ya so that like these kind of things I think it's quite heartening to see lah you know ya are there any sacrifices you've made that are worth everything


ya I think in general mostly the people around you right ya ya the people like around you are the ones that


ya


gateway in the rain


the best movie I think you know this but my favorite movie is the exorcist, did you say something ya ya I can, hear you I can hear you uh what's the best movie ya I I think you know this lah my favorite movie is the exorcist


like you know how much the exorcist, ya , ya I really like you know how much I you know how much I love horror movies and stuff like that and that was like one of, the you know for its time it was one of the best movies and uh you know every single horror movie tropes is from then


but you get quite scared sometimes right,


(uh huh), ya, ya


a very relatable show actually it's a very funny and like relatable show you know


I mean ya I have tried it lah I watch horror movies all the time , what, , movie gone ya, I mean I I for me you know this like I I prefer shows that are like a a bit more serious and have some sort of uh


uh a long story-line you know I prefer shows that are like about politics and you know stuff like that and like period dramas are very entertaining for me


so that's one thing we have different from each other ya so what do we have in common now , I think, we both have similar outlooks some sort of a long term like some sort of a long term outlook we have similar outlooks in like what did you say


that's quite lame K anyway


okay can sure anyway so ya the question is what do you have in common okay now I think our basic principles in life are quite common right we tend to


gravitate towards similar things right, I mean like stuff like, like we're both very caring loving people I think we care a lot for other people and stuff like that you know I have like I think that's a very big thing that we have in common


ya but you really don't think we have anything else in common ah, ya it's like deeper things


ya ya K what is one place you love to visit, in singapore okay in ya okay how about in is it in singapore


I am assuming that's what the question is oh okay fine lah in singapore and like overseas or whatever


okay so what the one place that you love to visit, ya, , uh italy because it's you know I love literature and that's practically like the birthplace of like renaissance literature and art and stuff like that ya so that's like always been my that one place that I'd love to go to ya


but what are like some things that you're quite in grateful for, everything right ya ya I, think people ya I think people tend to look for, specific things that they're grateful for but I think like the three most basic things in life that everyone should be grateful for is like you know having food shelter and water you know because without these you would you know practically will not be here


ya, ya ya ya


ya and the fact that it's a very simple thing is a it makes it very beautiful as well


ya ya ya exactly I agree with you


okay I think there are quite a few things that I admire about you right you know I think, I admire your determination quite a lot and like when you feel like you want singing a song right or whatever in relation to your music you are very determined and you're very ambitious and like you really persevere through it a lot


you know and ya, sometimes you feel down and stuff and you have your support systems, from various different places


like these the people that you surround yourself with like your friends family they're always there to support you and, and that that is also one of the things that I admire about you the the fact that like a lot of your perseverance and your strength comes from the like collective effort of the people around you lah as it's a very nice thing to see and I think also


you're you are very open person, I think we've spoken about this before but you we're quite different in that aspect like I'm very close off with new people whereas you are very open and ready and willing to share like your deepest darkest secrets with like any random strangers on the street


and that's one of the things that I really admire about you lah the fact that you are very , willing to share about yourself, (mmhmm) so do I just only to say one more thing, uh


I think the fact that you are very loving with your friends lah like your inner circle, with your friends and your partner, and everything you're very loving ya (mmhmm) like you you really do your best to make sure that you know everyone knows that they are supported and appreciated and and loved


ya ya so what about you, okay sure sure sure , uh I'm sorry but I think you didn't uh answer the question the three things you admire


okay, okay ,


this easy way out lah okay okay ya, , favorite activity to ya ya you're going to say singing I'm going to say reading so ya I think I think everyone can kind of see how much it allows you to unwind then relax like you really shows on your face and stuff like that


(uh huh)


ya ya (uh huh)


so what do you love most about yourself, you have to know what one thing that you love most about yourself


ya so then if then that is like your confidence lah you the amount of self love


ya I understand I understand no it's not it's not a weird thing it's it's, ya lah everyone should should, , uh


why why you want to sit there , ,


, , I think the the the this one you should you know like I was with natalie in the tuition centre right and this other girl fell off the chair we couldn't stop laughing


but is very funny ah, ya ya what what's the proudest moment of your life


ya ya I think it's just like every moment that you feel quite shitty but you still choose to like keep going on that is when like it's your proudest moment lah you know each times is a proudest moment


I don't think I had a best meal but there are a lot of dishes that I like, ya that's not very healthy either


ya as long as you are acknowledge it ya, when I went to ya you say, ya


finance


okay uh well my investment strategy is basically I think, I tend to buy uh I think more on the stocks in terms of uh many good company stocks that's one thing apart from that I think I also take like insurance plans


uh that actually has good saving plan , so that uh my in uh my insurance present can actually help to look after my portfolio, so I I I do actually get their advice on what are the good investment portfolios that they they have and then based on that I actually try to follow up and then do any kind of like saving plans based on their advice


that's all from my end and then, for Viknesh let's say for you right either buy or low and sell high is this a good investment strategy


okay I think I'm a very safe uh risk taker for that uh I do try not to actually buy beyond my means, and I also do calculate uh whether my saving is actually enough to actually buy


any kind of uh investment portfolios that is not able to cover that is gonna probably give me a loss so I try to be in a very safer side to buy something that is within my scope , like enough savings to cover up whatever losses that happens and also I tend to buy I think I diversify my portfolios


I do not just only stick to one investment so I do look at various , investment plan uh to make sure that if there is a lows at least they get covered by the other investments that I have in hand, yup so for number two I think that's about it for that question let's move on for you Viknesh okay do you in for question seven do you invest in stock markets and what do you look out for when picking up a stock or for investment


I think there's four minutes up on your phone screens ya look at the message, oh okay


any sure okay yup <P2>vick nash</P2> sorry I think your question


uh well investing or trading similar to gambling I would say well okay somewhat sort, because I think it depends on luck to a certain extent where gambling as well as investing I think it depends on investing is more on depending on the market I think like how the movement of the market I think economic wise


uh you need to look at the overall how is it doing to get that to see whether there's any good prospect, for the moving company that you are actually believing before you're buying anything right but when it comes to gambling I think it purely depends on your luck when you're choosing certain numbers or whatsoever that you intend to gamble on so


it works for a certain at degree or certain extent, but of course in general when you look at the investment and trading programme uh trading company you also need to do a lot of homework to get to check on the background of the company and then also get to know whether uh in terms of the moving market whether what were the losses or profits over the maybe a five years trend trading effect


that they have which I think in gambling you don't really see then I think it's purely depending on what you actually , maybe uh you you you believe or whatever that is going gonna, happen yup that's all for my question for that


for you vicky I would say what do you think of automating your investment or invest passively, it's gonna be point number four which is what do you think of automating or investment and invest passively


okay okay good


err point number sorry which one is that twelve okay twelve discuss the recent performance of the stock market okay uh I think in terms of the stock market we all know that because of this COVID incident uh apparently I think that is


uh pretty much most of the stock market is uh basically in a very fine state where it is all in a declined process where I mean even when it comes to any kind of banking stocks or whichever it is that you can actually looked that there was a huge declined from what it used to be or the trending effect for the last one year plus when you uh refer back


but oh of course it has picked up from what it used to be when there was a lockdown period I think the stock market was almost at the very uh I think it was almost in the crashing kind of a period where now I think it is basically, picking up uh but of course in general I think the market is not doing so well uh and uh I think it takes a little bit more for the COVID all to come to a end before it all picks up to the uh how it used to be or performing in the future ya


back to you Viknesh, is it back to me sorry okay sorry wait ah okay wait let me think


okay I will definitely go for number ten uh what are your thoughts on investing in high leverage products like options number ten


okay for that I would be okay I'm familiar to a certain extent but I think I also rely more on the so called professional advice as well so uh when I say familiar means I'm I think I'm familiar in buying stocks from a relevant I would say


a good company that has like a good reputation over the years I try to in I try to actually do my homework in checking the background of the company and then what are their future plans to see whether is there a scope, that they would be able to probably get my portfolio grow so I think that's something which I look at at but in general let's say if I'm actually looking at something more in uh for far future for my retirement purpose and things like that I actually tried to get


get to my own personal insurance agent to actually seek their help, and also providing me any kind of like a good investment plan that I could startup as of now so that and also make sure that uh because I believe that as of that the risk taking is much lesser for the loss that I wouldn't be accountable for for my own


so and then there was like a less minimum loss that would be required since it's a safer choice to begin with so I think uh so back to your question is I actually look at both like apart from me investing I think I also look for someone more professional in doing so


so back uh back to me I would okay yep, so question sixteen uh CDP or custodian account which one should I use and why


okay okay it really depends on whether do you mind actually taking, any risk for your own investment plan so I think it the question draws back to each individual, on whether would they want to actually do their own uh investment or they want to actually seek the financial adviser for it because uh well they are usually classified as the professional one who actually know I mean they are doing it for their own basically it's their rice bowl right so


they would actually know what is the scope that they are actually looking at like which company that they want to advise their so called , their client to actually invest so in that sense I think it is less involvement on each individual to focus on so you can just rely on your financial adviser if you are not a keen person I would say to


or do your own homework so I think as of, as of that then you can actually get and seek your financial adviser but you are a person who is very hardworking and let's say if you want to actually know more on your investment plan and then of course when it comes to your profits and your loss you want to actually take in control of


then definitely I think you should go with your own investment investing plan itself, so at the end of the day I think it draws up to each individual uh what you are looking out for because there's no right or wrong in terms of what you want to do like so I think it's back to your own individual I would say thoughts or your opinions on this


so back to me to ask you a question okay, question six time the market or time in the market which strategy do you prefer


okay uh as of that I think is very important that uh because they have very little cash and I think in order to have a little cash I think they have to just maybe start of beginning of the investment journey I think is just to also get


started at okay in terms of like let's say portfolio investment journey, I think it is first for student I think it's always recommended to actually seek, for a safer plan because first of all I think the students would not be able to


