like perseverance doesn't come by only like just telling yourself oh just enjoy the process just like made the best of it but I feel that I feel that, uh perseverance come from the heart and you need to like think of what you need to do for you to persevere if you know that by enjoying the stuff you won't


you would do your you wouldn't you would want to like have the fun of it but you wouldn't do your best so perseverance comes with uh hard work and determination too, ya grace so how do you persevere for like your studies and not wanting you to give up


uh I feel that in the post COVID world there's a lot of things happening right now like there's a lot of restrictions especially in phase one and phase two now you could only meet your friends of like , with limit of five people I feel that if you meet too much people you wouldn't have spent the enjoyable and quality time with your friends


I was also thankful of the circuit breaker period so cause I as I mentioned just now I don't really spend much time with my family and during the COVID and the circuit breaker I would like, I'm stuck with them and I couldn't go out so I would like spend most of the time with my family and usually I play mahjong with my friends but during the circuit breaker I could only play mahjong with uh my family and this is what I'm very thankful of as we


as we are together and we have greater bonds now as so in the in singapore poly that is also HBL home based learning I'm very thankful, for the HBL cause it allows us to have critical thinking and self directed learning I feel that most of this thing you could only happen in this in this type of pandemic


I feel that during like normal school days you wouldn't have been able to enjoy all these as especially like working from home or like studying from home all this sort , ya so this is what I'm very thankful of you know okay so what are you thankful of or are appreciative towards


I think I will laugh like really hard is when me and my friends went for fishing trip and my friend was like trying to show off like his skill in fishing, but then the fish was like a bit big and he was dragged all the way into like the shallow waters in the beach and after that I'm not so sure what happened but


he just fall into the water like his whole fat his whole face just flat fall in the hole in the water and that is point that I would I will laugh like for almost one day and even though if now you remind me out of it I will still be laughing about it


ya so , what where so where what describe a time when you took a risk and was rewarded with a success


oh ya I think it was last year when I took my O levels I really put in the effort and it's not a risk but I put in my time which I considered is a risk cause is like money is time so I put in my money into


studying and that I think that I was rewarded with success and I got like four distinction with in O level I didn't really study throughout my whole life and that I was like pretty shocked when I got four distinction for O level , and I think that that was a very big success cause as I put in my effort and time uh I think that I am rewarded with my success I feel that most people if they put really put in their effort and


they will take calculated risks I think they would most probably is rewarded with success and so, so can you talk about a time when you experience personal growth maybe in your camp or something


part one financial related topic


I will look into investing my money to like different banks and like , look into different insurance that the many insurance companies will offer , how would you invest your money


I don't know that CPF contributions are like a way for like your government to help you to save some money I don't really know much about it but, I do know that amount of your salary does go into uh your CPF so that you can help pay all of your bills for your your house your housing and like stuff like that


so ya then what are your thoughts on CPF contribution


I just feel like to manage CPF savings , cause you can't really control the amount that you put into your CPF just try


make sure that the maximum amount of money is put into your CPF so that as you said you can invest and earn some money from it, and then, ya I don't really know much as I said before, but


uh what advice I will give to someone is , just start from young as you said start working from young start earning some CPF during your free time, ya, so do you think one should own a credit card


I, uh I feel like like , in general I feel like youngsters shouldn't own a credit card for now cause don't think they're financially stable to do so uh cause with a credit card comes with like


responsibility lah cause you have to pay the amount that you spend and in credit card doesn't really limit you to the amount you can spend in a day uh so like, it's very normal for youngsters to like overspend like I've a few friends with credit cards and like they're like buying ridiculous amount of like items like luxury brands and stuff like that but then like at the end of the day they are like struggling to pay up their debts so ya then like


ya so my view on it is just only someone who is financially ready and stable should own a credit card, other than that uh I don't advice one to like, a youngster or a teenager ya, err do you


I'll admit that my in my habit of saving is like not very good cause uh I'm depending on like my allowance to save


uh or chinese new year money but uh I do try my best to like cut down on the amount of like, err stuff that I buy cause I collect stationeries right so I like to buy a lot of like, a ridiculous amount of like stickers and stuff like that which really does uh contribute to my decline in my savings but I'm trying my best to like cut down on stuffs that are not that necessary and then I meet my savings goals by


planning how much I would want to try and save a week for the the thing I want to buy or like how much I want to save like for example this week I want to save like, like fifty I'll try my best to save like maybe ten dollars a day from my allowance so ya then what about you like how do you save


K then, definitely get a financial adviser cause I really don't know anything much about finances in general so I'm like generally relying on my parents to help me save for now


so in the longer run I would want to get financial adviser cause they would know much more about different banks and like different investment opportunities or like what kind of insurance I can get to like help me save or increase my money


and I mean it's much more reliable lah cause at the end of the day I, uh they know what they're doing I don't know but must get a very trustable financial adviser lah cannot get one that would want to cheat your money one ya then you leh what's your like uh would you DIY or get financial adviser since like you know quite a lot about this kind of stuff


so five years five years ago I was thirteen so err start saving money I feel like one thing I've learnt right now is that , err I should really stop buying unnecessary stuff and I I instilled this habit in me since like young so like


ya like I wish that five years ago I'd just tell myself like you need to stop buying like, stuff on impulse cause like that's where most of my money's spent on and like very importantly since we're so young right we don't really have much allowance to save on like the one time in a year when you get like a lot of money is chinese new year lor


and like uh I've this very bad habit of actually spending my chinese new year money within like the first few months to buy like really really like like useless stuff, so like our chat to ourselves you know, save that money like when you get your money put it in the bank immediately cause then you wouldn't have


like you won't have to like like itchy feeling to want to like take that money and spend it ya so ya lah so I do regret not like err start like saving up, from like five years ago like I really depended on my parents to like get help me get like err by savings up to where it is now ya so so what about you like what would you tell yourself five five years ago


okay so like, like what kind of advice will you give someone to like get them out of their debt, like if they owe the bank money


three thousand is the starting pay so twenty percent will go will be going into CPF so I'll try my best to save cause


I at the end of the day I'll still be living under my parents' roof so I won't have to like really think about like paying for like house bills or stuff but yet so I'll try to save up more, maybe like one quarter or like maybe half if I can do like try to plan for like my future like when I buy a new house


or like or like when you get married and stuff like that when you like step out of your parents like shelter lah so like uh, how I managed my cash flow I think one problem that I have is really impulsive buying so like when I do get like


proper money I think I will try my best to like ignored impulsive buying just think about my future, and like like just make sure that I save, the amount I save is like decent lah like not like one dollar lah obviously but ya so how about you


I don't really think that it's the same thing cause err okay it's the same if you don't know how to control your money let's say you really don't even have money to invest anymore and you go and invest thinking that


it's going to be good for you but you end up like like not planning well and then you like run out of money or something like that but like I feel like it's not the same cause gambling is more of like it can become an addiction and like it's really like


err one day you can lose it all kind of thing where like investing or trading I feel like it's more, like like a a gradual loss, ya so I I don't think that it's the same thing lah cause one is leading to a sudden loss of money and one is, more of err gradually and like even if it's gradually losing right you can always just like withdraw yourself from it ya so gambling is more of like a lifestyle choice also investing or trading is more of like


planning ahead in a way ya that's how I feel about it lah


negative part three negative experiences


uh yes I had to plan for camp ah no it was a day event for my for my CCA and I , the day before our event which we planned months for because there was a lot of restrictions to it we were told that only like two to three youths were coming were showing up youths as in like kids with like down syndrome


and I err not like cause, although I am the organising committee I am not like the camp chief I'm not like like the top like so like because there was only two or three youths he had to change a lot of stuff it within our own event to like


like not me it was like changed by my seniors so like I really couldn't decide what should be done, but I mean there was some choices that she made that I didn't agree with but ya we had to change because since there was only two to three people we couldn't really like


like undo some of the games that we have planned and stuff like that which is quite sad because like thinking about it we did plan very long for the event and, ya I did make a lot of people cry so ya it was really sad , so aston can you describe a time like when you were like heartbroken


okay


time when I was looked down by my friends was err I forget which year was it in like secondary school uh I think sec three uh I wasn't like, known in class cause it's a new class so like all of us don't know each other but like like but cause a lot of them were like from the same class as before like a lot of them have like knew they know each other and stuff like that so


cause uh I was a very outspoken person and then I feel like I spoke something which like like get at you like who who is this girl like they thought I was like oh super nosy person and like like also cause I wasn't like academically like like


inclined ya I wasn't academically inclined or like smart in anyways ah pretty sure I was like one of the last few in a class and like it was a class full of really smart people and like , ya lah I was looked down cause in general number one I didn't really have friends in class and like uh number two like I'm not that smart and like when teacher asks me to answer question I really can't answer so they thought that I was like a loser and yeah


