I do not know how, while what's going to happen to them, if my parents are still alive, that's another thing what if my parents are, also not around


and me and my husband die, who's gonna take care of my four kids


ya I I can I can understand lah I, I think that is every parent's fear


positive experiences


the travel experiences that made me go in awe is, when I'm able to visit uh liverpool, and watch the show


ya that is where makes me in awe because uh not, everyone are able to get the tickets and able, to go there so ya so that is one of one of the wonderful experiences


(mmhmm), so far I do not experience any of that how about you


I might do some good deeds lah but but maybe there's no reward


no right ya ya nobody recognize your good deeds


again also I do not have any any of those experience so I cannot relate to that


so that's how you you that is how you experience, maybe when I do exercise that's where my adrenaline rush, nothing great ya


I was just thinking about that, so my proud proud moment is uh after having uh I mean having four kids


I mean when I delivered each one of them that's my proudest moment, ya, and err not to have any, epidural, so I think that is my one of my proudest moment and achievements because


ya, it's not easy labour but uh yes I I I went through it I survive it, no epidural yes I can do it


what amazes me, uh, I can't think of anything now


that's that's how I feel also, so uh your family, your parents that that's what makes, us, wanted to move on , and uh at the same time


my faith my faith and religion, yup, despite whatever happens


I don't think I have anything that I can be proud of, uh ya, ya but everybody can cook and


everybody can cook that's the thing so , uh it's an ability and uh it is something that I have to do, so, it's it it's nothing that I should be proudest of but


if you were to say that some some ability that, that I should be proud of I do, not think that I have any but if you think I don't know if it's the cooking why not right


ya not everyone have the PR skills not everyone can actually talk to public and to do a liaison with public so kudos to you


as for me I would as for me my my that activity would be uh going for window shopping alone me time, after work, that that that suits me


without having no one to interfere or you know differences or disruption, so it's just you yourself and , uh by doing that also you can actually make better decision


I don't think so a lot of disruption, and I'm not not able to focus, ya, I will ended up buying the wrong thing


my happiest moment in my life is, uh getting to know that my firstborn actually pass his o level recently so, ya I'm I'm elated, it's uh it's not easy for him because


he struggle, all the way through and he made it, his result might be not be perfectly but uh I I know he has done his best and I and , and ya and that is the best thing that has ever happen to me


so what can a a father want, this is, this is just the the the little things that, a a a parent can have I mean you know


I'm thankful for, what am I thankful for I mean I I I'm I am thankful for for whatever that uh god has gave me now


the life , err, the life that I I I am in right now, the, uh, probably there are other people who actually have lesser than me in a difficult situation


err so I'm thankful for whatever I have, even though some people will think that uh like what you say less but they say less is, so actually everyday we should be thankful for whatever that we have right now even though we we lost the job


oh we don't have much food to eat, but uh to be able to breathe, today to live is also thankful


I do but uh nothing odd or cool about it, so no , usually the compliment is just a so-so compliment, so nothing unique nothing odd about it


ya me too, ya


alright, ya usually compliment is a compliment ah I I don't find it anything that people react uh, quirk uh uh very odd so far I have, never experienced that in my whole entire life


, as long as uh you sometimes when people, when people wish you through the social media and everything , uh with their prayers and everything, it it it made your day you don't have uh you don't ask for much


so that is actually good enough already, but of course if you were to get monetary or some birthday present some luxury gift it's uh it's good


to have a birthday wish with lots of prayers uh for me I'm already blessed, ya and to have to and having to live for another year so is to blessed to be blessed, do you feel that way too right


especially when you come to this age, you don't you don't think of all these things when you are younger as you age, then ya you tend to appreciate


blessings in disguise, I do not have any but I do believe in that, sometimes you asked for things but god, won't uh, won't answer your prayer but instead god wanted to give you more better than whatever


that uh you ever wanted ya, how about how about you how do you feel do you feel about that way too


what what what is your comfort food


okay as for me my comfort food would be all the, sweet tooth stuff, so uh after lunch


uh I'm really into all these uh cakes pastries, uh chocolates, so and uh milkshakes, ya that is my comfort food ah


uh I I will, look for that if I don't get , or I make or I bake bake cakes


ya really look up to them because whatever things that have happened they survive, uh the outlook in their life I mean , the impact that they have on me and vice versa so they kind of like


uh inspired me lah, the way how how they run things in life and their perceptions their mindset uh it inspired me so ya I really look up to them, they are my inspiration


okay okay


oh okay uh how long do you think your investment strategy will be how long do you need


uh for me I'm looking at uh fast one maybe uh (ppc) in one year to see that there's any uh


growth uh fast profit for you


so uh so how you plan the investment portfolio, err, the portfolio must be uh friendly I mean uh


(ppc) how to say ah err, easy to understand lah people can easily understand what is it about and, uh, and can make people uh invest uh what about you


what is your risk for investing and trading, err, you if I have a lot of money uh reserve money then uh I I the risk is I don't mind taking the risk lah but if I


do not have enough uh let's say I have only a small part of uh reserve money I maybe uh I'll do it at uh fifty percent, (ppc)


uh ya not for me too uh but maybe uh


ya not for me to but maybe have to do more reading uh to understand better, okay uh, have you invested in options before what is your options strategy


err, I never try this before, okay uh do you invest in stock market uh for me


no but I have some friends so uh I always ask them lor, uh ya always ask them but it's always up and down one


so when ya so when when it comes to investment right so you have uh you have to analyze this and that uh so many things that you need to analyze so you need you need to have a a, but uh since uh I I never do stock market so I I just have a read I do not know I don't do analysis because I don't do stock market I don't think you also do that uh so what do you think of your automatic investment and invest passively


err automatic investment is when uh you have uh reserve money like uh say money that, uh it's like a savings lah uh, part of your savings that you put for investment so it's auto


err if you have a lot of money then you of course you can put in auto and of course uh you have to invest uh property, , right ya


buy low and sell high uh uh yes of course this is a good investment lah you buy low for example you buy at fifty cents and when you sell , uh it at two oh two dollars you earn one one dollar fifty cents lah of course this is a good strategy


do you think one should or a credit card uh, uh yes uh but it depends how you use it, for emergency or for luxury what do you think


do you think one should own a credit card


(uh huh), so what advice would you give to someone in order to retire comfortably, uh for me spend within your limits


do not overspend, uh the control is in yourself, ya


that means ah uh if your salary is example three thousand then your credit card limit also three thousand so you cannot be spending three thousand right you you


in your salary you should like set aside every month five hundred, for this uh additional spending, so if you wish to have if you wish to buy something before your salary right by using a credit card so you only spend that five hundred only if you spend more than


that it will give you problem, because at the end of the day when you get your salary you can't pay the one how much you spend on your credit card, so it's uh it's not good, uh like what you said uh


can give you a bad debt right,


once, what are your thoughts on CPF contribution, uh for me is a forced is a forced saving, but it's a forced savings that uh


you can enjoy your money later when you retire uh that's all uh for, for me this is this is the only thing lah what do you think what what what what do you think


CPF contributions


so how do you manage your what advice would you give to someone, err, since uh our CPF right we is is untouchable until we retire so if there's an opportunity for you to invest


and and the returns will be later when you retire then uh, uh so this is good lah this is good


so I think you ah you also prefer this right


but the the growth I think they should look into the


the CPF growth ah once you invest, it should the numbers should be should visit more, I think should be more but but it looks like uh it's slow, I I I don't know for other people lah but


for me I I see that the numbers slowly grow, so ya so I uh like to see the number grows more , , so uh what advice would you give to someone in order to reduce their income tax


have more children, so when you have more children, they will your they will cut your income tax, it will lower down your income tax if sometimes maybe you don't need to pay income tax, if you have more children but it's all up to you lah


other than that you can you can have the


if you you have the funds to have a maid then you can have the maid relief, uh all these lah, uh you can do donations all these can cut down your income tax


should I should I DIY or get a financial adviser to plan my to plan my finance uh, if you want to DIY you must have a lot of knowledge uh you have you need to understand about more how how to do this and how to do that


then you can DIY uh DIY also can can cut on, your your your your cost to in order to to, the fee ah to pay your financial advisor but if you, do not have that


ability to, to have more knowledge and uh, read more so I guess you better engage a financial advisor, so besides paying him rent but he can explain more to you and he can handle your account really well


so it all depends


okay do you have the okay what can you do to earn extra income or to improve your income level uh you, can have an additional job, uh you can have an additional job uh


or maybe uh you can uh find a better job with a higher salary just to to increase your income so normally this this is a norm lah


okay do you have the habit of saving uh I try I try my best I try very hard monthly but


err once awhile okay lah but, you need to really uh force it to to in order to save ah, but, for me uh


