I love everything about myself uh no bad news is good news uh basically I'm happy I try to say contemplated about myself lah so like that lor what do you love about yourself


that's very good that's very good


for me I look, for me I look up to my parents most uh my my parents are not rich but they work very hard to send me to a private university, back then they are nice to me uh they nurture me well then uh


they told taught me the best things is life they try to give me what I want they tried to nurture me to be independent hardworking ya then they don't spoil me they make me work very hard they they make me know the importance of life ah so yeah


nobody is more important to me than our family members I believe this applies to you also so ya fair statement I would say so, okay describe a time when you got appreciated for your hard work


working in singapore is very tough ah okay I can tell you everyday we do OT and like everyday is deadlines after deadlines once once after months uh target after target lah okay, target more for people that are doing sales ah I'm not doing it my job is not doing anything that sales related one but I have a a lot of deadlines a lot project deadlines a lot of closure you meet one deadline for this month with uh X amount of resource with X amount of time frame next time your subordinate when will will


will demand more for you one let's just say this is the three men job ah that takes a week ah and you can deliver two men ah within the week ah next time something happened ah he will expect you one man to deliver within the week one so , really you trust me I I I tried before so uh I try to


work hard but I also work smart, even if I can finish the day the the task, assign within the seven days I will not I will not submit within the seven days ah I will give it to him nine days eight days ya, let him know that I I work very hard to meet meet the meet the deadline meet the expectations and stuff like that lor


(hmm), describe a time when you got appreciated for your hard work anything I think you will have some incentive right maybe some overseas trips, I believe


I will say my insurance agent also travel a lot, then I believe she she also tell me she travel like those travel incentive incentive I think her sales is very good lah so I believe yeah, that's why maybe then she she she buy her own travel insurance ah when she travel to support her sale ah I believe so


hassle, (ppc)


okay, describe my perfect day, (mmhmm)


my perfect day let me share with you my perfect day I I couldn't remember uh the name of the mountain I went to uh, europe I went to poland ah then I went to I went to one of the mountains near slovakia one I I cannot remember it starts with Z one then I come out I hike ah I will say hike up the mountain if I never remember wrongly it's the eight kilometre hike all the way up but


good thing is the weather is cold yeah nearly dead but trust me, then some of the people halfway through ah they never hike they never climbed up already they just hail a horse ride, in that the in that place they in europe they still use horse ah then you can you can pay the horse then the horse will ride you up then up uh all the way up there there will be a nice scenery but for me I just hike all the way up I think took about six hours


the only difference is uh the weather is still cold, and not so hot and like singapore ah but very tiring then oh it's the picture, (hmm) yeah it's a picture in my whatsapp uh that is part of the picture


I hike all the way up very nice, very nice scenery okay go ahead uh, very easy, don't have expectation, okay always expect the minimum like you taking exam just aim for a pass and if you've got a merit then ya just aim for the minimum


if you don't have expectation, you will not have disappointment, uh but on the flip side is go ahead uh yup on the flip side


what was no no no what is the nicest thing someone has ever told you uh, someone has ever told me that I'm nice uh I'm very helpful kind, uh stuff like that lah when I'm on the street ah people come


sometimes like I'm in a shopping mall in the a coffeeshop or in the road will like people come begging me asked for money hor, okay uh like they will come and approach me like uh begging for money I will give them one I don't I wouldn't give them fifty dollar one hundred dollar but I'll give them the the smallest note or some sometime shillings that I have ah then I shared with you something ah okay I went to uh


I went to a wet market I don't know whether you, you know ah the market is near Geylang-Serai Haji market there then I was walking yeah I was walking along the road there then uh I was using a phone then suddenly one middle age I won't say it's a auntie ah middle age lady she talked to me in english eh so I suppose she's uh educated lah I would say


and I believe with her level of english ah I think she can find a job, really her english is quite fluent she come and ask me uh do you have two dollar do you have five dollar, uh then I ask her what do you need it for oh I need it to buy food okay then never mind I give I give up I take out my wallet I give her two dollar eh then I went inside the uh I went inside the market


okay I bought some food it was only recently COVID we still can eat out so I buy the food back to my house and eat when I came out from the market ah she come and approach me again leh the same auntie which means ah she come and ask me again leh do do you have two dollar five dollar, then I I say to her leh just now just now already give you the money you oh oh oh okay okay then she walk away then she go and approach someone else


it means that she is just asking everybody which she thinks that she can gain sympathy from, okay it's not that she really needs money to eat or something she just she just wants more money for one reason another ya if like say you really need to just a few dollars to buy a meal somebody give you you will definitely go and buy a meal right you don't don't don't need to walk


the whole whole market to ask for money right ya so that's that's a impression, this is not a nicer thing lah just telling you uh it's not it's not exactly relevant I know it's not exactly uh relevant I'm just sharing a why why this is


uh, I'm just sharing some experience lah I would say it's not exactly relevant to the topic okay your turn, that's very good


a bit similar this question is a bit similar to the earlier question I would say what is the happiest moment in my life uh, staying healthy, uh yeah, ya everyday is healthy ah staying healthy is uh is being happy no bad news is good news because I don't have expectation as simple as that


ya, okay very so, okay over to you, no I don't travel a lot then sometimes when I travel is also very packed very rush very tired, then uh maybe I go back uh hotel early to sleep uh but


okay let me shared with you I think uh my, most recent trip is only, most, last year I travel I think four time five time personal trip one to vietnam one to taiwan, one to poland, uh poland then I go slovakia one more I couldn't remember where I go already two europe


then uh two, two taiwan two asia trips ah two asia trip the one in december I went to taiwan during a, during a, christmas week I was in taiwan then this time round uh


I don't know you go taiwan before right last time when you go taiwan taiwan very crowded one a lot of people one, but this time round I think because of some politics ah I don't really exactly know what's the issue uh taiwan not so crowded, the #xi men ding# that area not many uh, not as crowded as before


then, ya that's my last trip december, week of christmas uh, I stay in the airbnb the experience in the air BNB is not good, generally taiwan people very nice ah, very very nice


ya they are they are very nice people what so not like, not like some people yeah, so yeah well what what was your nicest trip


what is that what is that, what did you say what did you say you do in japan, what is that I don't know can you explain to me


oh fine dining okay okay I thought that is what the I thought that this the, there's suana one the spring water that one, okay you eat the raw food the the the the one so good whereby you eat the raw food then you go to hospital that one


, okay okay that's very nice okay uh let's move on, what is the oddest or most unique compliment you have ever received


uh


okay then you just ignore him ah I think maybe because, ya because in singapore it's a cosmopolitan society we have people from all walks of life all the country and stuff like that diversify mah so it's very common to meet any people from any country any religion race or skin colour okay so


, okay, part one financial related topic


okay I think probably I will go first, so I will just follow this template lah so the first question is like do you have personal insurance yes I do


