my number really open and then it's not the it's not the consolation it's starter some more so actually the amount is slightly bigger lah a little bit more, then she's like !walao! so lucky so lucky I'm like ya ya I felt so lucky also because it's, uh I also don't know why it just lucky [orh] just lucky so that time I really felt so lucky ya and then subsequently I'll feel tired of lucky draw so ya you can you think of any lucky moment that you ya


oh


, ah ah, !wah!


oh , oh,


oh ya ya ya


yes yes yes yes, , ya ya ya ya not too bad uh, I don't really have any proudest moment of my life eh uh maybe maybe getting a degree [loh] maybe I don't know


ya because actually I I studying is not something that I like like a lot or I aspire to uh, uh achieve or since I I'm young I want to be a graduate I don't have all this uh this kind of aspiration when I'm young so then after that I was talking to one of my secondary school friend then lah then after that she was saying that


eh she was saying that like something along the way that the parents uh hope also hope that she can be a local grad so local grad actually makes a bit of difference compared to uh, grad lah like a grad I don't know or uh anyway at my time grad being a grad isn't uh a must have thing most people actually grad as a diploma not a degree holder lah degree grad so


then she saying that ya she actually hope that she can actually do her parents proud by being a local grad blah blah blah then I'm thinking oh like that ah, maybe then I I then I'm thinking maybe my parents will also be proud of me if I become a local grad then okay lah then I go and study then in in the end I really graduated


then uh then I felt eh actually quite proud of it because I don't like that course that I'm studying and I really, I felt I felt that I suffer quite a bit lah it's you it's really like a suffering throughout the whole three years really very terrible


and uh ya so so then in the end of course I managed to graduate from it and I thought that !wah! actually quite , quite proud ah quite proud of myself !wah! own self proud of my own self ya ya quite proud of my own self lah that I can actually graduate and survive then when I


I when I graduated and come out to work right I can proudly tell people that I survived this kind of environment studying something that I don't like and I still graduate, you don't tell me you cannot you don't tell me you were halfway drop out this kind of thing like that will be like ya ya so because ya maybe I'm I'm more proud of my experiences lah not the not the the grad thing or the title than I'm having but the experience I have been through so thereafter it becomes a story to tell


uh to people that on on what happens to my life and all that I I became stronger from all these experiences, yup ya, ha I oh my boyfriend's six pack [orh] ya so amazing eh but you must know in the first place he is a


big fat lump round he is circle he is circle then he become a flat and then six pack so that is amazing that is truly amazing ya, ya ya ya then he's so proud of himself that he initially he uses that six pack to amaze me then after that he amazed by himself so he is admiring his own body everyday


then I feel so I felt so amazed by him !wah! like that also can ya ya that one very amazing one because he's fatter than me and then now he has six pack and I don't have that !wah! that's amazing, he always have passion he but he don't have six pack ya so it's not like you have a passion and then you will get it he he he he always run he always jog he almost everyday he work out everyday


ya subsequently he actually he actually ya get get that kind of uh motivations somewhere along the line to impress me to get it like that ya, then after that he successfully impress me ya that's why my boyfriend now you and because you got a six pack he say if like he don't want the six pack will I still love him I said I consider first ah ya ya ya so so


ya ya I think he will want to have it forever lah so yup yup that that is something that uh ya ya amaze me ah really really quite amazing it's yup okay


you want to share about your experience with the investment product that you have buy


actually I'm quite different from you eh I also started uh I would actually my first job was in a security firm so I started trading when I was about nineteen years old and I get to know about stocks and shares during that time


eh for me because I don't don't go into studying the products and things like that I, I buy based on speculation and because I don't have so much patient in uh waiting for the money to grow so uh


which is a bad thing lah many a times uh by speculating in the end you lost more than you gain so, for me ya I enjoy I enjoy looking at shares and and we do buy bonds and unit trust


, ya but all these unit trust it takes a very long time and I'm quite impatient


ya but ya I think that is good because I find to read out on all these uh it's very time consuming and then I sometimes I find that after you read out all already the prices have already move a lot


so ya, and maybe we talk about uh so that means you will have some brokerage and trading account


(hmm)


, ya for me I'm not so tax heavy so uh, I, used to trade with uh brokers and of course uh trading with brokers you have to pay higher, the brokerage and


but nowadays uh try to log in online to, do my own trading ya, I have a, brokerage account since like I was nineteen lah (hmm) was ya quite long ago


and ya lately lately I also because there're a lot of media showing this uh Robo-Advisor right I have actually was quite tempted to sign an account but I never really go into uh trading with them


because somehow I don't know whether the, the, information is uh up to date or how true it is so I didn't dare to actually trade with uh


but somehow still even though for people like me who doesn't really take in all these uh details right but I still find that using this platform uh still not very safe ya because they will show you like high and low and then ya


there is not a lot of sometimes maybe I mean if there's a lot of details I also won't really know how to read all the, details lah just that, I don't, feel very safe trading in this kind of account ya


I mean lately there is this uh not really ah I mean uh since what few years, back uh there's this bitcoin bitcoin is it


ya that is quite happening I I, they hear people buying this but uh and also in the beginning they make a lot of money uh using this this kind of trading


is like you don't have a feel about this this whole situation right,


is is kind of like not real money , , , , what about your CPF


ya did you invest anything using your CPF uh money


for for me I have tried uh few times using CPF in the investment usually uh via insurance company, uh the one that I had some years ago Prudential, uh actually we didn't really make money but I just bought a new one uh two years back AIA ya since that that one is doing quite well


and, since the money is is kind of like excess money from your CPF account that you can't really use them except for buying house and, buying doing some investment so I I took, the opportunity to just use a bit to


okay ya, because because you are still young that's why uh ya you need to you need to accumulate more money in the CPF because for me at my age uh


ya we we have some CPF saving that we can play around with, so especially uh when you are you reach fifty five right instead of locking the account I mean you lock lock up those money uh you can use some of it to to buy share so that uh in terms in times of like you when you need the money you can


get release it and have some access in the CPF account, that's that's a ya that's why I did did some of this investment


ya actually actually is very very high, uh compared, that's why when we have actually we have uh HDB loan that uh still still some outstanding we didn't want to pay off because the interest from the loan uh is much lower than what you gain from


the the, interest from the CPF, account, so is more worthwhile to just keep it, inside the the account than paying off the loan then, ya what what about the singapore saving bonds you have any idea what's what's that about


ya I mean is is actually very safe uh because it's uh government supported it's just like lending money to the government and then you get some interest uh at uh every six months or something like that, , ya but still I I I don't have much interest in doing that uh ya but some of my friends did they they think that is not actually not a bad idea because the interest that they get is uh better than the


ya and also the the starting uh amount that you put is very low right you can, start with like five hundred dollars ya this uh have to start off with five hundred, , it's just like a kind of savings lah


oh is it like eighteen and above is it, okay uh talking about investment strategy ah I think I think I should learn from you to get more in depth on uh


investment strategy, because mine is always uh, quick, quick uh investment where I don't get uh very good returns most of the, time quick and risky actually


ya I saw my because I I my ex company was an investment company right so I saw my ex boss how they go very very in depth into that company when they do the research, and they the way of trading is like uh owner's uh mind so ya they take it that okay if they are interested in this particular company so they will


uh, dig as as much as possible and, you know treat it as like their own company and they want to know uh what is their their model and, in the long run uh where can they go


and whether is it profitable what's their future plan and things like that, ya it's not it's not that easy ah but how long do you need to to search do a research for a


so you're not worried about the price uh fluctuation during the time when you are doing your research


because sometimes there are some you can lock in at a lower price or by the time you you finished doing this research enterprise when you gone up already there how


okay then by then maybe after one year then the price will drop ah after like few years then it will go down, then uh your your this , I mean then the work would be like a wasted lah and then you take so much about it find out so much then in the end you couldn't jump on


so currently are you doing uh any trading do you trade like everyday or or every week or


that means by doing all these right trading that means you have to read a lot lah about the news daily news, like how it affects your stocks right


negative experiences, okay let's talk about


at uh, CNA or something like that then you see india out of sudden they the, government uh


announced about the lock down, and you see one big group of people rushing to, to, uh get home to their hometown and all their, trains and everything and they all stuck at town then could not get home


there was really quite, quite sad lah and you see big big group of people, stranded was somehow this one give me a goosebumps


ya I want to talk about an event that uh made me very angry actually uh recently I bought some durian online, ya and, and you know I before I set let this company that I'm going to buy from right I read a few reviews there are a lot of uh online shop


for selling durian so I read this one and and it seems that they had very good review very positive and good good quality so I've ordered uh few days before, uh, and then when it when the durian was delivered to us right uh I bought three boxes two of the two boxes uh was actually one of them was sour


and one of them was not very ripe and I actually I paid like almost ninety dollars for three boxes so !wah! when I call up the the, company I say how come what happen to the durian why why uh


out of three two uh not the of standard then, they were like oh is it they they deny the fact that you know their durian were no good they say cannot be our durian is uh top quality there are not they don't believe what I say so I I ask