I would, think handle any kind of losses with their little cash that they have in hand so in that such I think it's it's better to actually go for like a saving kind of a plan , uh where they can actually seek a professional help for it instead of they starting to think about investing uh at a very young age itself because I think it is not suitable for them to actually do their homework with such a little cash on hand because


uh they will not be very prepared for any kind of a losses on a a short or long term period, so in that case I think I will definitely intro the person to maybe any of my own kind of uh I would say any good insurance advisors that are around to actually plan for their uh future investment


uh to start with something small and then let that money grow and and and I think that they can at least see the fruitful of their investment, yup so back to me I will


say okay okay, question seventeen ETS or unit trust which investment instrument do you prefer


negative experience one two three, hate the most sorry is that lah oh I think you you definitely know this question last time you name the person


what kind of person do you hate the most oh okay okay what kind of person so definitely not the name okay the kind of person who definitely uh someone who's very jealous about everything about some more the jealousy I think that's the crazy thing which I hate about , it's not about the jealousy it's about not feeling happy for someone and and definitely you never feel pleasant if anyone is having a good time or or or maybe happy about some incident or anything that happens happy about someone you're always feeling very negative on I think that is the most


hated thing I have because you are not happy for anyone and you always have too much negativity on themselves so I think someone pessimist I think it's okay to be pessimistic but you cannot be pessimistic all time where you hate someone to even have a better life


and you always think that you need to have a better life than that person always having this comparison comparing, that is going on between to to , I competition is definitely healthy but definitely you cannot compete so much until you hate yourself I think that's one thing which I really hate from someone and on top of that I think I would say


err, ya someone who's very rude to older people I think I also hate the most uh past experience I think you definitely know what kind of experience I'm talking here about uh I do not want to pinpoint anyone now but in general I think these are the few things I really hate about someone


ya so back to you I would say, oh okay I think for the name said the same similar question as well what kind of person do you really hate the most


but uh I I wouldn't say you need to pinpoint anyone it's like a character you can think of like let's say


worry about uh okay what uh oh my god what did you often ah , I think you are worried about the future I mean ya I mean ya having proper savings for the rainy days I think that's quite important so I think that is something which I always


get worried like uh having enough finances so that I can I do not have to probably uh I mean definitely I mean that's one thing I always think it's not about borrowing any money or finances from anyone so basically that is something which


it will never come in place because I think I I manage my finances quite well but definitely there is also a worrying point because I think you as you know that singapore is a very expensive country that we are living in so making sure that you always have enough savings and also proper job scope I think that's quite important


so that I, tend to worry about this few on on top of that I think I would say I'm also worried whether, ya like you know when I grow old like will I be able to actually have a good health I think that's also something I'm always worried about I uh I tend to think at my like my grandparents like you know because they have a a so called uh my grandma was a stroke patient so


I just have to make sure that whatever health, condition that she has it doesn't flare fetch or or pass down to any kind of like my family like in terms of my kids or either for myself so I want to have a proper healthy life I think that's something which I always worry about on ongoing basis


yup so back to you vicky, oh that's no I think I will go with something oh okay, what always bring tears of sorrow to your eyes or is there anything of that or you don't have any


oh you


oh younger younger oh okay not anymore err okay


actually okay ah frankly speaking when I was younger I actually thought I wouldn't I would not even plan to get married I would say that's what I think ya because I always think that uh I mean I really I didn't believe that I would actually end up , settled down with someone I as in I don't know whether I would be able to handle


my privacy because I think when it comes to when I was young I always thought that being alone would be like a far fetch better uh life that I could actually have for myself, even when I get older so I never knew that I would be able to be very able to maybe take the person in and then share my privacy with them like you know my space with them or or whatsoever like


ya, okay when I was young ya I would I would say that I was pretty much negative right so like as in I didn't know that you could actually have start of a family you know think about maybe getting to know someone a a stranger and and and making that stranger as a partner I think that something which I've never thought I would end up having but of course


as you grow older you become more mature and then that whole I would say that thought never is no longer in my thought because, uh I think having a partner now is uh I think it's essential for me like you know it makes me a better person in life


so I think I really like that whole idea where it's it's that whole chapter is no longer in my mind anymore I became much more wiser in the sense that I know how to handle and then be more I would say proactive in handling


any kind of difficult situation when it comes to any family issues and stuff uh whether it's either quarrels when we have I always take now very positively which last time I think as long as you quarrel in a relationship I always think that it's actually bad it's not a very healthy relationship


and all this thing that was running in my mind which is now no longer in my mind because I always think that even if you quarrel I think it's a positive thing because you mix it two individuals stronger and then move on and get to know uh make us, know each other for better and definitely we wouldn't want to repeat our mistakes again so I think yup that would be


one of that that thing that yup , I would say that answers the question I would say ya so back to you on the same, err okay if you have any for this what sacrifices have you made for your loved ones but were not appreciated for it


but it's not are you sure that you're not been appreciated for it most of the times are you very sure on that


oh popular food that I dislike I think it's the hotpot hotpot chicken is that the sorry the hotpot Mala sorry why am I saying that hotpot Mala, I think it is nice or of course in, some I mean it's really popular right like every outlet you do see a hotpot Mala in every hawker centres Kopitiam I mean they do have hotpot Mala I think it's very I think it's very popular in singapore but definitely the reason why I dislike it is because I think the taste wise is not very consistent


among every food courts there would be a time where you feel that your hotpot Mala is very salty , I think it's not about the spice level because the spice level at least you choose the rating right so I think it's still handle you can still handle it but when it comes, so that that saltiness I think it's gross because they add it in the sauce itself so I think uh you really can't do much on the saltiness and then uh some shops definitely can make it okay and then some shops is really horrible they add a lot of salt on it so that is something which I really


dislike about ya so back to you , okay describe a time when things turn out not meeting your expectations was there any


meeting of your expectations, uh actually I would uh I think I have a couple of it definitely one of it was definitely helping out my mum parents place for house renovation, I think it's I had a lot of expectations like how the renovation is gonna turn up to and and of course I I did a lot of homework in terms of the ideas that I wanted to put into the house


like how the interior designer or or my contractor needs to actually do up certain things my ideas was all not so called most I would say wasn't properly done by the contractor, so there were a lot of debates going on in the ideas which I was trying to throw in it's either is he can't do it or he he probably did it but it's like not up to the standard that I'm looking out for


and in general I think I had a very bad experience because I think you would know that there was a time where he I was asking him to do a plumbing thing uh for I think the kitchen I think for washing basin like you know he said that he's gonna, do this piping will not be showing so he actually did this underground


like he put that type underneath the uh the tiles on top of the tiles so he actually overlay that whole piping at the bottom so telling me that uh don't worry there won't be any leakage water leakage and things like that so I I almost thought that yes it's gonna be perfect because it's really nicely hidden and then definitely


he just took about six months when there was a leakage to my below neighbour and then the water start, slipping into the neighbour's kitchen and then things were so horrible that I need to get into to work on around things to get to another new contractor to work on it to make sure the piping is all nicely done up so that I do not face so it's incurred like extra costs for me on top of it and also my expectations for the house was really


turned up quite horrible in the sense that I had to, to to really talk to my neighbour to make sure that you know she doesn't , like kind of like you know bring or or or maybe how to say as in we had like like a a little bit nasty experience I would think like she used to be at least smiling to me whenever she meets me in the lift but of course over the days because of this


sour experience I don't see her smile to me that often so ya so I think that expectations, eventually you wouldn't know that it's gonna get drowned until like you know it's gonna, built and and and make a mess of my life so ya that's one one thing I would think ya you know the current one the current house that I'm living in


ya the same level but the bottom level which is the, ya the seventh floor auntie, because you need to go to her house a few times right to check on like you know uh what's happening so you need to take some pictures and then show the leakage and then you know you you you have to ya do a lot of this kind of you know like a like a friendly neighbour is now no longer a friendly neighbour and that the cost is is because of your