I have, a few uh different policies for myself, so I have AXA whole life plan so I have uh AVIVA endowment plans, then I also have AVIVA personal accident plan, and I have this annual travel plan


then, I have a retirement plan with AVIVA as well, then I have a term, plan with AVIVA as well it's for critical illness, so, the features and the name of the policy I will think it's a bit too technical to review so I'll just leave that out


then, my experience with the policy so far only did a claim, for hospital plan and the personal accident plan because, personal accident plans is like if you get injured then you can do a claim


so I, I think I'm quite prone to injury lah so I've been claiming my personal insurance under the, tradition TCM the traditional chinese medicine, that kind of like claims lah so, ya and the prices, think every year I think is very cheap lah that's why I continue buying


then the second point is that do you have endowment plan yes I have one with AVIVA it's my regular pay, so name on features of the policy, uh it's like regular monthly saving then after the end of second year I can withdraw out


the cash if I need, and I've been withdrawing basically the purpose of having a endowment plan is just , savings habit lor cheap savings habit lah so that at least I know every month and this amount being set up, somewhere so I wouldn't spend it away and stuff like that


then the, third question is do you get insurance when buying a car ya, in singapore if you have a car you need to get insurance so, you confirm need to buy one then it's the same for property as well you need to get insurance when you, buy a property like


BTO HDB you need to get the home protection scheme, then traveling overseas I think it's good to have, if I need to, I mean if I'm hospitalised while I'm overseas lah which happen before, then, having children


ya I think you need has well engaging domestic helper okay this is subjective, then engaging in, commercial activities okay this is a bit fake lah but, I suppose you will need insurance if you are doing FNB


ya food and beverage so, ya the next question is what do you look out for when buying a insurance policy, I'll see if I need that and if it's like suitable for me no point buying something that doesn't suit


me, I mean like I don't buy for the sake of buying lah, then, do you see insurance as an essential expenditure yeah definitely, because like, the medishield life right it is essential, because the hospital and medical costs in singapore is very


high, so we definitely need something like that to cover us, and, if you don't buy like the max max coverage then if you really hospitalised, the medical bill is going to cost you quite a bit it's definitely more than the premium that you paid in a year


then what kind of insurance are essential for people of your age ya medishield life upgrade, then maybe probably uh, personal accident and, term plans for critical illness


what percentage of your income do you spend on insurance I think it's about thirty percent, then how much coverage are you getting from your insurance, uh I think I'm quite well covered then


do you get insurance from a single insurance provider or do you pick and choose insurance product from multiple companies, I pick and choose from multiple companies because at least I can compare like, uh, if I need a coverage for something I can compare


with a range of company and, whichever that covers me well and it's the cheapest lah, ya that's all for me, do I stop the thing now


do I ya


you can discuss and ask each other okay


ya, ya


it's not compulsory lah but it's good to have, because condos right uh if your, management office they don't do the maintenance block properly right because people private property usually people, barbecue at home


then if a fire breaks out then your neighbour will sue you here and that, so usually uh management office they will encouraged for their, homeowners to buy lah


fire insurance as well, ya


ya but, there will be court case here and there lah so, all those fire insurance they usually have a personal liability of two hundred and fifty thousand, to claim from lah


I mean like that's the most basic basic kind, ya


ya ya ya because some, homeowners right they will I mean they are more anal lah so they will install like all those CCTV within their house, please gently tap on phone, uh we are using iphone so iphone doesn't lock by itself


I mean if just nice the CCTV is, I mean like able to capture the fan and stuff like that because I have a CCTV outside of my house


like of my unit lah, so if people try to be funny then it's being recorded yeah because my area there's a lot of, pickpockets I think, they will try to pry open your, like, house window then try to steal things and stuff like that so we had a CCTV installed


just for that lah, yes


ya , home insurance also covers that lah so it depends on the kind that, you buy, ya so it's quite subjective lah, okay yup


uh I will usually get annual, uh, travel insurance when there's discount, because when there's discount, I think, worldwide coverage even under US because travel insurance that's like uh, asia region then they have asean region then they have the worldwide one


so usually I'll buy like uh the asia one so you get small coverage because I rarely travel to US area lah, then, once a year with the discount right is like less than two hundred, so I think it's really cheap so it's like about one nine


five, so I'll just get it's cheaper than a single trip one because sometimes if you go like japan for about, nine days the, cost of the plan itself is like single trip lah fifty to sixty bucks already, and I travelled quite often


so I will just get annual one


then, this one quite Suay lah then this one Bo Pian, ya


yes you can cancel the plan eh, you can refund leh, if you are getting a annual one right you can get a refund I mean not full refund lah let's say you buy in january then uh about june you want to cancel all the plan right you can get a refund up to fifty percent


so let's say even for your like, uh single trip one if you are intending to travel and you already bought the travel insurance, then uh, uh unfortunately COVID hits you can get the refund for the travel insurance because I just gotten all the refunds for my clients


yeah and the company paid them back in full lah just that it will be via cheque lor, ya pay back in full


that time uh when there's a discount right is about one nine five below two hundred I would think is, better lah because if you are going to travel like maybe, every two months once then, ya no lah


no no no no if you are going to like let say japan taiwan this kind ah the travel insurance is going to cost more, if, not going to be like just twenty dollars, japan and korea is the more expensive ones


that time I went went to to japan right last year I my travel insurance cost me about sixty, so, sixty one single trip, because I was like travelling for about eleven days, so it's a bit more expensive lah because they go by the days that you are travelling mah


so I was like uh, after then like we are like okay why not we just buy the annual one because there's discount and it's cheap then we are like okay we just buy, but unfortunately COVID hit so we have to get a refund for the, travel insurance lah because I don't think


from now until year end we will get to travel even if we get to it's very high risk lah and, that's no point lah


no lah I buy about mid range kind lah because the some, because, some of the coverage like thirty plus one right a lot of things they don't cover they also, long cover like all those hospitals they, because sometimes when you go


uh maybe japan lah, you will eat all the raw food, then if something goes wrong you need to go to the hospital which we went before so I'm we are a bit worried lah so we get a higher coverage one, ya because, you go japan you confirm will eat raw food one


it's a confirm I mean, I don't know for other people who doesn't take raw food lah but for us we take raw food we confirm will eat, then it's it's like, not very fresh or there's some bacteria and stuff like that then, you, I think you will need to go and see a doctor


and seeing a doctor is not cheap in japan at all, ya, that time we see the clinic doctor first before going to the hospital right, that clinic doctor and all prescription and injection


close to eight hundred dollar sin, so we are like oh my god, no lah but we when we see the bill we are like oh my god are we serious then we press the calculator for the conversion and stuff like that then we are like oh my god it's freaking eight hundred plus dollars thing then we are like okay thankfully we got it covered lah so we came back to make the claim


ya ya ya, ya uh in japanese


but I got them to write a english letter, for the translation and the clinic signed off with their chop and the doctor's signature, yes ya, because the receipt is all in japanese then who knows how to read it man