aston if you're going to die tomorrow touch wood lah what is your last words to your loved ones


ya, if last words ah !wah! I think must be like last paragraph or last essay eh cause like I'd just like number one start thanking everyone that I can lah like like thanks for like whatever they did for me lah just thank you and then like thank my parents definitely


and then like I would just like tell them you know like, I mean it's ill fated that it's my time to go all and like it's sad and all but like, they must stay happy and like don't forget me lah cause I'm so ya but like like ya lah just stay happy lah I mean like don't take about this death too much cause


it don't want it to affect you guys so ya, aston describe your what is your most embarrassing moment


err so when I was younger I had big ambitions like okay cause I'm I like science and I would say that I'm like science inclined, ya so I really wanted to be a doctor uh like I really want to help people but like can tell that cause


number one you can be a doctor you should go JC first that's like higher chances to go NUS medical school but I'm not in JC so like I'm in poly and then, uh from then on like I think from my real life goal start like my dream of being a doctor died already cause like number one I'm in like a course which is not really going to let me it will let me be a doctor but it's really very hard so like


ya my dreams of being a doctor dies a little cause I know that it's really very hard to be a doctor from the position that I am now and like like that's why I am pretty lost in life right now cause err I don't have a goal because all my goals are like all my dreams are like hard to reach


so ya err aston can you like tell me like what keeps you up at night


err a time of where I would felt awful was, I actually don't think I had time where like I help someone and I felt awful cause usually when you help someone you'll feel good so


no I I don't I don't actually have but uh you eh like describe a time when you felt awful


what what what do you mean by injustice, so recently like recently you know that about about the BLM movement the black lives matter movement I feel like


thinking like listening about all this from like a outsider point of view cause I don't live in the US particularly so I don't really know much but listening about how the color of your skin , like affects your way of living and like effect affects how people look at you it's like like it makes me angry cause like why is that supposed to like determine who I am as a person like does it mean my skin is like a certain colour means like you know


like that means I'm bad like there's a lot of stereotypes like in in general which is really bad lah and like I feel like all this inequality comes tough like makes me very very disappointed upset cause like , I just feel that everyone should be treated fairly and only be like people should only make an impression on someone


only when they really truly know the person ya so like stuff like that or this police brutality towards people of color is really like like why lah cause you know like I feel like it's very unfair and like, one more injustice that I feel like makes me angry is like


like animal abuse cause like animals don't even have a voice to speak up for themselves but yet they're putting they are put in such a bad place bad position in the whole world like there's so many cases of like people hitting animals or whatever or like animal abuse can become down to like


frogs that you want to buy from market like they are not even kept in like humane conditions in the first place I like they are kept like thirty of them in one small little cage is not called, like humane at all ya even though that ya ya they are going to be like cooked at the end of the day but I feel like at least let them live for a better life before they die or something like that lah so ya that makes me really angry aston like


describe a time where you feel like the world was against you


during my O level period in twenty eighteen when uh I had


a lot of family issues and maybe we, it made me feel like the world was against me because that, family matters to you the most right and then what like the things they're fighting about uh really affected me and then cause it was really near my O level period and like they fought really badly the day before my A level paper which


made me felt very upset because I worked out all my subjects in school I worked the hardest for my A level for my A math cause err I really wanted to let at least get a B or something from like a F, which I used to get so like ya that was like one subject that I worked really hard on but who who knows like the day before my paper I could only slept at like three AM and I had like her night hand people which I hadn't really note the time but I slept really late that night cause I just had to settle like the fights and stuff and I cried really really badly cause like


oh I really wanted to like die cause I I cause, number one uh at that time at like two AM I had no one to turn to and my friends are sleeping so I had to turn to my teacher and then like not like, I couldn't really study that much the day before cause or the month before my paper in general cause like there was too much arguments so ya lah I felt like the against was the world was against me like they don't want me to pass my O level or something ya


describe a moment when you felt like you were treated unfairly, unfairly


I would say that let me think I was treated unfairly when uh, I think during my CCA time too when I was first starting out and like I didn't really like know what I was doing and stuff but then you know with like all CCAs and clubs like that you will be like


like popularity matters so I wasn't really well known cause I didn't go for any like freshman orientation camps or whatever so like seniors in general like during your camp you had to they will give you more black face and like they'll like


Tekan you more than other people cause like you're not as close to seniors as other or the other more popular people ah lah so, ya I felt I was treated unfairly cause of my popularity I wasn't like known so like they thought that okay can bully this girl during the camp so ya lah


uh aston can you like like describe a time when you like felt like giving up


part two positive experiences


let me think ah I mean there was a lot of times where I really needed help like but I do think that cause we're students right the one time that I feel like I was really really appreciative of someone was


during my O level period cause I was not saying doing my best like I had a lot of uh, family issues and stuff like that but then like my my friends like my friend group in general like helped me


they really supported me during that time and because I was really behind on studies at the same time we had a lot of like study sessions and stuff like that to like, help me catch up on like what I'm missing out on and like we really work together to like uh to like


uh try to achieve the best for like O levels err it was really like heartwarming lah cause like like you never knew that like, your friends support system will be so strong for you and like I really rely on my friends in general cause like as I said lah our family was like really like having a lot of issues back then so like I wasn't really the


most emotionally stable to do anything so ya lah I feel like my friends really like play a part in my road during my O level year which I'm really really appreciative of, so what about you like like had like when was the time you are helped by someone when you need them


what is the best surprise I have given so I've given someone , err I've ever given oh I have ever given, cases like when you think about gifts or as surprises you just think about like birthday so like


I would say that I'm generally a very I'm a party planner so my but my surprises have pretty like like small but I think it really meant a lot to my friend lah so it was this time during my I forgot which year was it


and then like I think my friend was, coming back from some country or something and then it was like her birthday the next day so like we decided that we wanted to celebrate her birthday like like at night when she came home


and then like I did my gift for her was set it a small little it was not like, the most expensive thing I could ever buy or whatever but I felt like it was very meaningful cause it was like uh is a kind of an explosion box so like like when you open a lid and everything will pop up then it was like tons of pictures and stuff and I plan this gift like like two months back so


ya so like , that was a very meaningful thing ah cause it's like summarize like our friendship in like a box it was really really cute so I think that's my best gift like right now uh I mean there's a lot of other gifts that I've given but I think so far that's my favourite one


so aston share a funny inside joke that you and your friend groups, uh you or you and your group of friends still laugh about till today


after we I don't I think we have through the years it's like there's not one funny inside joke it's like tons of it so like I'll so like okay our group name is uh our group name is really weird like we call ourself like a a face but like


uh the funny thing is where we came we got this face from so like we were watching like some like, uh I think some live or instagram live or something like that and then like we were just talking about like like this person wanted to say bye bye so like sort of catch phrase at the end was like really funny like we couldn't really understand her catch phase


when she said like goodbye cause like she said something first then she she ended a call so it's like some bye bye thing lah like but we couldn't really understand like it until we'd like listen to it like ten times and then like from there we kind of like like make it like a funnier version


what, it is a true like I I mean to me it's funny it's an inside joke lah ya then what about you like describe a fond memory that you have shared with your love ones


that you share your loved ones


a fond memory I share with my loved ones , I guess I know it's like very very cliche but uh a fond memory right now like that I can think of is during circuit breaker when


I can finally spend some time with my parents I feel like that;'s like one of my fondest memory right now because , like I've never really been able to spend time with my parents up to like COVID cause we're like stuck together right so like we'll every day every day we were just like sit down by the sofa at night to just like watch movie or something so like


one day right like I uh cause I recently bought a nintendo switch and then like uh I decided to play like uh to just dance with my mother and it was like really really funny lah cause like uh we're both not like dancers or anything so like it was really a joke and like ya it was just really funny lah


ya uh okay then so may I let me you ask your question, uh what makes you persevere


what makes me persevere is okay so generally I don't really have a endpoint right now cause, I mean I'm still young right I really don't know what I want to do but right now what makes me persevere is like try to make my parents and #ah gong# proud lah because uh my #ah gong# always say like you know cause I'm the oldest in our family so like I'll be the first to like


like study in this generation where like we have proper education and stuff like that so like I just really want to make my #ah gong# happy lah because he loves me so much and then my parents like, like do everything they can to like to like make sure I have a shelter and like make sure I get like a computer for like poly or whatever so like ya lah just the thought of like making like my family proud is what it's like the key thing that drives me to like persevere on like to do my stuff


and also like different stuff like my own goals or whatever like one year my my not really a goal but my reward was uh a trip to korea with my friends so that made me persevere through like O level to like


K I do well I do this well now I can I can go for the trip already after that so like ya lah the reward at the same time ya, so right aston like in the post COVID world who or what are you newly thankful of or appreciative towards


err through circuit breaker uh I've learnt that family is really really important so like right now post COVID


like since you are hanging out with your friends and stuff I have realised that like I'm really thankful of my parents and what they do for me like as I said earlier cause like they do work really really hard to put a shelter above my head and ya lah I'm just really thankful for them cause like


