


singapore there's there's very few, ya there was one used to be uh, uh there was one at Tampines but I think they have


, lightest bicycle that you have uh that you have ever owned like in terms of uh


in terms of kilograms, ya uh that, there is aluminium uh there is aluminium alloy and then


ya, roughly about, five uh what that's super light man, I I I had a bike that was uh nine


nine kilograms, and I was flying on that light bike man oh my god I love it lah then uh then after a few years I have to gave it away ya, some something major went wrong with the, bike and then uh the repair


the repair costs was really big at that time uh, for me to afford so I just uh, uh just dump lah but ya, aluminium alloy is one of uh ya it's very light, so with a light frame cycling on a on on a light frame is really


it's uh, it's a thrilling experience lah because you gain uh you get to gain speed very very quickly, ya ya correct


you use less energy ya correct, okay, so I think we have a common hobby that's cycling uh uh, do you uh


uh do you do you have any, other hobbies that you want to, that you want to talk about


right, right how much do you pay for the gym you pay on a monthly basis right, oh okay right, I used to pay for eighty ya I I used to pay eighty then


I , I I I had uh, I'd I'd paid for a year but I only went six months then after that, I stopped I went for the I went for the first six months and the other six months I didn't go then I thought okay this is not going to work I'm going to waste my money might as well cut the subscription


so now I just do cardio a lot of cardio, and uh, and aerobic exercises lah


ya , that is that is good also that, that is good also but weightlifting is uh it helps you to strengthen your bones and it, could it and and and uh, it it helps you to increase uh the male hormone you know so it helps you with focus a lot so you get to


you know , ya that will help that will help with the recovery period, and also to gain uh and and and also to give you a lot of stamina during, your work out ya


I I I I have that I take a bit of uh I take a bit of it on a daily basis it helps a lot, ya okay uh what what, was the best parts of your childhood


same same, ya ,


, so you okay so the so the best part of your childhood is during your schooling days lah that's the best part of your childhood


right my best part of my childhood is was was uh, you know when I when when, I hang out with my friends so I uh ya we used to, we don't we don't come back home you know those were ya there were those days ya


uh so that was my best part of my childhood those days but uh, and and and and also during uh, childhood you have, uh, least responsibilities that means you have a lot of time to yourself


it's, ya for most of them ya


ya, use what you have man ya use what you can afford


ya use what you have , ya, the only reason why I went back home was because I felt hungry I had to eat something you know otherwise I would not go back home


okay okay right, uh, who are the people who, you most cherished in your life


who brought you into this life ya okay uh for me for me I'll say ya both of them, ya for ya mom and dad uh, what is the


best thing that you have done for yourself


it it's it's a it's a very difficult question to answer you know because things uh , because when people say things we always persevere in in a certain way like uh, there's a contrast to our perception, and uh say you have done


the best thing to yourself right say say say something now, but, but tomorrow you might you might do something else and then that will become the best thing that might become the best, the thing that gave you the best experience ever, right


so I I don't think there's a, I don't think there is the best thing you know, you are always trying to do the best things for ourselves


ya what is the ya


say you get yourself a phone right, say you get yourself uh uh what phone are you using now


okay same okay now now you're using Vivo and then uh three months later another version of, Vivo comes out will you be excited about the phone I mean with more and better features with the


okay okay right, right right


right , the best thing if I were to do anything to myself I mean the best the the one of the best thing that I would do to myself is I, I haven't done it yet but uh to go to, to skydive you know ya


ah that is nothing man that's like a mock up you know uh I'll never do that I'll I'll never pay money to, to do to do, that it's it it it's it it's just a staged environment, where you, you recreate a similar conditions to give you uh similar experience it will never be the same so


ya ya, ya definitely yes yes, skydiving uh hang hang gliding, whatever sport is related to ya hang gliding what or whatever is uh whatever sport that is related to


flying or air, that's that that is always been my, passion I've tried sea sports, I'm not really you know it doesn't really interest me so ya, so, that is something that I am looking forward to do and I think I will do it if I if I if I if I travel I think I will do it I mean maybe after


after I get uh married or something better, it's one of my uh dreams what is the best song lyric you have, ever heard ya


red , there is meaning ya


ya rap rap songs can be uh dilute ya


ya if there's a lot of uh, there there is lot of uh, dark emotion attached to it you know I I I I I find it sometimes uh, there is uh a lot of uh the, deep understanding, and uh uh


sometimes it it can be a bit philosophical also, ya but it uh, but it depends ya mostly ya , uh when I first read this question what is the best song you, think you've every heard


uh the the first song the the first the first song that came to my mind was uh, savage garden savage garden, uh, savage garden isn't there are no more now, but uh what was that song uh


I'm not sure no it's it's definitely not rock it's like it's like one of the boy bands I think in those days, uh but it's pop ah, if I am not wrong ya, ya ya


I remember felling in love with that song ya, uh truly madly deeply ya ya


ya , I ya I just remember that that that song, (mmhmm) , it's a love song but it's uh ya


ya, my next favorite is maroon five, he ya he's a good lyricist man ya


there's very there's there's very little meaning to their songs you know, it's like ya I mean it it ya


ya uh uh to me uh to me it will seem like that they are expressing their memories and emotions and then I I'm able to relate to it you know I mean if


those things that happened to me uh which ya some of them yes and then I can deeply deeply relate to that song you know right, and and uh, but that happens hearing that song makes it more, it it makes it more enjoyable lah


ya, ya , if you if you can relate to it ya


ya that's the thing okay how how would your life be like if you if you were a millionaire


that that there's a lot of millionaires in singapore there is a lot of millionaires in singapore, !wow! how do you think they make it how do you think they made it , ya and a lot of hard work definitely ya


right okay right , ya saved


about finance, okay so which topic first more uh can you ask me first


I have my own personal insurance uh under AIA so I have uh a savings insurance and uh the person life insurance, which covers about I think more than three thousand for for those medical expenses then also have those other insurance plan


plan plus uh those uh those savings plan in case you know like uh, then later when as when maybe a point of time I will not be working for one year so I can use that uh some like this pay out my housing loan my any any loan that I want to pay off so everything under is uh under AIA


australia plan those are small coverage and those are the they call it uh lifetime insurance ya,


oh okay uh okay I I think it's a annually annually I paid actually quite a lot because annually I pay about uh eight hundred, plus for all duration plan then there's one more is about three hundred plus that was the smaller coverage made for for those two thousand three thousand plan let's say any lah I mean bruises or what I'll I will be all for that lah then the bigger the bigger one is about uh


any one is about, two thousand dollars that one is about two two thousand per per year uh that was the colleague the lifetime and also savings plan combined ya so, all under it under it right now but I think I'm I feel like I pay a lot for the the bigger one lah you know the the lifetime and the and the savings one because I think that is quite a huge amount about two thousand plus something per year so uh maybe future I mean I'm going to cancel it out next year


ya because for me like I don't know I sorry, those are , my saving plan I paying about about eight hundred plus per per month uh sorry per per year per year ya so that one I think at certain age I can uh that one