for a refund I say oh I I I want to have a refund because your durian is not up to the standard but uh they refuse to give me a refund and they think that you know they don't believe what I say lah so I was quite angry with that incident


ya, now I don't think I will ever order from them again


okay


actually ya the next one I want to talk about is actually, uh the time when you are unable to help someone in need, actually there are when you go out sometimes you see a lot of, uh especially the old folks ah, that actually they are in need and you can't possibly help everyone


so, sometimes you just buy uh some tissue paper from them and you give them the money but you don't don't take the tissue from them right so that they can use that to resell it to others and and make money from it again


so ya so I will feel that ya, because there are so many people that need eh need help out there but sometimes uh we also have limited resources to help these people


ya what's what's your greatest fear


for me now is actually about job security because you know every one near this this uh COVID right has


affect was a lot of people and then uh even my husband company as well uh the production uh has gone down, and, and then I mean for our company as well we haven't get any project uh new orders lately so you


one would never know that whether you will be jobless or the next month or the next two months so I think uh greatest fear for us at the moment is about job security cause we still have, two I mean children to feed uh growing children to feed


so, imagine if , you know last time before the COVID usually maybe uh if something happened the other partner the job will still be quite secured, because uh at but at this moment both uh husband and wife job may not be secure you know imagine if let's say two of us also lost our job


then will be a disaster a family disaster, I think, so I think that is our latest fear


ya ya true you never know you never know what's going to happen next one right, because uh actually sometimes their company don't really share all these plan with you right so if you are not in the finance or if you


and the finance or in the higher management level, if you are, at the uh junior level you won't know what is coming so you can take precaution or even at this moment when you need to take you can take take precaution there are a lot of uh then may not be


jobs for you when is there a job that you may not get your same salary, so I think that is one of the, anxiety also and that uh the worries that uh people are facing ya


ya that is quite unfortunate lah for this group of people that just graduated, ah, and then you know they they have, to, face this situation like that because but actually when you just graduated you should be very happy, that you know you are ready to look for a job and enter into this uh uh working world right so if they have to face this I think is is quite a sad thing that you know they cannot even uh find a job or get the pay that they they want to have ya


what about phobia do you have any phobia, actually I have this phobia that uh


when I was in my previous job, uh because the the uh environment was quite stressful so as much as you want to, be careful with your work right in the end you make mistake uh


one after another so every time when there's a new assignment ah I I kind of like have this phobia that, oh uh am I, will I be making mistakes will I make more mistakes so in the end how I overcome it is uh choose to leave the place


, ya so I I could not take the stress level there uh so in order not to, to to, make more mistakes I choose to leave the place


I think I always hurt people's feeling especially my close ones , ya, sometimes uh you say something you know when you were very angry right you will say something that uh, you're not supposed to say then after that


after you say out you regretted saying that and you know that this uh message has already went, across and it has hurt that that person's feeling so but, so sometimes you have to remind ourselves uh not to do such thing


do you have a scene from a movie that make you too angry to watch since you watch korean drama is there such a scene, do you have such things that uh


they have they ya it's quite sad right


not really lah I watch those I I okay lah those drama I watch a lot of those uh, housewife drama it's not really but I want to mention something about this, the upset over uh what we can't what the world needs us to do more


actually is about uh reuse recycle, reuse reduce recycle, I feel that you know as much as the the government always uh, want to educate people to reuse reduce and recycle right but uh some of these shopping mall or the supermarket they are not


doing enough for this, because I see a lot of time , , those cashier will give you double bag and all these uh rubber plastic bag and sometimes you you already carry your own uh recycle bag right and then they still ask you whether you want it so in order to really everybody put in effort I think if everyone can


be more mindful and ya use uh bring their own recycle bag I think that will be a better environment for I mean you will you will make a better environment for for all of us to


true ah singapore is a bit late uh on this uh other country, uh all this recycle things they have started many many years ago ahead of us so but


I mean the older generation they they don't see the need you see because they are used to the uh lifestyle that they have they just, use whatever they need they don't think of uh recycling their product, or use lesser so


ya that's why the younger one have to educate the older ones


positive experiences


ya actually there is one we did a self drive to uh US last year and during the trip we drove to, uh this place called crater lake in oregon we have to drive like more than seven thousand feet above sea level to see this lake


, is is uh quite a long drive but was worth it and the view was breathtaking and was a very, memorable, trip up there ya


so was it very cold


I have not really experience uh saying cherry blossom how how was the experience ah


is it at this particular park or garden that you see or you can see like, uh, randomly anywhere, wayno I think is wayno park


oh that means what is there any is supposed to be a peach fruit is it


actually I I don't remember receiving any, reward like


uh I I don't I didn't I didn't really have any, thing that really so memorable that you know ya I will do you have anything


ya so the couple must be so happy that uh you all went to help them to do this


!wah! that's that's so nice


uh maybe we share experience about the faith in mankind, uh, how was it being renewed, uh, I think I share my I feel that uh, you know everyone is uh being affected by this uh COVID nineteen right


and you can see that uh during this period of time a lot of people are, uh, somehow one way or another, affected by, and you see all singaporeans uh young and old all come together to, to share and to give


whatever coming to, to reach out to those who who are in need and those even they make mask for those uh those who who need it right the, the poorer


families and they also volunteers to do like social distancing work and help out in some of these events and hospital and things like that ya to me when I see all this I I feel that you know,


singaporean is singaporeans are all very united in this sense ya all willing to help each other no matter what, , ethnic group you are, whether you are rich or poor


people donate to this uh COVID fund so that you know this money can help those who are in need ya I think it is is very good thing


ya I think is is really great through this you can really feel that, , people are are still very kind and they really still


and then people deliver food to them there's this group of ya this group of uh youngsters right they they volunteers, ya even this hawker uh this hawker owner


uh is a young young guy, he didn't want to collect the money he just deliver food to those uh needy, I I think ya which is uh very good, what about any


ya for me is uh last year when I strike uh four D for first prize ah I just randomly, uh uh buy this number right, and uh, with without any expectation and then when when somebody the person who bought for me say eh eh ah you strike first prize I was like


oh but is it true ya at that moment I felt like I was the luckiest , , oh I spend it on my holiday , my trip to uh US last year


very happy and and really before that I already look forward to uh drive so when I got the licence uh I feel very proud of myself that you know !wow! I I achieve something


so how how do you how do you what did you do to


you have tuition for english and math


eh actually uh you know those uh migrant workers


they are a group of people that amazed me because they came from uh, low education I mean they are lowly, in the, I'm sorry they came from uh, low educated background right but you see the things that they do they can build houses they can


(mmhmm) uh, build MRT and things like that what where where do they get this knowledge to do all these things you know that even people, who are educated can't even do it so that will be amazed


ya ya it's true it's true ya, ya even the older generation they also have to uh learn all these new technology


what makes you want to be alive


, ya for me I mean I have, two kids uh, we are like to stay alive to see through their different stages of life, and and ya I think you require interesting to say know what's next for them and and things like that and also to enjoy uh my retirement next time


ya so you have to all keep healthy to be alive, though we say ah what's your favourite activity to unwind and relax


ya okay ya singaporean's favourite


for for me also I mean my favorite activity is also to just do nothing actually there is a relax and sometimes, just watch my drama I can I can like watch the whole day , wrong from, variety show to uh


chinese drama I don't I don't really go for korean I watch uh hong kong and china drama so ya this, is the time when I, you feel relax by doing nothing and just uh, unwind and just watch my show because my kids are really old enough to take care of themselves so ya so nowadays I'm quite free except for doing housework rather than that I'll


just be watching my show , , ya and going out for food ah we always like you know like to go out and, and try new food so every week we will pick up pick one restaurant and we will just uh


what's your biggest ya big surprise is there any


oh


for me I think my bigger my big surprise is uh, my, when my husband bought me one, a rolex watch, during that time, when I, because that time I say okay you want me to bear uh, uh


okay right I want to have a watch, he really he really make it he really go and buy a watch for me and then when we this time to have the second one then I say okay this, time I want a diamond so he really go and buy a diamond so ya these are the surprise and and


that I get uh, I was just saying for fun, and then they they came out as a surprise


ya ya it's a <UNK> memory


ya okay uh ya thank you for giving me the opportunity to share with you, my experience, uh , for the investments uh product which is ah shares or stocks