I always disturb my savings lah, so it's difficult for me to save, so uh, arrow ya


okay so uh your advise that you would give to you in five yes uh for me, uh I must really strictly uh, put some saving lah, even though with a small amount I need to start


for my future and then uh, if I have a good opportunity to switch job, with a higher, better salary, uh I would do so,


uh but with our age right now, and with the economic err issues outside, so it's a bit, uh it's not a good time right now, so just uh stay with what you have


just try your best lah, what about what about what about you


, so uh so you you would say that you will you will save more in a in in in five years time


what do you think


so you would do a uh uh so-called the forced, forced saving lah you force yourself to save is it


maybe what do you think about the fixed uh fixed fixed deposit fixed savings, will it be good to you, really good for you, ah


ya, ya you can save it there lah but once you got no money also you would you can


forced to draw out the money , oh, ya so I guess that's about it lah for


ya, oh okay uh, maybe for for these five years ah I would like to to to to to teach my children how to to save their pocket money to


uh ya, so now we we ah we start smaller, well we tried but we we cannot so but we can advise our, kids to do so, teach them ah ya


(ppc) how to save money all this


(uh) ya same for me also correct


okay, describe something you watch or read that give you goosebumps oh of course of course lah you you you always like to hear uh


uh horror horror stories right, so this one can give you goosebumps, , ah


uh probably


this kind of uh podcast a bit draggy uh so I don't find it, but okay ah nice okay to hear but it doesn't uh I don't get the feel ah unless uh


unless you see the real thing lah then uh then this one can make me goosebump uh, no no uh things that uh if I read something that for me uh


like real real life tragedy ah like plane crash all these ah this one can make me goosebump, , the real real life lah other than that I just find it fiction lah, ya


this one, can uh earthquake can be uh the whole building collapse uh like uh COVID nineteen, cases starting part ah can give you goosebump ah but after that , ya it's normal lah when you see a lot of people dying ah ya this problem


uh , so uh describe a time where you feel that you have committed something gravely wrong and there is no way you can get back up and start over, ah for me


like uh for me if I think if like you like overspend ah overspend your


uh your your your money ah, ya you overspend ah then uh, this one will affect me a lot, because I do not have any extras to to recover, back the whatever that I have spent, the one that I have spent wrongly


uh so, oh ya can can can be, , uh


not homework lah uh, uh because it's something that things that you need, especially when you have a family ah like your children they need something lah so


so for me you if you can, can just I mean if it's really urgent ah you have to spend on it and you and you just have to, pay for it but then then I will after that then you will feel that oh how to recover back this money ah uh that's when when you spend wrongly lah


but it's always got a win-win situation lah when your child did it but but using part of your other money


describe an event that made you very angry, what can make you very angry


for me is when uh for


my work ah if you already plan something nicely ah for the next day job, but then uh when, when there's some when you found there's some changes by other people ah that doesn't seek your


consent ah approval or consent or no no discussion at all ah, uh this one can piss, uh this uh this one can piss me off ah, so this one can make you very angry


, waiting for me to scold only to scold them , ya so so what disgusts you


ya, same lah uh, it's for me the thing that disgusts me is when because I'm a non-smoker ah when you go to a public toilet


then you see people, we will just enter a cubicle which uh, people maybe have just used a few minutes ago ah but you can smell the the cigarettes cigarettes err


ah this smoke is like ah ya, !wah! this one this one ya, ya that's why I don't like don't like the smell, so disgusting


uh very very disgusting, ya correct and then uh be among, people who smoke ah uh but lucky nowadays uh coffee shop they have the smoking and non-smoking so people won't smoke they will just go out the other side lah


I always sit far from them ah I don't like ah, so this one will disgust me ah


yes okay, so what is an what is an issue that you feel upset over because you feel the world needs to do more about it, !wow!


well I I I I don't have much knowledge about this so I don't wish to talk about this uh


in a post COVID world what are the some of the worries and anxieties that you face !wah! it this one in a, COVID world what what are the some of the worries of, us ah our our jobs ah, our jobs uh security


ya we have no insurance one


, anytime ah the the company that doesn't make uh do well can just tell you I mean anytime lah anytime when you just come to work they just say that, oh we are not doing well ah lately we need to let go all of you you know that kind of thing so when you go to work ah you sometimes


you will feel you will feel this when you know like your company doesn't know so well so, uh is is always uh you run, uh ya, to leave lah to leave ah


yes correct correct


, oh you mean you you can ever know who is the carrier right, okay this uh


okay so we just do the minimal lah, minimal or what we just do whatever the that that was asked to, we to to, do be I mean to to to practice uh


ah, , uh describe a a time when you hurt someone's feeling uh


for me uh, when at work at when my my my job, in my job ah this one is normal you always hurt someone's feeling and uh will uh people will always hurt my feeling because, of my job scope ah because we


it's ah yes yeah in our work ah is is is is normal lah it's normal, but then uh after or like one hour later then all will be back to normal lah ah okay ah kiss and


make up because we we know we know what what is it about, we are in this industry ah so this is normal lah sometimes it can be as


ya ya ya correct okay uh what uh frustrates you


when is the time when you feel you it frustrate you, then it never happen


oh, okay


that means something happen on the day lah, on the bad day


so that one can Frus you ah, okay describe the time when you were unable to help someone in need uh this one always lah, for me ya


financial lah uh, when, uh ya I have few friends uh who's always sometime calls me and ask me whether I can, loan money all this ah !aiya! ah but then they actually they do not know that my I'm also having this this


uh I mean, not financial problem lah I I also not enough, ah not enough but, but listening to their stories, is sometimes uh lagi worse lah make you more sad but if, I already have I I I I I I can give


but sometimes I also do not have, uh so this, uh really my lah so uh,


but only maybe for I I think only maybe for for women lah they like to pour out I believe but for men they don't want to show ah, so they just ask you lah eh bro I can you know I can, uh because sometimes they ask ah


alright


so that's where the thing lah so this is, that time I unable to help them lah, so what is your greatest fear


, I think I think this one also same goes to me also lah


true I think it's same goes to me also, we have fear to have, uh part of your uh when if you are not around then what is gonna happen, because all the while you have been doing things for them


so what if let's say one day you cannot, you are not around then, uh it's like like a normal timetable like you always do this for them do that for them then, just one day you cannot do it , !wah! that's my fear


yes true true, ya that's about it


describe a travel experience that left you in awe oh okay, uh


okay uh travel experience that left you in awe ya when when you, when you travel with your uh your uh with your family ah uh


because this will this will leave you of course you will be very happy about it lah which has uh some uh what you call that uh memories in your life if uh it's a good experience so with your family


uh what about you


oh so you uh you went out for the game right, so what what was the biggest reward you had ever received after doing an awesome good deed


biggest reward uh, not much of value


ha ya like what you said good deeds yes we we we did a lot ah but, something that we can't remember also but the reward is uh, big reward like in terms of monetary


there isn't ah uh no I don't have ya, but maybe, maybe uh a good relationship after that, ya and the relationship continue as if that's the the reward lah


describe an experience when your faith in mankind was renewed, when your faith in mankind was renewed, describe, an experience when your faith in mankind was renewed


not that I can think of describe an experience when your faith in mankind


what leads you to experience an adrenaline rush of course ya, when uh, when your son or your daughter is uh facing the big exam right in their levels, !wah! so that's where the adrenaline rush


will come lah before the results so uh but after after you know all the results then all will be good already, it's always it's always that, ya


oh okay, so what was the proudest moment of your life


uh when of course when you have uh, when your your baby's where you have a uh when you when your child is born already that is a proud lah that is a proud moment


usually if whether it's a boy or girl for me uh that is a proud moment for me, I'm the happiest, !wow! is it so about the same


okay so what uh what amazes you


what makes you want to be alive oh okay uh I have children I have wife I have parents that makes we wants to be alive, uh so I've to make myself healthy (ppc) so that I can be alive


oh so it keeps you uh be more stronger right, so what is a skill or an ability that you are secretly proud of having


are you serious oh really mean it a skill maybe you can cook so that's a skill what right


alright


ya for me uh I'm proud of because uh I have uh, I can uh mingle well with people uh I can uh coordinate well with with people so that's part of my job lah, so with this skill then uh


I can survive through my career so this is the skill and the ability


describe your favourite activity to unwind and relax, , for me is uh to to to be home ah after work, uh that's my uh


that's my best activity and to be around with my family , some things for me to unwind and relax talk to my children uh have a, small group uh small group discussion with with with the kids


uh that is what I like to do most, ah yes, that is it still uh still keeps you going until now, so


oh so that means you don't like your family to to go window shopping with you is it, oh okay


ah so, what is the, what was the happiest moment in your life


for me uh, happiest moment ah is eh of course lah of course you have to you love to see the success of your children uh day by day uh


they ace through the test the class test or whatever, test they have in school coming back messaging you saying that uh they are, uh they have passed with, good grades uh this is the best this is the best moment ah


so what are you thankful for for me I'm thankful with what I have, uh even though sometimes is less uh, so with a average life uh I'm


always thankful lah with what I have but but of course if uh if you have you can have the chance to have more than that, it will be good so you can double thank, yourself lah but so far I'm I'm I'm I'm I'm good


, ya, what are you thankful for


ya agree, uh, okay what is your oddest or most unique compliment you have ever received have you received a compliment what is the odd


or most unique compliment you have ever received have you received a compliment before, is it unique