I mean I'm out there playing every day and then they're they are working so like I really thankful that they're like, trying their best to like like get me to where I am today lah and then I'm also thankful towards like uh my friends in general cause like like honestly uh post COVID is like


I feel like there's a lot of like negativity going around right now but like just speaking to my friends about like different like issues and topics and stuff like that lets me like vent in a way and like, just like me like share one feeling throughout the whole like COVID period cause like you know what COVID period we cannot really like go out and meet friends and stuff like that so ya that's why I'm like thankful for lah uh aston so like


describe a time when you laugh like really hard


okay so in general I don't think like I'm a person that takes a lot of risks cause I'm comfortable where I am but like recently cause , like after joining poly like I and when the new environment like I have to make new friends and stuff like that so I decided to join a CCA which does stuff for like community service


and it's a risk for me cause in general I don't like to like step out of my comfort zone to make new friends and like err put that anything that puts me in an uncomfortable spot which a new CCA for me did lah but then like uh we had to plan an event for like a down syndrome a camp for down syndrome


uh like through youths and like this this success feel like it's more of like a emotional success if it makes any sense cause like I never knew how much like , like joining the CCA or like planning for this whole camp is can like impact someone's life and like I cried a lot on the last day of camp cause like it was so touching to see like that the youths and all were like really really sad uh I I mean like really sad that the camp was over like


means that they really love their camp that I plan a lot lah so like that's the kind of success that I got from like joining the CCA cause like honestly when joining I didn't think too much about it I thought it was just be another like, oh like another like CCA where you just like meet friends and stuff not really actually doing like meaningful things like that ya and I mean my journey was not easy like I really wanted to quit but I took a risk of staying and like even sacrificing a bit my studies but I mean seeing the youths so happy at end of the day make me really


emotional and like proud lah that I stayed in the CCA so ya then what about you like what's a time when you have took a risk and then you know got success


personal growth okay so what I had to go for this uh camp in last year and it was like a leadership camp err like


at the start I really didn't want to like go for it cause I knew that like you know they will like Tekan you and like do a lot of exercise which I don't and like but throughout the four days camp I felt like I've grown as a person as as I said like cause I was like in a new environment


I've learned that like speaking out first really matters and are taking initiative cause the whole camp was about like initiative like you must take initiative to like, ask permission or whatever like that lah so uh I've like grown in a way that I've learnt to take a bit more initiative and then uh I understood that sometimes you cannot be the first


you cannot be the last person to like uh like be a !hey! like you you must be the first to like start of conversation to make new friends so ya that's how I've grown throughout my camp I've learnt to be more responsible at the same time cause we have to be like, we have to take care a lot of things in our group so ya that's that was like ya my personal growth


so I have both uh debit and, credit card and, err my credit card I got it like when I was a university student so it helps to eh it actually has the annual fee waiver because of err the perks of being in a university


err and I like using the credit card because of the, the credit limit that they have so it's like I can pay it back err next month I don't have to like err watch my I mean I have to watch my expenses but I don't have to like err be worried that I don't have


enough cash on me at the moment so like that's the thing about a credit card that I like and also there's like cashback of like five per cent and like paywave visa cashback, so I think that this is like uh a reason why I actually err like uh err credit card and yeah and debit card I have but the normal ones


so err, when it comes to like what type of credit cards I think people should use I think it really differs with different individuals and like what are their preferences so because like cashback you get to do have a discount for your


for the next bill and then points is like you can use it for like restaurants and miles you can, transfer it to air miles so for me personally I'll prefer a credit card that offers cash backs because right now like for me for me right now I'm I don't really I'm not really err earning much yet so the cashback


that, comes as a discount in my next bill actually makes me very happy because like I know I feel like I spend a lot but actually I don't need to I don't have to pay, err that month of that amount cause there's a discount so for me personally I'll think err cashback would work for me and for and like if you are someone who really goes a lot of shopping and stuff I think points would be better so I think maybe like


in the future if I start to travel more I will consider getting a credit card that has points because I can use the points to err for like different merchants in like shopping centres or restaurants or I can transform it to air miles but for now I think cashback credit card is the most suitable for someone like me


err so I have , purchased insurance products from err two banks in singapore so , one of it I can, uh elaborate is because uh it's a hospital wise err err insurance product from the bank


so that that the perks of the insurance product is that I get up to about three hundred dollars, daily cash if I'll benefit if I, have any illness or an accident and I have to be hospitalised and I can get and there's a annual policy limit of up to two hundred and twenty-five thousand and it will cover me with daily cash benefits and reimbursement of any hospital expense allowing me to like focus on my health in the event of any of hospitalisation


so there's also no claim bonus where in that instance where I don't make any claims for period I'll actually get fifteen per cent of the premium refunded to me so I think it's kind of like a a win win situation for me if like if I, if I if I do get hospitalised this insurance will actually help me get like err fund for me that the expenses but if I don't get hospitalised and I'm fine I actually get a no claimed owner so I think it's a very good feature that is uh incorporated in this product and the experience of getting these uh insurance was actually


very easy because I didn't had to go down to the bank or to sign any I didn't had to meet any agent to sign all, all it all was done over the phone so the bank err one they called me and then they talked to me over the phone it was a long call because they had to explain to me properly about the insurance


and then err when I said okay I I would like to sign I would like to uh agree to have this insurance they actually did all the arrangements over the phone and they sign they they send me, a paper copy of the insurance contract err to my address so I think it was actually a very easy experience it it didn't require it didn't really take much of my time or didn't require me to go down to any any branch so I think this was a good experience and a good also a good uh insurance product that I got


yeah


so in terms of investment products I haven't gotten any from any banks or actually in general at anywhere because , I feel like I'm not in a suitable position right now to get an invest to do an investment because


I'm right now err not working yet I'm I just finished my studies and I'm not working yet so I don't have the capital to do any investment so I would rather not invest anything yet so I haven't purchased any investment products so err ya that's something that I don't have


so I have I have a school loan err for my, tuition fee, and it was actually a very difficult process to get it because in the beginning I was actually rejected, when I applied for it and I till today I have no idea why I was rejected they just told me to apply again so I had to apply again and the difficult part was that I couldn't settle it in one branch they told me to come to one branch of


the bank but then when I went there to sign they tell me they told me that I have to settle it in another branch so it was a very like eh at the moment was, I wasn't uh really feeling confident about whether I'll get the bank loan or not and then like to have to move here and there it to settle it was very troublesome and it wasn't making me feel better so I think like


that was a very err it was a very difficult experience to get a loan but once I got the loan and once it was settled I think it was quite , it it's quite okay because err, the I err the everything moves smoothly once I got the loan like how err how I have to pay it and uh pay it back or how I get it and everything so everything is okay but the experience of getting the loan was difficult it only got smooth after I got the loan


the, say


(ppc), so I think couples should, definitely open a joint account once, they have gone to a stage where marriage is on the tables or they are about to get married so right now I do not think I do not have any joint account with my partner yet but will definitely open one once we are getting married I think this really helps to like uh manage our expenses and finances especially like err such as like house finance like bills and


wedding finances or house loans and stuff because it keeps it separated from our own personal finance and expenses so it's like uh it's definitely like a a good thing for couples to combine their finance I mean combine their finances that are


related to like housing and as a couple instead of a personal finance account but combine it to have a joint account I think that would be a it's a good thing to do and I would probably like uh research more when it, when the time is near for me to open one with my partner and see where I which bank would actually uh help me with


with good err in interest and savings rate yeah


okay, so when it comes to like err what age a child should be given ATM card to manage uh their account it really depends on


okay as a parent you will have to see if you think your child is err responsible enough to err be able to handle their own uh expenses and savings , but uh I will feel like it's better to give them the ATM card once they've reached like a stage where they're they're earning their own money so that they know the they feel the pinch when they use their money from their bank or when their able and they know the importance of saving