I pay annually not per month annually, it's better ya better complete annually so I paying that annually and at certain period at my age I will be able to withdraw partly from that the savings plan maybe after ten years or fifteen years then may after fifty five I'll be able to withdraw it fully ya there are certain


amounts uh ya I, correct ya at a minimum at a minimum five years then you're able to withdraw it uh partly from their amount , ya


few insurance plan as well ya so the small coverage I think small coverage the one is the most beneficial for our for our age lah I mean the same let's say if you got anything, like maybe those uh any accidents small accidents bruisers maybe fall down at outside ya you'll be able to go hospital and give give out cover fully that and also the hospitalisation plan I mean the one I think the coverage is about ninety percent


the for the hospital bills ya and uh ya ya ya so they has certain uh doctors you can go to those uh private doctors hospital will include that and you also can get full coverage for that, ya they'll , I think what I I remember I remember it's not ninety hundred percent doctor will use ninety ninety percent because that one they have the link uh that last time found in app they will show you which doctors to go through like which hospital


there for them to apply they will get claim from it ya , oh okay uh I remember is ninety percent because at first when I uh when they ask for insurance I thought is hundred percent and fully covered then when I read the thing though it's ninety percent ya so I I don't know why because last time I remember was uh hundred percent than I'm doing my uh my my cousins' time my older cousins so now is like they cover partly also and now I think


just I think the past two years they start to increase the premium, so ya so there's one time uh there was another plan I under, under MSIG,


yes ya, uh right now no I because I never get injured that much lah but I'm I'm using a lot for my medicine uh because I was I, when I'm going uh those uh skin centre every six months for the for my skin condition I had some kind of like a rash or what so I'm using that MediSave to pay off my uh the all the medicine ya so mostly the ya the is for my MediSave lah not from the private


uh okay I believe I think buying insurance is for those like major accident maybe ya really long term hospitalisation ya that one you can really use that fully lah ya


oh ya uh because I think that that I think for everyone there is uh some kind of uh limit they can use four hundred dollars per year, on their MediSave ya ya so I'm using them lah, actually at first before that I'm using, for my uh or is it for my dad so now they told me that from the from the I mean from the I think inside there I'll be able to use for my own


for the four hundred dollar so is that you mustn't hit that uh the margin above four hundred so you can use that you know the , uh the certain age wise


I can't remember because I also not sure because that time they just told me that you know I can eligible to able to withdraw from that, amount ya, so they never tell my what age because now I think there's a this uh insurance right I mean for us, above thirty for those uh for those generation like they they able to because I got this email they call it the CashShield Life


ya CashShield lah so the policy is started from post october ya, under MOH MOH so the same letter for the CashShield Life so the lighter coverage lah I mean they they say the key benefits where you can able to you know uh monthly cash pay outs for as long as you severely disabled than the pay out should start for six hundred per month


and if two hundred twenty they increase over time then the annual premium for eighty nine dollars, per year so I feel it's okay ah but that that one is only for eligible I mean uh let's say you are really disabled you know like you uh have no limb or you know really cannot walk


you know ya it that kind of disability like it's not for those like accident or what ya , is they call it you know the lifetime disability ya


okay but I think I think the MediSave is a automatic coverage right if not wrong it it only coverage you from doctor and such plan


oh okay ya I mean but I think the bulk weight cover under MediShield right the rest I think, you need to pay on your own if uh normal ya but then uh unless you


uh endowment plan no I don't, I think so endowment uh plan endowment plan what's endowment, okay what's the endowment plan


oh okay, uh


uh okay ya I mean what percentage do you of your income do you spend on insurance annually I mean I'll I'll do it on monthly basis


oh okay okay, I don't feel the I mean ya correct uh I understand because uh for me like I don't know I feel like let's say it's few hundred dollars per year if you deduct is okay lah but but then like


got but I know I uh because I uh speak I phone to three people about that then they told me that you know like let's say as long is


your the insurance deducting about two to three thousand per year is okay that's the normal rate ya that's normal rate three thousand two thousand that's normal rate ya that's what they that's what they told me lah but I feel like you know, even though it's the normal rate but then it is still a lot lah I mean if you are paying that much for insurance you know although it's it's still beneficial for you in the future but then like you know at our age you need to have much savings as


possible ya, correct, correct correct because I think as we grow older also the insurance premium will go higher there's also sometimes certain age that you will not get cover fully, like example you know


ya correct correct ya I mean if you say that you they don't know what will you take to take uh other insurance lah but let's say if you're sick after taking and getting insurance then, ya they should be okay lah I mean you still covered fully,


uh ya


I , uh ya correct because I I think the past one year or two year I'm actually the I receive some type of uh five five hundred dollar voucher from AIA


ya so I'll be able to spend on those uh maybe like uh shoes or clothes those uh CapitaLand voucher five hundred dollars, so but then it's okay lah but then like you know I feel like you know still two thousand plus is still quite a lot lah the girls I'm spending on so I feel that you know


because if you compared two thousand plus then per month you are paying about two hundred plus per month ya so I feel like it's still a lot but then let's say for you are paying about one hundred plus per month is okay lah I'm hundred plus for that you know coverage is okay lah I feel that it's okay but then if you're spending more than two hundred ya that's quite a lot


ya , per month ya that's why lah hundred plus is okay a hundred thirty for at least is okay but for two hundred , ya


oh, ya correct correct


uh a certain amount I think the coverage about hundred thousand dollars uh but then I mean there's some insurance companies that their coverage others is higher lah you know under it it uh Aviva the army insurance the SCF, Aviva I heard they are they can able to cover as much as five hundred thousand dollars


uh for for for life and uh disability lah ya, ya but insurance what I mean ya and uh I said insurance you need to know have a limit lah I mean you can't pay that much you must see what's your EN you know, ya correct correct


ya correct


our our company is it , uh there's there's uh there's some form of coverage lah dental medical benefits wise I mean you still get cover for those uh medical expenses


but I think insurance I think insurance they you all you all cover under insurance I don't think so, it's not a high risk job lah but ya


slumbered because I know previously I work in my previous company in uh that was uh years back so I was working a assistance, engineer so we are servicing uh doors uh circuit board those devices in the engine room


the main control room I for for those shipyard ya so the there's still a bit of high risk lah but then they told me that it's you're automatically covered once you join in our company ya insurance wise ya because it's uh so called high risk lah you are going outside you're climbing all the ladders you are going into the ya


yup so for


oh is it the song of the sea is it, [orh]


, oh is it but is is it you're assisting in those firework is it fireworks those type is it


oh okay I didn't know that because I know Sentosa there's there's I think the is something like a show right if not wrong I've I went there, like two years back so they have this kind of uh story like you know they will have those stupid lights firework at the end uh end of the show so you need to pay parking


fifteen dollars is it yup at fridays I didn't no water show right oh is it, [orh]


okay uh ya I didn't know that , [orh] so there's interesting part


[orh]


[orh] uh, [orh], oh !wah!, oh it's quite uh are you do you need to wear those uh helmets helmets and


[orh] okay okay !wah!, !wah!