, ya I think it's it's the same for me ya it's the same for me also ah


compliment is just a compliment lah just say that eh you done well, so it's always like that lah you done well keep up the good work, uh, thank you for your service uh do more better next time


so it's it's it is a compliment lah, or they will give you a cake or they will give you a cake and say ya, thanks for everything so it's a compliment too


maybe uh, monetary, money people say thank you then give you some some money then uh that's also giving compliment ah but, this one eh when comes to money very


it is hardly lah it's like once in awhile, ya when, when at work , people will just say thank you uh like what I mentioned earlier it just like that or you receive a an individual email ah from your boss ah okay uh that's good


uh something to to be uh something to be compliment lah they compliment you well


so what was your best birthday present and why for me my best birthday present is I don't need to have a present lah, uh, just to wish me happy birthday in sincere is is really good, uh I I I I never ask for any present


, for me happy birthday is uh is is good enough, when uh but uh ya birthday present ya and why ya


yes , so uh, what is your biggest blessing in disguise


oh so it's it's like, ya it's like what you want you you you want something but you never get but, uh you state maybe one of your


family members get it so it's like blessing in disguise lah you don't get but the other person get but since, it's still part of the family right it's still it's still it's uh it's it's still in in in in in you because uh they are one of the family so if you don't get the other guy get so blessing in disguise lah


ya for me lah, my comfort food is uh, is a home food lah rice and, rice and uh some gravy and veggie fish or chicken that's my comfort food


ya uh, dessert uh only take fruit ah I don't like the cakes one I don't like


so you eat a lot of cakes you eat a lot of cakes and pastries lah, , excuse me


, so who do who is your life that you look up, to most and why


who do you love uh no who in your life do you uh do you look up to most and why


[oh] okay [oh] that's good that's good to hear for me ya


cause actually my parents have uh savings account for me, one is I was under OCBC which is like the mighty savers account so what I means is that I have a


uh account on my own, but then it's linked to my mum's main account and she controls all the transactions and, the money that goes in and, out of that account lah, so I've, migrated from there but now I have a frank debit account which I set up on my own ya


it's OCBC too but then it's totally different from the, savers account that I had when I was a kid lah, the age limit when you go


into that uh mighty savers account so I'm, sure it's I think when you hit twelve you have to either migrate to your own savings account like a normal, account or you can set up a account like frank lah frank was very new, in the sense that it has uh


uh you don't have to pay yearly uh, ya other than just like your normal transactions lah and then you get uh the, rebates which is like one per cent depending on uh you know the merchants like online merchants lazada


and grab, uh gojek kind of thing so I thought, that that was like really attractive


when is, a zero zero-per cent initial deposit so you just visiting go to the branch and set up the account uh, ya it's free and then , they don't have actually like fall below fees like uh certain bank accounts when you fall below a certain amount in your bank they will have to charge you a


fee uh ya so we don't have that like zero-per cent and then, the zero-point-three interest rate which is like pretty, good I think


I think most people would be like more interested in the cashback cause like it solve lazada whatever you know and then we like, do a lot of uh


ya it was linked to your bank so uh but, then there's there's always a minimum spending amount that you have to hit before you get that percentage back so for my case is uh I think it's four hundred dollars so you have to spend uh, or if they have like specific amounts for the certain online merchant as in like uh


zalora like hundred fifty and above then you get like how many percent like kind of thing, but it's going to be ya it's going be label as cashback lah


ya I think it's very interesting to our our group age actually like uh, uh cause we spent a lot of money right but then we never getting back, actually right I don't I


don't really know anybody who, well not anybody lah I guess one or two people that, does uh investing uh, uh I mean if personally I don't nah


uh looks like a different account for, investing like you can you can have a online broker where like you give a certain amount of money and then this particular person which is called a broker does your transaction for you or like, uh observe the stock market


right ya


okay, I've actually thought about uh investing uh, uh funny story that my mum actually, uh, tried to put me into investing like a few weeks ago she invested like two hundred dollars uh to this online broker but ya I think I can partly feel in the sense that uh


I didn't have the sufficient knowledge to, you know kind of go through with it and I ended up like chicken out , ya, because uh when you, invest in something like that is ya, uh you have a


chance of always not getting your money back lah that's that's the point of investing right so you put in a certain amount of money


uh actually certain certain companies with, uh have a minimum when you're talking about uh online broker, they have certain guidelines for you but then certain companies also don't, really have a minimum, so they will just work with what you have, err ya so


what they do is they take your money and then like they buy stocks and then depending on how well the stock could do in the stock market then that's your dividends that's that's what you get back lah at the end of


it will work in, you might have to consider, your uh, uh like a sizable income before you even think about investing think that's the one of the points ya


I mean okay the rich people thing what what do you mean by that


maybe uh similar like you they don't, (mmhmm) will you have their, uh knowledge to it go it into it ya but I think, feel like uh, I mean you can buy shares as long as you want a few, cents one dollar even would I, buy eventually ya


I think of it it has uh I mean I have have to, will kind of go through the some courses or like educate myself before I go into it but I'm pretty sure I would uh just because the return the return is quite great if uh


uh you prove successful you know managing your transactions and following with, the stock market trends and you know if you are willing enough you can do like market analysis to kind of see uh where your where your stocks are going at the end of uh each financial year and depends on the company that you kind of choose to


game, I mean it's it has the same uh tones I guess like you kind of invest a certain amount of money to get a greater return right and, ya but I think it's more educated in the sense that you are


you know what you are getting into it's not just like a game, depending on how much you invest and like, it's stretchy right so you invest uh


let's say like a one hundred shares uh of a hundred times one dollar shares in this particular company, then another one will be like uh, total of shares then depending on, what the company makes for that year then uh they will uh set aside a certain amount of money to give back to those shareholders ah you kind of become uh


partner of the company like a owner of the company they would say when you buy shares


uh least work ya basically you just invest and then like you'll wait for the result you know it doesn't you don't really have to ya unless you are, uh more pro at as in uh like taking out stocks or


you'll you, like stop certain stocks to invest in other stocks


like like certain industries


so you trust a bigger brand


do you think that's possible


uh uni uh roughly cost like how much is the loan that you have to take


you haven't talked about like property loans [orh], you know anything above that


you don't have a credit card right now, right, ya same I'm doing using a debit just because I think it's easier to manage my, money uh, I think if I have a


full time job then I would probably have one credit card just in case lah


you like, not you're not like confident with the finances right so would you like uh have a joint account with like your future husband


house meaning all the electricity bills and


who wanted to say you joint account credit card debit card


or like the different joint accounts that they have cause I I guess I haven't thought about it


(ppc) okay


but I think once you get into, once you get into that stage of life you would have more money to spend and more money to, kind of take so naturally in within it's going to be in within the thousands I'm sure so


I think, when when I was, just started to happen we didn't know what was coming like


, how massive of an impact it would be on our lives I feel, that day it was very sudden but, then you couldn't help, but like go through it right because everything's happening and you can't really stop the experiences so I think


when I first like got to know about the news and stuff I thought it that it was going to be like, the normal kind of like, a health pandemic like, uh nothing to do with us kind of thing and, uh I was like trying I guess I I think I was trying to not


panic in the sense I just like kind of when you hear about all these things you kind of like detach that feeling, so that you don't you don't get overwhelmed by it right as uh, in at least for me I don't want to, overthink it or like get overwhelmed by the feeling of that


like oh it's like too big for us to manage kind, of thing so that's what happen for COVID, then the things started to, happen and then uh, uh those like physical changes that you can see right like so when you started to work from home we started to


not see your friends and family, and then that had a big impact on me, lah uh mostly negative I guess because like, you'll kind of, go through this phase of, like uh everything was like okay until that point and then suddenly everything started to change really fast


ya I think, that uh in in COVID the things that I was uh


kind of afraid of or like, some of my fears of being uh, one of the fears there is that uh, uh always eat me it's that isolation or like, the fear of like, having to deal with uh


uh a problem that is too big for me to handle like I think or like feeling out of control uh it would, those kinds of fears uh was like really heightened when, COVID hit because it it manifested it in a way that is like physical that you can see and uh uh


uh for example like you stay at home is like, physical isolation right and uh you'll kind of, let I kind of let the thoughts like uh, uh negative thoughts like overthinking and like, anxiety fill me that was like


a really hard time for me lah and not only that you had to, kind of set those aside to kind of comfort your loved ones in the sense like to make sure that they are okay and, like they are not going through the same things but then at the end of it all I I think that everybody has to go through that just because it's such a large scale world problem right


ya I think I'm going through the similar thing cause I'm actually during my internship and my internship term is supposed to end in two weeks and


the other day and when I was talking to my supervisor she kind of uh, like asked me if I wanted to extend for another, three weeks into september , because I'm actually working on a big project and then that's when it ends since it's ending in september lah the closing and I kind of


like I'm like going through a crisis leh, I don't know whether to, go for it and like put other people's feelings first or like my team first because I know that once I leave they all will have to, kind of take all take on all my responsibilities and tasks right so I have to like hand it over it to them


and like they have to handle it within the team, and just because this COVID thing is hitting really hard we everybody's working twice as much and if I leave then like my teammates will kind of like suffer the consequences lah


ya then uh another but another thing was that, I I realise also that I don't, I don't get enjoy what I'm doing and I'm just doing it for the grade right my internship is graded right so I feel like I'm just like doing the the best that I can and there was like multiple moments in my internship where I felt like