I mean like because I know how to make a claim so I got them to write the claim properly if not I cannot make the claim when I come back, ya, ya so when


my clients they travel right I always tell them if anything you can just call me uh text me whatsapp me then I will let you know like what, things they need to make a claim, ya because if you if, it's really under the coverage of your policy but you do not know how to go about making the claim or get the claim documents right


your claim will also not be successful [one] I mean it's sad to say [lah] but


, part, three negative experiences, so, have you gone through any loss in your life


ya ya same same as me so, the loss I've gone through in life I think it's the same as you I was staying with my grandparents so they took care of me through growing up phrase because my parents are always working then only see them like once a week during weekends when they are not working lah


so how did I deal with the loss, it was bad it was really so I I would, think like even so many years later I will, I mean, I still can't cope with the loss so I just


avoid talking about it lah I mean unless it's really necessary, but, people who know me they will generally try to avoid, the topic ya


avoid lor, ya, what makes you stress, ya ya ya same


going through deadlines, missing deadlines then you will be stressed about the deadlines then, all you think about is deadlines, ya sometimes, but there's still targets mah there's like the, the


boss' targets and your personal targets and, let's say if the deadline for the incentive is reaching so, it's naturally and it's, it's just very stressful especially when you are that close to hitting it but you are just short of that


few to hit, hit the like incentive so it's very stressful lah, then I will, ya I will like when I I'm able to fall asleep, just that my sleep halfway right I will, dropped myself awake ya so I mean


it's not a very good thing, to, I mean it's not very good lah but sometimes it's just, something out of your control


cannot cannot, ya so when the deadline is, reaching, I mean some people do that lah but I try not do it lah, so sometimes when the deadline is reaching it's really very bad, very stressful one I mean, it's like even when you are sleeping I think I'm trying to think of ways like how to get this


this amount of so ya then, what is the biggest, no, what's the most traumatic incident you ever experienced in your life, I think the loss of my grandparents, ya


career


uh I don't think that, it's like a biggest thing holding me back from my goal because I'm like working towards it the biggest thing I will think is, not enough time, time is the biggest thing, no lah as in I'm doing


food delivery services now, plus my insurance agent job so basically I need to split myself everyday into two, then the times, factor is definitely not enough lah because if I'm out for appointments, every appointment takes about two to three hours including uh travelling


then I will be away for the other business, so, if I have more time I'll be able to juggle both of them, more efficiently and like effectively I think so I think ya lack of time ah so


yeah we are we are looking to that lah so yeah we are hoping like things will work out


okay, let's just move on to the next one there is an, african proverb that goes, the child who is not embraced by the village will burn it down to fill the warmth, has that be a time in a life where you have come closes to starting the fire


discuss I've been like, this is a bit extreme lah, so I don't think I thought of it ever, ya ya ya ya


no we'll just move on to the next question so, describe a time when things turn out not meeting your expectations, I think this is like what you say lah if you don't have any expectations you will not, be disappointed and stuff like that so


yeah I think that is for you lah for myself how, when things, turn out not meeting my expectations naturally I'll be disappointed, but, I mean I can't hold on to it for too long lah so, usually the best scenario is to move on and


ya, walk towards a new one, then it's like, ya


ya then the next one is describe a time when you felt trapped trapped or helpless , I think in it was before my grandma passing


I, I I mean I was quite young lah back then so, I, I was alone with her at home and it's chinese new year period, I mean her condition seems to worsen and, I couldn't contact, or reach any of the adults, so I was very young I'm not even sure if I should


send her to the hospital, so I think, that was the worst one, ya ya I tried to I tried to contact them but, everyone was uncontactable


ya uh, eventually I, sought for help from my friend, so we got the in house doctor, and after that everything escalated quite quickly lah so eventually we


admitted her, and that was the last of it lah


ya so what are some of the hurtful words, someone said to you that you wish to forget, okay


but it's that something you want you wish to forget, okay I mean, definitely have lah but


or I can't, exactly recalled, I mean if, the good thing is that I think my memories is quite bad lah so, I can't recall any off hand, but I, think there's definitely something that I wish to forget


I mean that's, bad things usually people tend to forget lah but, I really don't have any off hand that, I can remember now, I think it's just like, I really can't recall so describe a time where you feel


that nothing you do is good enough oh, this, as I mentioned earlier this self doubt thing is, very, common in my line of work, yeah especially has a self employed advice sometimes, you just


relax and chill and not do enough, then, of course when you chill and relax you don't have sales lah then, eventually you will reach the self doubt, , place whereby you will think like you are not good enough then nothing will do is gonna be good enough


so, it's common so what I usually tend to do after that is to I try to talk to people lah, because, if you can't handle it yourself generally you will need help, so it's always good to talk to someone rather than just


, continue dwelling in your own, well and, it's just going to worsen lah nothing is going to help if you don't, seek help ya then for you leh


ya it's definitely better lah


ya, so I think that is about it lah we are done with this like negative experience in your life


I mean like I think we are done with this lah, we, probably covered all the, standards template here, ya ya we can talk ah okay


oh I think we miss out this question describe the saddest scene you ever witnessed, no we covered the describe the time whereby you feel, that nothing you do is good enough we just describe I mean we just finish it we only miss out this


describe the saddest scene you ever witnessed, eh it was when I was, in my primary school, somebody from my block, uh commit suicide ya


no lah my block so I was I think P four eh I think is like, ten years old I was really young, I mean I didn't exactly, see it but when I saw it the person was still


there waiting to be picked up, so I saw a bit lah so it was, quite scary, I can still recall exactly like, how much , commotion it caused


that day itself because my block is very, corner of the area I, mean so when you see a crowd, there right usually it's, something happen lah so, and I don't think the person is from other blocks it has to be from my block ah so


I mean it was quite scary lah, and, it's a bit sad because, we saw the parents there, waiting for the, like police ya, ambulance or police to come and picked up lah so


the parents was devastated lah so, even now that when I recall right is really quite sad because the person who did that right I think quite young, one ya, I mean like nobody expected it lah


ya I know, ya but


I was like I was really young so, it's scary lah so ya ya, it's good news lah I always find uh, like silver lining in every negative


things, so I think we are done


two positive experiences


best birthday uh I cannot think of any leh I mean like, every year is a good birthday year lah so


there wasn't any one that is particularly at, like how I put it, like very impressing maybe if like, uh there's this year whereby, I was having, my birthday at Phuket


then my friends came over to surprise me because it was supposed to be a trip between me and my partner then suddenly all my friends appear, ya, I mean they took effort to come by lah, so ya what was your best birthday present


okay okay ya, ya


okay then, what is your biggest blessing in disguise, okay


how is that a blessing in disguise, okay don't want I also looked young oh


I think is when previously I told you I was in the bank, then, that because blessing in disguise is that I no longer there, ya


no lah because that time right, I mean, in the bank and you are working retail banking is very Siong one so, I mean very quite, tough lah so, I would think leaving the bank and, I mean


it's one of the biggest blessing in disguise because okay there's a lot of things that happened so, I would think good positive, things is that it kind of trained me to be very uh resilience and positive and very


how I put it very persistent for everything that I do, so it's like I don't give up that easily, because, it's like everyday is a, like, time bomb so, you really have to adapt to


what everyday brings you, ya, so what is a ya good and bad lah so what is the comfort food that you can always rely on to cheer you up, bubble tea


ya bubble tea, ya I mean it's hard to not like bubble tea so ya what do you love #san qian#


ya the taiwan one I mean most bubble tea brands are from taiwan what, ya, but hong kong kind I don't really like I prefer the taiwan


kind so all uh ya the <mandarin>奶茶:nai cha</mandarin> I mean I, I quite like playmade then I also like #san qian# the nearest outlet near you right is from is at tampines lah so I don't think you will go there lah, but ya


my for my here right the nearest one is ang mo kio hub so it's very convenient, ya then, what do you love most about yourself, uh


