it is it re it's quite like err at first it was very very bad like park right from experience for me ah because I was like, I think I have like migraine or like for like a few days cause I couldn't I don't know why ah maybe I'm stress or something I don't know what happened I'm just like I had I have headaches every day


and then I'm thinking I should I really to get out of the house because if not right I'm just I I don't know what to do also and, so I so after that, that that period right I went out and like jog I jog to the waterfront park so that was the part where I like I decided to run like every two days ya so for the entire month I I run I ran for like


I ran regularly ah and that really help me like you know kind like a routine in my life ya ya, cause I also just finished school what so I I'd I couldn't bring it out I don't have, anything else to do


so running was like way for me to, like uh sort of get through this, ha


, oh shit sorry I, my my uh screen blackout


yeah yeah it fifteen minutes, (uh huh)


yeah should be still running yeah yeah yeah, okay okay


yeah it's loading forward ya, okay, okay, okay


yeah I screen shotted ya


but you are out and about now


oh, I I want to keep fit but like I find that running is the easiest way for me to do it yeah so I that's why I run yeah I just go go downstairs and run like one round around my neighbourhood


but it ya depends maybe you can go swimming do you know how to swim , err, we can go badminton one day


do you, I think so, yeah


, oh okay K,


, yeah,


ya cause I just graduate and like you're still like searching for like a job that, or like a work that that you think that you will be happy in it


depends on how you, I think depends on how you see it, uh see things or like there's different perspectives I also like respect like people who who who place like, money and like as priority ah because to them it's like everything to them but I I recognised and respect their opinion lah because like you know it's their life and they maybe they went through things that I I don't know


that I have never been through before also but for me, I think like having enough is, is having like enough for it lah is just nice for me ah like don't have to be more I don't don't need like more just enough can already


right okay (ppl) ya ya ya ya of course of course


part two positive experiences, okay uh


maybe you can follow the


right , ya travelling is a very uh memorable experience, uh positive and memorable experience


, okay which which are like the past three eh we went to taiwan myanmar and


oh ya ya ya okay which one was the most memorable for you most memorable and positive for you, I mean like happiest lah maybe happiest memory


different right ya ya, ya, that was quite random


, yeah, because like that period of time I have nothing on and then like


waiting for and I think travelling is like a very good opportunity lah, so Kampung ya ya


yeah the dogs so many dogs and cats, yeah , okay


oh why ah, (mmhmm), yeah you have I think you, your your experience was more memorable should be more memorable than mine


, no eh you remember we went to we went to uh the the island then you've got sting by stung by jellyfish


, what where was that again where where was there ah Tioman ya ya ya that was so funny


yeah but it also funny eh, but it was like quite it was oh it's just it was just a year ago then a year ah you we went myanmar right you always like have a like little accidents


yeah ,


but it's lucky lah cause like it's not it's not big and it's like at least is not that big and like unfortunate like eh that it can be worse eh like ya ya ya


, ya oh my god the jellyfish was almost like unexpected and like I don't know whether to laugh or to be shocked eh when I first like saw the that jellyfish it was so big also


yeah , my other travel experiences


(oo), err I think one of my most memorable one would be backpacking not after I really like, finished diploma, then I went backpacking with a friend and then we went we were like out


for for about two to three weeks we were travelling around, around uh where ah where do you go, uh that was a few years back already let me recall we went to Bangkok first and then we took the train to


uh laos laos we went to #luang prabang# and like some like rural rural areas I forgot this the town, but #luang prabang# was really really nice like it was the state as like the UNESCO heritage


and like eh the people there is very nice and like we chill a lot like I I find it very uh chill uh very chilling experience, chillax experience ya and then we move up, back to #chiang mai# #chiang rai#


#chiang mai# was also really very good like but, it was all through train like we took we took we travel by uh train and buses, so the journey was really very tough and like we were on the budget like we told ourselves like we can't like spend we have a budget of like six hundred dollars for the entire trip yeah yeah yeah it's like a challenge for myself also lah so


we didn't really like like uh eat like very good food we just eat like street side food and like get the cheapest food like maybe we were eat bread yeah just eat bread for a meal and then like , ya it was quite tough ah but but memorable and oh ya the most memorable was uh we took like slow boat


back to thailand, it was a day day and a night day and a night uh trip ya !wah! it's quite crazy eh, yeah I was afraid I would get seasick so I ate the the seasick meds but ya so actually the seasick med is just the it's a motion sickness pill lah so actually it just makes you want to sleep


ya but it was like ya it was very memorable for me, ya like meeting actually it's not as bad lah as what people, think like you know like very dangerous and like and like you may like bad things may happen but actually along the way we met really like very kind and good people like it's not as bad and like it was a overall very enjoyable journey and experience yeah


uh, locals and tourists yeah because we we we mostly stay at like backpack, girl hostels, so you met a lot of like people like us lah like uh


who wants to travel like two different countries so we actually met a new friend who travel along with us, from from uh thailand like to another state lor so we like stick together for maybe like two to three days, yeah so but then after that right we had the impromptu trip like after the the whole trip ended right we had another impromptu trip shortly after that trip to go to uh where do you go Malacca


ya it was very impromptu because like the the the guy one the the my our friend wanted to go to uh Malacca with another friend which she met in when he was schooling and then and then so we we decided to tag along


and that was for another week so it's sort of like extended for like one week the trip to malaysia, ya to malaysia ya we went to cause he drove and then we, we we sort of, tag along and then he cause he drove ah so we get to explore like other places apart from Malacca so we stayed in Malacca for for maybe two or one night and then we went to like Genting KL


and then like like more other parts of the malaysia that that part of the malaysia ya, ya it was quite, ya ya ya ya


yeah how about you, right I remember you went solo to uh using the app right anywhere


, you pray lah , yeah


yeah I remember you told me that I was like !wah! very YOLO


but you still went ahead,


so where do you all go like where did she bring you to around, oh


, yeah okay (mmhmm),


and he's a local right yeah he he (mmhmm)


right ha,


ya I saw your photos instagram photos you went like diving right eh, right ya I forgot what is it called ya ya ya


but like everyone was doing it also right like the the tourists and every right, ya ya


(oo), , ,


!oho!, ya it was so high eh how many how many how many how many , uh how how how high was it


well it's so crazy I won't I won't dare to do it (ugh), so like did anything happen after that you safely make the jump oh


, !hais! as usual


(mmhmm), ,


oh so you wouldn't say like there's like a particular happiest moment in life but like you you consider like little moments as as that more


you always laugh at me, , yeah eh the entire plane right back you you were just laughing non stop and that I couldn't stop myself also


ya the best thing was you child also was also like laughing, laughing with us


, !hais! I don't know when can travel again, (mmhmm)


right chinatown, ya, ya this is our hangout chinatown


memorable complement ah , do we have one I I still I'm still thinking


uh memorable compliment, (mmhmm) okay


,S., (uh huh) who who who said that


oh gasper ah, , ya I don't think you you really make anyone feel uncomfortable


, yeah yeah yeah I usually find it like quite awkward when I need like people that I'm like when I'm alone with like people that I don't really talk too often so I like yeah like I will get awkward so like I feel like you are one of those that I won't feel feel that way also


ya because like ya like I remember when I first met you in in poly we were just like talking and then like very natural and I think it's very ya that's why uh I've been talking to you ever since, yeah


yeah, I can't remember eh at the top of my mind like must be memorable enough for me to remember


no lah it's like must be memorable what like I can let me think let me think (hmm) there must be one,


(ppo) (mm) those are not memorable [lah], [oh] (ppl)


okay mine is on already, , okay, financial related topic


ya okay can start first megan


ya do they say why oh


ah ya that's good


ya that's nice ya cause like usually is like the claiming period might take very long right then is like you cannot get your money back, ya sia, oh that's nice okay for me right like I actually just had a chat with my mom yesterday about like the


kind of plans that she has for me so uh in general right we I have the plans that she bought for me she bought me uh three plans and they're all under AIA ya which I found it quite surprising because if I remember correctly like , I had a cousin that work at like GE before so like I thought like we supported the cousin before and I got a package from the cousins before ya so like uh the three kinds of insurance that I currently have that my mom bought for me like since birth kind uh is life insurance


hospitalisation and personal injury so uh basically my mom she told me like there's a difference between your life insurance and the endowment plan one the one that I saw in our question, ya so apparently lah for endowment plan right is like different from life insurance in the sense that there will be a term like maybe ten years twenty years or like twenty four years ya according to my mom ah


and then like uh basically after you finished paying like that number of years then you will get back like a lump sum kind of thing so it's like low key like financial management you know that kind of stuff that I learnt there okay then uh but mine is a life plan so like life plan I don't know like when I hear about it right it's really like


buying for the living to me because like the only time you get the any money back is when you're dead or when you are like or when you are like certified dead and like my mom told me right, the either all condition to get the life plans money is number one dead number two is like if you lose


two organs or like limbs so she's like if you are blind in both eyes then okay if you are blind in one eye and then your one arm loss then okay, you know is like okay so it's like okay you have to lose things in order to get the money from from this ya so like oh


and then is like I think it's like a monthly payment kind of thing so it's like for mine I think my mom just give me an estimate is like or let's say you are insured for like a hundred thousand so when you die you get hundred thousand but like every month you pay like hundred dollars so she was saying like uh you are supposed to break even when you hit about twenty years