renovation so it's it's kind of ya it's kind of bad experience I would say and I wouldn't want to have that kind of experience again so expectations wise definitely that didn't really uh meet up my expectation so on top of that I would, say maybe the expectations I would say I had was that's one thing another thing didn't meet my expectations I think in general I would say


of course , ya I think their food wise definitely I mean let's say ya like I think I'm I think I baked for you brownie that day right I think like about two months back I think I was trying out these new new a recipe for my brownies and then I put it in the oven of course when I when it came out I thought that it's going to


turned out very yummy like a sticky brownie which is nicely, baked and then you know crispy and stuff but then when it comes out I think it was all at sticking at each other and then it turns out quite not to my expectations as well so the food wise I think ya I'm probably need to work on to to to meet my expectations ya just two things I think as of now


back to you or is it back to me ya it's back to me uh let's see, oh okay this is gonna be quite sensitive so uh but I think it will it will be nice to ask you describe a time when you ended up a friendship or relationship with someone and why


oh okay then okay then probably the other other other term then


and it could be it could be a negative experience though because (ppc) because we are talking about this touch, point is really that about the negative experience so do you have any negative friendship or relationship with anyone before


it could be anyone it could be your family members or your friends


describe a time you felt trap or helpless err trapped or helpless oh my god to think about it well this was


okay I think there's quite a lot of times actually because, I think in general yup okay well I I think I think you you are aware that my grandmother got stroke when she when I was like nine years old, ya nine years old and then


I mean ya because she was my so called my caregiver I mean caretaker I would say when I was a kid so because my both parents were like working, and basically I think uh when it comes to taking care of me after school and stuff were definitely my grandma so when she got her first stroke by I think I had really no one to depend on


okay uh so because I came from school I mean this this was a total different , experience I would say extremely negative experiences mainly because you will definitely always rely on your grandparents for it to take care but then in this case it was more like I had to take care and have a different duty in life like you know uh when I come from school I have to like take care of her own uh essential stuff like bring her to toilets so either


and then also yup, putting food for her on on on on the table so this is something which I would say ya like I I would say I was really helpless at that point of time because I was too young to handle that kind of a sorrowful experience and and also not knowing what I mean why she was like that I think that's also


positive experience


oh okay there's so many things but of course let me just to name a few definitely going on a trip, having a relaxation time would be the best thing and also to do shopping in overseas would be the best thing for me uh it would definitely make me smile and on top of that I think uh when my hubby buys me any gift


I think makes me smile even more so especially if it's a expensive gift of course that will be the wonderful thing and then I think also adventuring into uh various cuisine , when it comes to food also getting to know a various kind of food tasting that I can go you know like various buffet tasting I think that will make me even more smile more


during this crisis period where I cannot be going out, much so doing kind of like being cooked, when my husband can actually cook for me food will it get me to smile more so I would prefer him to actually cook for me food so this is just a message that I'm telling you Viknesh


so ya it I mean if you can I mean there's one thing that can make me smile since you asking me what can make me smile the small things , so it's like kind of a gesture that you can do for me and I think ya these are like one of the few things that can


make me smile okay, back to you I would I think ya this is quite important like what are the three things you are most grateful for in your life


oh okay I without food you would be I think you will be having a bad time


okay that's true that's true ya agreeable, err appreciated for your hard work oh okay


describe your time you got appreciated for your hard work I, think got of course but but not of course by you that's for sure, I mean whatever hard work we have put in terms for cleaning the house and stuff I would I mean least likely to get appreciated unless I tell I tell you and then you


then only I get appreciated so definitely not coming from you okay but I would definitely say yes to a certain extent I think I got appreciated at work when I had to like stay up all the way until eleven I mean there was once I, think my boss actually kind of told me thanks a lot for I mean rushing out for a project that I need to do a handover and basically I think she she did tell thank me and then also also I think gave me a pen I think which which with the logo and then she told me this is the appreciation like keep it as a token


and then ya and I'm still keeping the pen so I think that was once I think I felt, really warmed by her uh her sense of gesture that she had provided to me and of course I think uh when I would also say there was a lot of times when my mom have actually appreciated for my hard work especially when she knows that


I'm the only daughter for her and then there are so many times but I need to actually let's say I have to do probably helps her out with household stuff where you need to do cleaning when she was probably very busy cooking or things like that and she do award me by bringing me for a good meal


so uh many times actually from from my mum I think I felt that I've actually did a lot of hard work for the house, or or either I would say I even it could be the smallest thing like maybe getting a electrician to actually repairs, anything for the house where probably you know she's so busy with her own work and stuff that I've contributed so that kind of moments I think I felt that my mum have actually showed me her kind gesture by bringing me out or spending more time with me and then appreciating me so ya


, I think yep the last one describe one of the most memorable travel experience


and I walk in the museums


uh walk in the museums and then uh I think buying some artworks was there also one of your most memorable time


I think it was quite nice right in the sense that I think it was your first time to travel so far like somewhere so far ya to a country because I recall that your memories of travelling was really uh quite sometime back when you were a kid so I think this was like a far fetch experience that you had like after


we were together I think so I think uh


oh uh, that is oh okay favourite activity to unwind definitely going to the beach I think that's like the best, thing I could ever think of you know any given day and then of course meeting up my girlfriends for a nice


drinking section I think would be also one of the best thing I could say like a cocktail drinks and stuff like that so I think uh if it really can unwind a lot of things, and then also uh and I think catching up with any friends who I probably didn't catch up for the longest time uh and also maybe have a quick catch around with them over their lives and our lives that you know and then also


I think recalling all the good memories that we actually shared when we were uh maybe in in the path fetch younger days and stuff I think would be really nice and I think it that's like one of my favourite thing I would always like to do and also , making sure that I think uh appreciating each other for your good times where they're always there because I think having to unwind with your friends it's something which uh I think an anyone should do on a given day uh because especially when the


life is so stressful in singapore I think that's the best thing you could do because you really can't travel much within singapore so , dude catching out with your friends making time for each other I think it's like, something which I would say that it's very relaxing for me for my mind and my body so ya that is that is something which I like to do can maybe back to you Viknesh what is one place you love to visit and why


you can always go back to that countries that we have begin uh I mean probably we visited if you if you don't have something new in mind


thailand is it because also in terms of the cost wise is also


oh actually uh it's quite sad to say it's only the question is asking for one so I think I will just keep it as one ah if not I would probably name a few , definitely if you put it as one I would think I would like to visit oh my god it's so many places that I wanted to visit but I wanted to visit sorry where's that place I I think I wanted you to bring me to


that country oh my god it's just not coming on my mind Hawaii Hawaii uh which is you Hawaii uh so ya so basically I think Hawaii is nice because it's the beach area and and it's very relaxing, and apart from that sorry if I wouldn't say Hawaii maybe I'll take back my word I would say Bali like going forward because I think that experience that I had was just amazing so I think Bali would be the best choice because I don't want to go with something new country which I


never been so Bali at least I've been and I have experience so I think it was like the best far fetch uh travel trips I had mainly because, things it's not about the whether it was cheap but it was more like the experience that you get uh with people and also the culture and and I think I like their night life so it was really good like ya it was fun I think I also also had like really good italian food there


I mean surprising when I went to to on a trip in italy I couldn't have that kind of a cuisine which I think I got it in Bali because it so authentic and, I think it was more for like asian culture tastes , that they have prepared all the food so I think I I indulge with a lot of amazing foods there and people were really friendly and then they were I think more like ya it was a trip where I would really feel like


I was been like really looked after I would say because I think we had we booked into a villa and then in the villa I think we had our own private cook who came to our villa to cook for us like for breakfast and then we can also go out for like


food like amazing foods and I think we had like some elephant rides do sky, what skydiving and then I mean I won't say skydiving but it was more like a scuba diving sorry scuba diving and then we also had like what


water rafting so I think this will like the amazing thing which I always wanted to do and I actually did it so I don't mind going back again and then experienced this whole trip with you be since with I never I think I never been to that trip with you so I think it would be nice to go with you


yup , oh !wow! okay I'll choose this what do you love most about yourself


yours about yourself


oh I would say I think I think I'm a very positive person to us actually ya I I am I think from what I used to be , because I think when I was in uh when I was a kid I think I I was pretty much a bit slightly more negative I would think in terms of


my thoughts and I think as I grow older I think things have changed for better I became very positive in life, even though if I have any failures in life I try not to actually look uh look at it and then I will just move on with a life thinking that things will change for better and also every failure experience would bring someone stronger


I think that is something which I think I've really have grown over the years and I think that attitude is really very important for every individual to actually have not only to improve themselves but also to feel happy when you are leaving so that you don't so


stress about things that is happening around you I think that that is really I'm blessed that I said that I've I I'm very positive person who tend not to look at negative things that it's having around me so