[orh] okay !wah! interesting actually quite quite expensive ah, ya ya ya, [orh] okay okay


oh no wonder, ya is it what what what what question are we at number five is it oh no four, I think number uh that one


ya i forwarded already so do we just I uh so, then uh I think the insurance uh number five buying car getting property travelling overseas


uh having uh number five only eh ya


uh house insurance I know lah that one you need to do also the same as a person insurance into be healthy when you're getting the house house insurance those buying


insurance all that because the same happened for my dad you know because I think there was certain time I think about when he was uh seventy plus I think he he cancel his uh fire insurance because he said the premium's quite high so the next two years, later he try to apply again he said the he he said he can't apply for fire insurance and then I ask him why because oh because he is a diabetic ya because he applied before he was uh diagnosed with diabetes so after he diagnosed diabetes then he trying to apply again they said they said they can't


ya so sometime you know better to keep it the insurance uh running if not ah, ya but I don't know lah because I know that they HDB said he can't able to apply now because since you are diabetic right ya, so ya uh so it plays a part lah all this you know your health or and the housing properties


that , then travel overseas I think travel there is a name I think I uh normally apply uh I forgot what insurance,


oh that one actually the insurance normally they will cover fully the luggage, ya I mean that one I think that one your personal insurance will get cover lah but then travel insurance tuition I know there's there's uh package lah you know they'll cover for your luggage your as


, , uh the one is also is a high chance lah but then ya but I think ya


ya I think is they are very KO from there but then I think for the luggage wise I think I heard it happened a lot sometime luggage get,


, oh okay okay


negative experience, okay so carl right so what is the biggest pet peeve or what annoys you the most (uh huh) ya so basically what what annoys you the most lah ya


like


oh okay okay ya, sometimes is like that lah I mean , the the that one is I mean


ya I understand ya sometimes it happens lah I mean work wise personal wise ya it happens you know due to many those I experienced, uh for me like you know , of course ah uh people you know like come like you know we will make uh book appointment with people


then they come you know one hour later but okay at least they feel like sentimental you know they felt that that you know they come late but then like some people they just don't bother you know, they just walk slowly like just come at their own time you know they expect for people to wait you know one hour


plus I mean there are it happened before lah I mean for to me then ya of course expectation wise for me like like, you know my people you know like they say they apologies but then you know they give you something else ya, so that one ya annoys you the most lah ya , so so then


(mmhmm)


ya correct correct ya you I mean although although like like say you know some people they say they will just trust their own self they just do do things that are not do their own their own, ya lah


ya correct it it it's not easy lah ya I understand okay


uh is it, ya correct I mean of course I also like you know start people who lie you know like straight to your face or that you know they uh, they'll lie then they'll do another thing or you know they did they like to to do to not not not make you start you know although is not


it's it's still worse you know they you know than them being straightforward, ya, I mean there're some lah sometimes ya we have those type of issues lah what to do we just have to go through with it then ya


then okay second one recall a scene from a movie that made you cry in sadness is there any movie that make you sigh eh make you sad make you like you know


, , I mean there is uh there is a few


oh ya ya, for me I think for me is, uh I think there is some like those uh maybe disaster movies you know those real like disaster movies , I think there's one uh I think I forgot the name of the movie uh is it the


uh, not it is uh I think it was it two thousand fourteen is it is uh what the wave ah the tsunami happen happen in Phuket so they make a movie out of it you know the one uh the tsunami happened in Phuket so it happened to those


, ya correct so that one ya because it's, ya uh I mean those really real one one of those like not those like you know like fictionals the ya it's those real life happened you know people happened before like yes


ya, uh ya I mean in a sense ya ya lah of course lah ya , but for me like other than that you know there's some love stories okay lah as nowadays a lot of cheesy one then there're some the good ones lah you know


the , like really know the maybe the other person die ya you know like really didn't make it in the end end up, you know I for me there there's I explain more on those shocking movies than sadness you know ya


uh okay then next one is describe what you dislike about the older and younger generation, ya, so anything that you don't like about our generation or the older one


eh take it easy


ya, ya correct I mean I think what I dislike about younger generation as well is that uh I think they have, no empathy uh sympathy you know they are feel less remote as well too maybe due to technology wise you know they everything


ya I I think that's what I realised lah I mean, our generation whilst you know we'll feel more remorseful lah you know the younger generation they uh don't feel remorse at all there's, use their phone no ending you know they'll just they will they do they they will do something that's popular that's why I don't like you know they do something it's popular they don't see you know what is right what is wrong


, ya correct I mean that's the trend now lah I mean all about the influencers all that ya,


ya correct, ya I understand


ya understand, ya it it it's about because eh, because everything here I mean everything now is all about the monopoly what all this all this monetised you know


YouTube you know the more likes you get the more money you get the more comments you get the more likes you get you, in Instagram in YouTube in Twitter you I mean it's something like an income for them lah that's why they feel like you know all these these is able to sustain their style through you know through to income wise


so ya but then like although although you know all this also is is not genuine, these are expressed experiences those uh emotional it's not it's it's not genuine you know they just tried to get all of the lights ya


ya I understand uh, uh talk about your worst travel experience


oh ya I understand for me like I don't know, I think my father have more experience than that but for me like


, ya I mean the worst for me it I mean so so called for me the worst I think like happen to me last year but then it's nothing lah it's just that you know, the hotel overcharged my


overcharged the the the the the laundry the laundry fee ya so I paid about I pay about seventy seventy dollars extra that time I was in india in uh new Delhi so our beds, I didn't know they were going to charge with the package because uh we actually have a package trip so we when when there they said it's everything is covered you know everything the food the accommodation but then you know the laundry


it's uh , the laundry I think, the the laundry is excluded but we paid the laundry but we also paid for the food, so the the food they include as well, so we didn't know you know like we pay actually more than what we already uh paid for the package


we pay uh I think about at least, hundred dollar up, ya so that was the worst not not say worst is so called the soap the it's overcharged lah you know, ya, yup


, ya correct


uh this I think, other the finance I think they are also


ya I understand I mean uh okay


I mean there are certain , , ya I understand for me


ya


ya I understand because I mean ya I mean for me like of course lah you know such such as a few time you know it's a few time that you know you do you you not good enough and it's sad you know like something that you did that you think is good but then ah


in the end like that is not you know it does not live to the expectation so ya but then ya I mean there's sometime you know on this also also all of these are in the sometime you will always have to be feel like this you know you, ya there's a certain time the situation you know you wake up to work also work sometime you did also not good enough so it come to present them also in everything you try


there's still you know it does not meet to the expectation but then like you know that's life lah, ya you do it, ya you don't have to you don't need to you don't ya, ya


ya I understand ya because it's something that you must have expectation lah you have expectation then you uh you're you're putting you know uh you're you're putting yourself in a limit you're putting yourself as a benchmark you know you're trying


to reach you that but then you don't have some don't have expedition on yourself try to do the best you can, ya so then uh how about, ,


ya, ya I understand okay ya okay next oh ya I mustn't over think ya I mustn't over think