so is like I think like when you hit about twenty years is like you will have already paid like hundred thousand and like if you want to like terminate your plan halfway right ya then you will get back like that sum of money [orh] ya and another interesting point she pointed out was that when you


uh when you terminate like just a few years in right you technically lose money one like you most probably will not get anything back from like your hundred dollars per month and all so like life insurance is really to buy for live hor and like I personally don't know how I feel about it cause like


to be honest I always felt like insurance I want to like buy for myself so like ya it is really to take care of your next generation or like kin I feel like life insurance ya megan do you have any life insurance ah


oh okay ah, okay nice


, oh ya that's true that's something I've to consider also like to take away the burden from our parents right like since they already like paid for us for like so long, okay uh then like the other plan my mom was telling about was the hospitalisation one so that one uh I forgot which one cause between the hospitalisation and the personal injury one right is like


uh if you don't get a get an injury or if you don't get the hospital then is like you will like literally not get anything one I think is the it should be the hospitalisation one that is like more flexible in a sense cause like that one it kind of like adds up to


uh whatever your uh medisave provides so I think is a plan where like for example if I end up in the hospital and then like what my medisave can cover cause there's always a cap to how much like each policy covers you, ya so it's like they will use up like the medisave cap and then whatever that's leftover right like this insurance will take over and cover it all to like kind of ensure that you don't have to pay anything


ya eh but the thing is like oh then my mom told me like this one if you're ever in a hospital it like lets you stay in like award also and she was saying like how like , for this policy right is like kind of like <mandarin>如果:ru guo</mandarin> like if you


like get into the hospital one time and then like it will be worthwhile already but it's kind of like, I I don't think it will ya it's the fixed premium kind of thing so it's like uh like cause I bought it when I was young right so it's like the younger you buy insurance the cheaper it is mah like you know leh like ya like the ya the older you get the more people don't want to insure you so like ya then after that


ya so it's like it's fixed lor like from the time you buy ya I guess but it's like who would want to go at the hospital right like I don't know like like, for me I would never buy eh like okay especially my last policy the personal uh accident one you know the personal incidents that kind of stuff like that like I feel like like okay lah touch wood touch wood is like I feel like I've been quite careful like I


I don't I never do sports CCA you know like since like primary school secondary school kind so it's like I don't get injured like my friends you know like they will come to school with cast, you know and stuff like that so it's like I felt a little bit offended leh when my mom told me I have this personal like uh incident kind of thing I was like I don't like get hurt that often even like on a regular basis like I feel like it's very waste money


but like I guess like to my parents is like they just buy for a peace of mind , ya I feel, ya


no, ya the thing is ya I feel like for myself right I'll be like nah I don't need it but I feel like ya I feel like if it's my children I'll be like okay definite please insure them in all the ways possible it's like yes please protect them ya sia ya but made me thinking like !wow!


ya I get it's a lot of you'll never know but like, I don't know eh like


I no because to be honest right when ya when my mom first told me that she got it for me right I feel a sense of like like are you saying that I'm going to get into an accident kind is I feel like you buy already right it's like, you will want to get into a bad thing to use it because like if you never right then ya they have those policies where it's just pay for nothing kind you know like you cannot even terminate and like get back something you know


so like ya it it makes me feel like ha maybe it's cause we are still young you know maybe like uh not so scared of like dying yet maybe ah , ,


ya sia like !aiyo!, , but ya I feel like there's like anyone they like do get insurance as like a form of investment , because like like for the life policy thing right like I was also thinking like if you


like I'm sure there's a way to like make money from it you know it's like you can count your number of payouts and like whether you terminate at a certain point then you'll be able to get back money like sort of like you put it in a bank kind of thing you know it's like monthly you fix or will this be uh


, that's why cause I thought like the word endowment isn't it like the like the bridal thing like the bridal process right like what when you get married then like the bride or the groom has to give the endowment thing , ya ya ya so I thought it was like a it was like a a plan for like just females or just for people getting married ya like like that was what I derived from the term


ya I thought that was what endowment plan was, ya, oh my god okay do you see question six, do you think CPF, insurance coverage is enough, for your insurance coverage


have you heard of the schemes there before ah dependent protection scheme , I, ya I felt like we learn about it in like SS, but I uh


ya but I like low key don't remember I only remember like MediFund cause I feel like MediFund was the it was the easiest one to memorise no MediFund is just for those people who like uh don't have enough money mah so it's just a fund for them to take money from


oh, is it ya then is the medisave coverage oh my god I now I low key remember like a table in our SS textbook is it the one where is like according to your tier then how much for medisave you can use is it something like that or is there like no limit for medisave


oh


oh okay so is like like when we go out to work then it's like the CPF contribution they will take from your CPF contribution or like in addition to CPF contribution you will need to make a contribution for your medisave


ya I think so, ah, oh yes yes yes I remember that then it's like, oh, true true true true true


oh I had another plan right I think I think my I think my parents terminated that plan I remember it's called uh it's by NTUC fair price or maybe it's not under insurance that's why like my mom didn't tell me about it but like I remember, uh going with her to like talk to the insurance agent about is like a plan it was called like pay my uni kind so actually me and my younger sister we both like have that plan


but like I I don't know whether it's still like ongoing or not ya but I think it's also like uh that one is kind of like a more like legit, uh savings plan in a sense that it's just uh you pay the monthly instalments and then after that like uh at the end of a like target year then you will just get back the whole sum lor like for university fees I guess


ya so like , ya ah I I, I think I low key think is because like they needed like some funds for like other stuff ya I think I think I think that's why they terminated that plan ya and also maybe like the returns like the the rate the interest rate maybe it's like not very good


ya sia my god wait uh megan then for your plans right are there any like uh, termination like mid plan termination penalties, like ya to encourage you to, ya right cause like I feel like some policies they will have a penalty to like make sure you don't drop it


ya sia, ya but honestly it's so difficult leh you know I've to think about life insurance again it's like, like for example like mine then like when I actually die it's like who do you even contact right cause like my agent most probably dead as well you know it's like a


ya, oh, oh okay


ya , ya sia, ya oh my god wait , , true true and it's like I think another very big thing you have to consider is like the stability of the companies cause you are buying a life insurance that's like most will be like a sixty year kind of thing so what makes you think that fifty years in the company won't like just shut down right like I feel like there's those kind of considerations that should really


be like considered leh before you buy any policies with like any insurance companies because wait uh megan you know like, , AIA ya


, ya better like like like check out the news but like are are those like government backed ah no right cause here we have a lot of things that's like low key under Temasek holding which is like under the government so like are they like under the government


!wah! I think that is some like pretty good service eh like it makes the process so seamless you know, and like !wow! I think that's a good that's a good policy man, like oh okay then megan for you like for your family right like you know when you all go overseas like you know when we still could like do you all plan to like do you all buy like insurance one ah cause like go overseas you also can buy right like is it in case your plane crash or your luggage lost that kind of thing right your family do you all have the habit of buying


ya do you all have the habit of buying ah like, oh away, ya cause I I remember like my family like usually we'll buy also then it's like if you come back then you got cough and all then if it's within an hour of this you can go and claim ya but I feel like on the occasions that we don't buy is like when my parents forget


then they will come back and they'll be like oh we forgot to buy the insurance then it's like okay never mind since we're already back like , oh I felt like it's the it's the getting sick one to me lor cause somehow I think like it's just because of the climate and because you are not at home like usually when you come back you'll feel a little bit like unwell you know not at your hundred percent


but like ya usually not at hundred percent maybe like eighty percent I won't go see doctor but since I have the insurance you know might as well just go and get an MC ya, okay then do we stop talking


negative experiences


okay, !wah! I saw the uh, the first question describe something you watched or read that gave you goosebumps I think for me uh megan I start first ah, (ppc)