I got mine when I was only seventeen I'll when like I started my first part-time job so my, mom gave me the responsibility to save my own money cause I'm working to earn that money so I think I would do the same for a child for my future child because I feel like err it works err like to feel the pinch of using your own money and saving your own


money ya so that's what I would do


when it comes to bank


interest rates I know that they are actually quite, unattractive , but I would rather err keep it in the bank instead of investing it somewhere because, personally I'm someone , who dislikes and and really afraid, to take risk I'm not a risk-taker so keeping it in the bank would actually even though there's this unattractive interest rates I would feel safer because I know my money is safe there and is accessible anytime it's sort of like leaving err investing I would feel like


err my money would, I will lose my money I could lose my money so I'm really not a risk-taker so that fear would actually err, I think it would really eat me so I I would rather keep it in the bank instead of investing it somewhere else


so right now I my bank account is all err like fixed deposit I have one bank account that has a two per cent interest rate on your savings , err so you'll get is you get like a two per cent


uh uh, back cashback kind of thing like uh depending on the amount of money inside there's a minimum cap that you have to have so I think that's a good account to help me with my savings so usually transfer all my savings there , err it helps me to save my money but my other accounts are of fixed deposit because it was like one of my account was my mom was the one who like opened it up for me when I was a young kid so it just


like, transferred to me but it didn't I didn't do anything about it so that's like a basic bank account for me, and the other accounts like I didn't I when I opened it up I didn't had much knowledge, about banks and how much err interest I should look at uh in the savings and stuff so I just opened one for the sake of it I didn't open like with research so that's so I feel


like, I feel like right now all these kind of things I would want to do it when I actually have enough capital in my hand, to , so I want to work first so that I can get the money and then know which account which kind of account I should open in the different banks but right now I don't have it so I'm just keeping it


err for later yeah


I think like for my people of my age the insurance that are really essential right now is err, I think like, getting into err I think life insurance is really important for us because err we are at the stage where we are err going to start working soon and we have to invest in that and also savings insurance the ones that you get back


err or an amount at a certain age so I think this kind of insurance is essential for people of err my age because right now we are still healthy we don't really need something that focus a lot on of our health yet


uh


I think that the CPF insurance coverage isn't really enough for our self like I know that there's like medisave and all these medishield but I feel like it's not enough because , I have like , had injuries in my legs where and my leg where I had to go to the hospital to get like uh scans and stuff but


the medisave wasn't enough to cover everything so the medisave only covers like a certain amount and then the rest I had to pay cash, and so I think like it's important to get insurance where it can covers all this like your medical bills, uh err and your


, hospitalisation fees and stuffs because err CPF alone isn't enough and especially now where err you are whereas most of us like uh my age some of us haven't started working yet so it's err a bit, err difficult to depend on CPF when we haven't gotten the CPF


money yet in inside yet due to not having enough income so I think we need err another insurance on top of CPF you, insurance coverage yeah


what frustrates me the large extent is when, I do my best in something but I do not see the results in it so it's like


I could be like really working hard to do well in my studies but, I don't see the results or I could, be like working hard to like , lose some weight but I don't see the result so whenever I get this err instance where I actually I know that I've done my best but there's no results I actually get very frustrated about it and it really disappoints me a lot


yeah that frustrates me a lot yeah


okay what's the worst thing I've witnessed and kept quiet about is , I knew that my friend err was actually cheating on err her boyfriend and I did not tell like the boyfriend I didn't do anything about it err to like make the situation err to to make sure that like this situation doesn't continue


and then I think like that's the worst thing I've actually witnessed and I actually kept, quiet and didn't do anything about it it made me, felt like I was an accomplice to the pain at that point of time that to the pain of like the person that was getting cheated on at that point of time , and yeah I


could actually have done something to make the situation better but I did not so that's something that I witnessed and kept quiet about yeah


!huh! okay so , recently there was a movie that was going around in the internet that people were talking about they were saying like oh this movie


err they were like kind of , praising the character the actor a lot the character of the the the main character of the movie so I was very like intrigued I wanted to watch it and know what was happening why why is it getting such fame over the internet


but then I realise in one of the scene the the main character actually kidnaps the, err actress and like tells her that she has to fall in love with him over a short period over a period of time and I felt like that was a very negative thing to portray out to viewers especially now that there are a lot of err young people who are more err


exposed to such scenes and stuff I felt like it was advocating for the wrong things like kidnapping and like saying that you know , I mean I just felt like it made me really very angry at that point of time because I felt like this wasn't right , you shouldn't be showing these kind of things in movies you shouldn't making it seem like it's okay to be doing this when it wasn't at all so watching that that scene made me very angry then I just felt like you know this movie wasn't worth watching


and, I really I was very angry to watch that movie so I just, didn't want to watch it after that


so a time that I was unable to help someone in need was , when I was living abroad for a short period of time I have this close friend who always come, to me whenever she has err troubles or she's going through a rough time and usually we would just go out for like maybe ice-cream or a drink to cheer her up and we do things that she like but when I was abroad and she was feeling down


I couldn't help her and I and the thing about, when I was living in canada this happened when I was living in canada the thing was there was a time difference of thirteen hours so there was no way I could like I mean, the, there was the only way I could like be able to talk to her


if I sacrifice my sleep or she sacrifice her sleep and I think that point of time I was quite tired from school and like I was having tests back to back so I didn't I wasn't err able to sacrifice my sleep I wanted to sleep and, I think I wasn't able to help her err get through her rough time at the point of time give her the moral support and take care of her bring her out so I felt quite bad that I wasn't able to help her at that point of time


so my greatest fear is actually to fail , like I said before I get very frustrated when I do my best and I do not see the results in it so it's kind of connected like the outcome of failing , I'm, very afraid that I would fail


in achieving my goals in being successful , or like in in, overall I just I just I'm just afraid of being a failure I feel like , err it so it's like no one is supposed to be a failure but I feel like that's what I'm afraid of like I would end up being one of a being a failure and not being able to achieve the things that I want to so I think that's my greatest fear


yeah


uh, time when everything that could possibly go wrong did go wrong was quite recent when err, I first found out that my mum was err diagnosed with cancer , and that was already a very like a bad news for my family and I and we were already very affected by it negatively and we were very down


and then probably about two or three days later we got a call that our dad was in the hospital and when we found out and my our dad got a heart attack so I think, you already felt like we already felt like the world was going to end, when we found out that our mom had cancer


and that was really bad enough and then few days later to find out that my dad our dad got a heart attack we just felt like it was really I felt I felt very personally very very affected by it was very err it was a very err negative, moment for me to know both my parents being sick and there was nothing we could do to help because I mean this was in the hands of the doctors already and like we right at that point of time I felt very err useless and


felt like , you know what else could go wrong because everything already went wrong


a phobia of heights like the general one I have phobia of height but I usually like I can overcome it and right at that moment when like someone is there with me to give me their support but I cannot overcome it like hundred uh per cent because I feel like I will always be afraid of heights no matter what another phobia I have is actually speaking in front of


a huge amount of people , like I feel like err I I I'm afraid of that and I haven't been able to overcome it yet till now


, I dislike watching anything that has to do with gory scenes ya, whenever like scenes like cutting off the hand or the leg or like you see blood splattering everywhere err like the decapitation of the head and everything like


whenever I see such scenes these gory scenes I actually get very very disgusted I'll get goosebumps I'll my hand my hair will raise my hands on my hair will raise eh my hair on my hands will raise I'll feel very like , I don't know at that moment I just feel


feel like, it it I feel I feel like I can feel the pain, of the knife cutting, the body parts and stuff so I get very disgusted by it it gives me goosebumps so usually I cover my eyes when I have to watch this kind of, things ya because I can't I can't I can't


cannot go on with it it's not my type


felt that I committed something gravely wrong and there was no way to get back and start over was when I lost a group of friends , I felt like at that point of time I wasn't telling the truth to my friends I was hiding the truth from, them and uh I think it really upset them


because they felt like I was being I wasn't being truthful as a friend and they lost the trust in me so, at that point of time when I lost like my really important group of friends at because of my mistake of not being honest , and that I actually made them lost their trust in me


I felt really low because I felt like there was no way to move on and like form new friendships again because , people are people do not like me I felt like people do not like me and trust me because I wasn't being completely honest so I think that was the point of time where I felt like I committed something gravely wrong and I couldn't get back up and start over


so an event that made me really angry I can still remember it was an incident, err during work, , a customer was angry over , something unreasonable and the unreasonable thing was actually the weather so the customer was not happy that we had to stop certain things certain uh things from happening cause of the weather and because of that he he threw his money and his card


at me like right at my face and I felt like that that was very disrespectful to me like you know no matter what the situation was he could have just calmed down first and realise that you know I couldn't handle, I it wasn't in my hands like the weather like it being from sunny to to start to rain it wasn't my fault and he could have been nicer to me instead of throwing his money and


uh card at me it felt like if he was trying to show-off that you know he had he was rich and I'm just a part-time worker over there so I felt very very embarrassed and I felt very angry like I was so angry but obviously I couldn't do anything at the moment because , I was err I was working I was on the job at that moment so it would make no sense for me to uh jeopardise my job by


showing my anger so I had to like smile it even smile through it all even though I was angry and embarrassed because there were many other customers that's also looking at what was happening my colleagues was also looking at what was happening so I think , ya I I this event really really made me very angry and I cannot forget it even though it's been like two to three years since the incident happened


you can tell me


disgust me is when someone is disrespectful to others regardless of the age or the situation , so I feel like it's really very important to understand the situation, or what the person is going through before you jump to conclusion and I feel like many people do not do that and they disrespect the other party or they use like harsh words


or they do not bother to go that extra step to find what was what went wrong , so that really disgust me because like I feel like respect is really important, and if you can't respect someone or at or if you can't even like , err bother to listen to respect someone and listen to their side of the story or understand why why people find that their mistake was wrong but you're just so egoistic and you you you're just so disrespectful to others and their feelings I feel like that really disgust me because


if you had put yourself in the situation, the in the the the shoes of the other person maybe you will understand better but you failed to respect that person so ya that really disgust me


an issue that I feel upset over because I feel the world needs to do more about is actually poverty it's a prevalent issue that the world can do something about a lot of third world countries are still facing war and poverty while a lot of developed countries are actually getting more developed and richer