I really want to quit or like I really couldn't do it anymore but I still kept going because I know that it will have a lot of impact on other people not just like myself ya and then, right now I'm just like facing that that cross road again so cause


do I put my own mental, health and like my well being first or do I, like another point of it was that uh, uh there's always money right so if I can if I can, get the money then I would you know uh


kind of like lightened the burden on my parents or like kind of help my siblings pay their school bills or you know stuff like, that cause it might not be a lot right now but it may feel like a, lot in uh in the near future


you know I, ya I guess I I'm like, going through the process of thinking about it, and whether like, pros and cons but it it just boils down to one question is like do I put myself first or not kind of thing


ya it leave circle of room for misinterpretation lah, and miscommunication in a sense like uh you don't know the other people's intentions because they're not able to translate that , the way they usually do will just like uh, body language and like the tone and uh


uh maybe their uh physical touch or, like being in the same room even the position that they're standing there sitting kind of things it all face a part ya


I feel that too I mean like people, I have feedback about me that I'm like really cold


over text or I don't I don't like sound like myself kind of thing that's just because like it's just easier for me to emotionally uh detached from, you know because you don't you don't see the person in real life and you don't see the reactions that the person has so you just like seeing a screen so whatever that is your first reaction is the reaction that you give lah and I think that


would become reactive in a sense ya


I think that's an issue that, like people need to, focus on like uh, just make it it gets normalise the fact that people need to take a second to you know


calm down and like, collect your thoughts and kind of plan, what to say not really plan I guess like just think about what to say because they, want that instant reply right like what what are you going to say next [seh] kind of


thing ya ya, and I think a, lot of people don't don't realise that that that, particular silence like right after you say something is not really bad it's just like giving us time to think about it


ya because, like uh there's an issue that a lot more people need to be aware of, like I guess like social cues are being aware, that like not a lot of people can deal with, that or else if because maybe because of certain backgrounds or certain things that they've experienced may be trauma uh you know


especially like if like post trauma, you don't really react the same way, that you did before on a, specific on reflected certain topics and stuff I think there's that should be something that uh, like schools and uh


go went and like uh more uh mental health awareness, needs to be built up on that, they should be normalised right like the fact that they exist kind of thing


that and I I don't know may be just me but I feel like, there's more uh mental awareness that's going on with this COVID thing but then part of me is uh, reluctant to, kind of accept those initiatives and stuff just because I feel like some of it is just


for show kind of like oh you should oh you should keep your uh, keep your mental health stable, and then like uh, uh be you know, mentally healthy and whatever not but then, are we really like taking the steps to kind of provide that environment for people to


and I I hate it that the that big companies use that as leverage right


now I kind of like uh, uh resent the fact that I see like infographic saying like oh you should just make sure that uh


oh your your, place of residents or like your workplace is like cleaned, or organised, then you could you should clear your head or like, you should like get a good nice sleep get a good nice sleep I'm like I don't know how to do that


very on the surface kind of thing


uh, uh ya I think , let me see uh


a travel experience that I feel I think the, the number one place that I have been is japan cause uh, uh it has beautiful sights and the culture is really immersive and you feel like you are in a different world when you're


there uh I met a lot of friendly locals and uh, uh try a lot of yummy food and it was just like a, sorry uh, uh ya it was part of a


a program that I was, involved with so it's it was called genesis ya and then is basically for peacemaking so japan has a twenty-twenty vision of denuclearisation in the world as in


uh they would want to, stop uh having nuclear weapons so I was there, as a singapore ambassador and, there was like all the asian countries so they sent like delegates from each country malaysia indonesia brunei timor-leste all those and


uh we got to like, youth participate in this program I actually did a, homestay over there and, uh disney, this sweetest grandma her name is Sano-San and I still keep in contact with her today ya she just wished me #hari raya# yesterday I mean I don't know I don't know if she knows what what it is is


specifically where she did on facebook, ya uh when I went there, it was like a cultural experience so we got to see like museums and, we got to see, we got to see Sakura blossoms which is like really rare at that point because


actually it wasn't supposed to happen in that time, period err, but like we got really really lucky at this at this like Anime there was like a bunch of trees and it was like blooming already, so it's like, pink ya I remember that so vividly I think that uh


uh it was like a surreal experience in the sense like you always see this kind of moments in like movies and, TV right, but then when you are actually there you have to stay what is life


wait how old are you


I should bring you out more


uh the part about experiencing uh, like going overseas is the people there and there's this like precious moments where you, feel like times kind of stop and then like you're, you're like contemplating life so one of the moments I think I told you this part then one of the moment is that uh we were on a bus going


somewhere that I think going for lunch at, uh japan with my uh, so called japanese grandma and there was this baby on board with her uh, uh cradle in his mum's arms ah who sit care and then he couldn't stop like uh smiling and laughing at me when I was like looking at you he was like super cute and uh


my uh, the sudden I'm in like uh, turned to me and she kind of like uh, cocked the head and then she said like oh, uh, maybe maybe he knows you like the baby knows you and then I said like !huh! what do you mean


uh and then she was like, oh uh, uh maybe is the baby's your friend from another life, and I was like oh my god that's so cute you know I mean we


I, had okay I think I, have a crazy story about like instant karma so I was in I was in beijing china and uh, actually I found this wallet uh when I was going through a tour so I found it on the ground and then I just like picked it up and then there was like money in it and then I just give it to like


the tour the tour guide, uh so the tour guide kind of gave it to like the security at that place so we, were doing we were, at this snack place like taffy factory ya so, like that happen uh


uh earlier in the day lah it was like you know, morning then later in the afternoon we went to this jade jade place so like, uh china has like a lot of uh production for jade right and then this particular place was really


kind of like everything was expensive and shiny and like pretty ya, so uh I actually ended up, losing my wallet over there I I lost my wallet like uh, uh legit it was instant karma and then, I


I kind of like uh like the, employees were like trying to search for my wallet because we uh we uh we ask them to help us search lah and then like it, it turns out like this little kid like has found the wallet, and then like it was really cute and then she she just like handed it to me it was like a it was like a small coin pouch like a bear


print ya and then, actually the, I don't know if it's like the timing or what but than the the one of the owners for the factory itself was there and then uh he and he kind of like took notice of what was going on because he asks I mean I'm assuming because I couldn't I couldn't verify because they were talking in chinese right but uh


uh ya he kind of like asked what was going on and, stuff and then like he talked with uh he talked bad I think that, like uh because of that I had a bad experience, and then uh, uh he actually like uh hosted my family like he took us in to this room and then like he showed us all the kind of like rare artefacts and stuff ya


uh and then uh, uh he actually gave me and my, uh sister like, a jade earrings to like kind of compensate for the, uh ya, and then I was just like !wow! like I I, can't help but think but back at that


the first the first thing that happened in the morning cause I was like, what if I going to kept the wallet then maybe something bad would have happened to me , but that's, like instant karma


yet ya


I think I've been pretty lucky in a sense that I


had all like a lot of moments where like uh I feel like, I've impacted someone's life in a, way positively lah , and this impact the mind, in the same sense and, ya I get what you mean by uh kind of like a personal


connection and goes a long way and the fact that I can remember all these moments in my life but this this been like years and years ago so ya I mean, I didn't understand (hmm),


definitely makes the memory stronger right when you have a emotional connection to, a memory


how ya uh I was like thinking cause I was talking about like how lucky I was right, how do you what what's, the luckiest that you've been in your life, eh , I


think that was like uh a


because you'll see it are there then, other than many people


ya I think it's not more for like uh getting the job because getting a job I feel like it's a combination of your own effort and, then a bit of luck but mostly your efforts ya


but I think you are the team you can't choose your team right


what I have uh, I have a lot of uh lucky moments actually I think I'm I'm, quite blessed in the sense that I get to experience a lot of things that is out of the norm I guess, ya uh, I have


oh I I actually went to, a the concert that I won remember when I went to australia, so ya ya, so I I were I, then it was like I was planning for my brother's birthday and uh I didn't know what to get him and


uh it so happens that like his favourite rapper and eminem was uh actual performing in australia around, that uh because in that time, uh it was december and then like the concert was in february and then just so happens that his his birthday was in february lah so there was this online contest and I was to stay you know for uh shits and giggles just you know let's let's just uh see what where this goes when I apply


lah uh, he he also applied and then his girlfriend also applied the same contest and I actually delayed my, entry to the contest until like the very last day cause I just remembered and then I, was like okay let's just just see so the


contest is like uh kind of, describing uh like the concert experience in one word kind of, thing , I honestly don't remember I


I think I I spent uh, of a good like half an hour just like trying to figure out us a certain word uh, uh ya, but I I entered and, then sorry


it is one entry it's one entry ya, ya so, I only got the result, like uh in early february and then like when they first gave me the email