!wah! for me right cause like I'm a very uh hairy person if you remember okay I'm a very hairy person especially on my limbs so I think like for hairy people like when they get goosebumps right it's like, a lot more obvious right and like to me it's not only obvious I get it like a lot easier


so it's like every time when we talk about like ghost stories right like they just need to talk like do you remember our j one orientation and then after that like there was like this OG dinner then we talk about like ghost stories we're sharing ghost stories and then the seniors were like low key telling us like ghost stories like school based ghost stories


then is like ya like super fast one you know like you just need to get me in that mood right and then you start telling the story right is like by first paragraph right all my hair standing already, it's like ya I get it super easily I feel like I get it, easier than when I'm cold ya cause like I feel like because of my hair you know and because of my uh fats you know got a lot of insulation so I don't really that get cold that easily so my hair don't really stand when I'm cold but like it will like legit stand whenever I hear like scary ghost stories like


super fast like !wah! ghost stories are like , then I used to read the the you know there's this book that they compile ghost uh the true singapore ghost stories, do do you do you remember , ya that one ah and the freaking mister midnight ah !wah! it


the mister midnight is like low key screwed up right it's like the kind of things that happen but ya so like when I read those two right, oh my god I don't know if you can see but I literally have the goosebumps now, like talking about it like yes oh my god it's standing up oh my god, yes yup so that is like an example of how easily I can get goosebumps


from scary experiences , ya, oh my god, oh my god I think you can do this, describe an event that made you very angry like that day you were telling us about after your o levels then after that you went to work at a supermarket is it then you had


an auntie that made you very angry is it uh uh I think you can share about that like why you so triggered like like you quite nice and patient all what , how come how come that until it trigger you


serious


, eh wait sorry question question , uh for netball right is it like basketball like that like every shot is like two points or every shot is like one point


like okay okay okay


ya ha (uh huh) oh my god, (ppc) ,


ah oh my god you can do that , , oh okay okay, okay that's cool okay


oh my god, , oh my god , , oh


oh


oh but like, , but I mean like that uh that player I mean since she's that player that bounce the ball back like she should have known right whether the ball touch the floor before she touched it like they never come out and say that oh uh


oh my god what ah, , oh my god but how ah was the how was the how was the end score


but I think !wah! it really shows like how it can affect the morale you know and like ultimately performance eh, !wah! that was , !wah! scary scary scary, ha a experience that make me angry ah


uh I I I don't know lah I think I'm a like a very, emotional slash impulsive person so I think I get angry but I also simmer down very fast ya, so like there's no there's no one moment that pop into my head lah that I'm very very angry but I guess uh my usual angry moments will just be uh when I'm dealing on carousell


ya when my buyers are being weird and dodgy and where they don't reply and when they give me their contact number I call them but then they don't pick up you know then they are late for meet up they don't say then they just MIA ya those kind of moments get you know leh those tiny little things you know they make me very angry


but I just take a deep breath and then I'm like it's fine it's fine it's fine I will always be able to find another buyer that's why keep calm keep calm and carry on you know the it was trending was it in primary school ah the crown and then it's always like keep calm and something right


keep calm ya keep calm and carry on oh I saw this one !wah! this is pretty !wah! real world topic I feel like maybe we should discuss this for purposes of our GPSA, okay uh it's question six in a post COVID world what are some of the worries and anxieties you face (oo) for me lah like I start off first I feel like


ah, oh I mean this is a post COVID is post COVID world, eh you have to do proper question analysis before you dive into your essay hor if not later ah stray from the topic ah


ya sia I feel like the first thing I thought of was the whole mask issue again, like it's really inconvenient eh the mask and it's very uncomfortable and it's like not good for my skin you know the pimples are like appearing more and more but I feel like in a post COVID world right if there ever comes a day where we don't have to wear a mask compulsory outside anymore I will feel unsafe


you get it's like it's like you spend so long wearing a mask outside especially in public areas, when the day comes where you don't have to do it anymore it will feel pretty weird right I'll be like damn I'm directly exposed to all these liquids and like people and like


stuff like that so I feel like that is one thing that I will be pretty anxious about the mask ruling eh like that one ready, that one really hit me ah like now when I'm thinking about it like now every time when I'm on public transport right and like somebody sneezes you know like last time it used to be very chill you know like even when I'm sitting beside the person I think I'm like a very chill person I I'm not super like OCD or like super super hygienic kind


ya so like when the person sneezes I'm like quite chill with it one but like now right when they sneeze I'm like okay okay I know I'm safe ya that's the feeling I get so I feel like when we don't have to wear mask anymore and somebody sneeze I'll be like you know I don't want to like seem rude also sia


so I feel like that is something I'll have to like adjust internally also and like most probably get used to it, but we're most probably sad to say not so close from this reality yet right from being excused from having to wear mask so like ya ya that's scary anything that came to your mind like for post COVID world anxieties and worries


ya like , ya sia right and some more like we we singaporeans we're all Kiasu , (mmhmm), oh my god


that's true eh it's like I feel like this COVID right it really shows like, how vulnerable we are as human beings you know like ultimately right like you think like oh ya we know we're superior compared to like uh animals you know like we are the most knowledgeable species but all you need is one little virus right and the whole world just stops operating the way it used to


like I was like really shook by that leh cause I think especially for our generation right like we don't really live through this kind of thing like I mean I think ours is most probably SARS is it but like that one we we are like freaking young so like, like we don't we don't like feel it but now you know when we are like freaking eighteen and like this kind of world pandemic is happening like


I think it really humbles a person down also it's like you like you don't think you are so big you know like your body ultimately you know is susceptible to this kind of thing and and not only takes you your country you know it brings the whole world down you know and it's like, very scary sia like and oh my god ya post COVID world like what if something else comes out I feel like that will always be nagging at me at the back of my head is like


I don't think we can survive or like live through another this kind of pandemic again like personally I feel I for our singapore economy especially like, the government has been giving out so much money right I don't think they can do that one more round if we were to have, it again cause like ya sia like <P1>Heng Swee Keat</P1> also say it's like you need time to build up this reserves again right


is like usually we we have been building up for like this fifty five years you know and then use so much eh you know so like if like that were to happen again it needs to happen at least fifty five years later eh oh so scary sia


ya sia anxious anxious and I I don't know lah cause like for me like uh I have uh, eh we are having problems connecting to the network oh no okay okay okay, uh for me like, uhI have a family members that are like directly affected by the whole pandemic crisis lah so it's like I honestly I feel quite a lot of the hits


ya cause like for my aunts <mandarin>她们:ta men</mandarin> uh like they they run stalls but like not their own stalls they are the kind where they uh they rent the shop's space in front of shop , you know it's that kind of shops eh sia so like for them like like you imagine the main shop itself already cannot open that time during CB so like for them is even more like have to wait


and wait already you don't know whether the crowd will come back you know you don't know whether people's purchasing power and attitudes are still the same is like !wah! it's really , this is a this has been a scary year scary year I mean like I think twenty twenty ah like although as nice as it sounds it hasn't been smooth sailing at all like do you remember you know like uh I was talking to my dad that day after watching the ten o'clock news


then like uh we were arguing cause I told him that uh that was like was it, is it in uh am I lagging ah, am I lagging, okay ya uh was it like recently right there's a fire again in US <mandarin>对不对:dui bu dui</mandarin> like correct there's a like a outbreak again


so like my dad was saying like ya !wah! you see so fast got out got fire again you know then you know it just happened last year in australia then I was like no the australia one happened at the start of twenty twenty like, ya so like twenty twenty already started off so disastrous


and then it just got worse from there so off honestly not not just cause of our a levels but I can't wait for twenty twenty two and like, uh I'm so ready to welcome in a new and healthier year please ya


but we have a longer break mah [orh] [orh] [orh] oh that's true that's true


(hmm) , !wah! I I really don't know I mean I I hear from some of my seniors right like I know uh I think NUS is fully e-learning but I think for NTU is like they are like kind of like resuming like face to face so I think it that it can maybe that can be a factor in us choosing our university whether they have face to face or they have


online !wah! but ya sia scary times, like and I think also cause we have quite a long break right before we are supposed to start uni so like uh, I wanted to work one sia like I wanted to work eh but now earning hard sia it's hard for those companies to even keep their original full time staff I don't think many people will be hiring part time ya and like most of the


ha oh, oh ya ya ya I think oh that's true that's true but those are like pretty boring like you just stand there , you know and I feel like like the part time jobs I applied for after my O levels right are those that like in F&B kind I I feel like I like to work F&B cause although the pay is low but it's very busy and time passes very fast but I think now !wah! with COVID I cannot imagine eh having to like wash all my dishes with a mask it's going to be like


!wah! right you're going to be like sweating dirty tired and you're like with the mask, !wah! and then when you ya sia cannot even like sneak a peek, ya !wah! that's pretty scary times scary times, okay oh my god this is so interesting isn't this like the murphy's law do you see uh question thirteen a series of unfortunate events describe a time where everything could possibly go wrong did go wrong is that ah is that the correct the murphy's law


, oh my god do you have a day like that I feel like I do but like I'm not recalling right now


for me I think I just remember uh like uh NOC you know like they did a video on this so I that was how ya that was how I know the whole term on murphy's law I feel like this will just be the opposite of my positive event like when you miss the bus


you miss the train you go to school you forget your you forget your homework then you get scolded then you have to stand outside the class then after the class you're like oh eh the homework was in my back after all , right and then uh we want to eat <mandarin>版面:ban mian</mandarin> but <mandarin>版面:ban mian</mandarin> stall close oh I feel like


efinitely would have experience such a day before but like ya sia right it can be like just very simple things you know it doesn't have to super disastrous you know but like this kind of things right, are like will be memorable also lah !wah! oh my god phobias I mean I'm I'm sure you know my phobia do you have phobia ah


ya yeah


okay


positive experiences


okay okay BFF do you want to start first any particular question that like catches your attention for positive experiences, uh


oh okay travel experience okay what, okay , oh


cherry blossom, ah, just flowers , yes


it's iconic ya eh wait sorry sorry spring spring is the weather hot ah spring like uh, oh it like aircon temperature is it like


oh, wait which part was japan was which part of japan was that that like can see cherry blossom


oh


oh, oh so the experience that left you in awe is the cherry blossom lah the twenty percent of cherry blossoms that you saw , , !wah!, do you like take a lot of pictures I feel like I saw your instagram post but I think you edited the cherry blossoms is it like in your cover picture there it looks ah


ya it looks it looks like quite a lot leh like that's some good photography skills there, eh wait so like for for this trip is like do you all did you all follow any like uh tour guide like was it a package or that your family like


oh you all usually do, ya you all usually do free and easy ah, so like my family I feel like we only free and easy when it's like a chinese speaking place so it's like if we go taiwan ya then we will like definitely free and easy and because like our neighbour is a she's a taiwanese so it's like we always actually we just ask her the plans sia then I ya we just tell her okay uh where is good to go what season what food should we try


ya so it's like if not usually like we do join tours ah ya, I saw this question uh where ah uh question ten oh my god uh when did you blush the most describe the experience


is like I feel like I'm actually like a pretty shy person like in the beginning like ya and it's like every time when I get caught upon to answer question in class right like I will get I will blush like immediately is like I can feel


it's like I I mean now in JC you cannot tell lah cause I think I have grown out of my shell you know but like back in like primary school and secondary school I was like really really scared leh I feel like if I tell people this a lot of them they won't believe because of how loud I am right now like in JC but okay


ya but it's like I can feel the whole experience it's like I can feel my cheeks right from here slowly right I'll feel, hot and then it will hot hot hot until the apples here and I'll be like oh my god I confirm damn red and the thing is right last time like in primary school