I mean it have helped me I would think uh definitely having this positive attitude I think even though when it comes to any kind right work situations friend situations or either family situations unable to actually, bring up myself and also move on in life


not thinking or maybe only picking on the bad things that have happened I think there's also something which I always tell myself that is better things that would come up when there's like always bad experience will bring up someone to so I think ya that is something which I really love about myself


back to you I would, say okay, ah maybe you should talk about this what are the three things you admire about your best friend or partner okay you can either choose up if you have a best friend you can and say but if you don't have a best friend of course the emphasis is on the partner so it's in bolded word


oh okay uh I think this will be a a very fast kill question for me I think the first thing I will definitely say is basically I think I like the whole part where I like what you said you basically try to always improve yourself, to to be someone better I think over the years I've seen you grow you will not stagnant with something which you are always satisfied in life and you


you are someone who I can actually even I think I've learned from you a lot because I think you you trying to improve in life you are not satisfied with what you have you always want, something uh that can make you a better person uh every day I would say so you like to learn a lot and be very wise I think you are in terms of when it comes to any kind of advice or any


anything which I probably think that I can't maybe make a decision I think I can always look up upon you so I think you are definitely a very good I would say more like a legal advisor for me in individual prospect in in terms of life , I think uh that is something which I always admire and on top of that I think


unlike you how being a very chill pill person you were never a a stressful partner to begin with you're always very, lenient in the sense that even if I make a mistake you don't over I would I would think ya you you do not like stress me or either let's say if I cook something for you and you probably tasted even though how awful it is uh I mean


ya maybe the statement will be very true fact that I like the , the personal thought of your your your your uh I would say your your opinion that you share with me saying that okay you know the food sucks like you know please do not cook this kind of food again for me , I mean I very straightforward so at least I know by one glance that food didn't taste


good ah would then try to maybe bring that disgusting experience again for you so I try not to cook that kind of food again and on top of that I think ya I I think I like about you you also have that very good travelling like you would like to travel to countries right so basically I


similar to me uh in the sense that, you like to explore new places I think and on top of that I think you appreciate the culture you do not condemn any culture because I think you also like to experience in each and every culture so I think you are very easygoing person which uh


which I really maybe admire I would say because I don't think these three qualities are very important for each individual to get along with each other which I think I admire a lot on that perspect


sorry uh which one is it, third one oh describe the best movie is it, oh best meal oh , the best meal many actually but to think about it oh japanese food uh the buffet food


I think that's like the best meal ah even ya we I think among all the food I think if the quick one that I can think on my mind is definitely the the buffet uh the buffet meal that have the soft shell hand roll crab, I think it will so yums like ya and on top of that I think I like the hotpot I think hotpot chicken with I think what do they have like with omelette I think that was like very nice I think japanese food is definitely my first choice when it comes to the food that you are uh think


of course I can name more like definitely the second choice will be the indian food which is the Naan and the butter chicken and Tandoori chicken ya it's really good yummy, uh cannot forego but since you only ask for one I'll say these two but of course if you gonna ask me further I would say thailand food of course thai food ah ha is you can never go wrong with thai food right basil chickens ya so that's that's all


okay, ya (ppl) all the yummy food (ppl), sure


finance okay , okay Amutha what is your investment strategy and how do you plan your investment portfolio and how long is your investment horizon


buy low and sell high ah, ya I mean uh I think that is the uh basics one O one I mean they always buy low and sell high ah but I mean you you can also do the reverse where where you


sell high and then you buy low right through options trading or through CFD but I mean if it's true the basics are stock trading than you you always want to buy low and sell it high, uh but you know ya that is that is the best strategy actually


uh yup so my turn now let me go back to point number two uh what is a risk appetite when it comes to investing and trading


ya so I do invest in the stock market and I want what do I look out for when investing a stock is basically you know a few


a few criteria that I look out for you know is basically is the company uh do they have a good economic mode that means no is it harder for competitors to enter the market which they're in ah do they have a good consistent cash flow over the last like ten years and see that increasing uh good revenue uh


what else do I look out for and so generally in the last ten years I mean I look at the price action though to see whether I know have they been moving up over the last ten years so few criteria that I look out for such as this you know a good customer base good uh sales records a good economic mode


and all of these I mean would them determine I mean uh whether do I buy the stock or do I look for the stocks, yup that's it going back to point number three uh, sorry


ya ask my question right ya so let me find a, do you think investing or trading is similar to gambling point number eight


ya so I used to have a, automated investment portfolio no they are companies out there that does this for you right so you just so you just started what you want to I mean what kind of portfolio you want it and then they will turn ah invest on your behalf so it's the automated and then they will agree balance the portfolio depending on the current market conditions


ya so I used to do that ah but then I realise you know uh that the returns that they were generating were not sufficient to match my own personal uh investing or trading lifestyle I was able to generate more returns than what these guys were doing so hence I've


closed down uh these automated portfolios, yup ya so that's the answer to your question uh my question to you next would be


point number twelve discuss the recent performance of the current stock market


ya the question ya ya ya ya it's your turn to ask a question


ya one of my thoughts uh so it's a double edged sword right I mean so when you do leverage is basically you are maximising your returns, but you're also maximising your losses right so when you eh so when you win you make you make good money but when you lost I mean you also lose more than what you have invested so


one needs to be really careful when you're dealing such leverage products if you are really good at what you do you can make really good returns and you if you have good risk management uh measures than you can cut loss and minimise that losses right so instead of having huge losses


you know when to cut your losses and the minimise those before it before ya it increases to what it could it could have been, so so that so that is my thoughts right I mean, it's really good for the ah sophisticated investors who knows what they're doing when they do such a leverage products because you know what


you get in like one two months for like the unsophisticated investors I mean you can make a lot more but then again I mean you need to manage your risk so you need to be actively allocated portfolios you need to be actively reading up a stuff, and then you need to anticipate where it's going to go, so ya that is my thoughts on using leverage is good but it can be also be bad if you don't use it correctly right okay next question


point number fifteen are you familiar with investing and if if yes how did you start if no why not


okay so CDP I mean are central depository uh central depository something is when it's hold by the government so again I mean because it's being held by the government you pay a bit more on fees compared to a a custodial account


uh but then again I mean if it's a long term investing I will suggest you know let's go with CDP because, you're not actively trading it you just buying it once and you just holding it for the long term so because of holding for the long term you wanna be sure that the shares are being held in a reputable uh


in a reputable place which is which which in this case is the government right so CDP definitely for a long term investments but you know custodial account you know if I just going in for like holding a particular stock or a security for a few months


then it doesn't really matter because a custodial account would be much preferable because the fees are lesser there's always a risk but then again if it's a good custodian account like DBS vickers CIMB securities I mean you know that they're not going to go bankrupt right so


ya so it depends on which one for me if it's long term investment I'll go with CDP ah custodian account if it's a short term trading, yup okay my turn, uh, question number fourteen should I invest with a financial advisor or or should I invest on my own


and why


so if you're investing for the long run then definitely time in the market matters because you know historically, if you just hold it for like ten twenty years you will gonna be doing way better than actually trying to time the market


uh if you time the market I mean you're gonna be losing uh you you gonna be losing those one or two days which is going to really pulls the returns of your portfolio right because historically , there's always like one or two trading days that will have a gap up in the pricing of the underlying stocks so if you miss that and then you come in later on it's gonna drastically affect your portfolio right so always be time in the market rather than trying to time the market because


unless I mean you're god I mean you know when the stock is going go up or go down I'll I'll suggest everybody to just uh be invested in the market, for the longest time and that will be a much better strategy that rather than trying to uh find where's the next buy or where or where's the next sell right so always be in the market invested in the long run


okay uh for you, point number eleven how would you recommend a student or a or a beginner with little cash at hand to plan their investment journey


, I prefer a non actually but if if I have to choose one I'll go with ETF uh because ETF I mean has got a lower expense ratio compared to a unit trust


alright so ETF is basically a bunch of stocks are that , ah that is put together and is being tracked right so in uh so if you take a singapore ETF let's say the singapore's straits times index it's gonna be a bunch of like the thirty biggest companies in singapore and then is being tracked performance right if you looked at a unit trusts or similar unit trust then that would be like a Nikko


uh Nikko AM asset management so what a unit trust does is basically uh it's being professionally managed by a team of experts, and because they're managing that it that unit trusts you have to pay them uh what we call management fees right so and when you pay those is uh is always higher than what you would have gotten if you have just bought an ETF instead


I've sort because there're people involved there's management there's a board of directors involved you have to pay a particular fees, for that expertise so and and that fees are it's on like a annual basis and when you put that altogether over the years uh that expenses that they're paying will actually uh affect their performance portfolio


compared to know if you've just uh bought the ETF instead right uh eight more seconds uh so yah go with ETF, don't go for unit trust thank you


negative experience, okay uh okay Amutha easy one for you what kind of person do you hate the most


the what uh what kind of person do I hate the most either me I don't really hate anybody I mean I just uh