I was like is this a scam I I really thought that was a scam I, went to my I went to my mom and then I was like is this a scam later like I ran my brother and like showed him that, email and then he was, like no way like no way


uh, uh then I because, first raised that sceptical I think it's just a singaporean thing like we we don't think that we uh deserve nice things we we kind of email back the, the the, the whoever was posting it was uh ya as a ticket company lah in australia we emailed back to them and then said like oh uh can you like have


proof , or say something like uh we research them up online and like called them just to see just to verify that is, real and it was so, we like, it was like really really uh hectic because we had to like pack our our stuff and then like uh


uh it was like within the same week so over there like for three for three days if it was out for three days and then, the first day that we were there that night was the concert and, then it was like the day of the concert was on his birthday, ya


I just felt like I, think nothing can beat that like I think I have to use up all my good luck in that year for that particular moment, ya they paid for like the hotel they paid for the hotel which is that really nice but I already had to like uh fork out all the money for everything else lah


but ya, flight and hotel and the ticket lah ya, and it was it was really good sitting and we were like near the front


I was really I was really lucky because we didn't get into the bulk pit oh my god that was like people throwing beer and like really drunk and high it's like a, failure so they have no restrictions on that, and them like !woo!, we were ya we were at the sitting area


I think nothing can beat that like, it is the luckiest I've been like I didn't even plan for it but then everything kind of like aligned


oh ya actually you already good at that like you get really lucky on this


(ppl)


part one financial related topic


okay uh shall I start okay so, the first question on the problems was do you have a savings life I think everyone has a savings account, I know I had set I had one I know I had one set up when I was small, but I think it's like the same account that I have now


are you using the same account when you were small for like from when you're a kid till now


this OCBC too right, already what's the day wait what's the day isn't it just move, you put money inside


okay


oh that's cool okay I should do that I think because mine still okay I don't think is the same kid's account as when I was small but it it's still like the same account that I've been using like my whole life essentially, so there's nothing interesting about it it's like I think it's a for my it's a point five point zero five per cent interest interest per annum so every every year I see it's like twenty cents increase which is kind of sad so I don't want to set up like a more active


savings account so I'll be reading on like sibley and stuff, like, I think for students there's quite a few options, so there's like the CIMB fast saver there's I think DBS no DBS multiplier is for like working adults adults you need like ten-K per year or something I don't I I can't do that but I think the one that I saw that I was interested in was like the standard chartered bank jumpstart


or something like that the account is called jumpstart lah and it's like it's it feels the more or the least like though it has the lowest threshold, so there's like no minimum deposit it's like I think it's the same it will be the same as frank it's like one-per cent interest per annum


and then there's like cashback and stuff as well so I might I might switch to it I think, but I don't know I haven't I haven't like fully read the reviews and everything


I think zero point three is good I might I might switch I might go look that up later


I don't really understand how cashback okay wait okay I know the basics of cashback is cashback is that for every whatever whatever you spent you get like how many percent back, but if it comes to banks how does that work like does the money go back to your bank


(oo) okay so it just it goes back to your account, okay okay that's kind of cool okay, (oo) alright alright, so it's just delayed money back uh that's all, sound that sounds fair enough I might I might go look into that ya


, [orh] ya investment confuses me


I understand the basic of it's that you give some money and you hope you'll get some money back but that's about all I know about it


oh yes investment, ya , I don't think I would want to invest just cause I feel like you need to have, the knowledge right like this one I always hear ah they're like, when you invest you need to have the know-how and like


the tips and all that and I don't think I know enough for that honestly I'm just going to leave that to like if I get married I'm just going to leave that to to my partner


!oho! oh so you didn't invest okay


are there minimums for investing do you know, are there minimums ya like a minimum you got to invest a minimum of two hundred


bro this like dividends eh okay I don't know these fancy words, I think I'll just I might just go stick to like a high yield bank account if I can, like in the future when I have money, to yield but


ya I think between the two I will rather, I will just use the bank account, just because I feel like it's it's first of all safer, and then I do think that investment is like a worthy like thing to think about but it's like you shouldn't put all I think some people use like their investments as like savings also right it's like those multi-plan things


but I don't think I'd want to do that because that's too scary, like if I did want to invest, I would like have some money in a bank account like just to grow and then like I have some money for investing but I don't think it should be I I I know some people like they see as like one thing but I don't think I can do that


ya I feel like investing is like such a such a rich people thing to think about


I don't know whenever I hear about investing it's always like, businessmen and above you don't hear


you don't really hear about, like, coffeeshop uncles investing


I think I want to I just


oh my god , ya I always I used to think that like investing was like a lucky thing I didn't know it was like a skill thing to like quite recently


so I never understand I thought it was like gambling


(uh huh) uh ya I think so, oh ya that's true is not like uh you throw in hundred you'd you might never okay that's true that's true


okay okay okay ya I think I understand that I understand like the concept of shares in like a mini part of the company, ya I think shares if I did investment it'll probably be in like company shares, because that's the one I understand the most, and it feels like the most basic


and also if you know how to pick your companies right it's also kind of like brand list work


all orders like ya , I don't think I can do that, and then but like it's so hard, uh, I don't know what's the most like secure apple


I think probably tech if I were to invest because I feel like tech just constantly growing like there's no there isn't really a downfall in tech it's just what kind of tech, I going to look at I, ya so I was thinking like the most basic will probably be apple and then like


like just those big, brand names that I know of, probably with samsung, and all that but but I feel like, ya I don't know I feel like investing is like a way down the line for me just cause, I don't want to


go into like, into that risky situation unless I know I'm financially secured so for example if I got like any any loans or I owed people any money I wouldn't want to invest till I've clear all of that first, you know I don't think I've


I don't think I've taken a loan before but I probably will, for uni which means I have to clear that, before before I start any investment or anything, ya uh I think, my dad says that this tuition loan for uni I don't know if I apply cause


I would be applying as a part-time student not a full-time student so I don't know if it still applies to that, but I do hear my dad talking about it like cause he's working from home right so he'd he talks about it to his customer, and like I think, the interest rate is really really good like really really low if you can clear it off in


the first, year or the first five years it's like either first year or first five years but I do plan to like clear it out within the first year if I can lah like if I if I take a loan, would you take loan I don't know, I hope so


I think , I have to look again I think if I'm not wrong for part time studies it's like, an average of, ten to twenty k, so I think I could if I like I've already


started like saving like little bits here and there, so the point is to just like clear as much of it within the first year then if I need to I'll space it out over the next like three to five years like that, I don't realise how expensive uni was till I have to start looking at this


about twenty k, ish I think, how should I say ya the last time I saw it was like fifteen to twenty k for the part-time degree


which I think is okay unless I I stretch it out, err my dad said my dad said if you can clear within the first oh I remember now he said if you can clear within the first year, there's no interest, and then after that first year then there's like uh I can't remember how many percent


but I remember it was a single-digit percent, like a low single-digit percent, ya DBS, so it gets like lots of calls about it and people always get mixed up, with like the different loans that they can take, so actually anything for this our our policies go to my dad


and slack chat with him, see what he say, I mean we have to right like if we take if you want to buy a BTO or whatever we have to take a loan right from the government


so there's that but I think as much for school if I can not have a loan I won't have a loan, just because you know how bad I am with my finances , , so I rather not have that extra thing they'd think about, so ya I probably try and ya so that applies to like credit card as well I don't want to have a credit card but I do know that like there are some that actually beneficial


to you, and like some that you probably will need to have if like you want to do things like buy a car or whatever, you use debit also right ya


are you do you think you going to get credit card anytime like soon or ever


I don't really want to have record after you know my dad's history right so, we don't want to we don't want to repeat that


yes okay okay we've talked about this me and Saif have talked about this and like, we would have like a home, spendings account so anything that's like, house related, so we'll both pour into that, but he did say that he also ask me to have my own separate account


for like spending and I think he wants to set up one more on his end no no he doesn't want to but I told him that he should probably should, so he doesn't have carry cashier out, so because he's very into the he he's very into that religious mindset right like my money is my money where where your money eh my money is our money but your money is uh your money kind of mindset


so he's he told me that his plan was to put, all the house money in the bank account and the rest he'll just hold on to it as cash I was like, , ya so like bills the food the the groceries all that


so I think, I think joint account are good uses like you're going to have like one on the side you know, when ah, I think the joint account would, probably be a debit and then my personal one might be a credit depending


or either that or we would have, my personal would be debit the joint would be debit as well but he would hold on to credit, just because he's more responsible


ya I think uh for joint accounts we will probably just use the really basic one, you know, like just the savings account or like an everyday account if uh if we continue it to do with POSB


cause I don't think I feel like high yield accounts should be uh, like you shouldn't put your home affairs into high yield accounts, right because then you have to put you have you'd have to pump in and pump out a certain amount each month and like you just never you can never tell


oh ya that's true, ya but that's that's oh ya, ya then ya then we might look at high yield accounts I don't know man we haven't reach that stage yet , , we still arguing about who pays for what


, he hasn't let me paid for any he hasn't let me pay for anything since he started working so I was like okay


part three negative experiences, okay so we want to start with COVID right as one of the question in a post COVID well what are some worries and anxieties that you face


like, life I think


ya that's true that's true I think , it feels like COVID was when the world started going downhill, and, I think at first it didn't quite hit me


because you don't really see it right as in you see it in the news and you see it like on social media but you don't see it around you, so I didn't really know what to make of it, at first, and I think until now I'm still, quite detached from it I do have like worries and paranoia and stuff what especially with like the easing of restrictions that's definitely help in terms of like the anxieties that