, okay next is described the embarrassment embarrassing moments that will make you cringe, all right


ya uh make me cringe ah, uh my mind ah some some of these moments sometimes I I don't want to remember


uh, ya let's skip that okay uh describe a moment, the work, oh that one happened to me a few times already ah that one is happened like when the day does not goes right for you you know everything collapses you know there's a lot of issues ya I mean


I mean there're I mean there there there for me is more work it's more related to work lah you know like my past, my past work experience you know there're sometime some days that you know doesn't work out with everything collapses ya


ya ya I mean it's normal lah for me, that is normal you know just need to go through with it ya, therefore thought


oh okay, ya I understand ya ya correct uh so okay in


the most traumatic ah, I think I have but I think I also I don't want to share it here


it's a bit depressing lah ya it's uh very depressing so ya, oh ya is it


(mmhmm) ya, [orh]


, oh okay for me , see for me like it's more happen to my maternal my my mother lah but then I think I don't want to share ah with you it's it's ya


ya it it for me like , ya, uh okay so okay next one have you experienced any loss in your life if you have describe any emotion at the point of time how do you deal with the loss


so ya uh have you any experience in your loss or loved one anything, ya I mean did you experience anything with a loved one all that


or you want to skip this ah you want to skip this, I think this is asking this is I think the same thing as well as the the bike accident, [orh] uh I


[orh] I think uh one uh one deal with money loss lah no no look don't not not alone , I probably I think I lost my mom lah then ya I mean after it's a bit challenging you know going through that point you know time


ya that was the most traumatic accident ya , ya then okay ya


(uh) nothing [lah] should be okay ya


positive experience, okay uh so what hope, what hope, I think should be the uh playing piano lah playing piano then cycling cycling I did most when I was young


cycling maybe playing soccer out there ya, oh !wah! not bad eh as as a child ha


oh ya


oh okay not bad, oh okay I see nice I used to do cycling but then cycling is around my wider area because sometimes you know as a child you have liberty climbing up the staircase with the bike then going down also so I did that on a lah you know


cycling and everything then ya I mean I remember there was uh five or six years old so I was I was cycling around the neighbourhood area so I didn't go as much as you you know right really lah walked out uh my neightbourhood area because you know , I for me like you know just school in the morning then come back from school then just uh you know play play the toys play video games


then when I go to my neighbour house you know you just play more video game then then go down play soccer, then ya didn't the, it's because you never get because that time I mean we don't have any allowance lah I mean ya we just use our parents' money to buy things ya


oh okay okay nice !wah!


the longest ah, the distant I think should be because I went with my uh schoolmates when I was like seventeen years old


so so I was uh , we cycle there in the Changi area you know the Changi coast area so we cycle there until to the, central area, central from there so it was a overnight ride lah so we cycle quite a lot


ya so I feel that that time was the longest lah you know, I don't know maybe about twenty five kilometres thirty kilometres uh ya for me right that time ah


oh !wow! not bad


oh okay okay I did that a lot lah when I was sixteen years old seventeen years old after that you know at certain age you stop lah you know because your bicycle to get old rust then also you uh your you also never maintain the bicycle you know need some sometimes bicyble need like uh the the motor oil you know motorbike lah you need to put grease everything so you cannot make it then


then ya you will lost interest , so now also , mountain yes I uh I have purchased two or three mountain bike, yes mountain biking yes whereas but I never go to that steep of a ramp


oh is it I never go that steep before lah, but I think mountain wise


oh okay okay I think for me it my favourite I think should be the one with mount faber mount faber cambridge park that one is a very steep way too cambridge park, mount faber then west coast park cannot keep much lah west coast park then the west,


ah, ya I think the lightest was uh this uh I purchase you know the the very light bike I think the matter what do you call it the alloy is it alloy , alloy material so


upper seat is the frame so it's lighter lah they say lighter so ya it's better than those roughly I am not sure man maybe, five kilos I think five kilos ah


ya, oh nine ah


oh okay okay !wah!, ya I think for me I'll give you also to, [orh] okay okay


ya ya the speed she is is quite fast lah for the lighter bike but then also you you'll feel that you'll fell tend to fell down more


uh ya but mountain bike okay oh for mountain bike you can use a less gear gear one gear two all that ya, so okay, ya cycling ya should be should be that then I think what the number two


uh other hobbies uh gymming wise you know you I think you should know lah gymming I will go but two to three per per week then other than that I used to run marathons, just for two or three years ago after I stopped already completely then other than that


I pay on monthly basis about sixty eight dollars per year uh per per month sorry, Firdaus, I think


oh okay, oh okay okay !wah! uh oh, I think can lah you can you can do home workouts also lah home workouts also is the best


ya home work out like those ah maybe those rules you can watch though YouTube videos one right ya, then okay what can we go to the next question, uh


oh , that one you you really need to get those uh you need to get those uh protein proteins, protein those ya


oh okay okay, oh, oh the uh what are the best parts ah the best part of my childhood I think it was when I was young lah primary school wise


I think primary school I feel secondary school is much more difficult I don't know very stressful and I get a lot of issues I don't know why primary school is okay primary school right you although it's like you feel that it's it's still the same but then like we think about it ya that is the most simplest time


it is nothing much ah it's quite simple ah so when young , but of course lah ya because you have more time what correct because secondary school you I think you're spending more time you know like CCAs


the schooling days ya , ah


not not much that have gone with it because I'm the eldest child also uh I mean I think I was since young also then I got younger brother so not much of a responsibility for me it's just that you know you are I'm still ya I'm still have to be independent in a sense lah but then ya


because everything you every amount every like allowance you get for your parents lah right so you you don't get to spend much outside you know you go down you just do what you can play around you know buy the cheapest drink then, ya you have ya otherwise so food wise you go back to home you can't really stay out the entire time so food wise water you need to go back to home you know to have your lunch and dinner that was that time lah so now it's very different already


uh ya correct so it's like food wise, ya food wise


uh who are the people uh should be my parents lah my mom and my mother and father , ya because they are the one who bring me up the most you know from young all the way ya to where I am now, so


, oh, the best thing I've done for myself ah I have no idea


maybe the best thing I think I've done for myself is most probably uh is, okay I've done out of impulse sometime can be impulsive then maybe sometime we uh what if I want if,