I started working full time when I was uh thirty years old I mean uh I'm going to tell you how I started to buy shares or stock, ya so I ya I started working full time when I was ah twenty years old after graduate graduating from school


uh I always put my money either in saving account or in fixed deposit which earn me a very low interest as you know uh so after working for five years I noticed that I must do something with my


money instead of just leaving everything in a saving account or fixed deposit right, so I ya so I decided to uh read a book call uh intelligent investor, uh it's about uh value investing


so uh the book teach on how you should invest your money properly so actually there are various definition of, uh investment, so uh the author benjanin benjamin graham uh suggest that a investment


is an operation upon through uh analysis that promises says uh safety of a principal and a satisfactory return, uh an investment without meeting this criteria is actually a speculation


ya, so uh there're there are actually a lot of, type of investment product uh offered by banks out there but uh the most common ones are unit trust, uh exchange traded funds and index funds right now my personal investment consists uh mainly of


stocks because, uh I feel that we have a long, time, horizon and over a long period of time we should get a satisfactory return, that's why I prefer to have a long term investment instead of uh short term investment


because uh in the history uh it has shown that over the past ah two hundred years, the stock have, actually generated a return of uh seven per cent, a compounded per annum and it is the best performing asset class


as compared to go currency or commodities, so uh my personal investment philosophy is to buy what we know, and study what we don't know rather than speculating over things like uh bitcoins gold currency and other


uh type of uh, assets ya, so how about you


so maybe I'll let let me just share with you about ah diversification okay as you say that you like I mean like you prefer to


buy ah index funds, right okay uh, because uh if an individual just want to get a market return example equal to the standard and poor five hundred uh ya that will go, and, buy this index fund and get a similar return to the market rate lah this uh would


offer the investor a broad diversification which is only five hundred stocks, because, index is a group of uh like top, like


so ya so so uh, it it would be better for someone who have uh no like uh no time to go and study about stock uh to buy index fund rather than ah you go and study


each individual stock which ya you that you won't know whether you will make money on that or not actually so index fund is still the safest, for, for people who uh who have no time or who have no financial knowledge


uh ya, currently ah I have a trading account with uh funds to supermart, it's easy to use and, easy to update, your uh details uh and money get deposited into uh the cash account I I mean in the broker account almost instantly


uh they also, have a very good uh customer service, and, the fees uh the the trading fees are generally cheaper, as compared to the traditional brokers like uh UOB Kay Hian or Maybank Kim Eng ya all all those uh bank


ya for me I I also uh don't use uh robo-advisor to invest, I, think ah, as long as, I can study the company uh myself, and


try to understand the companies are performance, then I can rely on my own ah, uh ability to purchase the shares that I want, ya, so I think the Robo-Advisor is, more useful for people with no financial knowledge or ya financial background actually


so ya it's still safer for you to, I mean maybe a physical advisor is still safer lah, where you can like talk face to face to


ah ya bitcoins the cryptocurrency, uh, ya


no no I I don't invest in crypto ya I don't really have any knowledge about this, because, I'm I'm not interested in it, ya correct


, ya correct is the like digital money


uh no I I don't invest uh using my CPF money there is this uh CPF even though there is this uh CPF investment scheme uh I think, there is a risk that you may lose, all uh portion of the amount invested


so it's not like a guarantee for you to, get uh return uh every time you invest


ya for me because uh I intend to buy a resale or a new HDB house so I try to keep my ordinary, account balance as high as possible, so that I uh don't need to get uh like I mean like a higher housing loan amount


ya so, ya instead of I putting the money in the CPF investment I will just leave it there first until I ya


because I think uh for now I'm not into CPF investment ah more on like ah store eh stocks investment, uh ya for the time being and just leave it in the CPF account but the annual interest rate given by the CPF board is also quite high is like about up to five per cent maybe I think ya last year


ya I have heard about it I think is one of the more common options for, singaporean, to invest their money in, as ah it usually offers a higher return as compared to the bank uh saving account or fixed deposit there are actually pros and cons of buying these uh singapore saving bonds ah


ya correct and there is no uh lock in period also because nobody bonds like uh you can only withdraw, when it's uh mature, ya but for this you can uh withdraw, anytime right


anytime you want to withdraw and you won't be penalised also for early withdrawals, ya ya and, just like what you said that is uh like, is the government bond so is a low risk investment


so you will feel safe ah


ya ya five hundred correct young young I mean young adult can even invest in it, ya don't if uh like you don't even need to, the uh working adult I mean student ya student can invent


, I think so ya if I'm not wrong


for me for ya for me, really is like okay uh if you want to buy a company I mean before you buy a company you really have to go and study about the company is really, not easy and it requires a lot of uh times and effort for you to find out the


the right companies to, invest in because uh you have ya you have to understand, like their financials, I mean uh the company's financials uh position and performance and the competitive advantage of the company then understand


the business model the risk and the growth and the people who are managing the, company or running the company


for a depends uh on the size of your company if I mean if the company is so big you have to do a lot of research, if it's uh those like uh smaller company then, you can just I mean like within a week maybe you can finish studying a company


oh ya then you have to wait uh patiently for the price to drop again


uh okay if for uh for example if even if your investment go down and I think it's a, process, for you to learn also, so you learn something from your mistake so you won't be, did it again for your next uh investment or your for your next


like, decision making, ya so you have to be careful and see which, go uh go wrong, ya, so ya


I don't know I I don't trade uh every day because for me uh I, I more on uh, uh I don't, really uh diversify my portfolio so I stay with a concentrated portfolio so I don't buy everything I I


mean I don't, buy everyday uh with uh various stocks so only certain uh stocks, that I will, buy ya so


negative experiences


describe something you watch or read that give you goosebumps,


for me uh when I watch or read a news about uh parents abusing their kids, or when unmarried couple threw their newborn babies I think


there is there is one, I mean, for the uh parents abusing the child, there was one recently, and the, couple like got uh, sentenced ah, uh ya and then the unmarried uh I'm not sure whether they are unmarried or married uh there's this lady indonesian lady who throw the


newborn baby recently, and eventually, she got caught, by the police ah, it gave me goosebumps because I think that uh is, very cruel right uh all these children, are innocent


as they did nothing wrong, and they should be showered, with uh love, instead so, uh I feel that uh those parents should be punished severely


to avoid more of a such, cases in the future


for me ya ya ya I mean I mean buying online it happened to I mean I mean some people like may get cheated when they buy things online so, ya I I, I think I ever experienced uh the same thing when I ordered food online


so I ordered uh like about, six uh food, uh but the the, the food that came to our house only four so short of uh two, ya short of two orders


so we call them up and then they say that [orh] it can't be, but uh I mean the order it was complete that's what they said and they do not want to send the food to us so we were like very angry


for that uh situation, so in the end ya we just, uh had the four four types of foods ah, (ppc)


for me, the time when, I was unable to help someone in need was uh the time when I was still studying, because uh as a student you, wouldn't have uh extra money


or, uh then uh I mean you won't be able to provide monetary help to those people who is really in need, cause uh there there was one, time when, one of my uh cousins just bought a house and


uh have not, much money left and, suddenly she needs uh, some help of money for her parents' medical bill, so uh at that time I was really


not able to help, because I had I have I I had no income I was still studying that's why (ppc) , my greatest fear is actually uh uh public speaking


so I will get ya I will get nervous and like blackout when I'm standing in front of uh crowd a big crowd, that's why uh during my poly, time when I need to, give a presentation in front of the whole


class, I have to use a cue card, noting down all the like key points that I have, to, deliver deliver, I think uh this fear is uh contributed partly by, my character


I'm an introvert lah so I hardly talk to strangers, normally I don't approach people to, make friends with them, it's like the other way round where they will approach me first to, start the conversation ya


so ya what is your greatest fear


ya as I mean as you can see uh now a lot of businesses are closing closing down, and, may not survive and some companies have I mean have filed for, bankrupt bankruptcy and


uh some companies have retrench their staff in order to cut down on, the operating cost, so I I'm also quite worried about all these, uh, things like uh you will feel that [orh] when will be your turn to get retrenched or ya when is your turn


to get, kick out from the company


ya and you can see that the unemployment rate recently is quite high like you say like you said uh not many jobs are available out there and then, uh I think uh those, fresh graduates


uh will feel helpless and hopeless because, ya, so I mean uh they are in a situation where it so difficult for them to find, a job especially there are a new uh I mean uh


like, new people stepping into the uh working ya working working world, and they're they're left jobless in such a young age, and I, think (ppc)


if I I mean even if they want to, uh get a lower, uh paid uh job, it it will still be very difficult for them to, get a I mean to get a


even uh after the, COVID is over I think the economy, will take, time to recover, and ya, it it won't be so easy for them and it will take quite a long time


uh no I don't, have any phobia how about you


do you have uh I I mean did, uh do you want to describe a time when you heard some someone's feelings


for me I also the same I mean uh ya, always uh, because I my family is quite big right so I have a lot of sisters so, I I mean it's normal for us to, fight with each other or quarrel with each other


so, uh I mean it will hurt, uh their feelings also lah when you say something nasty or, like, uh you can't take back what you have said so they will feel, uh, disappointed in


uh ya uh there is this korean movie call uh miracle in, cell number seven, so uh a father, there is this father who is mentally handicapped, but uh loves his daughter very much


and he is uh falsely accused of uh kidnapping and murdering, uh a little kids ah and sent to prison, so uh ya he was uh eventually he was given the death penalty


and, there was a scene where he was threatened by the police officer to confess, like to confess that he's really he's really he's uh like he he's the one who did it, if he doesn't then uh he's daughter will be killed


and, so he has non he had no choice but to confess even though, he was not the one who, uh, murder that kid, so uh it make me angry to watch because uh