I didn't know I turn red I thought I just feel hot, but then I remember it was in uh four you know like when I have to answer like this like MF question that I didn't know the answer to then my friend right my desk she look at me and then she was like, eh you are freaking red like you look like the tomato you know


then I was like ha really meh it's like I don't feel that nervous or like anxious but, it's just like a immediate thing so it's like once they call my name right then is like then I have to speak up alone impromptu then I will get


so red and it's like damn embarrassing eh it's like people will think like you are shy and all that but actually I'm like not it's just like a reflex kind of thing you know there's like no emotional shrinks tied to this reaction, it's just like it'll heat up and then I'll get damn red


ya sia and like I was like very like self conscious about it for a while then like I think I just like managed to like self regulate and like get used to the idea and like now I don't turn into like a tomato like that quickly and like regularly ya but I feel like


that was a pretty interesting like blushing experience like I never knew I would I could blush this much is like it's really weird it's like like my shirt kind of red like my whole body like neck up will be red it's just like pretty embarrassing I don't know but like okay I'm glad


no eh it's just, it's like it's just like it's just like when I hear my name get called right I'll be like eh then like the the feeling will just come out but like I'm just like my reaction to it is like uh oh yes but my face reaction show something else you know it's like a oh my god oh my god oh my god then it's like but I usually don't feel that many things


but my face still gets like so red ya so that was yup, ya usually only happens now when like I talk very aggressively ya then it was I will get red but like ya last time is like oh I I my name just needs to be called and then it will get red so like ya


oh my god ya any other questions that catches your attention megan, , the first one ah, ah that one ya like that's why I I didn't really like choose that question cause like no specific


uh like experience came to my like for me because like my family we used to travel a lot like back when I was in primary school right, like every june and december holidays then my parents will arrange to bring us somewhere and like it actually happen all the way until like sec four but I think just not in like now in JC is like super hectic so it's like I really I don't want to go anywhere


so it's like it's been a hot minute since I travel with my family but, I think one experience that left me in awe I would say uh there was one trip cause like uh for me and my family like I'm quite close with my extended family so especially on my mother's side


so my mother side right I have a lot of aunts and uncles and then like their kids so my cousins like we're all very close cause we will always like meet every saturday but of course now we don't because you know only five people per household you know yup so like now we don't but we used to meet uh every saturday and that's why like from young ah from young as I remember like


when I was in primary school we already start doing this like saturday traditions so like damn close and then we plan a huge family trip with all together to like I think two or three places you know but like okay I'll talk about the main one which is to china Beijing ya , ya and I think that one we had a tour guide but it's so cool is like when the whole bus is your family members


it's like that kind of thing and I I think our group was like a seventeen people group it's like seventeen or twenty ya it was so fun like I look back at the pictures right I'm like oh my god is like we were so small and like oh that experience right why is it so special is because


that was where I first tried lamb or lamb slash sheep meat you know cause like in china they have a lot of those like street side stalls right there are like uh they just, have like the barbecue meat like one stick one stick one stick one stick and then they just put the the plaque there you know then they just like okay uh this is cow this is chicken this is pork and then this is lamb


so when I first saw when I first saw lamb I was like uh is like I've never ever seen it before but I was like okay I would like to try it like I'm sorry to the little man but like okay sounds pretty interesting , and I remember after I took my first bite right my uncle he was like


why you anyhow eat this is china you know that one I tell you confirm is rat meat, then I was like oh my god ya like he he was tease teases me lah then I was like oh my god rat meat are you serious but then after that I was like eh , actually it taste quite nice leh so like it's okay lah even if it's a rat meat I would eat it ya so that is where I found out that eh I actually kind of don't mind how the lamb taste because I feel like lamb especially like is it has a stronger smell than beef like do you think so megan like do you like smell before


, ya ya like a goat milk smell right like is it ah, we have we have meh we have uh, oh, but ya it's like ya so I was like eh ya the smell is actually quite shock and like for my mom like she she already cannot take beef so like the lamb for her was like a absolute like no like please go away if not I will like gag kind of thing


so like ya I tried the meat there and another thing was like we had I I saw my first snow there and then because you know it's china so it is polluted, so the snow right when it was coming down we were all like !yay! !yay! !yay! then I realise that eh my winter jacket right it was a light pink winter jacket after the snow come down then I wipe it away there was a black stain and that was how dirty the snow was like it drop right and then after that my my jacket right now right it's like a polka dot jacket


ya cause that was how dirty the like the air was that such as you know even the snow that falls down is like, ya it's that dirty so it's like we were having a lot of fun but it is so dirty so if you think about it it's a bit like you know you need that hand sanitiser ya and it's like may


uh no because okay that was also when I realise right that when snow falls down right it's not actually in a snowflake shape it's just a raindrop that was where I learn that , I always thought that when snow falls you will see like snowflakes you know those three d pieces ah


so nice ah in like frozen movie ah then it's not it's just like rain but it's like a like a small little ice ball like when somebody spit ball at you ya sia so I was like eh so it's like when we see it right ya if you catch it it's like there's like a greyish hue to it so it is dirty


ya it's like dirty from the start, so that was a pretty interesting experience for me , ya hopefully we'll be able to travel soon after a levels do you have any plans for after a levels like as to where you want to go or


ya your family got make any plans, , korea, yes I have but I don't remember anything from korea though ya but why you why korea I have no idea


I think is like primary school kind so I don't remember already ya why korea though like what for like k pop meh


scandinavian scandinavian countries , is it what is called the scandinavian country


so like out of all the foods that like he shows like the korea one captures your attention the most ah


I feel like I do ya when you say white I feel like I think I see before


oh, but is it like there's a lot of health benefits is it health benefits, like, wait then


oh but like uh this this YouTube guy right like how is he like a backpacker or like or like a rich guy so he like just fly first class to all the countries kind, you know or or he like those roll in on a budget ,


so usually he will take plane one ah , oh, oh nice nice nice, , !wah!


okay let me see ah other questions any other questions let me see (hmm) I saw the where is it ah describe the moment when you felt the luckiest , I feel like that question do you want to answer or I can answer first I feel like I have something to say for that question I feel like my luckiest moment right like


uh it actually happens uh quite frequently because like to me what is luck right is when I go to the bus stop and a bus just comes , you know then I was like !wah! that is damn lucky and for me right how I go to NY right is like I have to take a bus from outside my place to the MRT station and then after that MRT station all the way to #lorong chuan#


ya so is like, it's it really depends hor it's like you, you can use all the apps right but nothing can beat the feeling hor of you being there at the bus stop and the bus just comes you know it's like not too fast not too slow you know and then you board the bus you go all the way to MRT station you walk at a normal pace and then just nice the train is there


so like ya I feel like it so far in my like one point five years in NY right like this kind of moments right it doesn't happen that frequently you know but it's like when it happens you will feel like damn, this is your day everything is going well it's like it's going to be a good day you know it's going to be a good day even when you go home later right and it might not be as smooth but


it's the start of my day you know and it started out so smoothly so I'll be like damn damn I feel like that is what luck is that is like sheer luck kind you know and like usually when this kind of days happen right is the days where I don't check the transport app before going out, ya so it really feels like a like a heaven plan kind of thing that they I want you to have a smooth ride to school you know


ya so like I especially enjoy those kind of moments ya those are like damn lucky moments for me, ya what about you megan


, ah, , !wow! , ya


ah, (uh huh), !wow! I think like


oh , oh but I I was like thinking like no you know I always wonder right like cause for me I use the app was it called like mytransport SG or something like that so it's like I use the app, ya but the thing is I'm always damn confused like how do they know


like the buses what time they will reach so is it like there's a GPS on the bus that like auto updates because on telegram which is another like platform I use right there's this thing called bus uncle, so it's like a bot and then you can just type in your uh your bus stop code and then what bust you want and they'll tell you what time it's coming and then what time the next next and next next next bus is coming so I was like how do they do that sia is it a GPS on the bus cause like if I ask the uncle again right like uh where is my bus and then uncle will like send me a map


of where the bus is eh, so I was like eh ya sia cause like how do they calculate their estimation timings like how come sometimes it can be so accurate and sometimes it's like way off right, I'm like I thought by now they will have like refined it already such that it will be more accurate


but like , apparently it's still not so accurate ya so like that's why like I actually don't