, oh okay ya true


okay like like climbing a ladder lah I mean we try to be better than what we are, ya , then I mean ya best thing I mean I let's say , because best thing right I mean I did I did on I did it on impulse lah impulsive you know like things to like is this suddenly I want that I want that you know I buy the android balls or BTV speaker or laptop you know you see something nice you just buy it right ya that does it ya


that is supposed to be like you know the most cherished the ya that's the best thing that you will doubt my answer lah I mean just me lah, that ya so, so did


I'm using a Vivo I just bought it lah last month, , no lah I mean I think for now what's the purpose you know I just buy phone every two years you know if you buy their phone then you know keep on spending phone the phone you know as long the phone working does not give you any issues then should be okay lah if it it's keep giving me issue then buys buy a new one lah


for me I always see the spec you know the either the the camera than the the HD display all that you know, in buying handphone ya


oh skydive actually there's I think can do the I fly what in Sentosa


ya correct, because I mean skydive you need to go as in uh as in the instructor first they will like piggyback you like ya then after the second attempt I think they will leaving will leave you alone


hand gliding ah oh


ya, oh oh !wow! seat,


that song lyric ah lyric I think, I don't know ah is normally songs I'm not into that kind of song lyric wise I think should be the those type of rap lyrics right


collide with this there's something that's uh like a like there's some kind of uh you know like a hidden code inside those style of a lyrics so sometime when you said have to listen a few ya have to listen a few times to understand it ya if not ah you you


you will be very lost like those type eminem made too far ya, ya correct


savage garden is the is it the rock is it a rock song is it


savage garden


describe the moment then okay then okay next one oh, but if you still remember the lyric or not do you still remember what they say the lyric all that, oh !huh! ya I heard before ah


oh okay I didn't know that okay, I think uh last time you also last time you listen to maroon five last time


that was a long time back uh sixteen fifteen years old so the lyric wise I think ya there also is quite a bit of hidden code message lah I mean ya, of course, ya so that was the so, called the best lah I mean the first time I did hear it then other than that before that I think uh boy those boy band ah I mean although there's you need to understand but then you know the best for me the best song lyric right


ya there's some , there's some type of hidden hidden message you know sometimes they will think about they will talk about the ex they will talk about I mean like any like past experiences relationship there was, saying their name inside like


ya especially those rare band names those uh singers especially ladies ladies wise they will talk about you know the ex everything like those taylor swifts all that ya so, !wah! I mean so so called ya I mean the best song always for me like is it had to be hidden code you uh you need to understand it fully the whole sentence than you like !wah! ya


oh ya correct correct is it is more if know you'll feel it more satisfying, when you when you know and standard the the lyrics, oh that ya then okay next question


uh , I mean in singapore you I think singapore you cannot be a millionaire lah you you I think you will temporary uh waste all soon , for a millionaire, if you are multiple millionaire I think you can you can survive singapore


ya it doesn't ya , they made it by not persevering you know uh they were at the right places the right time that's how they view ya , ya correct I mean


they uh they have their focus lah I mean they need to have that you know focus to able to you know persevere they can't just say no they've to keep on trying trying then also is also all the luck also I mean the, the right time and the right place then ya it's the they have the right opportunity for them to become like to them


ya (mm) ya no problem, okay


part one finance


okay ah, okay so I think I'll I'll start first then so basically what what’s my investment strategy so my investment strategy is whenever I try to invest I always look at it on the long terms point of view


I I I don't like the idea of trading because uh I'm firstly I don’t have necessary skills and secondly I feel that short term trading is rather risky these days so what I try to do is I try to do long term tradings when and when I've speak long term I’m, talking about time frames of five to ten years not just uh one one two years you know long term can be very subjective to individuals lah


so so how I plan is that basically I I I like to invest in both stocks and ETFs so stocks I I try to pick on penny stocks that we call so penny stocks are basically stocks that are worth less than like what it names suggest less than a penny


so they can be as cheap as you know ten cents twenty cents up to a dollar and the idea of penny stocks is that basically when you buy them in large volumes, as long as the price of the stock goes up beyond one dollar so let's say suddenly if you check your app right now uh the penny stock from eighty cents it became one eighty is actually like a huge change for you because you are buying in quantities of hundreds and thousands of


the penny stocks and your profit actually increases exponentially just because, that penny stock has doubled in price, so ya so penny stock is one of the great way of investment because a lot of people who apparently made money on stocks right they actually starts on this simple ideal of buying cheap stocks at large volumes and then just hoping that anyone of them just breaks through the mark


, so that's one of the unique strategies uh that’ve learned over the years the second one is that basically uh, like like what many people will suggest uh is to uh is invest in this thing called ETF so exchange traded funded they’re like a like a basket of some of the best performing funds on on on the world so what happens is that


if you know that they are some of the best performing funds they're all bundled together, the chances of it rising over the years is, almost definite so you can be pretty much assured that if every every performing good performing stocks are on on the rise, together they will be on the rise as well so what people do is that they put like a portion of the money depending on what age group they are so for us we are like young people so we we are more towards a risky investor I would say so for me personal I only put like twenty or thirty percent only on ETFs


but seventy percent goes into penny stocks and stocks that I feel has got large potentials to recover, after the the the COVID situation, , ya so how how about you <P2>herman</P2> what about you


ya interesting ya,


I'm I'm guessing from your discussion earlier I think I'm assuming both our risk appetites are pretty high because I mean although I don't do trading I I do investing but uh investment also comes in different risks forms you know like uh penny stocks especially they’re consider to be high risk in the sense that uh out of hundred percent of the stock penny stocks out there in the


world maybe just five to ten percent will actually breakthrough that that barrier that we are looking at you know the rest will stay below that penny value for for like long periods of time so so penny stocks overload, it sounds good but of course you must pick the correct one lah if not uh the chances of it being valued at less than a penny will stay for forever basically and and certain companies you know they will just shutdown they will just uh delays from the stocks market and things like that so penny stock are basically uh


very risky in the sense that uh you don't know when you will make or break so in in term of penny stocks my risk appetite is extremely high ETF I I would say my risk appetite for ETF is pretty low so I actually usually buy ETF which has got the lowest risk


so even ETF they’re got various risk appetites you know like some of the ETF are very aggressive they are very industry based like technology medicine uh ya and then some of them are very widely based so it covers all industries as long as they're they’re the best performing one


so so one of the perfect examples I think will be s and p five hundred so what it does is that basically it takes the top five hundred global companies which are performing the best at that point of time and then they're just part of the basket, so for me when I do ETF I'm doing things like s and p five hundred because five five five hundred of the best performing one's pretty bound to be sure that you know is is going to rise on over the years cause is the best performing one they push each other and then they will rise together


so so when it comes to ETF uh my risk appetite is very low because I want it to be a long term savings product kind of thing when it comes to penny stocks is something that I I like to take very high risk because you know one day you, never know might just make a breakthrough so with a break it through then yes it's a good thing life I can suddenly earn double or triple of my initial investment in that


but trading is something I I don't do personally because I feel that the time period is too short so trading can be like as short as daily or weekly or monthly also so those are things I don't have, time to monitor on a regular basis due to work commitments uh due to personal commitment so so that's the reason why I'm not taking the path of trading just investing