I feel like this is unfair because like countries could have more peace treaties instead of having wars and they could help out with , err the economy and poverty where the rich gets richer and err and poor gets poor so I think this is an issue that I'm actually quite upset about that war is still going on poverty people children are still starving


so it's something that I feel like the world can do more about it because one uh it wouldn't get better just by one person helping we need more people to help them yeah


okay in a post COVID world I feel like it's kind of obvious already that right now the economy is facing a downfall and so the post COVID world a worry and anxiety that I


so for me , similar to yours but the thing that I would like more to the the reason why I would make me want to be alive more is achieving


my goals and travelling is like a sub goal of like my dream goals so it's like my goals is like to be happy to be able to like have a good income be successful have a family so these are like, and travelling is err some of my goal so I feel like err to be able to do all these I need to be alive so I want to do all this and that's the reason why I it makes me wants to be err alive


K, my I think like I still like I'm actually really secretly proud of having or is is it ability I'm not sure, it's the fact that I can interact with children very well


so whenever like there's a family gathering or like err any gathering uh any event where there's children , I'm, I get I feel like they get attached to me very fast and then we can we like we, I usually spend most of my time with the children instead of the adults and I feel like that's something that err I'm proud of because it's not children don't get attached to


every human being very easily it's it's it's really like , uh whether they like it or not and I think to for children to like me it's actually something I'm really proud of having and I also I use that to my advantage by working in part-time jobs where children are involved so that


I can because I know that I I'm I know that they actually I can interact with them so I use that ability to my advantage so that's a an ability that I am actually secretly proud of having


so for me I blush the most when I receive compliments so this is regardless of whether it is something on my appearance or something that I do like err I really blush a lot when I receive compliments I think that's something that err I do not know how to react in that situation


but I feel that I usually blush more when it is a compliment that that that it's not about my appearance so , err maybe something like maybe I bake brownies and then I I gave it to my family to try or my friends and then they say oh it's delicious you are actually quite good at baking so this kind of complement actually makes me very happy and I'll blush a lot so I think it's usually


complements in general that makes me blush ya regardless of whether it's like a non-appearance or appearance, uh you as long as a compliment I receive a compliment I will blush so I think that's when I blush the most


for me, my favourite activity to unwind and relax is quite the opposite I do not like to go out or like interact with people I like to actually stay in my room alone in my room like , I would set up my room really nicely like to have like my warm light switched on and then let my air humidifier with my


favourite essential oil smell so like and then I'll just on switch on netflix and be in the room for like I I've I feel like could be in the room for the whole day as long as no one disturbs me it's my favourite activity to unwind and relax I like, doing that because it it makes me forget reality because I'm so like focused on what's happening on the show that I'm


watching and I forget like I forget my problems I forget like what's happening outside my room like whether something is happening or whether I know that something happened before so it's really helps me to err unwind and relax so it really err relaxes me so and eases


my emotions up so I think my favourite activity to unwind and relax will definitely be staying alone in my room and watching my shows instead of going out ya so I'm quite the opposite ya, (mmhmm)


okay I think mine is pretty similar to, yours it's just that mine was err during my JC times and I wasn't doing so well academically I was quite focused more on mine, CCA because my my CCA was one of the top sports top it were top teams in


the national national compared to an uh international err level so , I was more focused on like in, winning that instead of, thinking about my results I kept all my studies, it was very difficult for me to score well cause I couldn't manage my time well and one of the teachers was quite disappointed in me and told me that you know if you are going to continue this you will not make it to any university


not local not private any nothing because you will not do well for your A levels because your focus is not on studies , and I think like that, that kind of impacted me and I managed to score one of the highest I I did quite well and I actually made it to


the local university and one of the, one of the good local university , so I think it was quite a shocking thing for my teacher she was like , because she was someone who look down on me and then to see that I actually, like didn't follow I didn't, follow the path that she thought I would, go but I went on different path and I actually did well so I think that actually classified as a comeback that shut her up because she had no words lah basically when she saw that I could I did well so yeah


the, okay so we have very similar experience because mine was also for my twenty-first birthday my surprise but mine was my family who actually err did something for me so when I say my family I'm including like my cousins my aunties my uncles


they all came together to actually perform a dance performance for me and they use like the songs that I loved and they actually performed for me so I think like they knew how much I enjoyed watching them, dance they knew how much I love the songs that they had chosen


and the fact that they actually went the extra mile to use their time, behind my back to practice for this performance despite having like a busy working schedule at that point of time, and to coordinate like a big amount of a huge amount so that was about like


twenty to fifteen to twenty of them dancing together so I think like for them to coordinate together and perform err just to make me happy and surprise me in front of almost hundred people was something that was actually a big surprise for me and I think it would it would be the best surprise so


far nothing has ever topped that yet and I think it's really my best surprise to see my family coming down together just to make me smile yeah that's my best surprise


ya I have a similar mindset to that like the fact that everyone is going to have to work hard in the future not and not slack off so that makes me optimistic because I know I'm not alone in this part to further add on to why I'm also still optimistic is because in the current situation in our in singapore right now I feel like there's a lot of help that we are


are receiving right now from the from organisations from government and stuff so I think that the fact that to know that we are really all in this together and we're really receiving the help that we need to move on and move forward in our life I think that makes me optimistic I feel like in case there's at in case I


do face an a setback in the future I'm optimistic that I will receive the necessary help to get out of that setback ya so that's the reason why despite the ongoing global uncertainty I'm actually quite optimistic about the future


uh, so for me a travel experience left me in awe was when I did my, my university exchange program, in canada and I did it during the winter of twenty, nineteen so it was really a surreal experience to actually firstly live alone far away from family and to experience winter so it was really really beautiful because of the snow and the sceneries that I actually manage to err see and it was


very different scene from singapore because singapore is always very hot and humid and you see HDB flats everywhere , but in canada it was more of like little err bungalows and err snow , and err ya really very different and also the travelling part I really err enjoyed


this because I have a very big family so whenever we travel together as a family I have to travel for I have to plan to travel for a big amount of people like err I, plan like to make sure like that the housing we get is err enough for everyone the activities we do can accommodate to everyone but when I was travelling in canada I had to just plan for myself which was a very


different experience and it actually I feel like I would definitely go back to canada to visit again because now I have friends there and also I feel like it's a country that's not just worth visiting once but many times, yeah


uh


I I feel like ya when doing an awesome good deed and getting the reward I feel like , this kind of reward err makes us feel better as compared to physical rewards so it's uh something similar that experience was err during one of my work experience I came across a little


a boy with a cut on his head and it was he was bleeding quite badly he was crying because he was alone I wasn't sure where his parents were at that point of time, so my first instinct was actually to perform first aid for him and then locate his mom so at that moment I felt like instead of panicking and like being afraid of


the blood or like how to stop the bleeding or where his parents are what would his parents say I actually handled the situation very well I actually stopped him from bleeding located his mother and I think his mum saw that when the when I'm located his mum and his mum saw that he is fine, his mom was actually very amazed with how the situation was handled and she passed her compliments to my supervisor who actually complimented me in front of the whole team and I felt that was very rewarding because you know that it was very fulfilling to know that I helped someone out and also like