(ppb) [oh] that's cool that's cool cool bean cool bean (ppl) (ppb) okay


financial related topic


uh shall I start first I start first ah, uh okay so I'm under two different insurance policies the first one is called prushield premier it is uh a private health insurance plan that provides additional coverage uh on top of the MediShield life


plan that all of us singaporeans are on lah and apart from that I also have a supplementary plan called, pruextra premier light so this actually provides additional fifty percent coverage on top of the prushield premier that I already have so like it's include things like


hospitalisation fees in private hospitals which are not covered under both prushield and and MmediShield life ya so uh what I know about this that's a bit special is that this supplementary plan is not under the subject to claims based pricing so I don't have to worry about


premiums increasing when I have to make claims as in when I have to in the future lah so for this plan itself uh my dad pays about two hundred and forty four dollars every year, and on top of this plan I also have a accident plan which is called


accident care plus two and it's by Great Eastern so for this I am actually covered for accident related medical expenses including like physiotherapy or like, TCM treatments and chiropractic treatments as well so should I have an accident that like leaves me unable to go and work in the future I'll be able to receive like a weekly cash benefit for up to one hundred and four weeks so


uh if I get hospitalised also I'll be covered lah, so for this something special is that this plan right I found out that it actually it actually offers more to women so actually women who sign up for this plan have a additional twenty percent on the hospitalisation benefit as well as some assured


for accidental death and permanent disablement and I'm not sure why it's like that but then, ya ya, and for this plan it's actually quite cheap my dad pays around sixteen dollars and seven sixty seven cents per month so ya so far my experiences with these plans are


are okay lah like because I haven't made any major claims yet luckily so but then I remember like, one time where I actually sprain my leg during the O level period and like I had to go for TCM treatment and but the claim process for that was quite smooth and fast lah so I guess it's actually quite a good plan for the price ya


ya and like you cannot find right ya cannot find your region and stuff


ya ya


serious,


the prushield premier is actually uh like a life insurance I think it covers me all the way until like as long as I want to sign it on for I guess ya, is like is together with the MediShield life lah and the MediShield life is forever so I guess this one would be also as long as I keep paying the premium every year


ya but I think because now my dad is paying for it lah so after I become like financially independent after I go out to work I'll like hand he'll hand over it to me so it will be fully under my name after that


, ya sia


, ya


ya but then after that your premium will increase what right, oh okay okay, ya ya ya ya ya ya


ya ya, ya


ya it's not that expensive lah for that for that peace that you get from it I I I think that you should buy leh like you wouldn't you wouldn't consider buying it after you like become after you go and work and you have extra money you wouldn't go and like buy for yourself ah will you buy for your children though


ya right, ya it's a parent thing I think, I mean if even if you said like you don't get sports injuries you might get like what I don't know like hit by a car on the way to school I mean you didn't never know this kind of thing


right , ya, I mean,


ya, actually I also feel like I won't get into anything major until like maybe thirty forty years later ya so complacent hor


no I think that one is like the second question like the endowment plan like I know that some endowment plan is like a combination of like investment and insurance (ppc) so like uh like personally I don't have any endowment plans lah but then like my sisters they have


endowment plans and something like it's something like uh it's like a investment like you put is almost the same as putting your money in a bank but then instead it's like with the insurance lah you pay the insurance company so like, I don't know leh I think that might be an option if you if you like feel like an insurance by itself is not worth your money lah ya


oh ya ya ya ya I know what you mean


ha


(mmhmm), uh hear before ah I hear before but don't know much about it lah I mean like MediShield MediSave we learn it we learn about it in school


ya ya social studies, oh is for the ya is for the very low income people right


ya also I think I think they don't have to pay anything for MediFund it's like the it's like the tier where like if you hit that income then you don't even have to pay for health care at all at least like the basic, health care


oh no MediSave is the one that every month you pay a bit of your CPF contribution and it goes to your MediSave account, and like you can and like that amount will just accumulate until you make a claim lor like for those MediSave approved procedures and like health care treatments that you go for in the future lah


I think it's something like you know like CPF is like twenty percent right I think like a bit of that twenty percent goes into your MediSave account there's like the ordinary account the special account and there's a MediSave one also ya


so like we haven't go into university your parents already terminated that plan ah was it plan or like, oh okay okay


oh, !wah! this one I'm not sure sia ya


ya especially like life insurance right since those are like for lifelong one


oh my gosh cause cause we so young then like the agent is already older than us so next time oh but then like , I know that if the agents like don't work there anymore they will help you to like they will link you to another current agent in the agency ya, ya but then the thing is like you know like my for my policies right most of it we sign it with our family friends lah so like when they change right then like the this new agent we don't really know him or her


like that well anymore so it will be a bit harder I feel to like do claims make claim sand like ask questions about other plans stuff like that ya, that's why I think people change lor ya


I think usually should be fine lah like great eastern AIA like yours is all under oh yours is all under AIA so if anything happens to AIA ,


oh, I think they are leh cause they have to like liaise with like the hospitals for the claims also right so I think they are somehow connected ya cause


my dad he recently went for the procedure right in the hospital , and like for the payment process it was it was very like seamless is like they already they already know what plan he is on when he's at the hospital and like they will automatically go and make the claim for him so he don't have to


like you know pay in cash first and then make the claim later ya so I think the hospitals and the insurance companies they already work together, ya


ya ya


ya ya ya got the travel insurance lor, ya ya ya we always buy leh unless is like those malaysia like those Genting three day trips kind lah ya usually if we go like by plane we'll buy like a cheap one lah in just in case I guess


ya ya ya ya ya


ya I mean like, I don't think anything much will happen lah as long as it's like a safe country not like the middle east and those a bit a bit risky ah with the


negative experiences


oh ya ya I got read I got read


oh ya, uh actually, actually that one still okay eh like if I if I see this question right the first thing that I think about is not is not that that incident but like maybe later I can share about that also but if I if I see this question right I remember like there was this time in in secondary school like when I was


I was in netball CCA lah then we had this tournament this competition lah and like how this work is like north zones so it's like zone competition so uh, is like you play against maybe like four or five different schools and like


among these four or five different schools right one school will get into the second round then that school will play against like, the the group of other schools that got into the second second round lah ya so it was this match where we were we were


one win away from entering the second round so if we won that that round right if we won that match right we would get into it and the thing is like my school right our netball team is like not very strong so we haven't gotten into second round for like


uh I think like five six years even ya so it was that match right then like, I remember the the score was quite close already like it was like uh like three or like four different four different four what's that called like the difference was like three or four goals and like uh I was the (hmm)


every shot is one point ya no matter how far away you shoot from the goal lah ya ya ya and like uh so like it was quite tense already right cause like we were so we were so so like we were so what's it called we were close we were so close lah


ya then then oh my god then uh there was this thing that the the opponent did like one of the players on the opponent team they they they okay so like in netball there's this there's this rule where if the ball the


uh okay it'll be hard to say but like if the ball get out of the court if the ball gets thrown out of the court and like you managed to intercept it before it bounces on the ground, like so like somebody throw the ball and it goes outside the court but somebody else runs to like intercept the ball before it reaches the ground and like to like bounce it back into the court


know what I mean, ya ya ya you can do that you can do that as long as it doesn't touch the ground lah that's the that's the that's the main rule like it cannot touch the ground ya then like, we saw very clearly right like the opponent the ball touched the ground before the opponent like smacked it back in so it was supposed to be like a no goal lah like like the ball like we will change possession like we were supposed to have that


that , have the possession of the ball then after that like we tried to like tell the umpire like what happened and like she didn't believe us like she was like no no no the ball didn't touch the ground so like after that we were like very angry lah we were all very angry like my team but then because in netball right like you cannot


what our coach told us is like we cannot argue with the umpire like because if we argue right then next time like as the match goes on like the umpire is likely to give you like, more fouls and stuff like that like it will be like more strict lah on you ya so we just continued playing the game and like uh in netball I play I play the shooter


so like the score it's kind of like depends on me lah whether like even if they can get the ball to the court is up to like whether I can get the ball into the hoop ya but then like I was I was so triggered by this incident right like, I I couldn't I couldn't shoot leh like for the rest of the game ya so it was damn angry like I was damn angry at the whole thing ya like


it was the first time that my my school had like a chance of getting into the second round at all ya and like, ya it was very sad and more of like angry


she know lah but then like, she was just competitive lor I guess she didn't want to like spoil her chances of winning, ya, and like I think the umpire wasn't looking very clearly also because like the match was going quite fast ya


angry sia, uh I think we lost by quite a lot leh like at first it was like a three goal difference after that it was like maybe like uh like eight maybe like eight goal different difference it there was still about fifteen minutes left I think


to the entire game when that happen ya so it affected like the next fifteen minutes, ya you eh you eh what about you


oh the first thing that comes to mind is like getting COVID right isn't it the first thing that comes to mind isn't it, oh post COVID world oh ya ya you didn't see that


ya I think quite similar to you I feel like, it's become such a part of us right like if we have to change then we feel unsafe ya when we when we first had the the mask rule right then all of us were like we keep forgetting to wear mask when we go out and like when we


then we keep cannot breathe like when we walk outside we cannot breathe then we have to like drink water then cannot then we forget to take out our mask when we eat this kind of thing but then as time passes lah we really kind of, got use got used to it already I feel like at least for me lah I feel like I've gotten used to it so that so after in the post COVID world right when all these rules are all these rules are like not there anymore I feel like I'll be worried about my own safety also ya


and like you know like after COVID there's no COVID ya there's no COVID but you won't know like what what other like, like disease there are out there that can be transmitted through like through the air right


oh but then you know like in twenty twenty one we'll be entering uni also


so I feel like that's another worry that we should have lah like after COVID what will the plans be, ya either like all E-learning you know I don't like E-learning eh, do you think there'll be like face to face lessons


for uni next time


oh, ya


then go and work as those like temperature screener, or the safe entry safe distancing ambassador


oh my god


which one oh, ya ya ya it is it is everything that will go wrong will go wrong something like that