I love that I don't have to, I don't know I'm generally, content with myself like contented with myself that's nothing, much that I don't like about myself I mean like, who don't like themselves


ya it's a bit weird right this question, who in your life do you look up to the most and why, uh I look up to my boss, and because he's


very positive, even on bad days I mean it's very hard for someone to, always stay very positive even though, uh there's like, the things that happens is like, the sky is going to fall this kind of thing


but even that right he's still like very positive he's like no worry, every problem will have a solution, usually you will get affected lah for sure one but he's just really very very positive, so it's, something that I don't see that in


much uh people like most people don't, I mean will generally be, affected, I mean he does la but he's still remains very positive so I think it's something I really looked up, to then you leh


who in your life do you looked up to most


ya,


ya, for my line of work is very, common to get appreciated for your hard work so basically it's, either cash incentive or travel incentive, that's why I travel quite a bit, then uh ya


usually it's monetary uh reward lah, ya ya


no travel insurance doesn't give us any, like, sales target one ya it's basically just to earn extra money then it's more of like clients servicing kind of thing, because some, times when customer ask you cannot be you tell the person oh I don't do one because there are some agents really they don't do travel insurance because it's a bit


it's a bit more of, like troublesome and, too much of a hassle because if there's a claim right then you need to do a lot of things then you do claims and you need to guide customer then sometimes customer will call you midnight because when they travel right the timezone is different from you and stuff like that


but I think, overall good to have lah then, describe your perfect day, I think if it's, if a person got married right usually that day will be the perfect day lah


I think I don't know then uh oh perfect day ah, I think I might have one that was when I was back in then in the bank lah, I know I have two appointments the next day !wah!


very big case ah so, so I was like uh, I go to Loyang to pray, for my next day appointment because that two cases is quite big lah so I really pray very hard and the


next day right I really closed the two appointments, so, it's really I would say very perfect day because, whatever that I asked for it really happen, then ya


ya because it's a hike up mah, okay so describe a moment when things turn out better than expected


!wah! it's wonderful ah, what, I mean like sometimes it's


hard to control expectations but, you just really try, I, mean that's one incident that I really try then I was like, when things happen I was like oh my god, life's great, like it's really a very wonderful feeling


humans are I mean humans generally they have expectations, ya it's hard to not have one lah, what was the, ah, what was the happiest moment in your life, oh ya ya ya


wait how is this the nicest thing someone has ever told you,


okay, my turn ah nicest thing someone has ever, told me you are more than enough, yeah because it happens, in my line of work whereby sometimes when you're a bit lost the direction is a bit lost then you will


start to, doubt yourself and stuff like that so, people has been telling me that, so I think it's quite nice to hear, yeah it's more like a motivating and encouraging, sentence than, whatever that they say is like you can do it I mean everybody can do it lah


it's a matter of of, they want or they don't want or they give up halfway, so ya I think that's quite nice, then what, what was the happiest moment in your life


ya, I think everyday is happy


okay , describe one of your most memorable travel experiences I think you have more experience than me ah,


asia


ya, not a lot of people lah


so, yes they are very friendly, I mean more friendly than our, our I mean it's just culture lah


I think ya they're very friendly, I think japan still I've I really like japan a lot


so I think, most memorable travel experience to spend I had Omakase in japan, it's really very good sorry, Omakase experience, eh fine dining


no Omakase leh is fine dining japanese fine dining it's very good, ah not not that one it's a different year that one was in two zero one seven ya then what would


is the oddest or most unique, compliment you ever received, I can't think of any off hand lah but oddest, oh yeah there's somebody who walked out to me at a coffee shop while I was having my lunch alone


he just ask me uh, are you from indonesia, I was like question mark ya I ignored him


ya, so end of part two positive experiences


financial related topic, (ppc)


, , okay wait (ppc) five years ago how old how old are we, twenty that is ah, uh that period is, right after NS right ah wait I'm I'm just try to think of how was my


financial situation back then, I guess I guess , what I would do differently than at twenty years old is probably to start investing already ah because err you know ah it's only recently that I found out that


uh you know you have advantage if you invest and you have the advantage of each, because the money will compound and stuff right, so I think I would uh I would have told myself to, just start investing ah no matter how small as in keep it realistic lah, (ppc) ya so


wait ah ya correct because because they always say I mean this is a new concept that I I mean it's always there but I just found out also lah that that uh, timing no time in the market is uh more important than timing in the market


ya so had I known better I would have done that lah, and actually my friends around me knew about this already so I feel that uh uh in that sense I'm a bit disadvantage ah as compared to them ya so this would this is uh what I would have done lah ya what about you bro


yeah


correct, correct ya correct


, ya ya, actually ya actually my friends in NS they, you know err I thought some of them


make okay my I was in police right so I was in chief I had I had friends who were in err I mean shift work also and and also office hours they actually took the time to, you know within the pool of friends find out about ah stock market and all these how to invest and stuff not only stocks lah but coming out of a business and stuff so uh I thought it was something that I missed out lah because the conversation in NS was just uh what do you do during NS or


it was just , things revolving around that lah not much of ya like what you said lah not, much on finances, you use the what, (ppc), uh oh I I came back reservist then I talk to them and then they told me that oh


actually we we did this err in NS then like oh, I didn't know, know they had they had they had this conversation lah but within their own group but I wasn't really inclined to be part of that conversation lah like they were playing with this like stock market like a simulator something like that it it it's an app ya and then they were talking about it I thought it's like a


uh, I at that at that point I thought it was something needs do, ah so, ya ya ya (mmhmm)


ya ya not, lah technically ya, I think at least at the start ah what what I


find different is that uh having a financial advisor they actually plan for you ahead like your fight your end goal I I when I when I plan I because I did my own excel sheet like when I plan my own finances I mean you also have your finance, it's not that that long term I didn't I didn't have an end goal in mind so how do you push it was have the end goal and then work backward


I guess after maybe after a few session with my financial advisor the knowing how he does this thing then I guess you can do it independently ah that's what I feel but I think for now having a, financial advisor is good especially when it comes to things like ah, ah


insurance and all these we need people to explain ah, ya ya definitely ah, standard ah bro