I helped to err get a good reputation for my work err uh place and also because of what I did so I think that was a good reward and then I will remember it always, ya


for me like my experience when I realised my when my faith in mankind was renewed was a personal experience when I was in primary school I actually overslept in the bus while going to school from


home and when I alighted the first thing I did was actually cross the road to get the bus the same bus back in the opposite direction but err for some reason there, the bus that I took didn't travel the other way too so I was actually uh lost I had no idea who where I was I was a very young kid and I was crying


and then there was a lot of people staying with me but no one came down to help me except for this one man he came and then he asked me if I was okay and then I explain to him that I was lost he got a taxi for me he saw a taxi driver that okay this girl's lost you need to send her to the school , he gave me a ten dollars and then the driver actually drove me to school and when I reached school I gave the driver the money but he didn't want it and then when I asked him why don't you want the money because you actually drove me to school and he said oh no I felt like what was more important is for you to reach school safely


as compared to him earning that money so I felt like that was an experience that really renewed my faith in mankind because I realise that you know there are people out there who actually generally want to help me they won't just stare at me crying or take money from me they just want to ensure that my safety is okay so I don't have to be afraid of everyone so yeah that's when that's the


instance where my faith in mankind was actually renewed


mine was something similar to yours just that mine was was in canada when I was all alone there I went skiing but actually had a fall while skiing , I I don't really have experience in skiing because I I mean clearly in singapore you can't ski so over there I only like did some lesson but and I felt like I was confident enough to do the skiing on the high slopes


and when I went there , I actually got afraid while skiing and I started falling and I'm rolling down the mountain and I actually hit a tree really hard, and at that that moment when I was rolling down the mountain I felt like okay that's it I'm actually going to die in canada because one thing it was very fast and err I really don't know when I was going to stop but thankfully that that that large tree was there


because if the tree wasn't there I would have probably died and I think that was when I felt really really lucky because like if not for a tree I'll probably have died like really far away from, my family also so really thankful for the tree so I thought that was the luckiest moment in my life


financial related topics


ya for me I don't have a credit card because I'm not working full-time yet so I thought isn't necessary for me to have a credit card cause I'm not really earning much but I do have a debit card one is from


one that was during my army time it was from the SAFRA itself and another was when I was studying in my poly was the frank OCBC card , err I think both of it was pretty good cause for the frank OCBC I didn't have to pay err any monthly fee because I was a student and for the SAFRA card I enjoy all the SAFRA benefits if I went for bowling err went to any of the SAFRA facilities


for me I think I'll prefer actually getting a credit card that gives me miles points cause err would like to travel around a lot so when I'm travelling a lot I'll be taking flights and stuff so


that I will like it if the flights that I take that the money I spend it's converted to my points and I can redeem that to take next flight or points


uh for me actually my first insurance I had was covered by SAFRA itself but recently I received a call from DBS during this COVID period and they were explaining to me about one of the insurance they have , for this COVID cover and so I think it was uh you receive around hundred dollars per day if you got hospitalised plus the additional amount


if you are sent if you are staying in the ICU as well then they say there was like cash benefit for daily surgery and then they pay you a certain amount for medical leave and it doesn't matter even if you are in singapore or abroad they are actually covering you


and so I really thought this was a very good insurance policy especially during this COVID period , then if you are hospitalised you don't really need to worry about, the payment and also you are getting paid so ya I thought this was a very good insurance policy


uh for me it's similar as err I'm not working full time yet so I don't want to use any of my savings to invest that so maybe once I start working full-time I will consider looking into investment products


uh for me I have a student loan as well and was really difficult for me to get the student loan err because mine firstly I wasn't studying in the local university so most of the


banks the interest rate was definitely higher compared to the other loan that you give to the local university that also when they were looking at guarantor , err my dad couldn't be the guarantor because they said he's too old to be a guarantor so it was really a difficult period for me to get a study loan I have to find


actually I to find two guarantor because my study loan amount was, err a lot more compared to a local university and then the banks were not flexible as well saying that I can't use my dad I can't use my dad as a guarantor I can't use my mum because she's not working full-time so yes it was a really very difficult period to actually find a study loan that


that that's interest rate that wasn't very high as well at the same time you, like I got the best out of it ah so yeah


ya for me same I don't currently have a joint account with my partner but once both of us are working full-time I would I would want us to have a joint account I think one day it would be good as well we can we will be able to


track each other's expenses and we wouldn't be spending money unnecessarily so we can save it for our future for housing and ya whatever we need to purchase so yeah


ya for me currently I don't have a child so I can say when I was around sixteen years old I start working my first part-time job that is when I actually got my ATM card as well like my mom told me like it's time for me to learn how to manage my own finances since even the little amount that I'm already earning I should know


how much I should spend how much I should save so that in the future , when I'm earning more I actually know how to do it so when I have a child I would definitely want him or her to have his own ATM card when he's starting when he has started his first part-time job so he actually knows how to save money and not spend unnecessarily as well so yeah


ya for me I would actually prefer to save at the bank but once I've saved a certain amount I would actually prefer to use the amount and invest elsewhere because I'm going to be getting more money in return as well and


to actually earn a proper return from bank you really need to, have quite a huge amount of money in the bank and also you shouldn't be touching it for a long period of time and I don't think I would be able to do it I would rather use the money that I have in the bank and invest it elsewhere so I'm able to get


eh to ya make the money grow so I would like to invest it elsewhere rather than a bank


ya for me actually I'm not very sure whether I've err high in bank account or fixed deposit cause , I opened my first uh bank account when I was studying as well, so they said that it wasn't a requirement to


to, have any basic amount but once I start working I need to have a basic amount of five hundred dollars or a thousand dollars so, uh ya that is, yeah that's all


uh for me err to getting a health insurance it's quite important now cause you are at the prime of your life and I'm pretty sure most of us are very healthy as well so we wouldn't have any diseases or illness yet so most of the insurance


would be able to cover, any illness or any diseases that you might get as well but if we , as as we grow and we get older we are most likely when you get certain diseases or illness and once we get that the insurance wouldn't be able to cover us


so for every medical check-up that we go we have to fork out our own money and pay so now I really believe that all of us should get a health insurance when we're really healthy and stuff


and for me I'll take the same as well cause most of the insurance coverage err from, private companies so they actually quite charge quite a lot as well so it wouldn't be enough to just use your CPF to pay off the insurance coverage so I actually pay using


the money I earned from a part-time job to pay off my insurance coverage and then I just keep whatever that's in my CPF, for, like when I go for a medical check-up and they allow me to actually deduct it from it if not I don't use any of it ah


for me something that frustrates me then most is when I'm unable to complete any given task on time like, being anything like I have to complete before the due due date or by a particular time and when I'm not able to complete the task on time really frustrates me and I keep quite angry as well so yeah


for me one of the worst thing that I've seen is I this was like many years ago when some of my friends were underage to err just drinking and creating a mess right below


a block as well and I did nothing about it so ya that's one's that's yeah


mine was err it was actually from the movie john wick the first movie where at the start of the movie itself his wife would, die and before she passes away she actually she would actually get a puppy for him and give him the puppy and then the villains in the movie would kill the dog right at the start of the movie itself then I'm just like why would you kill a innocent dog for no reason and I was really frustrated in the end want to watch the movie anymore ah so


ya for me I think a time that I was unable to help someone in need was my parents when I was a lot younger because only my dad was working my mum was a housewife so they were having a lot of financial difficulties and as a small kid I definitely wasn't working and there was no way that I could contribute


any money to them as well so I was it was really unfortunate that was I wasn't able to help them during that period of time


for me my greatest fear is actually being alone like people that really close to me leaving me after seeing, the negative side of me and


ya so I just don't want to be alone


ya for me it was and this was, like, few years ago it's err I was working at a part-time company for few months as the and then suddenly they said that they are closing down the branch and, all of us all those that are working part-time, are


kicked out like they don't they are no longer required as well and just during that period as well I sent my uni application and then but, the uni didn't first get back to me and then a while later they got back to me saying that my application was rejected so both of this happened during the same period of time


ya and, ya so


ya for me it's something similar I actually don't like to give presentation or speech like I don't like to have the attention right on me so I've been slowly trying to overcome that phobia, but, it's ya it's quite difficult as well but I'm trying to talk in front of bigger group of people then slowly


I think the main aim is try to be as comfortable as possible when I'm giving a presentation in front of huge group of people as well


and so I was actually watching this movie call rocky so I was actually watching this movie right after like my uni application got rejected and everything and I was really upset about this so the main character would actually say this to his son as a like this


this caption that he will say because his son be blaming him for everything that's going wrong in his life so he will tell him that let me tell you something you already know the world, ain't all sunshine and rainbows it's a very mean and nasty place I don't care how tough you are it would beat you to your knees and keep you permanently if you let it you me or nobody's gonna hit as hard as life but it ain't about how hard you hit it's about how hard you can get hit and keep moving forward


how much you can take and keep moving forward that's how winning is done that caption alone like really make me realise that, it is true it's life is going to be hard as well and you should always be keep moving forward no matter what it throws at you because once you go down you're never going to get up again and you should never let anything pull you down no matter how hard it is


ya for me it was during my poly days I actually had err some gambling issues and I've started to really become very addicted to it it came to a point that I even started to use the money that I've saved saved up for my school fees and gamble with it and