I think they just it's a good question if I hated anybody , it, ya I mean correct correct I mean, ya mean I don't really hate them because you know they just who they are at the end of the day maybe you know it's uh it's it's biological law you know


that a bad childhood so they could be, who they are because you know something happened to them previously with with we don't know for sure so I don't really hate anybody I mean but no if I had to hate somebody, uh who would I hate


uh like how you say you know somebody that do not have respect for people so I think that is something uh that is uh not welcome and uh not really have a reason to being that kind of uh to have that kind of characteristics right so


ya somebody who don't respect other people right so ya that's my answer , okay uh my next question is


(mmhmm) that that same question


uh, what always brings tears up so I don't have any, uh but what always brings tears of sorrow to your eyes uh what always brings tears of sorrow to my eyes ah


watching sad movies oh no I think watching sad documentaries I think that always brings tears to my eyes for some reason you know where , you see people uh or situation or animals uh ya in the past situation and or could be climatic conditions could be you know uh of something uh that human beings do so


that put them in a very uh disadvantage uh or in a just horrible situation I think that was bring speed tears to my eyes because you know that's that we are living in a very comfortable world but there are also people out there who are suffering


and that no much thought or or uh, solution is keyword to these people because they don't really matter right so I think here we are when I watch kind of like documentaries I think that is what makes me sad


or worry and always have like a little bit of sorrow in my eyes right just a little bit, uh ya that's ya so, my question to you


do you what do you believe in when you were younger but not anymore and why, ya what do you believe in when you were younger somewhere in the middle ya


what sacrifices have you make for your loved ones but were not appreciated for it I would say moving into, your place right so I think that was the bigger sacrifice coming from


coming from where I used to be right I mean I freedom you know my own my own room, and to do my own stuff so like coming year you know all the sacrifices I've uh done in terms of you know not having to be aware of of my surroundings and they're not being appreciated as much as or what I would like it to be right so


that is uh ya but were not prefer ya I think ya that I think that answers the question, yup west west , ya I mean ya you're you're always make noise I mean say know what you live it up and you ran off so ya I mean uh that is uh I mean up as in uh I am appreciated but not as but not as much as what I would like to be appreciated


right ya for me to you would be, !wah!, dude what popular food did you dislike and why


describe a time when things not turned out not meeting your expectations uh describe a time describe a time, uh


nope I've always uh I mean because I always believe that once you not have an expectations either from a situation of


somebody so I've never been uh I've never disappointed let's say ya let's put it that way I've never been disappointed not that I can remember, ya uh not meeting my expectations ya uh


same question to you then describe a time when things turned out not meeting your expectations


the the current house or is it the other house oh okay okay okay, and which neighbour you are referring to is it the one in the same level is it different level


me not cooking ya then next


ya okay I think is you ask me now ya


your friendship or relationship with someone and why why would it be


put on to me I mean I've never ended any relationship or friendship, ya


negative friendship or relationship ya relationship I mean uh


are you referring oh I think I mean I think ya, or a family ah ya friends ah the the in the K names should not be mentioned but I think you know, who uh the guy who never come from for the wedding yah so yah uh describe a time when you ended


I mean they're not I mean they're not really ended officially just that we're not seeing each, other ya but ya but no let's see what excuses he comes up with the next time when we meet up, ya I mean so ya I mean, ya ya ya ya I think that I think that answer the question ya I think that would be a friendship uh that is in question mark at this current juncture


uh ya uh there let me ask you the same question too not uh let me ask you a different question describe a time where you where you felt helpless in the next one minute


ya the first one


okay


positive experiences, okay I will begin ah okay so I'm ah question one what's the small things that make that always makes you smile


ya ya ya it's not gonna happen but ya


three takes ah !wah! okay one is of course family right uh have a great family uh my immediate family and so now you Amutha my family uh so that's one thing family uh second thing is


second thing is actually, I want to say friends but ya I would say friends yup they in fact very important in life yup that's second thing and third thing is


third thing is food I I mean what ya, yes having enough food not just having enough food having good quality food I think uh something that you have you have to be very grateful for in life, ya these three things yes okay now next would be


describe a time when you got appreciated for your hard work second last point, ya I I think don't have right


very good your question


!wow! uh quite a lot uh most memorable travel experience, I think when you went to thailand ya I think thailand was fun uh had good food and the places ya


oh no I think was like italy uh ya our honeymoon trip so I think I think ya that was good too, uh discover a lot of stuff had good food uh travel to, places mainly france ya I would say there was the walk in the where


yes yes yes correct correct correct it was in Rome right ya awesome ah, okay ya ya I mean I I mean can add on if you want


ya to a europe country yes yes yes yes


ya ya I mean uh correct correct correct to european country not ya never recently, until this trip ya it was awesome nice uh my turn


describe your favourite activity to unwind and relax


there's one place you have to visit and why err , actually a lot of places uh but if I to choose one, actually like uh ya


ya ya ya ya I think that's good ya I think I mean thailand ya I mean I love thailand so ya I mean why not going back there again you know just to do what we do best doing nothing right


so I think ya I think thailand uh as I said earlier all all the stuff that we did shopping eating walking around dining right, uh ya, thailand, ya, ya exactly so everything right is cheap uh the food is really good compared to singapore ya then let me ask you the same question


which is the one place you like to visit and why


maldives oh Hawaii or maldives, oh okay


outstanding or break an extent of, your question to me


oh !wah! too many things man uh what I live up on myself or yourself what the oh about yourself ah myself, ah what do I loved about myself love most of what I loved most that I like to always improve myself


right so be the be career or my personal life always trying to be better than I was right so I think that uh pursuit of working hard uh is what I like about myself


ya, then let me throw that question to you again what do you love about yourself


ya I know I know that's why you're going uh three things that I admire most about you about you ah


ya I mean no I think you just brought out ah the first point right that you are always positive so I think that's good in a relationship and also good in life I mean uh than on then no matter how bad the days or the situation is that, so always gonna turn out better at the end of the day right something that's a good thing to have uh that's the first thing the optimism the second thing is


actually actually quite a lot but if in I have to list them down would be you know that you very caring that you always care about me and also about your mother a lot so I think ah that's very uh admirable and the last thing would be


that you just very sweet, I think ties back to point number two I mean of the caring part right, so ya these three things, ah back to you the same question what are three things that you like about me


okay


very good uh next easy one what is the best meal you ever had, third last bullet point


the best meal,


ah okay okay okay okay okay


ah okay, eh eh do you have any personal insurance or not


so what what what kind of coverage do you get with that, plan,


what what kind of ward coverage did you get like is it like ward A or is it private, oh, okay, but then how much premiums like how's how how's the premiums like how much you pay per year, oh ah okay


so by the time you start working then you have to like take it over yourself lah from your own CPF yeah, okay, but I think like for mine also it's like like I also have a similar policy what I think mine is only until like class A wards lah ya then the SOU is the same thing lah is like covers almost everything and like all hospitalisation and like injury and stuff and all the costs


but yeah yeah yeah then the premiums also it's like paid by my parents for now like, ya, ya definitely of course leh I'll be earning already then money will be going to CPF but mine is by the NTUC income shield you know think I think whatever reason why my parents chose it was because because like I think they had the main plan is by my parents then it's like


the kids me and my siblings is all like just like rider under the rider scheme yeah so you just add on, yeah (hmm)


you know


oh


oh yeah, actually I don't know cause like I remember I think our insurance like agent for it he tried to get me on before like what while I was walking back from work one day like you know those like err agents at the MRT that kind of thing


ya just like decided to be nice and like just entertain them for a bit that they actually like set me down and try to talk to me about like my financial planning and stuff ya but I think like cause I actually kind of pre read a bit and like from NS lah I just hear my friends talk about it


I think like endowment plan you must really be careful on like what exactly you're signing up for cause like I know like, it's like different aspects of endowment plan you can use it like in terms of flag for as for savings or you can see is like investment or, the last list like what for the coverage you're getting with the endowment plan cause it really depends on what exactly the plan states ya so it's very subjective


but in in in as a whole also because I actually talked about it to my parents also like endowment plans, are very like restrictive in the sense that you always have to pay that amount every year you know and it's like a lock in thing and then what if you want to take it up earlier than you have to pay like a penalty or stuff like that


ya so I think even if you want use it as savings or investment I think it's really more worthwhile that you just learn and do it yourself you know or like, talk to maybe people who are because you definitely have friends who are doing investing as well you know and learn for yourself all from the online resources


or rather than like having a endowment plan ah that's for me ah but I also heard like from my friend he was saying that you can use endowment plan in terms of like just diversifying your portfolio you know uh instead of just doing like different kind of stocks and stuff


ya , ya I think


uh I ya so I I also sign up for that like while I was in NS lah, ya actually I I think I terminated it ya, ya because like the reason why I got that also was because of NS you know because I think like it was just like a period of like increased risk so that's why I I felt that okay maybe I should just get this like in terms of like additional insurance from what like any personal accidents that happen throughout my time in NS because I also like in the active unit


so we actually did like a lot of outfield trainings and then we did like a lot live firing and stuff like that and we even went overseas so I mean like the risk there are higher probabilities for me getting injured during this kind of risk like more what is this just physical activities ya so I I just wanted to play safe and