yup how about you


yup yup ya


totally agree with you uh ETF is solid a good starting point for anyone in the investing world uh is is is is really the the first milestone that the person needs to take into if you want to say that they’re started investing you know if not uh they they will just be fearful like the word investing you know the word itself investment sometimes people will just scared of it lah


ya


this one is going to have multiple views from different people like they'll be extreme views so some people they totally hate this idea of buy low sell high because they because it it boils down to the next question if you realise question six time the market or time in the market, so when you buy low sell high basically what you are doing is timing the market


you are assuming that this company that you’re buying in a few years time it will breakthrough the the price point that you’re looking at and then that's when you will sell high, so a lot of investors they have been to like I've mean to various stocks uh across the country so what many people says that is that uh you should not time the market because sometimes emotional uh feelings comes into play and then when your emotional you tend to make drastic changes in terms of decisions that you make


so like, for me I try my best not to let my emotions comes in way so what I do is that when I buy low, especially the penny stocks I'm buying them low below aparely and I'm just keeping them for the next two three years because I believe in the next two or three years they will come up with a product that will improve their company's overall financial situation to the point that the value of stocks with naturally rise over the penny mark


and there’s when I was set out, so for me I I I feel that, timing the market is like you know future forecasting you know a lot of people says that uh we don't have the skills to forecast the future so why are even doing this but the thing is sometimes when you go through certain companies that has got a lot of potential a lot of


demand that you feel that will be needed in the future why not just give it a shot and some more you are young people so, to us we don't have much of family commitments we don't have like commitments to children uh is best to actually take a high risk approach while we are young, but of course over the years as we grow older that’s when we must rethink our investment strategy and go towards medium risk and low risk products so so ya so for me I feel that buy low sell high is something that is perfect for all young people like us because if you feel that a company has got huge potential


just go for it because there's something is strongly valued dammit and there's something you strongly believe that in a few years time they will break through so just buy those so for me ya I'm a huge supporter of that although I, I admit that out of the maybe the five penny stocks that I buy maybe one or two will breakthrough three might still fail but at the end of the day those one or two will surpass the profits that I expect out of the five you know


ya how how about yourself ya yup yup ya ya


I I totally agree with you so uh these strategies is for extreme risk I would say so what you are looking at you're not looking at ten twenty percent thirty percent return what you are looking at is literally hundred percent two hundred percent three hundred percent return so these are the most extreme form of investment that you can do when you buy low and sell high for penny stocks


uh ETF of course like what you mentioned is one of the safest gives ten percent annual return which is I mean close to ten which is fairly good I will say for someone who's just started the investment journey, but ya exactly so I think that's one of the things that are actually brings me towards discussing to the next question which is


uh investment opinions on number four like what would you recommend a student with little cash at hand, ya so I think just a few years ago we were in the same as the situation man like ya so we were both students you know we were both trying to explore different options to earn money and stuff like that while you are still in school so I I think this is something that is very relevant to all of us


uh even at this point you know if we were to further our studies you will become students back again and what do we do with our little cash you have, so maybe do you do should we discussed on this question the next one uh okay, sure okay so for me like whenever students you know I've got some friends who are a few few years younger than me and then they are keen onto investing and then the first thing they will be like <P2>zoo</P2> I want to invest but the word investment sounds quite scary lah and a lot of people have lost money you know a lot people have


taken their lives just because they've lost extreme amounts of money so it's a very risky word to you know even mention, so for me I will say okay if you are one of the lowest if you prefer something that has got one of the lowest risk, go for go for bonds so


bonds like what you mentions exactly so SSB gives you annual returns of about two percent which is fairly good in the sense that is much higher than your your your ya, ya exactly is definitely better than your bank account rate is definitely better than


money being put in a savings account or or or just in your home for example so some people they they like to put money in their homes you know they're just scared what happen sometimes in emergency, ya so savings bond are one of the safest method in the sense that so in a company in one day they were going to liquidation or bankruptcy they will always ensure that they pay they will pay the bondholders first whatever amount that the company has


before it start paying back the stock traders the I mean the stockholders so in that sense you know some of the company recently has gotten bankrupt right so what they do is that whatever they've liquidated they'll give their money back to the bondholders first, so based on the logic itself bondholders are all is the safest to uh safest form in investment because you’re can be pretty sure that you will get back your money


but stock stockholders probably not because by the time you paid all the bond bond uh holders the company might not have any more money to give back to the the stockholders, yup so bands bonds ah sorry ya bonds are one of the safest way secondly


let's say you’re the students is not happy with two percent he's like he or she is like !wah! two two percent just like two dollars per hundred dollars like putting per year is doesn't really sound good lah so what's the next safer option so like what I mention ETF gives you about a solid seven to eight percent or seven to ten percent depend on what you choose


but it gives you a solid minimum seven percent which is, very good option, and then and then when some of the students they start to get greedy right they want more than ten percent so so that's when I I tell them look into crypto currency and look into some of the safer stocks that you can buy right now


ya, yup yup


yup yup,


(um) agreed


yup, okay part three negative experience, okay


uh honestly not that I know but ya I can I can ya let let’s see what’s your view then I will see what I can add on yup


SES


ya yup ya


I I I guess that’s one of the dark side of our society I would say like uh it's inevitable that throughout your uh everyone's life journey there will be people who who will be jealous of us will hate us will look down on us


but is always how do you bounce back obviously at the end of the day so ya people may look down on you but all all you have to do it just just ignore them haters gonna to hate right like what they say, so just focus on what you really want to achieve in life and as long as your successing in life you know the same officer if you were to see you right now you know like <P2>homer kumar</P2> working for a big MNC


probably I need more than him as well so I think he will be jealous and that's something that will make me happy as well, because people will look down on you at the end of the day you know you're able to be more successful than them I think that's the one of the best way to show them that you really a capable person ah, ya so ya I think this one of the dark side of society but the only way to you know


show haters is truly to be capable and uh more worthy than them lah at the end of the day, okay for for me ah, I for me it's for me it's not that drastic I would say like I I can only remember two instances of people looking down on me but it wasn't that serious so one of them was basically in my secondary school days so uh remember we were we were actually doing our o-level exams and then before the o-level there was prelim exams


so the preliminary exams are supposed to gauge a student's ability to performing in the actual o-level exams that's that’s what the teacher say, so there’re meant to be a bit harder and then if you do well means you're pretty well prepared for the actual o-levels but I back to differ so for me I did extremely bad for my preliminary examinations and then it was so bad to the point that uh the principle and my form teacher decided to meet my parents


so what happened was that they call my parents they call my dad to come down one day and then they told my dad that look uh where do you want your son to go after the o-level exams as you know after he gets his results, and then my dad he was saying ya want my son to go to JC there's a JC just besides his house so and I think he wants to go there as well so I would like my son go to the JC


and then the the the next reply actually kind a shocked me because what the teacher says is that you can forget about your son going to the JC, because uh he has done so bad to the point that I'm not even sure whether he'll be able to go to the any of the education institutes, ya so he might actually need to even retake his o-level exams for one more year


and that was something that really uh shocked me to the point that I was really angry with the teacher like uh who are you to you know to judge a person ability just because as he or she has done badly in the prelims I mean there are so many people out there was done badly in prelim but on actual exam they do fairly well


so so I I was kind of mad at the point uh my dad was really disappointed because, parents you know they love to listen to teachers they don't they don't like to listen to the child because they're too young and all that so my dad was hitting my teacher‘s advice very seriously and he was like telling me jason you better backup if not err like what your teacher say going to stay here for one more year


and the funny thing was that uh, of course I put in effort but I wouldn’t say I put in drastically a lot of effort I didn't become a superman in that few weeks you know you just like three weeks away from the actual exams so what I did was I just work, a bit hard extra hard and then