I faced and my family faced, but there's still, quite a bit like to think about so , my manager was really nice she knows that I'm not coping well with working from home so she said like if you don't need to come into the office I'm more than happy to accompany you or like if you call me like once a week and I told her that I mean it's not that I don't want to work it's just the thought that every time I step out I'm putting like my family at risk so you know I've been naive to think about I've my dad to think about right


so it's like these kind of worries eats of me and there's also things like work as well, uh it was a big issue for me like, last month and a month before, because uh I was on a I was a contract staff right so I didn't I uh the plan was to extend and before COVID happen it was a really like a bit of a struggle to try and like fight


for me to continue staying on at the company so once COVID happen outside oh my god what's going to happen so it was I was supposed to transition into a full-time staff and then COVID happen, and then there was like a hiring freeze on my company and


and I think that was like one of my most worried this year, like I didn't know whether I would have a job and I would still have to continue because I did want to continue with like the extra module right for my school, so I'm like if I don't have a job how am I going to pay for that it's like five hundred bucks


so thankfully my manager did, managed to extend my contract not exactly transition me into full time but extended till december, so now my concern is that I do want to switch to a new job because I think this job scope is just not for me I don't want to do more content related


stuff and, I don't know if I'm going to get hired lah you know, so I know of, friend of mine has been applying for quite a few months already and he still hasn't gotten a job


so there's a big worry for me so, then in terms of I think socialisation I don't do a lot of it it's not really worries for me, when it comes to socialising it's more of


just being sad that things don't get to happen like for example like today is my birthday right and then like I wanted to plan like a birthday barbecue and all that, and it's just not going to happen lah and ya and that's a bit sad for me, so I mean I already face a lot of anxieties in general upon life


and I don't I just don't think COVID's helping with that and on top of that it's like everything that we've been seen in the news as well, it's just , a bit horrifying


like it's hammering to everyone, and like it's just, not help the anxiety like uh there was already anxiety before COVID and I think in terms of like post COVID world, it's actually made a lot of like these anxieties for me like a lot worse because it usually like when I'm anxiety I go to I can go over to you and I can like we can talk it out and that always helps you know and now you don't have that and it just a lot harder when you can't meet like face to face


I think one of my biggest issues that happened so far is as we were working from home I realised more and more that I'm not enjoying my job because it's my job enjoying my job because it's my team right so that means when you are isolated at home I just hate it I hate I hate the work that I'm doing


I don't like it just doesn't align lah and that was such a crisis for me because, for the good like three quarter of the year that I was in the office with my team I had fun every day and essentially I'm doing I'm doing slightly different things now than I did then


but the change was so drastic for me from working from home like it just made me realised like how much I really don't like clients servicing and and that was such a tough thing to to deal with you know because, I, like I love my team and I know my team are also short staffed so there was a point in time where remember when I said like we were struggling to keep me on the team there was a point in time where I was ready to like leave the team as well because I'm like I'm not enjoying this at all but there's always these things to worry about like


teammates like how they going to handle it and I think that would have been a lot easier if I could have like talk to my team about it like had a proper discussion and then like from there also we can also adjust my job scope if needed but just to not be able to have that face to face like it it's very scary and


you know it it's like kind of scary you had to text your manager like, I'm I'm not enjoying what I'm doing anymore


(mmhmm) ya, ya


ya I think that's like I think that's the thing that we we go through quite a bit right


I feel like this is not the first situation that we've asked ourselves like, is it do I do I want to put myself or do I want to put the people around me first, and I think with COVID like not, say with COVID lah but like with the situation that we're in it gets so much harder because you know everyone's suffering as well


so, it's just a big struggle for us like imparts and, ya fights get a lot harder as well, I think we've not being able to see each other I think ya of course I mean you know about those fights that I had lah and they are not


I feel like a lot of it could have been resolved if I could've just met the person and like talk to them face to face, but now with texting there's a lot of like implied tones and things that that I may pick up wrong or the person may pick up wrong and it's just


ya, (mmhmm), and, , ya


ya it's so it's a lot harder, and ya and, I think over text also I'm a lot


more I guess, sharper my tongues a lot sharper as well, oh because you kind of detach yourself right from the person so when you're angry like I get angry a lot you know you get angry a lot and then like when you flare-up, it just gets really rough so I know that I've I've heard people like especially when I talk to them over text like through arguments or like I say something that


not say that I didn't mean but, I could've I would've probably phrased it gentler if I were seeing the person in real life


I think I'm also like ya I think one issue that's recent from these as in it was already an issue before like the whole isolation thing but now with it it's so much worse and it's the fact that I can't really talk anymore when I'm upset like in real life


so I think you've noticed this like one, it's like like the other time when we're at MLT and, ya so when it comes to arguments and stuff , it's just I can't talk so uh whenever like me and me and Saif argue now I have to type it out and then I have to show him even doing in real life and I don't think that's very healthy of me but it just become the normal for me you know because uh I've not expressed upset-ness in like


so long already that it's hard to now, you know like, unless it's over text in over text like I also have time to like compose myself and like to think about what I want to type first


(mmhmm)


ya that's true, late but I can't do that because the next day I'm going to say is going to be a hurtful thing


you just need like gather your thoughts ya,


ya, ya I do I do think that that's a big thing I think coping mechanism in general need to be like a thing that is taught everywhere


I think ya, ya because uh there's a lot of talk about mental health now and all that but you know it's also like really hard to think about mental health when you don't think about everything and I know they can get overwhelming for some people


but you know these are things that you should on a basic human level understand and and at least sympathise with if not empathise with you know


ya it's become like a bit of like a trend for like companies and stuff to jump on and that's like


ya it's really bad, (mmhmm) and there's so much that, needs to be done about like this especially at this whole like coping mechanism aspect because now, we're all we're all shaken up right we're all coping in different different ways and I don't think like people understand that different coping mechanism may seem like like something negative to you but you do have to understand the person's position as well and why they cope as they do


oh ya it's like those like reduced screen time ya, I can't I can't sleep how am I going to get a good night sleep if I can't get past the first step and it's just, I think, I think that like makes me angry a lot because I do work with clients as well and I've heard these suggestions like you know first hand especially because I work with social media they're like oh we should do like a mental health awareness post and


as I'm doing it I know it's very shallow and I can't go in depth because it's one social media post and like I'm only allotted that one social media post , and I hate it you know that's also another reason why I hate client servicing because you can see how shallow it is like


I see it first hand how shallow it is, ya and, as much as I want to do more there will always be like restrictions and like guidelines that we're not allowed to touch into or we're not allowed to talk about so it's just like really hard for me right now


part two positive experiences, okay so let's just let's just go into questions for this one so describe a travel oh no that was not a good question start describe a travel experience that left you in awe I don't travel enough for this


you want to go ahead I knew you travel a lot


was this your school trip sorry, was this your school trip, oh (uh huh) okay okay okay I know what you think man


oh okay that's cool


I'll kill you, that's so sweet alan pearl


oh my god you managed to go and like that time period


oh my god bless, that was the bear, that was the wind ya


oh my god oh my god that's so lucky I think the only travel experience that I remember enough that comes to the closest to me in all, we're seeing monkeys in malacca, so the then


it was like a, verify because I can't count the number of travel experience it was like once with my family to malaysia then there was hong kong with the choir and you guys, and then there's KL ready for family, and those like real sums up all of my travel experiences in my lifetime we was supposed to go was supposed to go oh my god


okay when we okay when we when we graduate when you graduate we can go okay, but ya just like, I don't know I don't know I don't think that counts as in all but it's the most memorable travel experience there are just a bunch of monkeys hanging outside I were I was terrified


and and ya okay


, oh no that's so cute


hang , , I think there's like a there's like a a meeting right


like sometimes when, ya, I think that's like my biggest takeaway from watching avatar the last airbender also something similar, is like there's this , there's a hate canon going not, ya I just hate canon going around that like in your past


that's why I hate canon it's a belief I can't believe I use hate canon in real life ya it's a belief that like your past lives love, it your face is the face of your past lives love, so your face now is like


either the face or like resembles very closely, to like the love of your past life vinaya is a very cool concept, to think about , no is it disobey I don't know it's very sweet to me


I think that's that's like gotten me through a lot of like my insecurity issues like somebody fell in love with this monk, okay, and then , ya okay wait what's the next question, what's the biggest reward you ever received from doing an awesome good deed I don't I don't remember


I don't, I don't remember the reward is it cheesy to say I don't remember the rewards of like whatever I did but I do remember I think the reward for me would be like that feeling of goodness


so not exactly a reward per se but I guess that counts as a reward so like you know like you know there's this, marty at woodlands right uh she sits there and she like sells tissue and like whenever I see her I I I give her like two dollars or something like that and, to see her like oh thank you thank you thank you it's just very cute to me


ya the, but I don't rewards, I guess I guess the goodness of the heart is a reward in itself