I think that, throughout the group term life plan is it AVIVA ya it was quite a good coverage ah and it was quite a good rate yeah, so ya I did I did sign up for that how about you, ya


ya,


(hmm) oh he say


you mean like after you leave the like after you leave active service ah it'll be hard, (hmm)


oh I see,


ah do you have the what's this I think like after you ORD your I don't know for me it was like a automatic enrolment into this like dependent protection scheme is it that deducts annually from your CPF, ya are are you still under the DBS right ya


, about your yearly premiums is it, uh ah ah yeah


ya, is I think , I think definitely not enough for you but for me it's like I think I actually I enroll I just and canceled the policy like this year yeah cause I was thinking like to try and like find my own policy


on my own cause I I was just like at that period of time I was just doing a lot of reading and I just found like maybe this DBS isn't really a thing for me then like it's literally no point me paying this amount every year you know cause it has been running ever since I ORD I did so it's been running for like


what about close to five five years coming to five years ya, ya so I think I would just getting another one ah but I haven't really decided on what exactly in terms of like what like uh term or life plan to get, yup are you a !huh!


it really depends on you like what kind of coverage you want are you are you interested in this kind of term term plans, yeah yeah yeah yeah (hmm)


then maybe what what you can do you can just like increase the coverage ah I guess or the amount cause now it's like you say it's only what about forty five thousand right yeah, ya then ya so is actually not enough I didn't really go anywhere ya


I think I I think I may I maybe or like once I start getting like start working in getting my own salary I think I'll consider start considering like uh critical illness ya, I know like recently like the past last month they just revise all the critical the definitions for the critical illnesses for the policies ya


so I actually that that kind of got me started into this reading a bit on what this critical illness policies is all about, by that time they just keep saying like oh you should've hurry and like sign up now, before the definitions change because like I think other new definitions there you will be covered less or something like that I mean like at least that's what all the insurance agent or my friends are we putting up on like


their social media and I try and get I think it was also a bit of a marketing gimmick to get people to sign up with them that kind of thing or like ask them more ya I actually cause I also didn't really know and he didn't really have that much info and didn't want to adjust jump on and say okay I really need this without really understanding it


ya so but I think for now based on my understanding I think it's quite important I guess like it just in case if you have any of those critical illness like maybe cancer or like a, what high blood pressure or that kind of things or diabetes ya ya so like I it because it's always better that you sign up when you're healthy compared to after right ya because you have to pay more


, how much per year, oh ya about there


, (hmm)


that's true,


the technical terms lah you also don't know ya okay, (hmm) (hmm) you feel


I think if you are in you envision yourself to live very like healthy like healthy diet healthy lifestyle always exercise regularly I mean there will be very very low chances of doing getting this right but then it's just like oh that fear of what if like it can always happen no matter what yeah


ya that's why that's the thing like maybe especially for like all those like term or life insurance I think maybe I'll only hop onto that once I start having like dependence like maybe starting a family you know, I don't know maybe or just before I I start a family because I really don't know how like the payment or the premiums so like is it is it different if you sign up before you're married or after you're married that kind of thing


ya but I think the most beneficial I mean is most beneficial when you have a dependence ah or so like actually someone really needs that payout just in case you're like the main breadwinner of the family or something like that ya, (hmm) (hmm) yeah


I think for critical illness you know it's like it gets more expensive the older you get right is like age dependent is it, (hmm) (hmm) true (hmm)


so like over that one week, ya I was there a few weeks lah so like you said I was broken up trips so every every of those broken up trips I actually got extra insurance extra travel insurance ah or coverage because like our for one main one thing also I was like going alone so like


I want like at least someone to I mean that the assurance that I'll be covered just in case like because I'm skiing alone and I get into an accident and then I end up in the hospital so he's like okay I got this insurance to cover where I stay you know compared to okay lah even if like you were travelling with like friends or family I mean


you will still want insurance but at least if they're there than you don't have insurance then okay maybe they can help you like arrange or get the funds for you or like pay for you first you know then you pay them back but then if you're alone is like really you have to cover yourself right ya, so that's why I always make a point to like all those like trips that I have like higher risk or even like road trips you know road trips with friends ya I will also get because like the risk of accident and stuff ya then you also should always read the terms of their travel insurance like what exactly do they cover


ya, so err how about you ah I think like you you also just went like for a road trip right like a few years ago like did you get insurance,


(hmm) , ah is it is it accident or something that you have to make like you have to pay a lot or something


(hmm), ya I think also like one thing also I think like some travel insurance also they cover like uh like even basic things like uh your luggage or baggage damage is it like when you fly cause like maybe they throw your baggage around then like it breaks or loss is it


(uh huh) yeah, [orh]


, no ah I


see then you would have ya gotten like refunds for your flight and stuff lah ah okay, oh


yeah it's true, ya but at least it's lucky lah if it's just okay I mean it's still bad but at least it's just KL which is I guess the flights are not that expensive right but then in your hotel the hotel course definitely was burnt ya


negative experience


(hmm) negative experience with my life ah, okay I think maybe I could just bring one up from my recent trip to canada like one of the exchange I think it was really just a bad moment in terms of how whatever I plan did not go through


eh so like okay so I did uh like a ski trip, in vancouver then I was supposed to fly over to toronto then I will stay because I go flying into toronto quite late so I have to stay one night in toronto, then head to my university uh the place where I was staying from a university ah


then I think it was just such a bad time because I actually missed my flight from vancouver to toronto, ya so I had to take the subsequent one which is like two hours two two three hours later ya so I landed in toronto like I think past midnight


ya so it was really quite bad because my original plan was like to take public transport and all then like it was such a mad rush, to get to the train station to I think I took like one of the last few trains ya and then to end up at this train like the main train station then I had to walk to my night accommodation in toronto


yeah so it was really so late and I you don't I really didn't know where I was, and I think at that time I still read it didn't really have like good internet connection for my phone so like all my navigation was really based purely on screenshots ya


so like so imagine you're in a town like like a new town for the first time and then it was past midnight and I'm only relying on screenshots and like map for navigation to find my accommodation ya then, thankfully I think okay even though I manage to find my accommodation like fifteen to after twenty minutes of walking with all my luggage then once I arrived at my accommodation it was like


I don't know it's like I could just couldn't get in like cause I I made a booking through like booking dot com then, I just couldn't get in with the details the check in details because it was a self check in thing cause I came in after midnight yeah so I was like suppose to enter a code into the door but it wasn't working so it's already past midnight then I didn't know where like who to I was trying to call the owner of the


space ah but then he wasn't picking up ya, then I think after like twenty minutes of waiting outside in the cold with my luggage than the owner finally picked up ya, then I told him that I couldn't get it there's something wrong with the check in information that he gave me then he said oh no


what you mean I, but we don't have any bookings for this address so like he was telling me like what ah I don't think you are supposed to be here have you actually made payment have you sure you have the correct booking, then like I don't know I just in that moment when you really all you just want to is really like you just get in somewhere and like keep warm and like put down all your stuff down you know but then now this person saying like oh you don't have a booking ya I think that was quite bad ya then I had to like uh dispute with him and then like try


I think initially also because like this place that I book was quite a cheap location because I only staying one night so it was in like the I think like the cheaper neighborhoods I mean like cheaper districts in toronto which is actually very near like


the places where I wouldn't say like lot of crime but my friend told me that just don't stay up so late alone at night in those areas ah, so it's like really just very quiet streets then you just see like people hanging in the alleys and stuff like that like as cheesy as it sounds it really was like


quite creepy I guess especially when your first time there and you don't really know the place you know then I just felt very exposed also like travelling alone with like two big luggage bags going through this neighborhood past midnight yeah, so I think that was quite scary for me ya and ya


I really wouldn't want to relive that experience again, ya so that's just like on top of my head like what happen how about you like what's the example of like a negative experience had maybe this past year


(hmm)


oh


incident that I'm really angry about, I think like one experience I guess was, I think that it still really bug me a long time was like uh I think just that the competition I mean is like the SYF competition that we had like all the way back in like secondary school like sec four ya