I can't remember like do you you share first lah, oh ya


late for school, oh


oh my god, ya ya ya now that you talk about it


phobia ah I don't think so leh oh I scared of eh, no eh yours is like the bird ah, is it still, I don't have leh actually so chill


positive experiences


oh my god can we talk about the first one first I really miss travelling so much ya ya describe your travel experience that left you in awe oh my god, it was when it was when I went to japan after O levels ya to japan for the first time and like we went during the spring season so there was the what is it called the cherry blossom ya cherry blossom it was the first time like I saw


I saw cherry blossoms but at the same time I felt like you know like it's it's just flowers like you know sometimes at the roadside we see pink flowers also and it's about the same right, actually like but it's just the feel lor like the feel that you know like this is something that you actually cannot see in singapore even though it looks the same ya is different ha


no is very cooling is damn windy is like ya, uh no eh that time I went it was like, uh ten degrees around there ya, ya actually I think


uh I think the whole japan is the same but then like they have different blossom time like uh I think Tokyo is faster because like the the climate there is a bit hotter because of like a lot of people and like what's it called ah the global no not


urbanisation ya ya so like their temperatures there are naturally high [orh] and the because these flowers they bloom after winter mah where the temperature gets higher after winter it will like bloom, ya


ya it was so special oh my god the cherry blossom but then that time I went like we actually plan like if we go on this week we'll be able to see the cherry blossom like we we go and read all the forecast and things like that, but then the thing is it it was late so like the cherry blossoms were late so we didn't really get to see it ya it's only like I only saw it in like one garden like there's this park there's this like


nature park that has a cherry blossom feel like it's like in that field they they plant all the cherry blossom trees but then like, but then I also feel like is I only saw like, like twenty percent of what


I could have seen if I went if I went during the the correct correct timing lah ya but it was still special ya you eh you eh, ya the twenty percent even though is like not really in full bloom but it was still special for me ya


no no no that was that was how it look like that was how it look like, but then like I only took I only took pictures with that twenty percent of trees that had the cherry blossoms lah ya


no it was free and easy ya so we had to do a lot of planning before that


really meh, oh okay okay no wonder


ya exactly


but it's not because like you're nervous meh at all you're really okay ah


wait actually I want to know your your travel experience the first question just now ya what what's yours


Beijing


ya ya ya


ha


lamb got the sheep's smell leh like a sheep farm it smells like a sheep farm, ya ya ya like the goat farm you know the singapore the dairy farm have have can buy the the fresh goat milk from there


but when you look at it it's not black meh when you look at the snow from like your


ya ya ya,


I mean if, if we can go anywhere I would want to go to korea next ya have you been to korea, when you go


oh, I don't know leh no lah like I don't like k pop but then like I mean ya I I used to like k pop ya you can see from my posters ya


but then like but then like it's just the food lor I guess more of the food than anything else ya cause I always watch this YouTuber like, then he always go around the world to eat different food so he's been to like almost all the countries, ya and like I feel like out of everything that he has on his channel right like korean food looks to me like the best leh ya he he he's being to like I don't know like all the weird weird countries also like all the what is it called


like the mongolian countries and like ha, ya ya those also those also like he's really been to everywhere leh like even now during during like circuit uh COVID right like he he still has a lot of like videos to post ya because he's been to so many countries he just has like this backlog of all the countries all the videos ya so like now


every every two days he will post a new video of him like in another country ya so he really travel a lot, and ya I feel like korean food is like damn nice leh


ya ya ya ya korean food like I want to try the the the ginseng chicken soup ya, I feel like singapore has this version also has our own version but it's like so different right like you see the korean one is like the soup is a white


do you know you know what I'm talking about like the ginseng chicken soup, ya oh oh oh oh it's because is because they they stuff like the glutinous rice inside your chicken that's why it's like different like it tastes I heard lah I heard it taste it taste very bland and like taste like rice soup ya maybe that's why ah ya I just want to try


!wah! this one I don't think so leh I think it's just like an a regular any regular chicken soup, it's just chicken I mean the ingredients are very simple lah just chicken and water and like some seasoning or I think they put like like the what ah the red date also so maybe that will be something different lor I mean the chinese version also right I feel like the chinese version might be


like healthier actually ya, I think he just he just makes money from all the travelling videos lor


(ppc) like she he travel then he get ad revenue then he can travel again so it's like a cycle right it's like a job for him travelling, like being a YouTuber lah such a dream job sia


you answer first lor I don't know leh ya


I feel like I feel like, that rarely happens to me leh like every time I check the bus app and it it's not even accurate like like


yesterday yesterday I took one six eight one six eight then like I check the bus app right I was I was walking from the MRT then I check the bus app it said seven minutes so I slowly slowly walk there right and I when I reach the bus stop it was it was


four minutes I think so I thought okay four more minutes then I can get on my bus quite quite fast right then ended up right I waited for sixteen minutes before the bus came, so the the the time the time what was it called the, the time right just stayed at two minutes for like fourteen minutes ya it just stayed at two minutes for like the next fourteen minutes until the bus came ya and like all the other buses right which like their timing was later and it all came eh


before the the one six eight ya so angry but then this one is about positive experience so let's not talk much about that we can talk about that later, ya


ya I use the same app


ya, I heard that like the, ya I heard that like the bus uncles they have a schedule to follow so if like they're early then they will drive very slowly to make sure they reach like at the time they're supposed to ya


uh, part one financial related topic


how how do you invest how do you invest your money to accumulate wealth and plan for your retirement


oh then


err I think I will read up on like property website and like see which property is like worth investing in


eh ya


err, financial advice ah, err, I will like


save it in, save my money in another account in instead of like splurging on it [loh]


err I think the way I'm spending money is like


not okay cause I like err save like only twenty percent of my salary, ya so I think I will like take note of it and then


err but my salary is not a lot so yeah


I think err, I previously I spend mostly on like food and like online shopping, ya, so if it's like now I will like


err, try to like save up more so like I can invest in like stocks


, I think, I think a credit card is


convenient that's why it's good, and like if you know how to control your limit and like, know your know how you spend then I think it's okay but if you're someone, who like err just


buy on anything that you saw and then you like then like you never really like take note then I don't think is a credit card is good for you


, I don't think it's a need lah but I think people own a credit card just because it's convenient


err, I'm personally using debit card so I think given a choice I will still choose debit card


ya, yeah


I think, err, I spend lesser before COVID so, err, I I I think that like I will like


watch out like how I spend like on how I spend during COVID period ya, ya I said like during COVID I spend more also


ya, I think so too


what advice I will give you to get you out of debt, err like, you I I will tell you like to spend your money on like only necessary things lor like


err, like example like err, uh food then transport fee, ya things like that then like other than that, the rest if


you can don't err buy which is like not, like a must in your like life then, don't spend, ya just spend on like the things you need


err (ppc), okay then uh if you want to faster get out of debt then you don't smoke if you want to


continue to smoke then uh, you will take longer to pay back the debt lah which is like, not good lor like if you tell if people know like about it or like your employer knows about it


ya, err of course I have lah but, some times some temptation make, me use the twenty percent of the money so


ya err, uh, I think I will put it in a bank and like the card I will just


put it somewhere in my household like when I go out I also won't like be able to use it or anything [loh]


ya,


I think err, CPF is like quite important because like in the future when you want to buy a house CPF can like, help you quite a lot


err but


my opinion I just think like, CPF is important to me lah cause I don't know how to like watch my spendings then like in future if like I have, anything to like do with like government related stuff or like maybe I get sick or something and I have like no no money to like see doctor like I can use the CPF


cannot , okay lah but like what I say like can like help you buy your houses all this ya


ya but let at least you have CPF so like you will only be like needing one one more stuff like yeah you get what I mean,


, I think I will like ask my partner to like save our money (ppc) like okay example my salary


hundred percent like maybe you save like, fifty percent for ourselves and then like other fifty percent we save in like a share account or something then like


, , ya like ya one thousand five hundred like for like you know family use and like one thousand five hundred for like personal use so I think it's like quite okay to me


I think


ya like, ya so like uh like personally okay like how to say, err


like if, you like, finish like your so call like personal spending then you can like, take from the


the share account and like use it like but for like, err how to say like, if you need then you use lah like example like you say like phone bill all those, ya then other than that like just don't touch the money lor