, (mmhmm) ya I


ya correct ya ya ya, I I I agree ah, because okay I don't know about your parent like what do your parents think of all these insurance stuff


ya uh I don't know what we had our community had this kind of mindset okay it's a bit unfair to generalise but at least the older generation they have this mindset, ya


uh, mine was I think I forgot it was it started with conversation within my friends, and then it just so happened that err a financial advisor visited my, place then he wanted to talk to my mum then my mum say anything just ask me so I took the chance lah to talk to him


that that was how it happened yours is more of what, yeah


(uh huh), but do you think would have made any difference if let's say before working you, want to find out all these because at the end of the day, it seems like insurance all these all of us are waiting for that moment where we earn


then we pay for insurance so would it have made any differences we started earlier, oh okay


ya, ya maybe insurance not much different but the investment all these will makes a difference lah


ya, ya, (mmhmm) (uh huh), !wah! investment ah


I think we have a I think maybe one of the barriers is that we have a distorted understanding of investment bro it it at to me at least ah it feels like uh when you talk about investment I thought like, oh you must have like a huge ass capital to, uh invest but actually you can start off small


ya unfortunately


(mmhmm), for ya, excel sheet, ya


ten percent that's assuming three K, three hundred ah, this is first


consistent ah but, but is this uh specifically for investment or is it insurance, linked so you


or you keep it separate you don't have any eh you as in your insurance that you, is is not ILP right, your interest in insurance lah, oh, wait ah let me see (mmhmm)


how much did I put inside, is it I mean sorry you were saying, ya


ya ya actually uh, okay yours is three hundred right actually mine is around the same it's just that okay this is I haven't sign up for anything lah I was thinking number one is, uh because my financial advisor uh he talk about uh you know the whole life plan right so there's whole life plan and there's also investment linked product it's just that ILP is more pro wealth accumulation so I was thinking of that uh and monthly


the the package is eight eighty dollars which I think is okay and then ah sorry, no financial advisor will will do I think they have a team lah team within that ya to to do it then the other one is the DBS invest saver I was planning to put monthly around two hundred


then that's about it lah actually so far this is what I have kind of, forecasted lah ya what what what about you, (mmhmm)


(mmhmm) (mmhmm),


(mmhmm) , so that means your he will wait why don't you okay just wondering uh because I think


you, it is quite it is possible for you to, to invest, by using like brokerages and stuff, so you prefer to go to your financial advisor than to independently do it lah


yeah you you will just what, oh emotional lah


ah ah ah ah, okay


ah okay okay, actually I didn't know if I didn't know, you can, wait so what kind of market does he have access to, ah okay


ah, oh yes yes yes FSM one


ah (uh huh)


(uh huh) (uh huh), (uh huh) (mmhmm) (mmhmm)


what was it was it a regular savings plan or what, oh okay !wah! here I didn't know I didn't know an FA can do this so that means you are trusting that FA to to make the right call for you lah but he is experienced lah


oh decision's yours, ah


[orh] okay interesting interesting don't know whether my FA does this, but, but I am when it comes to this maybe I would prefer someone


of your FA's profile because he is more experienced, ya he's like two or three years older than us, only ya so not that much experience ah


sorry uh ya correct


oh shit ah ya ya correct correct ya


so far okay lah trust worthy it seems but err I haven't, I'm not I don't dare to jump into it, investments, uh because I don't fully know what is it ya I don't have full knowledge of it yet lah but but this is a


ah , as it I did I did online lah as in all this uh what whatever you just said uh, uh, but I just didn't know that you can do it through your FA that means he he he's somewhat acting like a broker like that


interesting maybe you can ask him okay we have three minutes, !wah! you think, bro you already doing it right bro


but I cannot lah you can, I bro I cannot ah because my line of work once I get into it I mean time as in tuition I think can lah but err, okay the only thing that is possible is tuition but I don't think I will want to do it because I think that work is quite taxing already


plus like for you you are a an educator so you apply that knowledge to for me it's, so I don't think I ya


wait ah ah man I didn't tap my phone ya so it died at ten minutes


ya K ya, ya I didn't see, six eighteen PM submitting


okay okay what extra income ya, but once once you full time how how you how many, students do you think you can take


just ah, ya,


you bake or what, ah correct correct correct


oh I don't think I can do any side business at all bro, sorry, no no no it's shift shift but ya but it's quite strict ah uh in terms of the administration ya I think I need to declare it


let's say I want to do a business you need to declare and that is pending approve as in that is depend on whether I if it is approved or not it's quite strict it's quite strict, ya


negative experiences, , bro this is this is an area we have never already talk about


ya, that will be that that will be my fear lah but err I've not


as in so far okay number one within my relatives there are people who, who have passed away quite a few actually but I was just wasn't close to them so I didn't really feel anything much lah err


so far as in I've had friends who have had friends who passed away also I also had a friend who passed away but I wasn't close to him so I did feel sad but not it was it wasn't really eh it didn't really feel uh, I didn't really feel uh hole in in in my life lah err


I guess back to the point of the of the breakup thing ah that was it lah that was it err and I guess the reason for breakup also it was a bit lame lah as in uh it was I don't think it was strong enough reason


to you know end the relationship, so uh that it was it lah for me, ah describe my


eh ya, ya I mean K but granted that I I didn't release, was not as long as uh like for you your relationship would is quite long so if if it were to happen it would sting even more lah


but although it was not that long eh I still felt it lah because of course lah if you if you love someone you, you you you wouldn't want to do, ya so I think that was it, ya for me how did I deal with the loss I busied myself I busied myself I make myself busy to to


that so that that that was how the opportunity started to came and then I thought it was good then I like okay the first thing that came was uh working at mediacorp, and then the Mendaki err tutoring thing so I just wanted to keep myself busy and productive and at the same time earn money ah and eventually that became like a part of my hustle so uh it was a smooth transition for me out of that uh


sadness, that's for me, what about you, ya, (mmhmm) (mmhmm)


(uh huh) (mmhmm), (mmhmm) (mmhmm)


(mmhmm) (mmhmm), (mmhmm)


where where was that bro if you did this thing


(mmhmm)


is a, sorry, if, a lot of things happen at the same time and then I don't have enough time to react ya that is for me ah because okay (ppc) maybe it it it boils down to my personality


err I'm someone who likes to plan ahead like even for my my malay language society I like to plan ahead so sometimes you know err the downside to that is, you are not spontaneous enough uh you are not spontaneous enough to to react to the situation so err I think


there was this period where a lot of things started to come at the same time ah and then, the deadline was short ah I started to feel overwhelmed ah like like a not panic attack it just like oh there's a lot of things to do like which one should I, prioritise ah there was but there is uh always an initial


reaction ah uh but after I uh, err, uh after give me some time then I will calm myself down and then things will, start getting clearer, once I start delegating the job ah but if it ya if a lot of things happen at the same time uh I I can get overwhelmed ah uh


ya that's ya that, ya ya correct ya, that's that also actually why I you know when it come to university a lot people do last minute work right


and then they do well right I not like that I cannot the only reason I I don't do that is because I cannot do I cannot perform, ah last minute like some people want love that adrenaline rush I cannot I like to plan ahead so that I if any mishap were to happen any adjustment I have enough time so for me it's more about having enough time so if were to compress that time I will definitely


feel a bit pressured ah ah than the stress will come in ya that's for me ah,


(mmhmm),


actually no that time when we were in paris (ppc) were trying to catch a bus back, it was a bus right ya bro that one I was I was , I was a bit stress because like we were running out of time and I'm not used to the idea of uh like we be there on time like we have to chase the bus like it it up it seems like it was boil we were you know I it all boils down to luck that kind of thing I I will get stressed when it come to that kind of situation so I was a bit stressed


but okay ah we we did get the bus, (ppc), K !huh! my what ya ya tap tap tap already


want to go first, you want to go first


when ah oh that okay, ah


but


how uh the injuries were minor on you just you just fair lah but but it was it could have been worse ah