!huh! oh,


oh my god that's so nice of him, this so sweet, oh my god


oh my god that's damn cool that's super super cool, ya uh, I want I want more of that in my life, as I said I do get, I guess I get quite a bit of good instant karma it's just that it doesn't manifest like physically


I think, I think for me cause I like I kind of get off on like get off on is that the term for it, I kind of uh, it's good for me to have good feelings as you know


and then, so whenever I do a good deed like it just makes me feel like fuzzy insight which I think is my reward so-called, I don't know if it's like an intrinsic thing or like a humanity thing


but ya, it just like doing good deeds makes me feel nice, which is I guess a a reward in itself, I sound so cheesy but I don't think like physically I've gotten any like reward rewards


ya maybe not yet but like ya I think, I the reason why I say like these kind of experiences is uh is because I think for me it has to be like a personal connection for me to have that good feeling


so like things like volunteering opportunities like where you do like mass things I don't think I feel it as much as when like, in let's say I like help, the #mak cik# at woodlands give her two dollars cause you get to see them you know and they talk to you and like this interaction


dementia may take my brain but not my feelings in my heart, , I think so ya ya I think, ya I think that's also how how like you ~ould feels cause


ya she has dementia right so she doesn't remember a lot but she remembers a lot of feelings so when she talks it's all that's a lot of feeling, and then describe sorry


ya, when I met you eh , , no , that was peak luck for me,


I think honestly I think that actually is the luckiest I don't think I felt, very lucky, but it's more of like when I reflected back on my life then I realised how lucky I am you know what I mean so I don't have a luckiest moment, but I do have a lot of lucky instances that I can look back on


like meeting you meeting meeting like the people that I meet in general, and also like, getting jobs that I applied to, like it just these are all like good things to feel lucky about, but you don't really realise it in the moment you know because maybe you're stressed about the whole thing or you don't you don't expect it


kind of things so I think, I feel lucky all the time with you in my life, , uh, other than meeting people


I guess, ya getting getting my job that was pretty lucky and I think I think, uh not so much just getting my job but getting like a good team, because I went for a couple of interviews right and for me to be able to get the job where I can vibe the most with the team like literally be bestie with them that's super lucky for me I was so happy when I got that email


yes yeah so it's like, ya


so it is I think very important like I think ya I think at the actually all my lucky moments have to do with people, getting buddy even like the the team thing I miss it is my team, so it's not really like a thing thing that I did or got


where it just the people in my life made me feel really lucky and happy, , it was the jade thing you are luckiest, would you have lucky or


oh ya ya ya ya ya you went to oh ya oh my god that was really lucky oh my god I didn't think those things were like


so yours was that entry that one was it like one entry that wins or like is it like top something something wins, oh let me, see you in battle, you were the chosen one


verifying, oh my god


oh my god that is the luckiest oh my god, you pick ya that's


like expenses but I think that's fair they paid for your your flight and hotel is it, and the concert oh my oh my god that's amazing, !huh!


oh that's dreams, oh my god okay, but you were like closed


like it fell into place like perfectly, I think, ya I think I'm hoping that I get like a lucky moment like that at least once in my life I mean, oh no I think my luckiest moments are when I win the the claw machines stuff


online, I just want to mah, ya I I think that's that's those are my luckiest moments this year, I mean other than the whole like being grateful and like I'm feeling lucky for like the people in my life like in terms of like physical things that says probably it


like you get that massive adrenaline rush (ppl), (ppl) like when you really acts like my god my god my god that was like four A_M in the morning I'm going to stop


financial part one related topic


okay so sean do you think investing or trading is similar to gambling


uh actually I do agree with you to a certain extent like I feel like investing and trading requires more maybe, knowledge and maybe studying of the stocks prices and maybe history or historical data, but I feel likes to a certain extent as well it's kind of similar to gambling cause gambling is a very high percentage of luck and I feel like sometime investing and trading


you can't really accurately predict what's going to happen in the market like there is a certain extent where you have to leave it to luck as well to see if your prediction is correct you nobody will know the market like heartfully or hundred percent, so that remaining amount will be like gambling already you're leaving your your predictions up to luck whether it comes through or not and I've seen a lot of people who who believe that they know the market very well and like they they they believe that they know it all and they tried even


best and trade but when it turns out that a lot of other factors affect their the market that they did not factor in as well and it's all up to like they will do they won't do well in the market and this this aspect I feel like it's very relate uh very similar to gambling as well


uh for me because I'm not I'm not uh someone who invest myself personally but I feel like investing is, because I know like market rates aren't okay sorry I mean bank rates are not very good so investing is an, alternative source of income or also a better way to make use of your


uh disposable cash instead of putting into the bank I feel like it's a, as another mean or, of, earning earning cash it up at a at uh higher interest, a better way to put your cash ah I feel


that's true adapt I didn't think of it that way before, but I feel like ya those small firms like investments are would require investments and investments will really help them a lot as well


no I don't really


uh actually I did read up on investment strategies cause I know a lot of people like around my age nowadays are very interested in investing especially with the market right now so if I were to find uh choose a investment strategy I think I relate most to growth investment


so it's like if you you predict what's the next big, thing that will had will be in the in general in your general life as well as well what's the next big thing for instance like AI or or self driving cars and you invest in those companies thinking that their in the future their stocks prices will rise cause they will become the big company in the future


so like I feel like that is very easy like not easy that's more relatable to me cause it it relates greatly to my daily life I will be able to see what I feel is, going to be up and rising what my friends and families are talking about and, base on that predict what will be the next big thing


so what about you what do you thinks what's your investment strategy


ya I agree I think value investing sounds very interesting uh like a very interesting uh, strategy but I feel like uh value investing is something that it require to have you you have to have a lot of knowledge in the market you have to know what, what you feel like it's being undervalued now and what might increase in the future and to be able to do that cause I feel like the market is most likely efficient at all times so people will know like the prices should match what are the sentiments or what the accurate pricing


and arbitrage don't really happen very often as well so I feel like, you have, to know the market really well or even like, to be able to be like warren buffet I know warren buffet really believes in uh arbitrage but for to for other like people like us, who don't really know about trading doing that might be a very very


uh difficult things very difficult to predict and, like you uh like I said like a lot of like luck you never know what will happen, you never know what you predict whether it's undervalued or maybe it will even go even lower I feel, so I do agree value investing is very attractive and it's it's uh something that if you really can master it's really good but


it's a really difficult uh strategy to master or even know or learn about, what do you think of automating your investment and investing passively since I've I believe both of us don't really do investments right like we don't really invest


so do you believe in automating your investments


I I actually I completely agree with you in that point I feel like, you should start young like you should be able to you should get used to investing younger cause when I feel like when you're older your risk appetite decreases drastically and you won't even want to try so if we try now you will feel more comfortable in with investing in the future which I feel it's very important as well you know like investing your money uh correct wisely and I feel like


what you say it's very true you can get a lot of information now online as well and, uh online and I feel like a lot of banks are giving us opportunities to do investings as well like make investment easier for people like us like students like us the younger generation like DBS I know who friends who invest with like


some DBS application and I'll be really interested with it actually so I think I will I'll definitely search up more and maybe ask friends who are more, find uh who are more into this investment investing uh, investing to ask them about more advice like you said, or maybe ask a financial adviser even cause I have relatives who are financial advisers and I feel like they give they would know the market really well and know what's best


uh currently I would be I would definitely feel like I feel definitely safer with the advice of a financial adviser cause I know that I'm not that well versed in the market at all


but of course if of if I use my family member as a financial adviser I would trust them but if I were to choose an, an outsider maybe someone else as a financial adviser I would rather choose, more, like a few or I will get a few opinions before trusting one cause my impression is that financial adviser also have their own gains from what they are they are trying to sell to us and I feel like like you shouldn't always just trust one word you know that they might be a bit pushy about what they want you to buy but it might not be what's best for you


when it comes to financial advising so I also do my own research of course, what about you would you trust a financial adviser or would you do it yourself like would you invest yourself


ya I agree I feel like right now the financial adviser market is so saturated like I have so many friends or relatives or connections I know who are all financial advisers it's something that everyone is jumping into so it's really easy to find friends with that knowledge as well


so how about time the market or time in the market which strategy do you prefer


uh I'm not sure but what I believe it is is like, time in the market is you spend you don't care like you don't really, like uh what they say like you don't do the opposite of timing when to enter the market you enter the market knowing that over a period of time where like


over a period of time you'll achieve your goals or the fluctuations in the prices will help you reach your ultimate goal or what you want I feel that it's like like the time uh what I feel like time in the markets are like what you said what is expanding the time in the market, to to uh be ultimately achieve that goal but I feel like timing the market is you time a specific time you believe is the best to enter the market and a specific time to exit the market cause you believe that's the lowest and the highest point like what you're trying to achieve is a buy low and sell high


so maybe I maybe since I I said maybe I'll outgain what I feel what is better for me I'm not so I'm more risk averse, so I would I would prefer a time in the market cause I feel like you spend more time in the market the fluctuations and prices will soon average out so your losses and your gains although it might be uh uh your gains might be smaller your but it also means your losses will be smaller then


average will be better so over time you'll be able to see the market and come out at the, when you reach your goal but timing the market requires a lot of knowledge of the market cause you never know like you need to know when's the best time when's the lowest you never know like it turn out uh uh the shares will drop even lower than that there's a lot of predicting forecasting and luck I feel so for me as a safer option I will choose time in the market