, [orh] okay lor like that like that also can ah


oh, oh,


okay then like, err then what, what do you think you can do to like, err improve your income like uh amount


but SkillsFuture not for elderly one meh, I think mostly is like elderly one leh like I never really see any like


oh okay, oh okay okay


part three negative experiences, uh what makes me feel stress is


when I feel like, I never done stuff to like, uh meet the person expectations or like I feel like I have not done enough for the person like err example


like if I, get like bad results, I will feel very stress cause like my parents like they give me everything I need for like studies and but like I


didn't meet up to their expectations lah ya, ya that's something I will feel stress about,


uh depends on what is it lor, like example like studies right , it's not like really my thing like okay for like secondary school I think like it's still okay cause


the stuff you do like they will be on textbook and like stuff like that but like the thing I'm currently studying I feel like I'm not cut out for it and like, yeah I


I feel like stress you know like if like because I think is not for me like something like that lah ya , then what makes you stress


oh, okay then is it like, even if like your friends expect you to do something you also feel stressed or is it like only specific person but it’s first specific people or anything or like everyone


oh okay


(ppc) actually like I feel it like most of the time like , I don't know I see like people like they like very successful and stuff but like err like maybe my friends


my classmates like (ppc) they are studying hard and stuff like that but like, I don't know I just like have no motivation and stuff, ya


or like okay example I do something for this person but then like maybe I see like outside that did like the person like okay like maybe err


the like maybe another like a daughter and like mum mother like , I will up then I see them like what the daughter do for like her her mum then like I see what I did then I will think it's like


I never do good enough lor, ya something like that lah like like I will see other people and like, I will think that I never do good enough be it like my friends or like my family or like, boyfriend ya something like that


ya so, if like you know like now social media like you can see a lot of people like posting about their life and stuff like that so


like when I think like I, did something for like someone and like I feel good about it and then I see like, some other, people that did much more I'll feel like I want to do more than what that person has done ya then like


, ya, I think it's also not what I want lah is


it's just me lor like I will just feel like I want to do , like more than what, others will do ya something like that, and like if I'm close to the person and I


I love the person, lah ya, , what


, one thing I wish to change,


I don't really know eh like what about you, so if


so you wish that you would like, study harder and like not be so playful or something like that is it


then, have you like say any hurtful words to someone eh I mean do you have like any anybody tell you like any hurtful stuff that like you wish to forget


can you like can you like tell me an example of it


oh, then have you like, gone through any loss in your life and like if you have right how did you feel and like how you deal with your like emotions


(ppc) (ppc)


, oh


is there any like saddest point in your life like ya saddest moment


uh wait ah my ipod no battery


okay hello


ya,


[orh] okay, then, is there like anything holding you back from like your goal or anything


oh


although I often worry about, (ppc), I, I, know I always worry about how my future will be like like example for now


I will worry that, whether I can get into like polytechnic ah then like if I'm not able to get in then what will I be doing and like


what kind of job will I be doing in the future and will will the salary be enough to like, cover my expenses and stuff like that lor


ya I I like think of it like almost like everyday ah, other than studies, I don't know leh like for now is just studies cause like


affects your future lor, don't really have anything


I think friendship ah err, don't really have cause I I don't have much friends and like only have like, be like one or two like close friends that like I can really trust


then like if for like relationship wise I think not really cause, I think there won't be any problems, ya


ya I will of course I will worry lah like if not enough money then like


you, cannot really do a lot of stuff, you know you get what I mean then like no money then stay at home lor then like, ya or like go work ah then


ya that's it, sorry


ya, actually nothing like I also don't know what I can do to like not worry so much then you leh like do you have anything that you worry about


then what about like friends or like relationships it's like okay for you ah like you have nothing that you worry about


part two positive experiences,


err, what do I love most about about myself is that like, I always like I'm always like staying positive even though like


I have like problems that I'm encountering then like ya I'm just someone who like doesn't really err


get like angry on or like unhappy easily or something like that ya


err, like ya cause if like you get upset or angry over like things then I think as a person you will be like


very unhappy like every single moment of like your day or your life so ya


, a perfect day (ppc), err, I think staying in at home and like


and like watching like shows is like my perfect day cause like, err, I'm I'm the kind that I like to like you know like be lazy at home so ya I think going out and like


going out I'll be like spending money so I don't think like, okay for like that moment I'll be happy but after when I get home and like I see my bank account then like I'll be sad lah so


staying at home is like the best lor ya, ya


, my comfort food


I think it'll be like, I think it will be like black like my cause like the most comfort food to me is truffle Ramen and like my comfort drink is like bubble tea


so like what uh, I will be like I'll feel better lah ya


then what about you what's what how will your perfect day be like and like what ya


uh then like what's, like if you are like like not really happy that day like what will you like want like maybe your friends or your girlfriend to like do like what you wish they would do for you lah that then you will feel like better


so what's your comfort food, buy you ice cream what if like it's [orh] okay [orh]


then uh, so like what do you use to hate as a kid but then like now you love


oh then, so now you feel like going back


, [orh] then, what, what is the nicest thing uh, someone has like ever told you or like do for you, that is like


you know like had an impact on you


oh then like is there anything like they have done that, ya


oh okay


err, do you have like anything or like anyone that you're thankful for,


uh I think I look up to my dad because like, (ppc) he's like always like working or like studying every single time and like I don't really see him at home lah unless like he is studying lor like he like working very hard to like


earn money for like the family and like stuff like that, ya, then like , err, I see already I also like a bit err how to say like I also wish I can like contribute or something by like maybe studying harder and like getting good results lor


ya, , err, (ppc) I don't really think I have a best birthday present like


the only present, I remember was like, my mum bought me like a bag like, like a branded bag lah but ya I think


I I will prefer something else ya, like a


okay, do you like my birthday right my relative will like maybe give me like red packets and stuff like that and like my birthday present, is usually I tell like


my mum what I want and then like she go and buy and like stuff like that so, yeah, and like I hope like, my next birthday, I can like get a dog lah


ya I think so, uh no leh he just wished me happy birthday


, ya I mean like, okay have lah my friend gave me like a bouquet of like flowers lor


ya, ya it was


I cannot really think of anything leh, do you like have like any


okay err , then is there like, any best birthday present you you have received and like from who


no no no like you receive not like you give others,


and like what what was it and why do you think like it's the best birthday present to you


uh so like, so like your birthday you don't want like people to like buy gift for you lah is it


, oh, then can you like tell me like any like memorable like travel experiences be it like with your friends or your like family


[orh]


and like because you had to like take thirty minutes to walk from fourth floor to level one right, okay


I think best gift or surprise I've given to someone okay is not very expensive but like it took more effort than like other gift lah so


like I uh, I err went to like, like you know those like balloon stores and like I order like balloons and I also went to like customise like a like bouquet of like Ferrero Rocher


and like ya I gave it to my friend during like his birthday lah, ya but I think he he like never really like appreciate cause it's like


not very expensive you know so ya, but like that's the gift that like took, most time lor then like I I had to like hold the balloon like which is so big into the school and stuff and like people were like looking at me


part one financial related topic


err okay so, do you, err how I would invest my money to accumulate wealth is


like, so what I do is err, like sometimes I'll play with, like I'll read up on like stocks and shares lah then , see whether it's a good investment or not and like, a lot of people now


they investing in like, gold cause the price like increasing so I think quite worth eh, then what you think what would you do sia


[orh] so your one is like the, the larger scale kind ah, , then like, if let's say you can tell


one financial advice to you like five years ago, what would you tell yourself, ya like five years ago


, so like , how would how how do you normally like spend your money, like, do you feel like you are spending too much on like certain things or like


you feel like the way you're spending money is okay


but I feel like if you save twenty per cent of your salary is quite a lot what, oh okay then like


so if let's say I'll give you an example if your saving if if your salary is like let's say , one thousand dollar, we let's say ah then you will save like twenty percent right then that's two hundred dollar then how would you spend the eight hundred dollar


like will it go to like, more of food, or like you'll, like, invest or, what


okay, so, what do you think about credit card ah, like a lot of people, like there are people that tell me credit card very dangerous cause it's like you are using future money cause you don't have to pay on the spot


and a lot of people tell me it's good to have a credit card so what's your opinion


so if let's say like I have a credit card but as long as I know how to control, like my temptations to splurge on things that I, don't really need but it's more like a want then it's okay to have a credit card ah


so, do you personally feel like a credit card is a, very important thing like it's a need, or something


, but like, I'm pretty sure you can do the same with like debit card ah so would you prefer debit or credit card if you are given a choice


okay


then okay cause you also know now COVID right, so, COVID now also very hard to like, earn money and what not what, cause of a lot of jobs missing right so if let's say COVID ended


then, what are you going to do to like, your spendings like how would you control your spendings and like your saving habit would you , like spend lesser and save more or will you still remain the same


but I feel like during COVID I spent more though cause like, you know ya cause like, like don't really feel like going out, then that time the lock down keep Grab food and everything then online shopping cause cannot go out


then like you spend more money so like, I feel like , like post COVID right, err, I will not like spend so much or like if can go and eat just go out and eat lor don't have to order food then pay for delivery fee and everything