I think like cause the basically like that competition just like !wah! just already train up so hard for it you know like for I think close to a year plus of vigorous training very hard for that competition, like then especially like the build up to that competition like I think like the four months three to four months prior was like really everyday after school training you know on your own especially like cause it was just like a very individual category


ya so like training so hard everyday on your own hoping that it will actually be, it will actually help you made you better during the competition you know where actually when the date day day day come when the day came then I just crack


ya so it's like, and it's not it's like let it was like quite surreal I guess like during the performance twice uh sudden performance and I just, it's like all the things that I wanted to do all the things that I rehearse in doing it on the performance it's just it just wasn't happening ya so I I don't know if you remember but like what exactly the performance was about is like uh some like mace twirling competition ah


so it's like I mean like we do all the sorts of stuff like uh like gimmicks like throws and movements and stuff like that yeah, ya so like even those throws like I was like when I was rehearsing you will be like ninety five percent confidence or like close to hundred percent always like throwing and catching it by then just during that actual performance day it just wasn't working ya it's like even for me is like to now another


you know, I don't know it just it just baffles me until these day also like why it didn't happen or why I couldn't do it ya, so I this I guess I'm very bothered by that like how and also like how I guess a lot of people were also like hoping or like had their hopes on me you know because like for this competition like the school hasn't won it for like for the past think close to the past ten years ya


coming to the first but past ten years that time ya so they were like banking on me then said oh this guy has the most potential and that kind of stuff but then and like at least during training like I was that convincing but then during the actual performance I just broke, ya so then it is like living with that uh I guess that shame or like guilt that I let everyone down ya


especially like there were like so many people watching ya it's like thinking about it until these days also like , it makes me I guess kind of, overwhelmed I guess ya


a bit to a certain extent ya, so it's like just a very deep seated, form of like uh, sadness and like shame I guess that I still hold to this day like even though it happened like what more than eight years ago


yeah yeah , in the end I didn't lah because well at least for my individual category I didn't win, yeah yeah, so ya


and the worst thing is like you can find it on youtube and rewatch !huh! yeah so it's just I don't know it's just a very very bad lah like to relieve that painful moment err I mean like, it's like recorded in history I mean you know like there's evidence of it happening some more you know it's not like something that oh after a while people will just forget like but then after awhile people who want to relive the moment also would just see my failure or my performance you know what I mean so it's always there


so like I also don't know when that that day will actually come will actually will be able to like just accept it, and like be and feel indifferent when I watch it I guess, ya so I think that's like one of like the personal saddest moment like personally lah in terms of like my personal failures I guess ya


, yeah


, uh


I think the one of the worst things ah is like after the whole thing happened ah because it was like a individual category but like the main category the rest of the school actually won but it's just only my own personal category I lost right is like how I just had to suck in that feeling of this failure


and not like spoil the mood for everyone else you know because it was just such a happy and joyest moment for the school but then like for me it's just like oh you messed up yeah, and then I didn't want to like spoil the whole mood by being like oh this guy is like so sad why are you all celebrating that kind of thing but then like to the whole school it was like just ah happy joyous moment yeah I think that part was really one of the worst things that


I ever went through you know just like really just suppressing whatever I felt for close to like I think, first wave of like just very strong uh


uh, negative emotions I guess, uh so yeah then I still remember like I think a few months after like our discipline mistress, I can't remember like when we were when you remember like when we had to stay back for like some detention or something yeah


to pack envelopes I don't know if you remember, uh yeah then like okay her name is like madam H, ah yeah so like we were like packing the letters then like she just came up and let casually ask me like eh that like that time when your performance like you you had like all those like you didn't manage to catch all those throws and stuff like that how did you feel lah


that kind of thing like she just ask like very innocently but then, I don't know like I don't know it just like struck me straight in the heart is like I know like she did she really just want to know but then like it just like I don't know it just feels so painful to like go back to that moment you know


ya and then the same thing lah then I just act like oh it's nothing for that actually, deep inside it was quite painful, yeah


I think it's just it's just that one moment I mean like that one thing ah I just, feel feel very strong emotions to I think it just stick to me like true throughout no matter how many times or how how many times I tell the story or like how long after


yeah (mmhmm) yeah


(mmhmm),


(hmm), (hmm)


I think like were if you were to see her again would you hold it against the or like just have that grudge


(hmm) I see


positive experience, okay, are we doneeh what's the one place you love to visit and why


yeah, for me like maybe one country ah that like you love to travel to or really would want to travel to


sorry tromso tromso oh !huh! why so, okay why


so it's winter ,


you didn't answer, so I mean is is the sun doesn't rise lah so it's always night oh okay okay


err


interesting, oh


were you there over christmas like do you get to experience christmas there or you, oh, oh the aurora ya


(hmm), but was it very bright though because I know like some pictures like you see online like they always like uh I don't know up the contrasts or something up the brightness so they can really like !wah! it's very bright but I I have some friends who actually went like in like the northern part of canada to see yeah that was like very it was dimmer lah how to say like they told me it was quite dim


oh !wah! , (hmm)


yeah, !wow! err, ya that'll be quite cool


how is the uh weather wouldn't it be very cold if you are standing out in the open, , actually it's not all too bad actually


, yeah, yeah so mesmerising , yeah


still be nice ah, I think maybe like one of my favourite places to visit and I like and I still want to go back it's like japan lah I think I mentioned this before ya I think I just really love japan like everything about it the culture the food and the stuff ya especially like ever since I pick I started picking up skiing like


there are like so many ski resorts in japan that I've yet to go to and so far I've only like covered two, like one is like Hakuba which is like the main main island of japan and like, Niseko which is in northern part but then there are so many other places so many other like resorts along the what's this the japanese alps ah that I can go and visit ya


then also the thing is like I only went to japan like only during the winter and winter is like already very nice you know like very nice weather and then like can get to do like all my skiing and stuff but then I think I really want to go like during the other seasons also like uh I think like during spring we can see like the spring blossoms ya


and then I think just see like the whole country in a different colour, uh maybe quite enlightening, you know yeah the other deal, that I don't know I just feel I mean just like I think like I think the best thing about travelling it's just like everything is new and you don't know what to expect I guess just seeing things you know like just discovering and you get to like in a way like just disconnect from your responsibilities and your worries I guess


ya so you're just there and like you're just exploring you don't have like any worries or like any pressing deadlines that kind of thing about your life behind you just leave all of that back in here in singapore, ya ya, so do you have any like current trip ah plans for like post grad trips like okay assuming like COVID is over


, oh yeah your, yeah I was just thinking of like new zealand is like a very far away frontier that have yet to discover


, , , ya but australia winter is like very nice sweater weather right err


(hmm), , actually right if you really like snow right you should really try ski like one day I can bring you try go ski I think it's just really going to be very fun lah I mean like


I mean at the start like you will be very scared because you like uh just seeing like the slopes and stuff the the height and all ya but then like once you get the hang of it and you're able to just ski alone I mean it's very I don't know for me I find it very therapeutic, cause like at one time like you can be like uh just so scared about scared for your life you know like oh my god this is so steep how am I'm going to make it down then I'm just going to slide all the way down you know and then like at the same time you know that you you're able to control and like avoid the trees avoid the people that kind of thing I don't know


but it's just very fun especially when you take the like ski lift all the way up to the top of the peak then just like it was a clear day then you can actually just see the whole valley the see the ski village down and then like for example when I was in like canada then you could see like the frozen lakes in the mountain ranges !wow! it was really very beautiful


err I think you're from some look of it that's also you're very I think you also are quite interested into like uh all this like nature right, ya like all national parks and stuff


true , but how about hiking though would you mind hiking like hiking ah it's quite nice right


, (hmm)


(hmm)


what did I want to say , okay wait ah ah, because you're talking about travel err


I don't know, will you uh real, oh yeah I just like recently I watch the this movie like tenet have you watched it, by christopher nolan ya oh


how how how do you find it yeah was it good, is it, well


oh the part where they actually reversed audio is it,


, why did you watch it while there's no subtitles


I mean I think you can choose like what you choose like yeah like some, ah, I don't know but I really like enjoyed the movie I think like christopher nolan still makes like one of the best movies out there uh in terms of like they he just as I mean like


some new storylines can be like damn confusing from the start but then like it just like very thought provoking and like really forces you to like want to focus in every scene you know, not like how the you know like some movies like it's just so like cliche and basic that you can like kind of anticipate what's going to happen or like I think I mentioned before also like always like to put in like small side stories just to lengthen the plot like really yeah but then like christopher nolan does like really good movies that really ah it's like thought provoking and stuff


uh actually actually he loves his movies lah like everytime when I see him releases one new ones is like always make it a point to like, he's like only for his movies always make it a point to catch it in the cinema, ya


yeah yeah


ya it's true


okay, eh what do you usually do like what's your favorite activity to like unwind and relax, to de-stress


are you sure !wah! you're really lucky,


what do what do you usually like to bake though, , of the


I see, but now I assume you you got much better at it lah right,


the chocolate lava cake, over the summer


, I tried lah I guess like during over the circuit breaker period yeah I think it was quite fun but then, I think like I tried this like making this fruit tart like even like tried making the pastry myself !wah! there was like such a painstakingly slow uh task so and making the pastry cutting it forming it oh yes so I think it was really for me


but I think like why I usually do like to like really unwind relax I think for me it's just more of like just being able to like shutdown my mind and just like take things in like in a sense that maybe like ah just go to open spaces or like maybe like go to the park go to the beach


and just like chill like really just sit down and just like, take take the scene in I guess like like you know people watching I don't know if you heard of it ya that kind of thing ya like people watch or like just uh watch scenery watch nature ya


ya so it's either I just find it very relaxing I guess like be able to like you just shut off and just like observe, you know uh, like just so fade away to just really relax and not think about all my worries and all the stress just to give my mind that little break ah I guess ya helps me really to cut off


and I also think like a good point also like is like to get there I I would always like uh cycle ya and then cycling also is a good way for me to like de-stress also lah like just exercise lah, you know ya


yeah we should really like get go cycling together one day yeah, (hmm) I see I see


no, what was the proudest moment of your life, I want I want to know what


, okay maybe a question you can ask you can ask the next question, this meal I ever had !wow!