I completely agree with you especially when you said about short term gains and long term gains I feel like, timing the market is really uh about achieving those long uh short term gains so and since you mentioned COVID uh so what do you think of the current the recent performance of the stock market


ya I I I I think thats that makes a lot of sense like, the COVID nineteen did bring, a lot of uh downfall for a lot of companies but they also brought a lot of opportunities for a lot of companies and those companies who, uh leverage that opportunity to switch online really thrive during this period especially like like like what you said zoom uh all those I I feel like a lot of e commerce platforms


they are doing very well and I feel like they are doing well in the market as well even though I hear a lot of like stock prices I feel uh going down but I feel like those e commerce or maybe like supermarket like Sheng-Siong I I think Sheng-Siong went up and I think, I think that's that's a proof that that it is able you are able to thrive in a in the market like that when the economy is so bad but of course I feel like the general direction of the market is not very good though


like the overall flow not only because of the company's doing well also because of the investors like us we feel like we have lesser disposable income or we feel more uncertain about the economy or the stock market so we feel less, uh risk averse and we are more more less likely to invest and I feel like this has resulted in the stock market as well uh in the general downs uh downwards trend of the stock market


on that topic do you believe that the, the the do you believe that, the stock market is not the economy what are your thoughts on this saying


I completely agree I feel like the stock market and the economy is very highly correlated cause like the stock market is made up of us investors us uh us, will also make up the economy like we it shows our sentiments for the economy like if we are confident in an economy we are we tend to invest we tend to be more confident in our investments but if our sentiments are we are not confident in the economy it then we won't invest like it'll be the opposite actually so I feel like


what we do affects the stock market and what we do is affected by the economy how we feel like the economy is doing how we feel like we are we might be uh losing our jobs we might not have enough uh our income might be affected in the future might affect what we do in the stock uh stock market so I feel like it's very correlated


like the the whatever happens on the stock market you can take it as an indicator of how the economy is doing I feel ya that's my thoughts on that topic and


I feel like of course that's the ideal case if you can buy low and sell high everybody wants to buy low and sell high if you buy low and sell high you are earning, but how easy is it to buy low and sell high it's a lot of this predicting again like I feel like it's a lot like what you said the value investing like what what warren buffet is all about on finding arbitrage but buying low and sell high is somethings that you require a lot of knowledge about you need to know the moving averages of all the prices of the stocks


over a period of time I feel you have to study it closely to be able to know that you are buying at the lowest and eventually selling at the highest if not you will risk buying it when it's not at the lowest you will lose even more it might drop even further, based on different conditions like this current pandemic you might have bought before the pandemic happened and you never know and then it dropped even lower so there are a lot of factors affecting this buy low sell high uh ideal so I feel like it's good only if you are able to master it completely which is hard so what do you think about that


part three negative experiences


okay maybe sean what's, what was what do you often worry about


I think both of us I feel like it's quite similar like for me, I feel like a lot of the times what I worry about is expectations of others especially when I feel like when people have clearly show their expectations of me I feel very worried if I can't reach their expectation or if I really failed their expectation


like I keep harping on the past I feel like I'm someone who keeps thinking about the past I will keep remembering that incident where I failed someone's expectation and it makes me makes me feel bad and makes me feel like oh no it makes me lose confidence, ya like I'll keep thinking about it and thinking about it and not move on from it and I feel like worry about that a lot and a lot about what


I feel like people see that I that expect me to achieve and whether or not or not I can achieve even before trying I will keep thinking whether oh shit can I actually do that, and also like I feel like, like not only the past I feel like right now at this age like cause I'm graduating soon


and with the economy I feel like it's doing so badly I also worry about like, the future like there will I had big plans maybe I wanted to do this I wanted to do that but is that possible now with, like the market conditions I feel that's a very big worry right like like recently I started worrying about it a lot like is it like will it like it hit me that oh no I'm graduating soon I'm going to be adult soon I have to have my own income I have to


like build my own finances and all that and that that really makes me worried and I feel like like what you said also about your goals and all that I feel like a lot of the time, instead of just trying moving on I feel like that is what's holding me back from my goal, my worries are holding me back from my goal I worries I worry too much before even trying I keep thinking about the past when there's no point thinking about the past actually use the past to move on it's easier said than done lah I can say I can point it out myself now that I worry too much about all these worry too much about my past but when it comes to actually doing it like not worry about them it's very hard like it just comes to me


and I feel like that's holding me back from my goal I feel like if I don't worry so much and I just try it out like it will be much easier uh much more easier to try to achieve my goal but because of all these negative and then insecurities and like lack of confidence in myself, I feel like it helps it it holds me back


and it makes me feel like maybe I should change my goal and all that and I feel like that's not very that's really really bad actually, but maybe it's just this period where everyone feels really virus multiple and everyone feels really down now, cause of staying at home too much I hope it's like this low period but ya I feel like that's my biggest worry


so what's the what was your saddest moment in your life


honestly I can't think of the saddest moment like on my mind right now but I think because maybe just now we mentioned about expectations I feel like one sad moment is when I in like when I was in poly in year one I had this teacher that that uh, we had a very close relationship I guess like we like


he he had a lot of expectations for me as a student, and, so I tried I tried uh I did well in his class initially but, after a while like there was this final, exam I knew he had a lot of expectation cause I did uh quite well previously he had a lot of expectation for my final exam and because of that


uh he he, he he even used my name in the exam paper that's how much I felt like oh he really expected me to do well but for that paper I just totally I don't know why I'm someone who procrastinates a lot so like and for that paper I just uh I just studied the day, before and I knew I wasn't going to do well so when I turned out for the paper I felt so sad I knew like during the paper I felt so sad knowing that I would disappoint him more than knowing that I won't do well for the paper and because of that I I I felt like that's one of the saddest moment for me like the most disappointing moment when I realised I


I disappointed him cause after that he did text me like what happened when he was marking my paper and I was like oh I'm sorry I don't really know what to say and then for me that's the saddest


I feel like honestly I feel like, for me cause I like I said I procrastinate a lot so when I procrastinate I leave a lot of things to the last minute to do like the day before and all that and that makes me stressed out uh I'll be like oh no I don't have time I don't have time to do it but


I feel like I'm so used to that stress that I have to have that stress to push me to do things I don't know maybe I've been stressed I I feel like I need that stress to be able, to to, to think better maybe but like I know it's not healthy I know that to like spreading my timetable I was better and all that but sometimes I feel like I uh get stressed a lot about my time and the the way I plan my time but


it makes me move as well, so a lot of time I'm stressed about myself not being able to plan properly it's like my like time management lah


ya actually I agree with you actually the comparison part also I feel like it stresses me out a lot especially when you see some of your peers who don't go like, who graduated already or because I went in to a poly route so some of my peers have graduated or even not only graduate like you see your peers who are doing something else maybe specialising something and a lot of people like tell you oh but you are specialising in won't won't have a like a very bright future and all that a lot of these comparisons I feel


stresses me out lor it makes like even though I try not to think about it but it's hard not to think about it when it's just vacantly there and peoples tried like uh some people even pointed out to you like very obviously so , I feel like that stresses me out a lot as well all these comparisons even though I know it's not something that uh you should do you shouldn't compare you should just truly like try to do your best


but it's so difficult like it's easier said than done


I've not heard of like I've not heard, I've, like no one has ever said of like a really hurtful word to me especially in recent years maybe hurtful words when we were in primary school or secondary school people were more like childish so they will be able to say, like some hurtful words and all that but in the recent years


hurtful words I've never I don't I don't I'd not heard a lot about, maybe but if I were to look back in primary school and secondary school I think a lot of hurtful words like I think back in primary school and secondary, who I cared a lot about how uh I what people what people's impression were about like people's impression of me were about what I cared a lot about what people talk and all that


so whenever they they they they told me an impression that I would did not agree with I feel really hurt I felt like oh no is that how I presented myself is that how they perceive me and I start like thinking about it a lot I will think about oh shoot maybe I should have acted that way and all that and I felt like but that was more like when I was younger I feel like as you grow older you don't really care you realised that you know


like how like how you present uh like people don't really care how you present yourself actually people care more about themselves than, care about how others like you should care more about your own, yourself as well than care more about how others like really care about how you present yourself how you of course it's important in like in a work setting and all that but in life like you don't really you shouldn't really care so much I'm trying to adopt that


mentality like even though it's difficult easier said than done but I'm still trying to adopt that mentality I feel like it will be healthy as well what about you


I first entered university cause I came from a poly background, so the transitioning was pretty like, transitioning into a environment with not only poly kids but also JC students, was quite uh difficult cause, you realised that the the Js uh the Js not all JC students but quite a few JC students maybe they have a different mindset they are used to doing studying in different way the way they does the the the the way they think or the way they


study or go about on doing things is different from how poly kids will do I don't know why there is this difference but I felt I felt like there was or maybe cause we are a bit older, and because of that I felt like, oh no matter what I did it was it's going to be very different from those uh from the other students and maybe not like even