an innocent life is involved here, like uh ya uh he he he's helpless also and he can't do anything, because he came from like a poor family ya so in the end uh he got executed on his daughter's birthday


so it make me more angry ya so you you will ya you you will like, uh make the daughter feel that [orh], I mean like the next birthday [orh] this is my father's uh, that like uh, the day that my father die die


and ya it's really very unfair, and, he's powerless and cannot do anything to prove his innocence, so ya , so how about you is there any scene,


ya I I ah I agree I think uh the world needs uh to do more about all these uh environmental issues, like the climate, change the pollution or the, uh, ya all these, uh so actually every if everyone can do their part of reuse reduce


and uh recycle, I think we can achieve a green environment together, and, help to tackle the global warming, and, ya I think uh this should be done as early as possible like by educating our children since young about the impact of global warming and this is also to ensure that our next generations


will not suffer from (uh), all these (uh) environmental issues dot so that (uh) ya they can live, comfortably (ppb) ya, without worry about all these


positive experiences, uh okay uh stephanie uh, can you, please uh share your travel experience that left you in uh oh ya


uh it actually I don't really uh travel a lot uh I have only been, to indonesia hong kong malaysia and the recent one was uh japan, ya uh I think the most memorable travel experience was when I went to japan because uh there are


so many first time, uh ya it was my first time, seeing the cherry blossoms the ya the flower then ya it it was my first time seeing a mountain the mount fuji and ya it was full of uh snow lah actually when I went there but it was not snowing


so, ya ya ya it was very cold ya you have to wear a lot of layers when you go up there to the mountain, uh ya is so beautiful and then uh given the weather also is quite cooling I think


it is about uh twenty degree celsius, I went to like certain


parts ah, I can't remember the name ya so you, oh ya ya ya ya correct correct Ueno and some other parts ya there are a lot of ah ya, flowers there quite nice, I think not only uh cherry blossom they have this peach blossom flowers also


is, ya it looks similar, I think so ya because ya, but I saw it is only ah, full of flowers ya there is no fruits ya, so ya


I find it quite uh interesting to, to ya, experience all these like the spring weather which we will not experience uh it in singapore, ya , this thing up ya it's so humid and hot


in uh singapore, uh can you uh do you want to share uh what was your biggest reward you had ever received after doing


for me uh the reward is not really a big reward is the I I I mean uh it's a small reward okay maybe I can just share with you what are the good deed that I did, lah, uh few years back when I was still uh studying


I went to do, volunteer work organised by one of the, CC, it was uh it was to help a needy elderly couple who, is in their seventies to clean up their house


so actually the wife was on wheelchair while the husband was the one the only one taking care of the wife and the house was really uh very dirty and dusty, because, uh they uh they are


old and they can't do much housework, it was full of uh cockroaches lizard and even bedbugs, and some, trashes on the floor, ya, so we have uh ya before we started to clean up the whole house we have to move every single furnitures out from their house so after that we repaint ya we repainted the whole the whole house to make it pretty pretty and clean uh clean up the whole house


so that uh ya I mean to make it comfortable for them to stay and live on, ya so ya the organisation


uh I mean some of charity organisation also donated uh furnitures to them like sofa cabinet and bed because the bed was full of uh, bedbug and they really couldn't stop thanking us for the work that we have done and the donated furnitures


and surprisingly uh after we were done with the cleaning project, they, the uncle I mean the husband cook us some food for our dinner which was their so ya so unexpected so I I mean is


it for me is the biggest reward that I have uh ever receive after I, uh did some good deed lah, ya so ya that's my


ya I agree like from this uh COVID crisis we can see that uh everybody is holding hand with each other helping out with each other, ya we can see


because I I think I read one, article in the, social media, uh, quite a lot of uh elderlies are affected by these uh COVID like uh they they can't get out from the house


to, do like to do their normal activities, so ya they have to, stay at home and, of ya they, they can't do anything


ya ya correct correct that that is, uh the volunteer from universities ah ya ya they cook #bee hoon# or ya something like that if I'm not


err okay, err actually I, I am from indonesia so I came to singapore when I was uh thirteen years old and I did not study much about english uh when I was back in indonesia so when I came to singapore I had to take a


school, admission exam, on two subjects uh I think mathematics and english to enter into one of the government, school, I failed these two, subjects but, I did not give up and continue looking for


school, that are willing to accept me, so I felt the luckiest, when one of the schools, that I, applied for accepted me even though


even though it was uh only a normal academic stream so I was really grateful for that, and ya I feel the luckiest when the school call me up


okay so how do you spend the money like


what was your proudest moment of your life


for me uh, when I was the top student in my secondary school for N level and O level examination so ya, because uh as I said earlier


I uh did not study much of english in uh indonesia, but I tried very hard, to improve on, uh, on this language so I really study hard


study almost everyday even uh after, school I was on my table reading all the books, ya so, !ee! for english only for awhile actually be uh right before O level but uh when I was taking my N level I didn't take tuition


so I study by myself because I feel that the O level exam will be harder as compared to the N level, exam so, so ya so is one of my proudest moment in my life


what amaze you


uh for me what amaze me is the, how currently you can see the third the technology is taking over our life, right, uh everybody is using, smart phone out there as compared to like ten years ago


uh, then everywhere like restaurants supermarkets at each even hawkers are going cashless you don't even need, cash right now to like to go out, uh ya you don't need your wallet you just need your smartphone because you will have your E wallet in there like your credit card


so is truly like fascinating lah the how the world is, ya there are courses for them also to attend to like keep themselves up with all these uh advance


I think the main, thing uh I want I want to be alive is like uh to enjoy my time with my loved ones ya you only live once


so I also want to be alive like to fully utilise my times to do things that are useful for me, or for my family I mean for the people around me


and then uh try to experience different things in life


uh my favorite activity to unwind unwind and relax I I have different activities like for weekdays and weekends actually so for weekdays ya , I do uh after uh I knocked off work I will I mean reach home cool and then eat your dinner and then ah


I will watch my korean dramas, and korean variety shows, uh I mean it makes me forget about everything like at work or for ya the stressful day in at work, so because uh most of the korean variety shows are very entertaining


and ya it help you to, reduce your stress level from works, and, I mean do uh then uh during the weekend uh, my favourite activities to relax is to go for trekking ya I like to trek and and go for food hunting


ya I I love to go, I love to go around the, hawker centres or cafes actually to find nice food ya it it just make me very happy and, like forget about all the


went up significantly over, a night, actually I feel ya, , I felt quite happy, ya happy because like uh the time and efforts paid off in the end, and ya


you can see the fruits, of your like hard work, finally so , ya how how about you,


so do you still keep the watch and the (ppl) diamond [orh]


part one financial related topic


how do you invest your money to accumulate wealth, and or, planning out for your retirement


I think honestly like as as as you know like we are both nineteen years old so ya you should start young and you know plan like doing like I think like for me I feel like doing small investment right now is like uh no issue it's just to getting allowance and maybe you can put like small amount of money into like mini uh


uh, I don't know like stocks and maybe things that can slowly accumulate in the future ya then uh for what strategies would you recommend to someone planning for their big ticket expenditure


I think I agree with you I also feel like uh for me I used fifty thirty and twenty rule so that means that fifty percent is used for my needs like paying my uh my loans and pay my like phone bill and everything then thirty is my need my want and then twenty is like savings so that way that at least I have a way to


uh plan my finance well and able to like know what is my like try to break down my my finance so that I I understand like how much I have in the future


I think especially like during the circuit breaker period like there's nothing like there's really nothing I can buy especially like uh someone who likes to buy clothes a lot so like I feel that especially like during this , this like during uh during the COVID season is a good time for me to start saving but when uh the post-COVID world means you say that when once after pandemic is over I think that I should really take my time


uh, like take the opportunity to use the money that I save during the COVID season to to save up to invest or even like like plan my my finance again so that I'm able to prepare myself for like in case I need to pay for like a larger amount larger sum of bill or anything ya


okay then whatever would you give to someone like, , when they are trying to like get out of a debt


I I think like what I just said it's like fifty the fifty thirty twenty rule but however like if you really if depending on how like, how much debt the person is ah like honestly I feel that some of my friends they actually like like what you say lah they play Mahjong a lot and uh most of them actually did like lose a lot of money lah and I feel like if you want to save a lot of money that that's where like you have to understand


actually no I just have a lot of friends that they they have very poor like spending habits as well, so like they they they understand that they are in debt but they still continue asking for money and then that's where like more and more like people like more and more debt will just continue to accumulate so I think the advice I will give them is


to really like plan and open up like another savings account cause for me like I, I mean I create I also have two two savings account one is for like my spending stuff and the other one is for my saving so like that way right like the savings account I will call it like the emergency fund and that way like I can I can still pay off my debt and that savings funds I still keep it for future use ya


so then do you think like one should own a credit card


I think I think for me if I think like if I ever own a credit card I feel like ya it's you must be responsible and accountable to what you spend


but uh I think getting a credit card as a young like for like my age and like for eighteen and above I think it's already start to be like, a norm because I feel credit card is also can get like points and there's like trust from like if you ever want to buy like an estate like that's what I see from online that many people did lah so they they usually like get a credit card at that early age and but they don't spend so much but then they


they know that when you use this kind of when you get the opportunity to know your limits and spend your and spend your money well at least you got uh you get points and then that's where like people can trust you more in the future, yup