this is a tough one okay I think of my mind right in terms of like just like really the first one that comes to mind is like really in australia, and I was like uh I were like while I was on a road trip then I we stop at this like small uh lakeside town then we had like just fresh seafood like really just fresh like very fresh food I just remember it being so fresh


ya that is like !wow! I think also a part of it was just the location itself because it was just like, this very quiet town by the lake I think it's like a holiday town for the locals lah yeah then there was this like quite good shops like we saw the reviews online lah it was really good


yeah, then they had like really fresh ah, !wah! I just remember the fresh juicy prawns like it's really, it's like it's so simple it's just like they just boil I think they boil or steam the prawns ya then you just eat it with lemon, like no salt no no no seasoning or what what so ever


ya like like lemon as a like a dressing lah ya the lemon juice ya it was so good ya then they also had like uh they call it uh what's this bugs it's like a sort of like shellfish ah but I think the locals call it bugs ah it's looks looks like a


a, don't know how to describe it but it was like a crab-ish kind of thing ah it was so good it's so fresh ya then they had like some special better that they made with it ya I think also like partly it's really just the location that really made it such a memorable and very great meal that I had ah when I was there


(mm)


finance okay hi Zubir


personal insurance yes I have personal insurance, I think I only have one policy I have the medical, hospitalisation insurance, uh it's under AIA I think it's called the


err, max shield gold max, plan something like that ya, I think mine is the, have the most


premium plan available for it, so basically covers me with, , my hospitalisation fees, nice like if I'm, required to have operations I think it's covered


for the whole amount, uh and then, there's other benefits like, hospitalisation, uh, was that ward benefit I think daily ward benefit, and then I'm also covered with


follow up appointments based on whatever, , based on whatever treatment I underwent at hospital, yeah oh mine is until the private one yeah


actually I check recently, uh if I'm not wrong it's only, about three hundred, every year, but currently uh my mum covers it for me under her medisave account lah


so you also plan to take over, your policy when you work


actually ya, because, my whole family I think all of us have, coverage under AIA, it since last time I think my my mum has this uh friend, who's an insurance agent so basically we signed up


like all sorts of insurance, plans under her, ya I think last time I also had this endowment plan, which my, father had under his name, but it was for me yeah I think it was something


it matured after twenty years like he got it when I was born, that it was supposed to be used for, , my uni fees, but I found out that, the amount of, what's that the surrender value of the policy was only less than ten thousand


so is, quite later like when I think about it you pay premiums over twenty years and then, the sum you get at the end of the, , at the end of the plan only less than ten thousand


yeah it's an endowment plan do you have an endowment plans with it


eh just now you mentioned about NS right, yeah then, I talk about the aviva, term life policy is something like that or was it personal accident insurance


ah something like that, oh I also did sign up at the start but then I think when I ORD, uh I receive a letter that


err they say I have to switch my giro payment or something if not it will terminate, but at that point of time I think I wasn't that, , very knowledgeable about all these kind of things, so I just let it laps, because apparently it deducted the premiums from my err and NS allowance lah


yeah, and now I was looking back at it again, and then I was trying to understand, what a good policy is then basically it's like, I mean I'm not sure it's something so cheap for very high coverage


but, there's very few details available online for me to read about, because, as far as I understand it's something that, I mean it's uh, it's a good policy purchased by the SAF, so it's not exactly your policy under your name


so ya so when I was reading about it and I was wondering about how the claim goes about, I found out that, there's no insurance agent assigned, for you under this plan


so it would be hard for you to make future claims if you ever need your claim, yeah no like, as long as you have that policy lah


because basically is under SAF then there's no personal agent assigned to you, yeah so, I don't know at that point of time I was like thinking it's so cheap so why not get it, but the I think like I'm a steering towards personal


insurance instead of group insurance, yeah oh ya


ya the dependent, the dependent, protection scheme yeah DPS, I just got a letter from, NTUC income about it, a few days ago, ya I think because I made my first contribution to CPF


like last month working under you know Hafiz, company ya, so automatically enrolled me, say say what thirty six dollars premium, for coverage of forty six thousand dollars


but I don't think that's that's not enough ah forty six thousand, ah ah okay I see you pay


you think I should cancel mine or not, I mean, so basically it's a term life policy right, ah


when I start working that's definitely one of the policies I will, buy as soon as possible, no actually like that's the maximum sum assured


and I think CPF should like, offer more plans with higher higher sum assured, if not like forty five thousand cannot do much I think


like yeah so, are there any other policies you thinking of getting


but I was looking at the, premiums for critical illness, like damn expensive then, I was looking at AIA plan again, then there was this policy, three K a year


I mean if per month how much is it, two hundred fifty per month yeah I mean like once I start working, I know that's based on my readings that's like, five


or maybe four policies you should, definitely get because they're are important, first is our health , hospitalisation insurance, then second they recommend you to have, life insurance then third


critical illness than fourth you have the personal accident and fifth you have disability income insurance, I feel when I'm thinking about all of this, that's so much to pay for insurance


then then you start to wonder like do I really need insurance because, like, it's a basically a gamble, and then you look at for example critical insurance, they have so many, conditions is it in what


medical condition they list, but you don't even know half of those terms, I only know cancer diabetes stroke blah blah blah, I didn't have all those other, how do I say like


those very medicals, medical, ah technical terms, they're so like, when you think about it also do you, like, you won't know that you will get it


cause these diseases are like, very low chances I think


then maybe I also consider getting it, like, not as soon as I'm employed lah, but, critical illness and disability income !wah!, very important insurance but so expensive, ah


I think it should be, cause I think like all insurance are like that right, yeah I guess then, travelling insurance do you get travel insurance


travelling insurance ya I did get, I thinking of what ah, I think there was this incident that like, my family was travelling overseas, but that was the, should that we did not get travelling insurance


then I think something happen, but I'm trying to think about what happened but I cannot remember, !wah! maybe , I cannot remember at all


I wish I remembered lah oh


oh yes okay, ya now I remember the case, that time was, I think err we were flying to KL, then, we were already in the plane about to take off


and then suddenly my father complain of this I don't know I think his heart pain or something chest pain, yeah so basically, we disembarked the plane like before take off you know, ya then like the flight stewardess all very panicky panicky like what to do


yeah, that was the instance that we didn't buy travel insurance, and we should have I think it should have been covered, because it was a medical emergency, yeah then all over ya ya


our funds our accoms all wasted, okay lah so yeah sometimes insurance, ya basically you never know when you're going to need it, yeah


negative experience, okay zubir, now our discussion has turned negative, do you want to start off with a negative


recently ah I think maybe like, the past one or two years, oh I think when was it I think it was in may twenty


eighteen or twenty nineteen I'm not sure, ya it was the death of my grandmother, yeah so, I think that would be the, saddest moment in my life I would say, I mean my grandmother she was


I think very old already lah and then at that point of time is like, when someone is that old you, the death would be unsurprising to you right, like I mean someone is old


is obviously they will, pass away soon, but the day when I got the news, when she pass away it's like, even though I had that thought in mind like someone that will old will pass away soon is like very hard to process, for me at that time


I still remember like it was my sister who told me, because she just got off the phone with my mum, then she said oh uh, the first thought in my mind like that cannot be true


so I didn't want it to be true, yeah and then like very hard to hard to, come to acceptance with lah, oh and then remember at that point of time is like, really expression


I mean based on the expression like the tears rolling down your cheek, yeah it's like I can feel that, then the next, few hours going over to her house then for the funeral, it was like a blur lah I remember that day was just


being washed over by sadness and then yeah I mean, she was the closest, I mean I was very close with my grandmother lah, so when she pass away,


ya it was a very sad moment in my life, and then, the next few weeks eh the next few months I think my second grandmother pass away, so it's like that year were both


my grandmothers just, passed away like that yeah think that was made me like think of what if I lose my parents instead yeah because like, the death of I mean someone


even though I am close I would say it's like not really close as my parents, yeah so I can't imagine , if I actually lose my parent, ah, so I think death in generally something like


I think everyone doesn't like I don't like it, like dealing with death , so I would say that's like the saddest moment of my life thus far, so


ya I think that's it about my saddest, moment of my life lah, for you do you have any like, incident that you are still angry about even though it happened like long time ago


ya


because I was also there, for that performance then I can, cannot imagine how you feel lah because when I watch it also I was like, uh , it's like just wincing ah, and then yeah


so definitely what you feel is definitely greater in impact