, then if let's say now, I'm in debt, what advice would you give me, to get me out of debt, like let's say I err


like I said I use credit card then I swipe swipe swipe swipe swipe, then after that I owe the bank money, then what advice would you give me to get me out of debt


but like everyone's opinion on what they need very different though, it's like cause I got smoke, then to me cigarette is a need but maybe to you it's not, so like


how would you like talk me out of this, like if let's say I really in debt already then err I still tell you but I still want to smoke, and cigarette in singapore not say very cheap ah


, you, every time you get you salary right you say you say you, save like twenty percent of it right, like


do you have like a long term saving goal or something,


so like what would you do like now after this conversation right like to ensure that you would really save that twenty percent


[orh] so like what you will do is like you will open a separate saving account lah so that you know that the money you won't you won't touch the money lah,


okay so, (hmm), let's say, okay what do you think about CPF contribution do you think it's really a need to contribute to CPF


but but CPF is like, you know your money is there but like you can't really use it unless you're using for like, government stuff, so like I feel like CPF a bit pointless eh, like that's my own opinion lah like


you work then after that okay I know like when you work twenty percent of your salary goes to CPF then your boss have to top up if I'm not wrong another eighteen percent for CPF like top up for you, so like I mean practically you're getting more money in a sense but this money it's like money that you cannot touch it's not like in your bank kind


like you anytime can withdraw anytime can use kind but it's like money you like it's like money that you cannot even see ah you know what I mean


can use CPF to see doctor meh, ya hor we, but like okay lah I mean I understand what you mean lah like, like houses all these lah


, but then if you if you don't save up now then, I think next time if let's say even if your CPF have a lot of money you also like very hard to buy house cause houses all this need down payment, so if you don't save it's still very hard to buy


like like CPF can like help you lessen the burden a bit lah so like you per month don't have to like fork out so much money right


then if let's say we get married already, then would your, err, financial like spendings with different, like would you spend


lesser on yourself more on family or like how would you spend your money


but like don't you feel like fifty percent is a lot cause if let's say you're earning three three thousand per month right that means you'll be saving one thousand five hundred per month


but if you think about it one thousand five hundred for personal use that means per day you can only spend thirty dollars, and that is including your transportation fee your food your phone bill and everything eh


don't you think like fifty percent is too much


(mmhmm)


so so why not like you just put in like maybe thirty percent, I mean thirty three percent you put in like one thousand dollar then you got two thousand dollar for yourself then you pay your phone bill your transportation fee everything isn't it better


cause like if you think about it if let's say like, you get married then you all put in fifty percent right then you left with one thousand five hundred then like sometimes there will be like miscommunication then you all quarrel because like


let's say you tell your partner that [orh] uh this month I not enough money then you want to take some money out from the shared account then maybe your partner like, really want to save up for a house or like a car or something then your partner will be like


err no cannot, like you know what I mean cause I also got put money inside like both of us have a say so if I say no means like no, that kind, like I feel like it's very dangerous lah, like will lead up to quarrel so I feel like


save I feel like savings should be like in your, base of your own capability ah like you shouldn't save, too much, then after that in the end you have to like, spend from your so called savings ah


I feel like a moderate amount of saving then can already like you don't have to like, specifically say like you have to save this amount of money cause if you let's say like, maybe sometimes you all want to go out have a nice dinner or something then both of you need to spend money also or like maybe your friend's birthday that kind of thing


then you also have to spend a bit more money so like I feel like you you should set a saving like you should set a, number like a amount for saving but like this amount can vary depend on what's your plan for the month of course still must have saving lah but like


maybe a bit lesser if you have like birthday party and stuff


even my income amount maybe uh now government got like this thing like the SkillsFuture thing then maybe you can go for courses, can go for class that kind of thing then like upgrade myself so like I'm worth more in a sense


cause I hold a certain number of skill sets then it's like more valuable so like err, in a way it's like upgrading yourself lor


I don't know eh I think there's like, one part for, but I think got, got for as in there is still, a thing for like younger children one like us like our age one


ya then like can go like, upgrade ourself [orh] take course then maybe further studies or something, like half work half study [orh]


ya to increase the pay


part three negative experiences what makes you feel stress


, so like expectations are things that will make you feel stressed ah so if someone expects something from you it's like adding burden on your shoulders is it


like meaning,


okay, err I would say like, same ah when I cannot meet, but this is more of like myself if I cannot meet the expectations of myself I'll feel stress or like when people expect something from me and I cannot fulfil right then I'll feel stress cause it's like I feel like it's my responsibility to like


help myself out, like, I mean everybody, definitely have expectations from of another person or of themselves like let's say oh uh I expect myself to do this


or like get something done but like if you never get it done then I'll feel very stressed, cause like, in a sense is like , I I, promise myself to do something but like I never do it so like I'll feel very stress


like I would say not everyone lah like those that are close to like if let's say someone that I'm not close to expects me to do something then if I don't do it then it doesn't affect the relationship between me and him but like if, I'm close to that person the person expects me to like do something and then I never get it done then obviously he will be disappointed what then if he gets disappointed then I'll be stress ah


because I'm the kind of person that, don't want those around me to feel disappointed or to feel like, any any negative emotions lor, so like I would just like expect myself to like you know


ya I I I expect myself to meet their expectations then if I cannot meet then I'll feel very stress, ya then


do you have a time where you feel like nothing you do is good enough


so like it's it's just that you cannot find the motivation lah and then after that you feel like nothing you do is good enough, for like anybody is it


so is like you'll compare yourself to like other people ah


so like you're in a sense you're like forcing yourself to make sure the person feel like you're good enough lah, then won't that be won't that make you stress, like it brings back to the point that it makes you stress right


then


then what is one thing that you wish you can change but you will never be able to


what is one thing you wish you could change but you will never be able to change


like, if there's one thing that I could change right it'll be, the time I spend in secondary school lor, cause like in secondary school there's like a lot of regrets lah there are things that I have done and things that I've never done like good enough and like


in secondary school I've done a lot of like wrong things lah so, like, I feel like it has impacted me as a person I would say so, if there's really one thing I could change I would go back in time to secondary school, and like make up for all the mistakes that I've done but cannot lah it's impossible to go back already so


like that lor cannot do anything, ya


have ah like, I mean, like there's definitely people that say that I'm not good enough, then there are people that say that, err why are you being like this like


it still goes back to the point of like expectations lor like they say like, me like they were saying lah like, you're supposed to do this this this this why can't you do this like every time, when I don't live up to someone's expectation right then whatever they say it's like


some sometimes I really wish that they didn't say it lah like cause like sometimes they will say like [orh] I expected you to do this then why can't you do this like I trusted you then it makes me feel like, I betray their trust, then it makes me feel very bad


like example would be like , like, okay err like I went out with my friend, then like


we were supposed to discuss about uh this tournament then after that I told them that, oh I I cannot attend lah because I have something to do even though like I, sort of like told them okay I I like okay to join then like they say


like !wah! you last minute like, never join us then like never give us any heads up or anything then they like very disappointed then they say !wah! I expected you to be like a lot better than this, like no last minute stuff that kind of thing then like


I feel like I feel bad lah, then like, I like is like something that they say like I wish to forget lor like they say like !wah! uh I never treat them as like really close friends that kind of thing like they're not my priority lor


then like I'll feel ya disappointed ah


err I never go through any loss in my life I think that's a good thing but, I would say almost ah, , err I almost lost a friend, like he was going through depression then err


he tried to jump off lah like it was during it was in camp some more so he tried to jump off like the fifth floor, then like we managed to stop him lah but at the point of time, I was thinking to myself lah that


if let's say he really jump off the building right I would have felt very guilty, because, I'll blame myself for like not understanding him and not like helping him, before he reached the extent of like having to jump off


the fifth floor ah so like I feel like, it will be my fault for not helping him then, I would have been guilty for my whole life ah like because I wasn't alert enough I wasn't like fully understanding him even though we're like really close


I would have felt guilty for like my whole life like I will not be able to forgive myself ah, for not understanding how he felt and for not understanding why, he has to do this lor, ya but luckily managed to save him lah so he's still here


saddest point in my life, saddest moment


err, I think everybody will go through like this part lah I would say it's like,


like when you quarrel with your parents then, like your parents tell you that oh err, like like , you're just not good enough that kind of thing, you know then they start comparing you to like other kids


okay


ya like err, like you know when parents they say that like , you're just not good enough, then like ya that's like one of the saddest moment in my life ah cause like I feel like


I'm already trying my best then you still say this kind of things to me then I'll feel like, I'll feel like you all don't appreciate me for who I am lah then I'll feel like very very very sad


ya, then, , I would say the only thing holding me back from my goal right


would be myself ah, cause there's a lot of things that I want to do, like, to hit my goal but like, like I'm a very lazy person lor so, I I am the I I myself is the biggest thing that's holding me back from my own goal lah like sometimes I just too lazy to do stuff then I would rather like just laze the whole day that kind so like


like I then after that when I think back I'll feel very bad lah like I've just wasted one whole day like that like I I could've gotten so much done in that one day but, no I decided to waste that day away, so like, that's that's the biggest thing that's holding me back from my goal lor


then what do you like often worry about ah


so other than studies, what else do you yeah what else do you worry about other than studies


like as in money issue friendship relationship that kind of thing