I remember during a particular day I gambled a huge amount of money and I lost all of it and I thought that's it I could never recover from it because firstly it's my school fees as well as I wouldn't be able to pay to, pay my school fees and there is no way I could tell my parents that I actually spent all the money to gamble as well


but luckily some of my friends came together they realised my bad habit they spoke to me about it and then they actually forked in some money to pay my school fees


uh for me, err even they have nothing, my part-time work as well so we were given some particular task to do for the day and all of us have completed the task for the day so we told our supervisor that we are done and we're going to take a longer break as well


so we took a longer break we ya so you took a longer break than normal and then we came back from our brake our manager was super unhappy with us he started to be very rude to us started scolding us saying that we should not have done that under even though we are trying to explain ourself to him


and, ya so that was something that really made me very angry as well cause he was really being unreasonable even though you're trying our best to explain


ya for me something that really disgust me is during this COVID periods err some people have been very, rude, with the health stuff people like they wouldn't want to be sitting beside them wouldn't want them right , I wouldn't want them to be sitting right beside them just because they are working in a hospital and stuff but these are the people there taking care of all the patients and when it's COVID period going the extra mile risking their life so that everyone is being healthy and well


but, there are so many people out there that's, they're looking down on them and it really disgusts me when I when I see these people as well


then I think the work and definitely do more is about, global warming there's increasing temperature the water level is increasing penguins and polar bears are pretty much dying and I really think bigger world bigger countries can do something about this especially those that are contributing so much to see o two


uh in, ya they can really do something about this global warming before this planet is totally destroyed and, ya, the future's unable to stay in this planet


and for me is a very big worry is like there's another outbreak other virus that comes out again like now itself everyone is so terrified at what might happen and ya and I'm worried as well if something similar to this comes out would everyone be able to face it together again or would it be even more worse than this


(ppb) so yeah (ppb)


okay positive experiences okay for me one of the thing that makes me feel most alive is actually travelling around the world and visiting different cities I would like, to learn, about their cultures know more about the people their lifestyle


about, about the city so, that being in a different environment different with different people actually make you feel the most alive that I could


ya for me err maybe I don't know whether it's considered skill or ability but I'm actually pretty good at fixing up stuff let it be mechanical stuff or electrical stuff like a fan or light bulb so ya but I don't really say much about it but when there's a necessity I would go and


and for me I don't really blush much but something that gives me a wide smile is knowing that my friends are having a good time with me they're laughing they're forgetting about all their issues and trouble that really gives me a wide smile knowing that


my friends are really happy with me and they forget everything all other issues they are facing in their life


for me a activity that I like to do to unwind and relax is just having a cold beer at a bar or something with just a friend and then just talking or discussing about football it makes me just unwind and totally forget about everything else


for me one of the time that I made a comeback that shut everyone not everyone just a particular person it was actually my , university professor so I'm I've always been struggling to attend morning lectures cause sometime I work I go for my part-time job at the evening and then it's like quite difficult for me to wake up at morning so one of the day my professor in front of my whole classmate said


he assured me that I will definitely fail this particular module that I won't, that I won't clear the module I will literally take the module but err after the, final quiz came after the final quiz result I was like one of the highest in the class and he was totally shocked when I was returning back the quiz and ya that was really a time that I shut him up but ya I'm happy about it as well


ya for me one of the best surprise that I've ever received was during my twenty-first birthday I thought it was just a regular day with my , girlfriend but little did I know that she actually had planned a surprise with all my close friends they booked a staycation got my favourite drinks my favourite cake and they were all waiting for me at the hotel it was definitely one of the memorable surprises that I will never forget as well


uh for me err, something that keeps me optimistic about the future is currently everyone in the world is going through the same issue as well all the countries are really affected the economy is really bad as well so I'm very sure that everyone will be working twice as hard as they can to


make it better to make the economy back to how it was so yes I believe that everyone will be working harder and they'll be also helping each other and this and I'm really optimistic that the future it'll be all back to normal as well


so yeah


definitely one of the travel experience that left me in awe was when I was actually travelling to india I was born and raised in singapore as well so that was like the first time going to india


so like born and being raised in singapore like I'm used to being just grown grown up in a modern city so I didn't expect myself to enjoy my trip in india because I was actually going to the village side but when I went there I was totally surprised with the people the culture their lifestyle


all of them were so healthy for their age like even at seventy eighty years old they were just walking around there was no one in a wheelchair or using a walking stick , they and they will just get up at early morning not because they have to work like they will just get up see the sun sunrise have breakfast together the whole like the whole family are very close and it's something that you don't often see in a modern country


ya in a modern country so that was a trip that I really enjoyed as well


uh for me one of the biggest reward, that I receive was err I was actually waiting to, to take a train back to my house just as I was waiting there was a blind girl that she wanted to take train as well but she but she didn't know which train to take so no one was actually going forward to help her so I went to her I asked her what help does she need then realise that she needs to take the opposite train at the other side so I followed her all the way


so all I did was just held her hand bring her to the other train , the other area to take train then once and then followed her then one we once her station arrived I told her okay this is the station you need to get down as well , and, even such a small gesture she started to thank me non-stop saying that something that not many people actually stepped forward to do so even such a small small help can can make a huge impact on someone life so that's like one of the biggest reward that I've received


so this actually happened a few years ago so I was walking by and I saw a group of foreigners uh trying to purchase a particular item from this shop but they were unable to locate the item so they were trying to communicate with the


sales staff saying that they are actually looking for these items but none of them could understand what they were trying to say , so just nice there were actually a group of teenagers that are walking by and they saw this happening so they actually went in spoke with the foreigners ask them what they want they went to then tell the sales stuff and throughout that whole purchasing period they were there with those


foreigners waiting for them to actually complete their purchases and once they left the shop the left together with them and when I saw this ya it really I was really happy and, a bit more faith in human mankind was renewed for me ah


uh for me one of the moment that I feel the luckiest was few years ago during my army career I went for a nose operation so the operation was successful and everything went fine so I was discharged and I went back home but the next day my nose started to bleed and


it didn't stop it started to bleed non-stop and I realised something seem to be very wrong as well so I decided to rush down to the hospital and then when I went back to the doctor that actually did the operation he told me that err it's good that I


quickly came back to the hospital because if I've came back an hour later the nerve in my nose would have been permanently damaged as well so that's a moment that I feel the luckiest in my life


ya so for me one of the proudest moment of my life was actually entering a university and doing well as well cause after I completed my polytechnic I didn't do really well and I thought that, it wouldn't be easy for me to actually even make it to a university but ya I managed to enter a university and do well in the university as well


(ppb) yes (ppb)


wait I press already eh how ah I press already, it's it's already recording yup


part one financial related topic


uh I think it's the one that you recently introduced me not recently but uh I think a few months ago or last year , yes jumpstart savings account


I didn't know what is it, nope, email okay


oh no


I think I think it's fine lah I think it's fine it just it just gives us a, so it's like more pocket money it's it's the our source of income right so I think I think that's fine that's fine that's not too bad it's still better than what the current uh banks are giving or for the for the account I actually


introduce this jumpstart account to another friend and ya I told the their uh I told the parents as well and the parents are actually quite shocked, to hear about it they are actually because a a savings account that gives a two percent uh interest rate is really really quite rare it's rare


correct, but I believe young young people twenty six or below, uh I think it's having a twenty K is not a small amount for this age


so I think it's it is eighteen to twenty six right years old, yup, okay hopefully the interest rate increase in the future after this pandemic is over


okay so I heard that you have uh credit cards if I'm not wrong


oh !wow! okay so so what actually made you want to sign up for credit cards and why not just have one but two credit cards


because because I okay because currently I'm still pursuing my studies and I'm graduating soon and I believe that after I start working I would, be able to , I I will need to use a credit card and


I'll be able to afford a credit card so I want to hear your advice or, what could you share with me about credit cards


okay


uh no, definitely


true


I see I see, ah I see, so what are the perks


oh !wow!, up to, oh that that's quite a lot yup


okay so I I guess that uh let's say let's say the annual fees two hundred so I guess I believe that what we spend or what what the the kind of perks that we we receive have to be higher than the annual fee which is two hundred right so is that is that possible


within a year, wait is that for free or


okay, I see I see but what is the point of the annual fee if it can be waived off


make sense


I see I see so regarding the perks of the credit cards, what what what are what are perks for your two credit cards and which is better


yup, sixty that's not bad


I see I see yeah it it it you you have to constantly remind yourself that and , and and know how much of each category have you already spent right


so the minimum for the UOB is two thousand, [orh] five hundred okay okay


so, I see I see so comparing the two credit cards to me I think the DBS live fresh is uh more attractive, what do you think


okay I will consider about it, it's not nice okay so, ya so so, just now you have uh actually share with me about your two credit cards are all about give you cashbacks right


rebates cashbacks so what do you think about, like, give you uh miles yeah yeah or points to to exchange for things, or do you or do you think it actually applies to you or do you think it applies to you better when you are at a certain age or stage in life


ah okay okay, yeah it's more it's more liquid right


ah that's good, not now definitely because uh because COVID they are definitely I think the most popular is the krisflyer miles right


yup, can be from uh it is from UOB and from other other companies as well such as grab grab also gives you krisflyer miles but currently I don't think that is the most attractive option among the three


that's right, yup I think probably when I have a family myself


with my partner and my kids probably I'll get miles so that I can save more while travelling, yup


yup, but but but I think that probably they use miles to attract miles instead of cashbacks to attract probably they will give you more miles compared to the amount of cashback or or rebate they give you so


probably they will actually support the airline companies in this way yup


the miles, but for now definitely we won't be exchanging for miles lah in this in this yeah in this period of, of uh


of time I think cash is the most important one among the three yeah


yup, I think I'll do the same yup


I think some uh debit cards are also stepping up their game to to make it as attractive as credit cards like they'll give more perks or they'll give more discounts when you use the use the debit cards to spend at places such as like


like what you said seven eleven or certain restaurants


this one yup


ah okay


remember the youtrip card that you , that you that you suggested yeah that you so, yeah yeah I got I got it and I actually used on a few uh merchants such as uh itunes yeah the aliexpress so it actually waives off all the


all the all the all the extra charges


but I think the only, wait education also have uh extra charge, !huh! the conversion right the conversion