I think like what like the the creating two two different uh bank account the first one is for just like my normal needs and the other one's for me emergency fund


or and then like doing the fifty thirty twenty rule which is also able to help me cut my finance into like it's trying to just break down into easier like understanding like what are my financial like situation lah and I think that like, especially before marriage where I don't really have like a partner to take care of I think it's better for me to continue saving up first


ya then like if uh when it comes to after marriages where like I think it's better to , discuss with your partner like what are your goals what are the things that we want are we able to afford like you know kids or even afford a house especially in singapore like like it it's really very is it like a huge struggle if you don't really plan your finance very well lah


so then how about you how do you think your financial commitments is like before and after marriage


then , what do you think of FIRE, the financial independence retire early


for me I think they're honestly eh


you need to have like other income like other than just your basic job so for example like investments eh maybe I not sure about singapore like how you can own like many many like private properties or like your own like estate but I think these are like


like things that you should do to consider like to get to like somewhere where you want to earn extra cash so that you can be financially independent so for example like through investment you can earn like dividends and then for for for like housing, expenses where you can eh how uh housing estates like rental you can get rental income from other places as well so that way like


you don't really have to struggle so much with just a one like one income area like part of your life which is just working as a regular job but especially like you focus on even building like other income like areas which can maybe like push you into, uh not really push you but like can can really bring you closer towards your financial independence and you can aim retire early


I think like I'm not sure like I I don't really look up into like cryptocurrency but there's still like


these things where uh more people are actually like like investing on like like what I just said like cryptocurrency and I think that that is something uh, most young like our generation people will start to think like that's like very important however but I feel like I think investments in like like big companies like uh


like Apple or something that like those MNC companies which is like more stable in the future I think these company are able to, uh be more, ya I like they are like more safe than than the than cryptocurrency that's what I feel lah how about you what do you think about cryptocurrency


so do you think there's any other way that you can earn income from, like other than investments and owning like estates


so you you're so you're someone like that that you are planning to like invest all on your children in the future


then do you have any advice to give to someone in order to retire comfortably


CPF contribution I think , , honestly I'm not really like a huge fan of of CPF but I think honestly it's just like a safety net in case and it so like is basically like the government trying to plan the future for you


like I think remember like back then when many complain that why the CPF what do you call like only can be like uh withdrawn out when you're like fifty-five or sixty and above like many like complain like why are they like so late I think, like one of the I think when Lee Kuan Yew say that don't have that that mindset that you're going to die at fifty-five or like you're going to die at like uh seventy eighty but then he trying give us that that that mindset that the government is planning your future right and planning your future like better so my thoughts on CPF contribution is uh


if because they I feel like the government just knows that our like if we don't want if we don't know how to spend our money wisely and like plan our savings wisely CPF is the last safety net that like supports you and that that I feel like it's important


part three negative experiences


I think when, I mean like I I I like someone I like to like uh how to say like I, I used to do this like uh lighting programming and everything uh like doing like uh church event or like or like uh like ya normal normal church event where I do like lighting like for concerts and everything so I remember that when I was planning like uh


a time where I was planning for like that this design for the for the for the the stage plan and like someone really like they they not insulted but then they they said like is not really very nice and then they start adding stuff that look looks like like it's going to be very messy lighting ah so I think I remember like that time when


my my design was like not approved and like worst of all like they they even make it worse and I had to then when when the thing like comes to the end where we have to finalise like I have to redo almost the whole thing again so ya I think that's like one thing that I I felt like


it's not really like very nice to to get like this kind of like thing especially like it's from your friends ya, so how about you do you feel like it like there's a situation where you've been forced as well


I mean I I feel like it I mean like I I have applied like, scholarship a lot of times like I think I've applied scholarship for in school outside school and the worst part was like uh


I really plan a lot like I always feel like I I really need to get a scholarship in order to like succeed in life and I always feel like uh, you know like like I I really deserve like a scholarship or something or like uh at least like some something that can help me like support my school like finances but then I I realise like I applied like one time during my year like my one point


my one point one after my one point one lah I applied one time and I didn't even receive like an interview date but my other friends did ah so like I feel like okay it's okay like I I can get it again so I tried like on my second like my one point two then I tried it like applying for outside


like like outside poly uh as in outside school so uh I think that I feel like it's hard to , and the worst part was the the outside it's scholarship like the outside company didn't even reply back which


uh it felt like like I felt like I lost like a lot of things ah, ya so I feel like it's really damn hard to get like I feel like the world is really against me in this kind of thing but then I I always tried to like make myself feel positive like it's okay like there's always something like better for me in the future ah ya and I I try to think like scholarship isn't isn't like the only thing that I really need ya


so how about maybe I can ask like do you have like any, thoughts on , do you have any like friends that maybe like complain to you about like a situation before and then like you really don't know how to help that person have you have ever like had that situation


uh, I I mean like like what my childhood friend like we we really share like each other stories and all that lah and I like she told me like I mean like uh when we were like sec four and everything lah she told me eh like she finally tell me like things that


like like people have done towards her lah and like it's not really like, like good thing also I mean like she told me things that uh I didn't really experience before or like uh I haven't know before leh like she's the only first person like I know that uh was like touched wrongly and all that so when it she tell me all these and like she ask for advice like the only thing I I I really felt very lost at that moment


ya and I felt like I I also like it it's such a, sensitive topic so I can't really like go towards other people and ask for help, ya so like sometimes I just like like sit down with her and like when she tell me this kind of thing I like the only thing I can do is I just listen


and like she just like when she ask ah what can what can what should what should she do like I give her like those like simple question which like how about go towards a counsellor but you know deep down in my heart I feel like it's not really like the most like suitable thing for her cause like she may not feel comfortable as well


ya so uh, I think like this kind of things like I I felt like quite lost but I mean through the years like she I see her like grow stronger ah ya then how about you like uh have you ever felt like a time where you felt like giving up in this kind of situation before


uh definitely ah ya uh I think if I going to have a relate like I I almost can relate to like your situation like uh my brother is like someone who get scholarship a lot uh he went to like PFP ya


and I mean like he he was very treated very well from like his teacher ah like but compared to me like I felt like , but I tried to like go up to his standard but then every time I feel like like when I fail a test and especially like I didn't really went to P I cannot go to PFP so that was the time where I felt like uh I felt Iike really like giving up so like I think that


like I really trust myself lah I try to think like positively lah like and it it it like , whether this is a good thing for me to continue like studying and all that lah and I also felt like giving up like just straight up dropping out after like my sec fours, ya but I think like honestly is really like I feel like it's an embarrassed like a disappointment embarrassment if I like like become a burden in the family and I just drop out and then I have to find a job outside ya


so I think there's like one day one of the time where I actually felt like giving up but then in the end like I mean I still have to continue lah ya I went sec five ya, so have, do you have like any late night thoughts like toward towards yourself


ya nice I think now like I still have a lot of like like late night thoughts especially like uh, I mean I fear a lot in the future lah like especially when it comes to uh finding like the the one in the future like am I get am I in the right right path and everything like I always constantly have those kind of thoughts ya


and did I, I mean like through the night lah I just keep thinking like oh am I like really going to think like am I really going to like suffer and like uh ya it's just like a lot of things that I care about in the future ah which I scared like I won't be able to like succeed and everything


treated unfairly uh I think ya I have definitely like and I think it's just like last year where I had an argument with one of like uh, I don't know whether to call him like my supervisor, or someone that I really have to to like I used to look up to this person and I always trust like he is I he's someone who is like he knows a lot of things but when like when it comes to things that I know like especially because like when we work in a


in a conference or concert event like he's a sound guy lah but I still count him as a like uh overseer in the event, and I I mean like he may not be very skilled in lights but he very skilled in sound so sometimes when uh when we're doing teardown and set up like uh I we have a group of team and usually like and he's the leader of leading like the sound part and I'm the guy who leads the lights part


and I feel like , when he like he likes to joke around but he doesn't understand like when when to stop, or like when like when like things need to get serious so when we were like doing like like when we were actually tearing down and setting up like the stage right right


like he was joking around and calling like people like weird names and everything and I felt like okay lah if he wants to joke I won't disturb him but when like when Iike he when there's like situation between the sound and the lights where like the electricity like uh who do we share and all that like he suddenly get very angry with me and like


I don't know what's the situation lah like he suddenly tried to throw like the cold shoulder at me so then I felt like I was treated unfairly then , suddenly like when he when like he's able like when I think I like the part where I suddenly like like gave up on him was when like