I see I think it's a it's a normal human reaction ah that because you were really experience it then you felt scared to, I can understand ah I I can relate to that


ya, I you know last year I went on a diving trip right I I almost drown did I tell you I almost drown, well that was


K here's the thing so after that you you know what happened right I I almost, err almost, ya and uh my oxygen almost err, basically I almost ran out of oxygen fifteen metres no twenty five metres underwater quite deep so after that right whenever I go swimming right I have this like relapse in my head you know


like I don't know it it just split in my mind that eh am I drowning then it just played my mind but ah it's a mental thing ah ah because you went through it then then ya but ah it's not that bad but ah the scenario keep playing in my head ah


ya that err, ya, there was but would would I dive again I did ah the next day I I dive


again ah ya it was okay but err I think I think what made it really scary was the fact that err, okay number one was uh it was poor visibility cannot see anything and then I was that dive was it's a deep dive so that was the deepest we went


ah so the fact that it was twenty five meter underwater and then when I err submerge like uh when I rose to surface level ah I didn't do the proper safety precautions ah so I I could have gotten some ah


forgot ah what's the uh some sickness or what lah I could have gotten that number one then the other thing was that if I break the surface, and then there was a boat that you know !wah! because I book the surface without warning so they could have been in a boat that just pass by ya if ya if if I happen to hit the motor the rotor


ah ya ya basically something might have happened lah but ya uh !wah! ya, and it was it was quite quite scary to think about it, some more it was on my birthday bro ya


ya ya lucky ya , what do I have to worry about ah that's a good question a lot of things ah


err because , I think I think of a lot of things like uh my career err what will happen in the next five years err my parents a lot of things ah it's hard to pinpoint


one ah uh basically it's all like looking ahead kind of, thing ya ya, and I think I think for maybe for us or at least for me we have been quite fortunate a lot of times in our life so we haven't hit we haven't got hit a bad that major setback hopefully it doesn't happen but ya you know some of our friends you talk to them


they have had ah they they have faced like uh really major setbacks in life and then, you you ah just you just, sit there thinking it actually I'm quite lucky ya, actually maybe the circle of friends you mix with I don't know lah but actually when I look at it I am quite lucky in that sense lah so I worry about this also what is that setback that might


might, might happen in the future ya


, correct


ya, ya ya


(mmhmm), ya go ahead ya ya ya, ya actually true because you are still a student you would know somehow where you would end up


doing, (mmhmm)


ya actually true ah, , but why is a that one biggest, uh worry for you at the moment


(mmhmm) (mmhmm) , , (mmhmm) ya (mmhmm)


yes yes ya think around the same ah same same worries err, actually ah uh career wise ah I just don't know whether just scared that I end up hating my job or what, ah ya that is one of the one of the worries or fears lah


I mean yes I'm excited and all but then five years ahead you don't know what all the culture could be shit the a lot of factors could could have been involved, so uh the reason to worry there's a reason to worry ah, ya


ya ya different environment mah, ya ya


ya, as in that's what I feel also [lah] but (uh), that's the worries is (uh) inevitable [lah] (ppl)


(ppc), part two positive experiences, it it


yes your yes what's your best birthday present and why,


, (mmhmm)


(mmhmm) nice bro after four years, ya ya definitely ah, best birthday present ah wait I'm going to to recall actually once I have okay ah actually


once I turn past twenty two in terms of celebration nothing much eh just at home, err if you want to talk about meaning I I guess uh it was in twenty seventeen because I had someone special lah of course it's nice to celebrate with someone special


but but err, ah then then it for me nowadays my birthday is is is not anything that great but of course uh it's always nice to have you all, surprising me at twelve every night eh every year , I'm not expecting the same but uh uh ya it it it's it's nice ah present


okay present ah okay I think the studio is is is uh solid because I would never have bought it on my own ya ya uh actually all the gifts that you all give me


uh most of the time ah, ah, on point ah not all the time ah, most used


ya correct correct correct same ah same lah, uh, what is your biggest blessing in disguise bro ya


okay, , (mmhmm)


ya, ya (mmhmm) (mmhmm)


(mmhmm), how long did you have to make that decision ah whether to study overseas or not, (uh huh)


a year, !wah! !wah!, (uh huh)


!alamak! my friend go text me !aiya!, ya, no no no my friend text me then a notification pop up I already airplane mode know


ya it auto stop it's only four minutes ya I tell him don't text me, the submit ya,


wait ah wait ah


but how do you go about uh, wait ah wait ah sorry ah sorry ah ah hi ah it's only four minutes so we are left with around thirty minutes do you prefer if I submit a new recording or


okay okay, can sorry how sorry ah so how did you make your decision ya do you consult your parent all these,


okay okay (mmhmm) (mmhmm), (mmhmm)


ya (mmhmm) (mmhmm), uh ya it is huge ah good thing it did good thing you went ahead ah I mean I mean I would imagine it was difficult in your position cause you are the only child and and stuff and I mean your your parents have a lot of attachment towards you so leaving them will be will be very lonely for them ah


ya ya ya ya ya


oh good thing bro if not you will be in NUS life sciences bro , bro you were right then ah at least I think it's deserving because of your grades because of your achievements whatever that you went overseas


and and went to, to a valid and even better university than NUS, ya so I think its well deserved and good thing you took the chance ah I think you will regret ah if if you if you know, ya ah it's always


my blessing in disguise ah I would say, err I would say my breakup ah bro I mean it's not that bad of a breakup if you if you if you if you put things into perspective not that I mean it's just another relationship break up ah but


it's just how it's more of why is a blessing it's more of the opportunities that came right after the breakup was was I I was imagining if I was still in that relationship would I have, still taken up such an opportunity so like like after the breakup I I work part time I did internship then I took on bigger leadership roles ah I did bigger things


I even went on err summer exchange I think maybe because I I was quite serious in relationship I I thought of you know what ah maybe I want to marry this girl what so financially I mean financially I'm not that, err I don't really have that lot of money so maybe you know to counter that I would have you know try to curb on my spending ah but so so that would might suggest that I wouldn't have gone to exchange ah but


but uh ya lah but I it it we broke up so I don't have that kind of basically I felt free ah so I I, I could do anything that I wanted to do and it was great ah ya ya I wouldn't


have time for the relationship also, ya, ah I had uh I was quite busy, ah but but, no but it's good ah as in as in looking back I was quite thankful it happened ah


ya that that I have to, you know, it's just that sometimes boring ah but that one is just like a third fifteen minutes kind of thought feeling when you think like that


ya, ya ya fulfilling ah fulfilling it was fulfilling it was fulfilling uh


what what is it bro, what what what is it , not uh I not specifically Char ah but #kway teow# ah, yes actually I don't know about yours eh


dessert ah dessert right but you do you consider yourself as a sweet tooth as someone who has a sweet tooth, ya