I see I see, right


yup I think it's really I think it's really not not so nice that let's say you pay uh six dollar and ninety five cents uh on itunes and then you receive your your statement you just you just paid like a bit more than seven dollars, although it's a although although it's a bit but it doesn't look nice you know you you feel that you've been cheated of your feelings that kind of thing


and you wonder where did that, wait how how did I extra charge, ya how come how come that where does that extra charge, come from but I think most people actually do not know where does this extra charge come from and they just they just look past


because it's just a few cents or few ya, online yup


that's right that's right, ya okay so I think, okay so I think for the youtrip card right I think I'm gonna share with uh more of my friends uh and about benefits lah and I think after I graduate I'll probably apply for a credit card to try probably before a few days before I graduate I'll get the DBS live fresh card


to maximise my perks, okay okay, definitely I'll get it lah ya so so the best suggestion as of now is the DBS live fresh ah


okay okay alright


part three negative experiences


definitely definitely, yup


yup I think the I think we have been through uh we have we have definitely been through uh SARS but I think we were too young to uh recognise or to remember what happened back then


it's way lesser because it's less infectious uh, ya thousands yup and


millions millions yup definitely in the millions yup


Wuhan virus right, is it, or or ya correct or they call it the Wuhan virus right, ah that's right that's right ya


oh that's even worse than Singapore more strict, true


understand


yup what if definitely yeah


so did you actually go through any swabbing tests or


okay yup


yup, yeah I understand


after that you came to Singapore you have to isolate yourself for two weeks right, stay home notice, okay


event that happened to you lah, your family members


actually not only in Singapore not only COVID nineteen is the only problem uh the other problem also surface which is uh dengue fever ya it actually has a a higher


fatality rate than uh the COVID virus for COVID nineteen in Singapore it was uh zero point zero five percent but for dengue fever it's at the death rate is actually zero point one percent so it's double the


the rate of uh COVID nineteen ah so recently I also also bought a mosquito killer the UV one, yup to to prevent as a prevention lah yup recently I really felt there are lot of mosquitoes and uh I got quite a few bites because every day we stay at home


ya and, uh if we actually go out more often now I think we will have less bites but currently we are staying at home because of COVID nineteen and I think that is the reason why, the


cases of dengue fever actually increase, do you agree, that's also a reason yup


so do find a increasing, number of mosquitoes at your area


oh okay I see, oh that's great cause I heard that the east side the east side will have more uh more dengue infected areas clusters


oh okay ah ya ya correct correct


some more I heard that july the the last two weeks of july could be as the temperature could be as low as twenty two degrees and today it actually, poured very heavily, yup ya ya ya


but actually, but I actually don't feel the actually the the news is not reporting it in at least not in Singapore, the one that we saw was from Taiwan right


the news was from Taiwan


I see actually talking about locals right actually one of my, one of one of things that I dislike or I I wouldn't call it a phobia but, one of the things that I dislike is actually insects uh


when like when I see insects especially big ones when they are flying around me or, when they're around me I will actually want to quickly kill it or, I want to move as far away as possible because


to me the the structure of the structures of it of of an insect is just too weird you know, okay animals animals such like mammals , or or or even fish they actually have body parts that that that that is similar to to human being like even for fish the eyes actually looks a bit like human but you know when you look at insects


some of them have like, four to six eyes they look weird and they have like six legs, ya and , ya so I really dislike insects, ya


I don't, those those that study insects, yup but I remember back when I was young back in China uh I think even before I got into primary school I think there is this like a local small hobby it's called like cricket battling


you know like two people catch crickets and then they put it them in a bowl and then see them fight each other, ya so , at that time, is it


true


actually the other unhappy thing that actually that I that I experience before was actually when I, was doing a part-time job, when I was actually selling uh water filtration systems so what happened was that it's a it's a very sudden transition from insects to my my job lah so what happened was that


insects probably yeah but that that's not the point so so back then I I had a I had a a colleague, it his he he went into the company earlier than me or I think a week a week earlier so he's a bit more uh experienced and I


actually at first I actually, or was trying to learn from him because there are a lot of uh techniques and lot of uh, he he's a bit more knowledgeable than me lah in in the water filtration system so


I seek advice from him I look up to him something like that so but we were all both train under uh one person our mentor, so uh but, uh so we were actually a team so me this person this colleague as well as our mentor is is in a team so we were working for this waters company called we just call it uh company A


so company A doesn't actually give very good welfare or pay or benefits to the to us so our mentor decided to actually start his own company, water filtration company and he want to bring us over to his company we call it company B so but however uh


as company B was about to start a few days or few weeks before it officially opens uh for business we were actually preparing the materials such as the flyers our name card


our files that contain all the documents that we show to the customer uh that we showcase to a customer to explain about the water so, this this colleague actually took a picture, of my file with my ID


okay so this whole file belonged it it's actually part of company B so, okay basically company A A doesn't know that my my mentor is going to have his own start-up of company B yup because to prevent any unfair treatment to someone who is about to leave the company


to prevent things like that so so he so the mentor did not did not tell uh the boss of company A lah so and we decide to just , just just quit like just quit like that so , but however this this colleague actually took a picture of my file of company B with my name my ID tag on it and sent to the boss of company A without me knowing so


so it's okay the reason why is because , this colleague actually borrowed money from company A boss to pay because he he is a malaysian and he actually need to pay for certain for example his work pass


, his rent something like that so he actually borrowed money from the boss of company A so and and our mentor actually treat us very well and actually fight for our our pay our welfare


but this colleague actually sort of like backstab me and my mentor and he actually reported to company A's boss that reveal everything ah that, we're about to


you know quit and join a new company, and then so we have a whatsapp group so and the boss everyone is in it so, one day, the boss actually sent my bit my my my the picture of my file into the group


and say that uh !wow! your this picture looks good, sarcastically, so I was and, at that point of time I was so surprised that how is my


the picture on my file, in his hands you know how how does he possess that so at first we didn't knew we did not who's the culprit, and it actually breaks the trust of uh me and my mentor because my mentor thought that I was the one that actually gave this picture to the boss of company A so at that time my mentor has has distrust uh of me and


I felt so I felt so bad and I felt I don't know what to do because I don't have evidence I don't know who did it, I actually looked up to the colleague so in the end uh my mentor was , had had prepared because because he took he took the the colleague took the picture


, while we were training inside of company B, so there are cameras around so my mentor actually went to look at the the files of the uh recording, and he saw that oh it's this colleague that actually Sabo me


so uh in the end definitely, probably because we were preparing our file of uh company B so the all the documents and he probably when I went to the toilet or when I went to another room he actually take the opportunity to actually snap a a photo of it so


it's yup either subsidise or raise his pay or probably he doesn't he in the first place probably he didn't even want to join company B


yup so this was a really really bad experience and I felt the full force of, other people actually kept saying that oh back it felt bad to be backstabbed and actually felt the full force of it the full experience of being backstabbed by someone and whom I look look up to lah so it was really bad experience


(ppo) yup hopefully thanks


part two positive experiences okay so bro do you still remember where, is the when is the first time and where the first time we met


yup yup two thousand twelve, uh okay, okay for the screen is that you saw my uploaded video right


yup, I think I forgot about your video, what what song did you sing again, ah okay okay


I did I sang <mandarin>他说:ta shuo</mandarin> yup, and actually it was my first ever first ever time that I went for a competition uh <mandarin>校园:xiao yuan</mandarin> superstar two thousand thirteen


uh okay I I was actually encouraged by my my my classmates because I actually performed uh okay when I just got into JC junior college I actually performed, uh in the in one of the orientation night performance so and I think it was recognised by by my peers and they actually uh when when this competition uh came up


uh they actually encouraged me to join so because the audition was on the screen, online so that's why it actually gave me more courage to join because it's not in front of the judges, so I can I can actually practise as many times I want uh at home