I start to chuckle when he like try to struggle like when when you're struggling with something and then he start scolding me and everything then I asking him like what what you can joke like why like is it okay for you to laugh but I cannot laugh so ya that's where like I felt like I was treated unfairly ah ya so have you been cheated unfairly ya something like that so how about you


if you I mean like I I think like I I really never experienced a point of view cause I mean in school like uh I don't know I feel like only just my friends that just like quite uh like I mean I don't really feel like I'm treated by my teachers but my friends did lah


so like I remember on my sec five cause it it like my school merge with another one and like uh most of my friends like in the end they went like ITE and I I wasn't able to like , like meet them lah cause we have different timing anymore so I so I have to find another time to like uh speak to them so when during the school timing lah I have this like group of friends that I I thought we were like okay lah so like when we go out everything we still have lunch everything but then after


like after a few weeks of trying like getting to know each other like you you start to see like the other side of the like to see like the other side of them ah and that's where like you you realise like, they they they like to like talk


bad about you from behind your back ya and then I realise I when when I realised that the situation I went to confront them then that's where like a lot of thing change and then since they have a majority of them like know each other since like sec one they liked to push like uh the blame to me they like to complain that it's my fault and everything


so uh ya that was the part where where I was also treated unfairly, ya it's so that I think if like school experience and I also like feel like, like like, I mean that's like one of the school experience that I had lah that I was treated unfairly as well


so like have you ever felt embarrassed before like what was your most embarrassing moment


I mean my I don't really feel like I mean I very conservative lah so like I always think like think before I act but then there's this time where I remember when I was very young and then like there's this I went to like seven eleven to buy like an like a food or something ah and then like there's this lady which is like quite young and then like I I call her auntie


and then she suddenly like start scolding not not really scold lah but then she's like there was a group of people like inside set set up a store so I don't know whether she like was making like a huge crowd like like huge deal about it lah so then she suddenly like say why you call me auntie you she were like call me #jie jie# or something and then that's where like I felt so embarrassed and then everyone's laughing


ya I mean that that wasn't like very like uh, like very embarrassing but I felt like that was the most like embarrassing thing that I've done ya, if you are going to die like tomorrow what are your thoughts like what are your last words that you will say to your loved ones


two positive experiences


I mean and I think during this CB period like I struggle a lot doing school work so I think especially like like doing project where the I I'm an engineering student so like there's a lot of things that I need, to like have a consultation with teacher but at this time like I think is very hard to have a have a meet up with my teacher cause like I don't know when's his free time and like I can't walk towards him so I think this is like I I'm able to like trust on like one friend which is like


which one of my best friend lah in school like he's actually quite smart ah so he can actually help me with like my schoolwork ya not really leeching on him but something like that ya


I don't really have internship now cause I'm a year two student but I think uh especially right now my group of friends like uh my I I really got a good time to like especially this COVID season uh it's a good time for me to like


like spend time with one-on-one because like I mean I can't meet a group of friends now but I've get get a chance to like understand their point of view my understand like I'm able to like have some deep talks with them during the night and you know like like some of my friends also like they don't really play video game, so like I try to convince them you know to try play like some small game so that they don't feel lonely lah


but I think these are the times that I'm able to like get to know more like uh having like a deeper connection with them and like you know when these like and so on like during the phase two period now we know we try to spend time and you know hang out and everything ya and especially like right now like I got like I I got my driving license so


you know I it's easier for me to like in in the middle of the night just text them like !hey! bro you want to go get supper then like they like okay sure then after that like can still enjoy and like, like talk to them and eat ah ya


there's this like I have this friend that I actually like uh like she's my childhood friend that I met from a like since secondary one until now like we are still friends but there's a lot of up and down lah and I felt like, like she need like during those like time when on on her birthday I wasn't able to attend or sometimes I wasn't able to give her a birthday gift but she always been there for me and she also like give me my birthday stuff so I felt like uh like this year is something where I need to like give her something big and something that uh like she never expect so I went to


Tiffany & Co. and got her like a necklace but it's like two hundred fifty dollars so ya, so I think that is like it's not I I feel like it's not the best but I feel it's like one of the biggest gift that I've given to someone ya and ya and she she she like really love a lot ah and like ya okay how about you what's the like what's the best surprise or gift that you have given to like someone


so was it like a what enchantment table ah, nice so have you ever go like to a concert before or like an event that uh you really cannot wait to like attend


, I mean I know the the conference you are talking about but I think there's this time where I book a ticket to one of like the this artist called uh boy pablo I'm not sure whether you know ya, uh it's like


how to say it was like a first time experience to go into like this kind of concert cause like I I never experienced like this before but I really didn't expect like the concert to be only one hour ya, but I thought it will be longer I thought it will be more like or you get to the chance to like like see him sit down there and talk for awhile then like enjoy but actually I actually like it's really damn fun to like see everyone jumping around having fun then hear him sing ya


then do you have any experience that maybe could be the same like what like you enjoy like hearing like artist talk or anything like from podcast or songs


nice then do you have any thoughts on like when was the best memory you had with like a group of friends


which which one the steamboat one


nice ya I think that I think I get like, like having like a group of friends to sit down and like like chat about life talk about relationship is like one of the best moment like we both of us can have, ya and I don't know I remember that time when I was like at my friend's house like we were playing with it with her dog !wah! I mean I mean like I'm supposed to enjoy talking to my friends but I think the dog also quite cute ya


uh how about you describing like a time where you you know like someone will tell you a joke or someone will tell you a story that then you laugh damn hard


, oh !wow!, does she have the very strong like malaysian accent when she speak chinese eh is it chinese like uh


ya does she have that that very strong malaysian accent, nice ya I have I have this malaysian friend that's like no I can speak normal english but it like it's damn funny cause that time we went chinatown during the chinese new year period period


then like at one area right there was like a group of crowd like crowding around and then when you see in the middle right there's usually like group of people dancing like old man dancing, then there's like song playing everything so like this guy like in in school he's very like not really very shy like in school he just very quiet but we didn't like expect him to like like just like burst out dancing as well


so so like so like we we we want to record him then we push him into the crowd into like this circle where like there's only a few uncle dancing then he danced together with them !wah! that was like the first time I see like one of my friends like going crazy eh at that the spot ya, ya lah then then like everyone just cheering you ah and it it's really a like damn big crowd like it's just beside the the the the MRT station


ya that was like that was like very very like and it wasn't like before CB period ya so it was a good time


I mean one of them is like I don't want to wear mask anymore ya lah


like every time going out with my friends we all have to wear mask ya I think that's the one thing that I always look forward for but I think also like like going to, I think going back to school is something that I also want to look forward like I mean especially now like I have to do like online online classes like it's not really very fun cause even though I got a chance to talk to one-on-one with my friend but it's like honestly like I miss like going having like a group of friends where there's no restriction and constraints


ya and I think that is like something that I really like hope to, to like like see like during the like I hope this thing ends by like january next year ya how about you what do you think like about the post-COVID


ya that's true then uh, describe like a fond memory you share with your loved ones like what do you think what was the best moment you had with like your family or like ya someone you trust


ha


think I also have like that kind of memory like there's this place at Genting like Genting highlands where like uh you took the cable car down to this area where there's like a lot of like snacks and like you know those like I'm not sure like those sugary squid thing don't know what is it called forget what is it called already


like is this red colour sugary thing but ya then got like like got a lot of other snacks as well lah then they will usually open like one small box where like you can take all the samples so usually like I remember like me and my brother my sister would always like go inside this shop and then like we just take a lot like we just put in our mouth also like we just don't care


then the worst part also my parents also were eating with us but in the end we still got buy lah ya


then I mean where's the like the the nicest place that you have travel to


part one financial related topic


I think as a nineteen year old polytechnic student uh retirement is something that is very far away but I think if investing is like uh uh good way to go and


ya so basically investment and uh before like investing you need to have a capital and I think there's like very normal working uh life uh comes in place ah, what about you


I think uh for me I'll just recommend having a constant savings goal ah first and foremost like because as long as you have a uh uh source of income like even having allowance I think it's always a good habit to have uh to have a savings goal


and I think as you continue saving continuously this uh healthy savings account that you might have can uh help in this big ticket expenditures ah and, so it's like more of a uh constant lifestyle thing that you do rather than uh planning for one big item


ya I think that's really good lah so uh like since we are in the COVID situation now like in a post-COVID world what changes are you making in terms of your spending or savings habit


ya I think uh COVID I I think has like uh help, make make me develop some bad habits so like uh maybe spending uh stuff online since uh during circuit breaker there's uh we are stuck at home and


uh like to my in my mind I thought like okay I I'm not spending much money on food because that's like provided by my family and all so I thought okay that means I have more money to uh shop online ah and I think maybe this is something that, uh I need to come out of before uh like even as uh COVID goes away and uh we start going out


I think I realise like when I go out with meals for with my friends now uh I don't see uh like spending as much a big of deal because I think like okay I only go out with my friends once a week or so and then like the daily spendings that I had in the past uh