ah, but,


I see I see you feel sad bro, bro when you feel sad bro, , I think it both of us we don't show ah we don't show right we don't show so you never when when we are sad


right, right right, that's true, sorry, as in usually when it happens it happen at night then like ah then sleep ah then wake up okay it's just a passing thought kind of thing don't really indulge in sadness that much but is it can be a bad thing lah like like uh


ah can ah can be bad thing, my, true I won't err more of a comfort drink bro, hot chocolate bro


hot chocolate bro bro you knew it bro ya there was no comfort food there ah, hot chocolate was the way, to to go ah


ya not much of the weather but it's just I like it, overseas ah


home buy or homemade, mostly homemade so you cook your own ah


ya bro, fried rice is underrated bro actually ya when I went overseas also that was one of the meal that I, cook for myself simple lah ya simple but nice


and cheap just need rice and eggs


keep ask question , okay, maybe we go to who in your life you look up to at most and why, who bro depends ah it depends on what aspect of life you're talking about because I do have many many as in not many but uh a few people who I look up to I as in within our if if let's say we talk about


academics wise ah I eh you are one of them err, and also another friend of mine uh these are people who holistic ah like uh not just mind but but can uh you know good with people and and stuff lah


so you're one of the people that I look up to in terms of religion there's also another friend of mine uh because when you talk about islam, when talk about islam within our family you always talk about what is prohibited what is not Halal Haram but I think


err the essence of islam is good character ah and I do have a friend who I think embodies that ah like err, err, he he he has just has good character and, and and and stuff, lah he's a actually he's a president of the NS muslim society so I think I'm not the only one who feels that way a lot of people feel that way towards him so he is one of the people that I look up to


err what else ah, I am sure I'm sure there are also other people uh but I just can't err you know pinpoint on what other aspects err, err but basically I admire those who


who, who work hard and are driven ah, ya ya,


ah (mmhmm) (mmhmm) ya ya


, ya ya agree ah agree


perfect day, you go first ah bro,


spot on bro, (mmhmm) (mmhmm)


(uh huh) (mmhmm)


(mmhmm), understand understand understand like we look for


that sense of productivity you know you have done something I think eh for you are a early riser right, err, for me I mean along the same lines ah but maybe for me a perfect day will be a day where I can uh wake up without being forced to like uh you know I think usually if at eight eight if you ask me to ask uh to wake up at eight AM uh


feel groggy still so uh maybe around nineish uh wait sorry let me try to, uh, a perfect day, ya, okay basically just to summarise a a day where I get enough rest and I feel happy about the quality of sleep that I've gotten err my exercise would be I prefer to do it like at the end of the day ah nowadays I


run at night not not in the morning but (err) ya [lah] ya I nowadays I run at eleven P_M (ppl) ya so [oh], okay hang up


financial related topics, okay so, what's one financial advice that you give to the five years old five few five years ago <P2>imran</P2> why don't you start


twenty ya


ya


ya uh ya, I definitely agree I agree ah I agree I think the conversations, about, financial like finance itself the conversation five years ago never happen like even between


err, err like friends and family you know that so ya the financial advice that I will give to myself is I mean same same as you uh start investing more more often also is like take every opportunity to start, earning as you


I feel the that that time at twenty we were having like so much free time bro it was really, (ppc) like, the prime of our youth we were having so much free time but, didn't really use that much of the time, to think about finances or financial and that is the biggest mistake I think


is like, I'm sure there were some people they were they were like researching looking and went to what to do how to save how to earn but we were just throwing our time away, I think that was a ya, ya ya man!wah!


actually that's that's good that you had you friends like that ah but are you still in contact with them, are you still in contact with them


oh, damn, yeah ya


actually five years ago would have been a good time for us to do this this kind of thing like practice with a dummy apps or something like that, that we would have learnt a lot, the compared to like getting to like starting now but I guess it's it's it's not too late lah


so what are your opinions about the the financial advisor or DIY considering that you know like now we are starting to learn about finances also do you still think like you need a financial advisor, ya ya ya


things that we're not really sure of ah right, I think the moment I contacted my financial advisor it was the time where things started moving before that I spend the longest time just thinking about thinking about, doing things whenever actually doing it


ya then when you you know where at least like when you contact the financial advisor, they like you said lah they lay the whole plan down for you it makes it achievable, right, especially for for for us it's like cause we don't have that kind of experience with friends or family we don't know that much so I think a financial advisor is like a is a good


step, same lah my my parents never understood the need or they always had a negative connotation about financial advisors ah


right, ya ya ya ya ya, so we grew up also thinking about thinking like that right, nah I was very hesitant to approach a financial advisor


yes ah


it's more uh same ah like I think it's just because when we started, working eh just a natural progression right to that think about this kind of thing so when I when I bring it up to friends so then they started, talking about it and made me want to find out more also, ya ya it's a I


as in I know that some people start during NS ah, I do start an insurance coverage during NS, but I think also like, I would I would never have done that lah so I don't think as it and and the thing is about insurance is once you once you start then you you know like you you wouldn't even think about it until you start so I don't I don't really think it will be much different also


ya, ya that's one definitely ah, ya, like I always to thought the thought thought that it was something unachievable like like not for the common man like not for you know for us


until like now ah ya investment, ya


ya ya ya, it's just one type of invest there's a lot of ways to do it lah, ya that's why, she was taught this in school man, ya, how much do you think of allocating now that like as in we are thinking about it right how much do you think you will allocate


for investment as part of your like percentage you will pay or something, excel sheet, for me right now I'm thinking I don't think it would stay the same mah but for start starting wise I'm just keeping it low for investment for now I think I'm investing about


ten percent or fifteen percent of my pay, for now I think I just need to get a feel of it, doing doing monthly ah in a in a regular savings I mean uh the


ya the dollar cost averaging, no no just specifically for investment, so investment and insurance ah for me I keep it separate


no no I don't do the lLPs so my insurance is kept back is kept separate from my actual investment plans, ya


yours also like you are ya, you you also so you going to start soon right like because you going to start working soon and you going to your're plan you're planning for your first paycheck also ah, ya ya ya so


but for your ILP are you actively managing it, or is it your financial advisor do it for you, uh ya ya ya


ah for as it so for me I didn't do the ILP thing ah cause I think at that point I wasn't really well informed and I think, I would, uh I I didn't know enough about it ah so I didn't really sign up for it so that's why now I'm thinking about what investments I can make to make up for that


in a in a way lah ya so, to me I feel it's err, uh, I mean it's it's more of like now that I don't have that I'm I'm thinking about what stocks I need to invest in or what exactly is my investment so I need to do the thinking of instead of my financial advisor ah


but I did get some advice from from my my FA, regarding like if any that there are any unit trusts that I can purchase uh with him helping also so you recommend these he recommended me some also so I started there was where there is where the ten percent is going to be allocated to


ya


ya so for my first my first investment I think I will just leave it to him so that it's sort of like, detaches me from the, uh, from the investment itself like I don't want to be very heavily involved in my first investments so I'm because I'm scared like I will just react as per what happens to the market