I I made it to the JC that I wanted to go you know at the end of the day I I already made it to the one that my dad wanted me the one I wanted to go and I was thinking like what the hell you know like, why is the teacher underestimating my capability just because I didn't do well in that so I was really offended by the teacher uh thank god she's no longer in this country she already left so that's one good thing


but ya I mean you shouldn't judge a person just because of one preliminary exams ah you should only judge a person maybe on actual exams once he or she has given his full effort to you know really do his or her best, so that's one uh another one, I would say also was in national service like what you’ve mentioned so for that he wasn't very obvious but I could have I


I could feel it you know like I could have this slightest of feelings that you know there are people may actually be looking down on me so so what happened was that I was posted to this commando course ya is a six months course, uh firefighting commander course six months course you work in teams trying to you know uh save lives and all that so it was one of the it was one of the most it was the toughest course in in SCDF basically so because of that they actually give you re spear and things like that so


on my first month what happened was that uh I'm not sure if you if you remember but you know for fire fighter wear these are orange suit called the bunker gear, so what happened was on the first month they actually gave us bunker gears that wasn’t properly washed they was quite dirty I would say so I mean that was back I'm talking about five to ten years ago I don’t know what what's the situation now but back then what they gave us was


dirty bunker gears that wasn't really sanitize or cleaned properly and then we are using that for a trainee on a daily basis and then we were wearing those for long hours and so what happened was that I have skin allergies uh my skin uh reacted quite badly towards he's so what happened was that I got this thing called hives


so think of it as like a mosquito bite times a thousand of that all over your hands, so mosquito bites times a thousand on over your hand you get to see bumps all over your hands and the reason is very simple is because your hands are in constant contact with the dirty bunker gears which causes a reaction to your skin


and because of that I was getting hives almost everyday I mean, it wasn't painful or anything it was just very itchy you don't like how mosquito bite you is very itchy is very itchy for the whole day and it became quite annoying and I was sent to the medical doctor so I'm my officers they told me I think you should go it looks like disgusting anyway


so ya so I went to a medical doctor medical doctor was saying no no no it just a minor thing you should be able to uh just take some medication and be fine, but what happened was that it wasn't fine so I took medication the reaction still started coming up everyday so at the end of the one month mark you have for your choice you know like they gave us the choice to make are you still want to stay in this course or are you gonna to opt out


so for me I actually opt out and I'll and then there were some people some of my friends some of my uh, sergeant were be surprised that I opt out because you know I'm be be consummate to be want one is the fitness like test a able to run able to get IPPT and things like that so why I am are opting out


but they don't understand the fact that I'm getting rashes which is getting very annoying ah and I I don't know what's going to happen after this you know like maybe prolonged exposure to these might actually cause even more drastic skin reactions, ya imagine damage the skin which I didn't want to take the risk lah so so because of that I actually opt out and ya I could feel that sometimes you know they look down on me because after that


uh so what happened was that after I opt out from that course I went to the security department and there's a saying that you know for our national service if you are in the security department you and like one of the snickers department, ya ya security is important that’s true but is one of the snickers department cause you really just


stand there the whole day or you're checking people's bags and things like that uh so in that sense ya some of my sergeants from that course they they look down on me they look down a bit on the aspect that ya what the hell you were supposed to be a commander and now you are like in security


uh it wasn't obvious but I could feel the sentiment I could feel that negative aura sometimes and everything but of course uh it it it wasn't that bad I mean of course they give me the respect any needed because at the end of the I'm the security person I'm the one that allows them to enter the care entry if I want to


so ya they have to respect me uh whether they would like it or not but ya so these are the two specific moments I think of you know that ya there were instances that people will look down on me but, I I I I just uh didn't look look that on a negative aspect lah I I just try to ignore that and try to become a better person things like that


ya, yes ya, yup


ya exactly so I think we are the age we are already masters of that lah so now we know how society works ya we we should be able to get through that quite easily nowadays, yup , okay sure err, okay let's see


talk about your worst travel experience, , the worst travel experience the second last question,


okay okay sure ya so I have my worst travel experience so like I said I've been to close the then countries but the worst one was actually, not worst in a bad sense I mean you will just scary because uh


so that country was new zealand okay so I was there back in uh twenty eighteen after graduating from it from my school university so I I took that as opportunity to go for a graduation trip and I choose new zealand because of its scenery and and the animals and alpacas and things like that lah basically so there was


two passed do we that that really made it a scary experience so one of them is that so, naturally I think you are aware that I have terrible eyesight back there I used to wear a thick glasses I used to have this thing called astigmatism and that basically means that if you are you not able to see distances as sharp as you could you will see them mostly as a blur vision as you look around


so one perfect example is that for example if I've talking to you face to face right sometimes I wouldn't really see the specific experts of your eyes nose mouth and things like that and what I would see is just a blurred image of your face, ya think of it as like a a movie there's you know has got blurred images so that's what I met you see now regular basis if I don't wear specs


so so what happened was that I I do wear contact lenses daily contact lenses but not as often as I wear specs so I took a few daily contact lenses just emergency purpose and I took one glasses to new zealand I


okay so the thing is my specs broke on one of the sides so what I did was, I went to my uh first aid kit my so called first aid kit I try to see how many contact lenses I had, it wasn't enough for the next five days I only get like three sets


so and the thing is there's a risk to wear daily contact lens for more than twenty four hours so what I did was that I know that I can't go to a spectacle shop because they can’t make these glasses immediately mine mine a special lenses by the way because eyes is very bad ya so the thing is I can't go to the spectacle shop I can't get a replacement