I can like uh cover the one meal that I have with my friends ah but I think uh it's really important to know how to spend within uh my means especially it in the future like when I go back to school uh I need to realise that my allowance is only so much ah


ya so spending within my means, okay I think the main thing that people have to look at is like uh to really plan out and uh find out what they're spending money on


if they are still spending money on unnecessary stuff that's maybe something that they can cut off like I know of friends who play Mahjong and uh luckily my friend he does well and he wins money but I see his friends even though they're they're broke and they still owe people money they they continue playing and


uh ya I don't think that's a good idea because they're spending spending money that uh they don't have, so I think that's something uh people can do first is watching out what you spend and next is like uh dedicating aside like uh from the start if you get uh your allowance or uh your pay cheque the first thing you should do is set aside like maybe like what you said twenty percent uh so that


you have enough money for yourself and also to pay off your debts


and I think that's something that I can get into as well, creating a separate account for savings


I think credit card is something that uh comes with a lot of responsibility like let's say for a thirteen-year-old I don't think you should give them a credit card but I think if you know how to manage your money it's I think it's better to start off with with a debit card because uh debit card is something that you can only spend if you have it


but a credit card you can spend money that you don't have and uh although credit cards might have good deals and all but uh it's really uh it really requires a lot of responsibility so I think only if your responsibility with responsible with your own finances and you know what you spend money on and you know how much


uh you can spend in a month uh then I think it's fine to own a credit card


I know that now is a bit early but how do you manage your financial commitments before and after marriage so or how how are you manage managing your financial commitments now


ya I think uh I agree with you ah and I like the word that you use uh just now we talk about it lah accountability ah I think uh like even as a single now you don't have much to worry about and uh it's easier to manage your finances and


like because you don't have to you only have to care care about yourself but I think uh once uh after marriage you have more things to think about your uh money isn't just yours but it's for your family as long you you need to provide for your partner and even uh


uh just adulting life ah like planning for a house or uh even raising kids and all these things needs money so I think it's really important to be accountable with your money and, to just discuss uh with your partner like what you uh what are your financial uh uh what is your financial situations and what you you plan to do with it ya


okay I think uh ya that's really uh the dream life ah like uh it's the goal that everyone wants to work towards but I think even if I'm financially independent which may take uh quite a while I'll probably still want to continue working so as like to have things to do


uh everyday ah in like so you don't uh be a bum at home and I think uh the real question is like how can one achieve financial independence uh what's your plan for that how how would you want to achieve financial independence


ya I think uh I was reading up the other day and I think that's really the tip that people had lah and they said no matter your income no matter what you're earning like you should always set aside money for investment and uh


I think investments are really important ah if to be financial uh to have financial independent to be financially independent and ya I think, do you know of other investment areas other than like maybe stocks or properties uh


ya I agree as well I think I think cryptocurrency is fine as long as you like you have to do your own research like in any investment, and it's always important to


uh research on your own and to find out if this is a stable option or uh it's a uh investment which can grow and uh which will help your money grow as well, and I think if you do your own research on this cryptocurrency and if you find that this is a stable thing and is feasible and uh


ya then, uh I'm not against it but I agree with you like if there are already established uh companies that people trust and uh it's a go-to for investment then I think those are uh that that is a safer option that I would also pick as well lah


I think uh those are just what uh I think those are the main investments that uh we look at uh another one that you can look at is your maybe your own uh children in the future so like even as you uh start a family and all I think uh your family is one eighth


one investment that you want to make like I think uh, ya like in the future I think uh I will have to support my parents as well and if my siblings will also have to contribute and uh we will all support our parents and uh that's because they have supported us like for so many years ah and it's only right to give back to them


I wouldn't call it investing but I would like make sure they have a a good life and uh have what they need like I don't want them to have uh to lack anything ah ya


I think uh singapore already has like uh uh


scheme like CPF so I think if your CPF is has a good amount which I think the government tries to, make sure you have a good amount uh with the twenty percent off your pay goes into it and employers having to contribute to you I think uh that's something that you can look at to make sure you have enough to retire comfortably and another one is like uh if you have children then I think uh that will be


great as well you don't have to worry so much about uh your, uh like having a constant flow of income and I think if you have investments that will definitely uh help you and uh you don't have to worry about uh being in debt or having lacking anything even as you grow older


okay so just now I talk talk about CPF like what are your thoughts on CPF contribution


ya I think I think it's also like uh we have to look at it as a safety net ya because some people look at it as like that's their, uh their source of income uh if next day retire but I think if you look at it as a safety net then you know that you already have your own source of money outside of CPF so CPF can be like additional money and I think it's really a great uh scheme because


although like it looks like your you are taking up twenty percent of your uh pay just to put it into CPF but I think uh yes it's a it's a safety net for you so like if there's also like the medisave part that your money goes into and


uh especially when you grow old I think that money will probably come in handy and, uh not only does your twenty percent go into it I think employers also have to give a certain percentage because I just started uh interning in my like this is part of my school internship and I realise that even as my pay went in there my uh employer also had to contribute I think uh the same amount that went in


so uh, although in like now it looks like I'm getting less lesser money than what I thought I would have but actually in my savings in my CPF account there's I've more money than I thought lah and, I think it's really great cause CPF can also be used in the future for like uh when you're buying a house and a house is really expensive and uh CPF money is really uh


like overtime you will just see like see and you don't even realise that is quite a big sum of money because you can't really withdraw from it so that's also another, uh use of CPF, ya, ya so overall I think CP CPF is a great idea and a great scheme


okay uh recall at a situation where you are forced to change your plans against your will


ya I think uh I remember there was a very stressful period when I was like applying for my internship like so I was like super complicated because I applied for


uh we were told they will only accept one company so I applied for one at first but the the company didn't reply to me so I applied for another one and then that one replied to me so I accepted that but there was this whole mess up in school and uh, like they told me that I I had to accept the first one ah so I have to cancel and like make all these additional changes just because uh


like the first company didn't reply at first and even like, as I was last I was I was start going to start my uh uh internship there was this uh background check that the company had to do and uh the check was uh actually took more time than they thought and delayed my start of internship


and like even then like my my school lecturers they had they were coming and chasing me saying like oh if the background check fails then like you won't have an internship so they were chasing me to ah, like go and apply for another uh internship at another company just in case and like I was like really done with it by then I was like !wah! uh


just didn't want to have what to have to do anything with it already like my friends were starting their internship no problem meanwhile I'm like here trying to uh get another internship but uh, uh ya I think that was really a stressful time but everything worked out in the end but I think uh looking back uh ya that wasn't a pleasant experience


is there a moment that you felt like the whole the world was against you and could you describe it


I think uh maybe not so much about complaining but I know uh there were uh many times like my friends uh like family member passed away and I had no idea what to say


like I I knew I I want to comfort them in some way but I had like just no idea and uh some of those friends like my parents told them as well and uh like when we go to the wake like I will just go there and have uh just like blank out and


uh in the end we will just like uh sit down there with them and I think like for me I haven't really had gone through such an experience before like my I have one grandfather who passed away when I was like really young so I didn't really know uh what was going on at that time so uh


like it's I find it very hard to, uh talk to my friends about uh such situation because haven't been through uh like such a situation myself so, ya I find it really hard to comfort them and uh I don't know like what uh what I should say or what I can or cannot say because I know there are some things like uh


like even just asking are you okay like uh maybe a stupid question to them because actually they're not okay so, ya I just like I'm just lost for words and such situations happen


okay uh how about you have do you have you ever faced such as situation before


I think definitely like it must get so growing up like, in primary school I was uh I would say I was pretty strong academically uh because I I went to a neighbourhood school so I was like more of a big fish in a in a small pond at that time


I went to secondary school if like my whole world just went upside down like I became like the bottom feeder in our school and I think like I was like consistently the bottom ten or twenty percent, like when I see my friends uh doing well and like uh going to the teacher asking for marks uh just to get like uh to ninety or something and meanwhile I'm like barely scraping through and like passing or even failing at uh uh like at my like studies ah


I know in like sec three uh, I thought everything would like will be will change like okay now I will take uh these few subjects that I more interested in interested in but in the end like my first exam I I failed half my subjects and then I was like like what am I doing like uh


ya and I I really felt like no matter how much I studied like uh my friends just uh continue doing so much better I thought like uh, like there wasn't really uh any point uh continue with that like uh studying since like I'm so far behind already so I think uh secondary school was a moment like a time where I felt like giving up


uh have you ever experience such uh a situation or a period of time


I think I had like I don't really remember it but I probably had some like in the past but I think recently like uh life has definitely like improved so uh not really


ya I think I had those thoughts before but after awhile I realise like uh things will just uh fall in place in the future okay have you ever uh like describe a moment when you felt that you were treated unfairly


uh double standards ah, ya I think I have this one teacher in secondary school which uh just very biased against me ya so like uh, I I'm not sure like why but I I suspect that it it was because like my class was just uh horrible at that time and like she just needed to uh like make an example of someone lah and then I'm I was the unfortunate one so I know I have this like super uh uh like


childish friends who uh this person will sit next sits next to me or and the other guy he sat behind me so he kept disturbing me and like he kept trying to talk to me so uh during one of my that teacher's class like he talk to me then I'll just turn around I I didn't even say a single word and my teacher screamed at me


and like started scolding me and like uh, ya it was just bad and I remember like uh I was like I just I like uh did very badly for her subject ah and, in the end like I failed and was put in another class so I think that was uh a good thing for me I remember going back to school like after I graduated and I went back for my school speech day like uh most of my friends they all went


uh to uh JC and I was like one of the like maybe the five percent that went to poly, and when I came back like without a school uh a JC like uniform and blazer I came in like I just wearing uh a typical like white white shirt and black black uh pants and she just look at me and like she gave me like this look when I uh like uh came off the stage ah and I was like