I can’t buy contact less because they will take at least a week to arrive because their special lenses they're not your typical go to counter just buy it and get it lenses so what I did was I actually, sometimes I didn’t even wear specs I just walk down the city of new zealand with blurred vision if you know kind of scary uh sometimes what I did was I took squash them a super grand I try to attach it as much as I can to repair the damage area but it wasn't enough so like for example after like half a day or three hours it will just fall apart again the glass will just fall apart


so ya it was a pretty scary experience because uh imagine you can't see and then you're traveling in unknown country lah and there was certain times I was solely alone lah so my friend wasn't around uh they were in another city or something like that I was traveling alone in a new city totally by myself trying to navigate around


uh of course I have the option of just stay in the hotel room the whole day lah but uh that's not something I want to do if I'm overseas so so what do I think it's a look I I need to get that thing sorted out so that's the reason why looking for LASIK surgery, that was the turning point in my life that told me that I must do LASIK surgery because LASIK might not be hundred percent the best option but it's definitely enough to get me through my daily activities so now you don't see me wearing glasses I'm able to drive I’m able to travel around not a perfect vision but it's good enough


yup yes correct, the second one is basically so new, zealand also uh I was with some of my friends we’re on a, caravan road tripping so what happened was that the tyre bursts, while you're in the middle of two cities ya it was a bad experience because uh if you notice in new zealand like what they said there's lesser humans there’s more animals than humans and that's true in fact you you'll notice that on the on the southern side especially uh the land area is so huge but the population is just one million


people, uh to put things into perspective the total population of new zealand, is around the same or lesser than that of singapore, so that's how extreme the population there is uh so I was on the south side population of one million people such a big area middle of two cities with my friends tyre punctured


there’s no spare tyre and, then we have to call the person to come and the person said he's not going to come in the next one or two hours it gonna taking a few hours so imagine being the middle of a desert, with three of our friends limited food supply I mean sure there was sanitation there was toilet inside the caravan but the fear was of us getting robbed or


I I don't know maybe animal wild animal just attacking us you know things like that so it was, not a good feeling I will say to to be stranded on the middle of nowhere in a a random country that you are not familiar with uh none of us are similar in that country all of us were first timers uh all of us were having a good time until that happened and then we


we wasted, more than half a day basically trying to get that issues sorted out, although the good news is that we've got the issue sorted in half a day but the bad news was that, all the plans you had for the particular city was gone destroyed, so uh just to meet the timelines uh at night we took the overnight bus to the next city so we totally missed out that city itself


so ya, how about you any,


ah oh !wah! that’s quite serious actually ya ya it’s okay ya that’s good that’s good


okay yup


part, two positive experience


, ah okay sure , so I guess one of the questions that I I would like to answer is basically based on a COVID situation what are you thankful for


so ya so right now you know if you, we read the news we watched the news online you will notice there's a lot of political uh instability loss economic instability and our social instability around the world but we being here in singapore we don't really experience that as much as what other people experiencing all around the world


so one of the things I'm really thankful for is, you know to live in a beautiful country like singapore where the government really make sure that there's not much uh things doesn't really go out of hand, and people don't start you know rioting protesting uh fighting each other and all all that uh negative uh things so one of the things I'm thankful for is really there a one of the I I would say one of the better governments in the world that they managing the situation very well


secondly is that uh I'm really thankful of you know still being able to work, because currently I'm still keeping my job I'm still earning as what what I've earned previously before COVID so it has been about six months since COVID had started by the way so


uh six months to a year I would says some news reports says they started back in december uh november december in china, so so the fact is that my company uh they were very nice in the sense that they didn't cut our pays they didn't retrenched any people the CEO was very understanding to the point that he was saying that look I'll make sure that uh none of you get retrench we’ll try our best


we will try to take our companies funding but we will make sure that no one gets retrenched at this period we know how important these jobs are mean to you, so that's something I'm really thankful for it’s like to be working in a company that really cares about his employees and really tries the best to you know help us as much as possible


and uh third thing is basically I think I'm really thankful for the way I mean the the point in time that I am living right now because uh I have a decent job you know I I I'm able to get the


my favourite food my favourite drinks favourite activities I can do on a daily basis right right now if you want to have some like uh a burger or something on a fast food restaurant I can just go it outright now and just go get a burger, you know sometimes simple things like that you know food that you love things that you like to do activities you would like to perform if you are able to do it regularly these are things that you should be thankful for because you think about it certain countries in the world maybe like hong kong or I I don't know US for example


they are having rights on a regular basis they are not even able to get the food that they want sometimes food stores are all closed because of you know rioting concerns and all that so, ya I'm thankful for this little bits ah you know being able to live in a wonderful country being able to keep a job being happy uh keeping my families and friends safe you know everyone is safe


and uh one of the things that you might have noticed is that in singapore especially one of the COVID the COVID death is one of the lowest in singapore and secondly the COVID recovery rates is one of the highest in uh in the world for singapore, ya so these are minor things I think when you look at it on a bigger picture only minor things that add up and then it really makes you feel very happy to be here


ya how about you


agreed


ya totally agreed,


ya just just one small thing I totally agree with you because I've travelled across many countries and I realized after five PM after six PM most of the f and b places they will be close so your only options are seven eleven conventional stores and like what you said sandwiches la so ya ya you you brought up a very


, uh good pulp but shitty food I would say ya, uh is, ya correct correct uh, okay so maybe another question , let see uh


you you want to start first on that,


so ya we do have some similar similarity ah I think that's why we are we are friends right so one of the thing is that uh ya people, skills I I feel is very important so one of the things is that I I love to you know talk to different people uh hold conversations of I I mean I met people I’ve seen before in my life you know but you can hold conversation for hours so so that's one of the good things ah being able to meet people and talk to them as if they you have no meet for very long time


uh another skills or abilities is a bit uh unusual but I think I actually share as well so what I'd like to do is that uh they they call me I mean a lot of my people friends they call me the Lobang king, so what it means is that basically I'm able to get products and services at a fraction of what regular people are paying for


so this kind of incident happened back in when I was in secondary school what happened was that I‘ve try to buy a KFC meal, okay I’ve try to buy a simple KFC meal, on the board it shows ten dollars so I was I took out ten dollars on my wallet I paid for ten dollars after I paid I was waiting for the food to come another guy who was behind me in the line he bought the same meal and he only paid six dollars


and that got me so pissed because why am I paying more for something that we have both equally getting, and then I realised it comes down to the main point at the main uh treasure that I would say which is coupons so if you are able to leverage on coupons discount codes and things are that you are able to drastically bring down a price to the point that when people see the receipt they will be shocked at you


okay so one of the things is that uh right now COVID right a lot of, people are buying things online especially groceries uh electronics home uh appliances and things like that so you go to websites like you know lazada shopee uh ebay and things like that


so how do you make the best out of the you know one of the skills is that you are supposed to do your research before and try to find the website it gives you the best possible discount for the same product as being so across all the websites, so that's how that's the point where you started leveraging a thing like discount code


credit cards so credit card is something is very important in today's world right now I mean especially this year so you’re buy things online use credit cards because banks are giving you discounts to buy things as well, so combined combined the power of credit cards combined the power of discount coupons and sometimes the store that sells that particular product might also have its own discount codes and promotions