I thought I thought like secondary school was over already but she was still uh I then I really thought like it was, uh unfair treatment lah I didn't do anything, to uh, uh to be treated like that ah ya


I would say like there was this camp that I went to when I was really really young and it was the last day of camp and, uh I woke up late so everyone gathered in this uh hall and I went there like when I was young I I still wore pyjamas like the long sleeved uh uh I think I wore probably wore a batman pyjamas so I walk into the hall and then I realised like everyone was dressed like to go home and then all the parents were there and


I was the only kid wearing pyjamas and , ya I think that was really embarrassing but luckily it was like uh when I was still young so uh people I hope people, don't remember it but if they do I think it's really something that I don't want to uh I don't want it to happen again lah ya


how about you have you experienced like such a embarrassing moment


I would I I've thought about this before like I think if I died like, I myself wouldn't be uh that worried about it because uh I won't be around ya but I think uh for like my loved ones they will probably be sad and also I think uh I just want to tell them like uh not to worry and uh to live life properly ya


okay uh describe a time when you were helped by someone in your time of need


ya I think uh like through my time in poly I've really uh got to know uh really amazing friends ah and like when I'm especially during like submissions period or assignments and exams period right uh that's where I really see them and


uh see how they're really nice people and just great people in general lah like I think, sometimes like I I get swamped with all these work and uh they will just keep uh constantly remind me of like the submission dates and uh and when they know I'm struggling they also helped me with my work and we have like outside stuff that I have like uh CCA and all and


uh they're just there and they understand like that I don't have time to do my work and uh, ya it seems like I'm the uh like a leech in the group but ya they don't see see as that and they still help me and know that they they're just really understanding I guess and I think


uh like even when uh that clique of mine like when one friend uh struggles in like a certain module or subject uh like all of us just pitch in and help and, uh it's not really uh give and take kind of thing but it's uh they they just like help whenever uh they see someone who needs help ah I think uh ya they helped me throughout my whole poly life


internship I've met new people like uh like where I work at I have uh interns from like university and even ITE and


uh I think most of the time is me helping them but like recently we had this project we were doing in, uh like I'm not someone who is like I'm not extroverted and I don't really like to uh talk to new people but we recently hosted this uh event and uh they they just pushed me out of my comfort zone and uh


uh made me host the event which was really out of like character for me but I think like throughout the whole thing they really just supported me and whenever I I got stumble and like uh just didn't know what to say they just pitch uh pitch in and like uh


uh help fill the silence so uh the event went great and uh ya it was because that they were just there what about you


okay uh what is the best surprise or gift you've ever given someone


!wow!


I think usually I'm not uh I don't find myself the initiator for such things so it's it's usually me contributing with like my other friends and uh giving the gift ya but I think recently like uh my internship like we I met up with my supervisor uh along with the other interns and


uh ya I decide I wanted to just give him something special so uh, ya I bought him like a box of chocolates and uh like wrote a card lah and like just to thank him for uh whatever that he has helped me with so far and uh just to show appreciation I guess and I also got uh a gift for even uh my supervisor's son


and like his son loves to play Minecraft so we got him a book for it and somehow the book uh I didn't know that uh his son had those kind of books and uh luckily the book that we gave him uh was a book that he didn't have yet and


ya when I I saw the video that he sent off like, uh his son thanking us I I think that really uh was touching and like uh make me feel like happy that I did that uh that small gesture uh meant so much to just to someone ah


that was a red some redstone book ya I think he had like three other of those books already but luckily that one was a new one


I'm not a big fan of uh


concerts and all but I think uh I've this conference that I always go to at the end of the year and it's something that I really look forward to every single year because uh uh this group of friends like I always go uh to this conference with them and


uh we have a good time ah and although it's a it's a few a three-day conference and sometimes it may be a little tiring but at the end of it I think uh uh I just love spending time with uh people that, uh I know ah ya how about you


ya I think I I definitely love certain artists and like uh I think one of them is like ed sheeran I remember in secondary school I spend quite a lot of time listening to his songs but uh I just can't wrap my head around like a concert because uh one


thing the it's a little expensive and like I think I'm not the kind who uh like goes goes crazy during concerts and I think like only people who goes crazy during concert like they really have fun ah but uh I don't think it's just not the thing for me


I think it was a recent one ya is it wasn't really anything special but I think it just having a heart-to-heart talk with them and


uh another one before the ice cream ya we just had like uh we went out for dinner and then uh after that we went for like ice cream but in the end the place was uh crowded so


uh, ya we ended up buying a tub of ice cream back to someone's place and just chill out at the at a friend's house and after that we just had a good time talking to one another


I I got this one friend uh from poly like she's uh malaysian so and she's went to like a chinese school uh ya so her english isn't really great and there were just so many times like she saw like there are words she didn't uh know how to pronounce or uh


or she wasn't sure that like how to pronounce it and I think me and my friends really took that uh opportunity to uh play some pranks on her and, uh gave her wrong uh pronunciation ways and


she actually believed them and uh, and ya or like some slang that we have in singapore uh we we told her like it it meant something else, and like so like one of it was uh we told her uh salty uh we we told her salty means like uh very good like we told her that it was a positive thing and like uh that it was like a happy thing then she she just went around telling people I'm very salty


not really I think their accent really comes like from uh depending where you stay ya but still have a slight accent


okay uh so like we you know we have been in this COVID thing and we can't really travel and all so what is something or what are some things that you look you most look forward to when this pandemic ends


ya ya


ya, ya like like what you are saying uh I've I've been on this internship and like for five months and out of that five months I only been to the office for three days so I think I'm really looking forward to going back to school so I can see my friends and hopefully not uh have online lessons and


ya starting one day it's like looking forward to see my friends and uh since I'm in like my final year of uh my poly studies I'm really looking forward to uh a grad trip with my friends I've haven't really been on a, overseas overseas like take a plane with friends and uh uh go on the trip ah and I really hoping that this pandemic ends so that I can go on this trip and I think it'll be really fun like just something we can uh do and also spend a bit of our internship pay before uh me and the other guys start our


uh time serving the nation, I think I would want to go to I I really I've I haven't been to taiwan before and uh uh that's that's one of the places that I want to go


but I think there's a few uh places like I don't mind going ah like taiwan is I I want to go there because of the food and like japan is also a nice place like nice weather and uh I like the culture there but like I know of like popular uh


graduation trips like destinations like uh near it nearby like in Bali or uh Krabi and all these like uh I think, it may seem weird lah with family but I think when you go with friends like anywhere is fine ah ya


I think with my family I don't know every moment like we probably remember it but I remember like uh in the past and we're just talking about this the other day in the past we went to uh there's this goat farm in singapore and uh like uh like a bunch of like uh


not not really a farm but ya a farm kind of area in singapore and we go there during my sister's uh birthday last night in the past for like, three years straight or something and I think one of the highlights that we when we went there was uh


because there was this mushroom place like they grew mushrooms and soak mushrooms there and uh when we went there like me and my siblings were really small, so we were pretty thick skinned and we went there for the free samples so we will sit in the in the in the shop and like multiple tourists group will come in and out and


uh ya we will probably see like three tourist group come and go and the think is we will still be uh sitting inside the same shop eating the the free samples ya I don't know how my parents managed to uh have that thick of skin to let us stay there for so long but ya I think that was a


fun fond memory that to look back on


ya I remember uh another time me and my family went to uh australia and we went to this chocolate uh factory and then they had this huge bowl of chocolate for samples and then I went there with like some other family friends that we uh like uh we knew since like we were born


ya and I think that was when I was primary two, also eight years and then like these these friends with they went there prepared like with plastic bags and all and, ya we were Kiasu that we just took and I think we probably took like a few uh bags of chocolates home and when we poured them together it was really quite a bit and it's really shocking how uh


as kids we don't have uh any like uh feeling of embarrassment


I would say I think I really like uh that time that me and my family went to korea ya that time when we went there like we just watch like some uh korean drama so when we went to the palace and all that like it was, uh more meaningful and when we like followed the tour guide and uh not okay not really a tour guide but the guide that they had at that place like uh it was really interesting and I think


it wasn't just like uh sightseeing thing but it was also a educational uh trip and we also uh when we went there we have uh me and my sister got food poisoning and, uh ya we spend like when we travel to this place to go uh skiing and we spend the whole journey there like uh having diarrhoea and like stomachache and


(uh) ya it was really horrible but I think it was it made it very memorable [ah]


part one financial related topic


oh , uh so do you have personal insurance