like react too fast lah like you know sometimes like when we see loss or gains then we we #kan cheong# or something like that, ya, and the sales charge that that my FA is planning to charge charge is not very bad also is zero point five percent


ya so I think it's it's fine lah for me for the long term I think it's okay, ya


they okay so for my one I think it's pretty company specific, I think so ah but I don't think my, so he is acting as a as a advisor for me and he is purchasing on my behalf


but I can still like look at my holdings and all that through the app, uh is by it's through FSM one if you know funds funds supermarket, ya, so I'm still getting like I'm still getting updates on it and I still know what what is happening but he is the one who make the the deduction and the papers for me ah so I just sign


but the rate as in so FSM one there is no charge apparently for for unit trusts and ETFs there's no sales tax but my my my uh FA will charge a zero point five percent lah so it I think that time I started off with one hundred dollars a month


as in I was I was I was planning to sold one hundred unless he quoted me fifty cents of each month, so I think that was pretty ok lah, ya, ya so same lah so so hundred so ah he was proposing hundred bucks a month


ya ya that's why so he, , actually it's not really right call he just recommend me what to what to take


so he he told me if ah and then he makes it possible because some of the unit trust you on like as a like on my own I cannot uh I cannot get the regular savings plan so I cannot put in just one hundred on my own so through him I can do that, ya ya


I think you can ask ah but also it's ya it may be different a bit, oh so your one is is is your is young right is young right for us


ah okay K K, I mean there's pros and cons ah one thing is that when you're buying a whole life plan you you want to you want to see the same as me throughout , when you buy a whole life plan you want to see the same FA throughout


ya by that time I I think one of my uncles bought a whole life plan from a older person then, halfway he had to change insurance agent because the the the he's actually passed away, so you have to switch switch agents also so is a bit different


but I think the person itself is important like the fact that you trust the person, ya ya ya ya


true true, ya ya ya ya I'm pretty sure you can ya something like that lah


the next one, what can you do to earn extra income,


ya bro I mean, actually like will you have done,


ya ya ya ya very true ya lah ya, that's true ah that's true I mean apart from from this the next best thing is to


have investments that return you dividend ah, then that can be your income in the long run, ah


ah mister samsung please okay, okay ya so if you


I mean I think it's fine lah I think I will still do some tuition on the side because I think it's quite a good source of income and it gives me it gives me a refresh also like about the syllabus I have to keep re-learning I have to keep re-teaching to different groups of people so it's good for me as an educator


it it it helps me practice also and it I mean it earns quite a bit of income on the side so I think there's nothing wrong with that, uh apart from that ya lah like but what you said like I'm just looking at whether I need to have side income like dividends from the


stocks and investment options that I'm planning on taking, apart from that I don't think so I was thinking of side business like, like, selling bakes bro like cakes or something but I don't know ah ya like bake baking some some stuff


but everyone everyone is doing it I don't think it's it's worth the is saturated is a saturated market eh so I I decided against it lah, ya apart from, your your your your job is going to be shift base right


or is nine to five right is shift ah so that's, oh you cannot do it is it, okay K K


(mm) so I guess that's


negative experiences, K, have you gone through any loss in your life


that's quite sure ah in our entire, ya we rarely actually talk about it, have you actually gone through anything like a loss of a member or someone close to you there was a period


ah ya you saying, ya ya ya ya


but I mean definitely like it was is it was uh, it was a big thing initially lah when you lost that person from I mean like just not physically lost but in terms of relationship you lost that relationship


just at, ya ya ya ya ya


for me , sorry okay, ya ya


think for me, I mean similar lah like what you said, uh, I think we've been blessed to, so far have have had very little loss in our own personal lives lah then we are like like people that we are personally close to compared to friends who have lost uh


ah very close friends or very close family members the closest that I can think of is really my my aunt and she's really like one of the most, my grandaunt lah my grandaunt and she's really one of the most uh caring and loving person in my family so it's my my extended family she's really the most caring and loving person she remember all her grandkids grandnephews grandnieces


eh every #hari raya# she would you know she would like talk to us kiss us even like the twenty twenty one she will still continue to kissing and hugging us and she had, a pretty, uh long and hard battle with cancer


and I think it was quite sad for the whole family ah and also for me even though there is not a like like direct family that, you see every day but it's because of her loving nature that really made us all feel that you know that was a loss that was a big loss in our family in that point


ya I think it was big enough for us to feel it for a few days at least like just the loss of that person, and I think the only thing that made me the okay was was literally just my family lah like just having the closer ones around


I think that help a lot and, ya I I honestly cannot imagine how it will feel like to be, if it was a someone personally close to me, ya but that was


that was right before I flew I think twenty fifteen or twenty sixteen, ya, ya it was quite as in because her she and her husband passed away at the similar time it was two or three weeks apart so we had to we had to deal with two losses at around the same it same same same time


ya so I think it was I mean it was definitely ah a a big loss for her kids but for us also we felt it lah definitely, okay


what about stress, what make you stressed,


so you like because you you prefer if you plan things out properly and things happen in in in sequence ah so when things get jumbled up right, ya ya


, right, ya


I think I'm the opposite of you, like, I really but I it it causes a lot of self inflicted stress so I get stress when, err, things start I mean same lah as I get stress when things start piling up


but, at the same time that stress, sort of it's necessary for me to function, so I mean like the I don't know so there is that is really like a you know like I hate myself for for for for causing these because but I do my last minute work


and then I get so much to do in so little time but then I keep doing it but you know but that there is probably what makes uh makes me the most stress because I'm naturally very, optimistic so I think I for the most of the time I I refuse to feel stress until you know it's stares me right in the face and I see okay I need to be on the ball


ya, a lot of self inflicted ah, ya ya, there was there was stressful


ya, ya


ya , ya, K have you eh you tap your phone, you tap your phone already tap your phone already K


what is the most traumatic incident you've ever experienced in your life, sorry, traumatic incident that you've ever experienced in life, uh


I have nothing about this one, I think there was this, incident oh ya it was my accident


that was really traumatic, it was a uh twenty sixteen when I first got my my bike right, ya so I was turning in the right turn pocket, of the in the junction near chinatown


then I I I mean I I don't know what happen but I somehow like I went, like, I went to collide with this taxi driver and I, fell but I mean thank god that nothing happened to me or my friend ah that was the biggest uh I mean it was very lucky of us but at same time I remember a few days no not a few days later maybe a week or two later


I, I went through that same junction because that's a junction that I take to get to work, so I went through that same junction I remember being so scared to, to turn you know because I really like I really remembered everything there so I remember whenever I got through the junction for a few weeks I would will be actually very traumatised


and I remember that very distinctly like like because there was such a like it was such a shock to me, ya it it is not like those kind of like a the minor accident it was actually quite a big accident like thinking about it lah like as in it in it was really a close shave for me and I really kind came out lucky on the other end but


but ya it was really traumatising, I had no injuries ya, it could have been so much worse my entire front of my bike was was gone was gone like cannot like it cannot like you know it was totally damage none none of the parts were were were working


ya so I really missed it but by that much, ya, ya that fear is crazy


ya ya it's, I mean we we riders we I mean we see this kind of things like all the close shaves uh on the road also is quite traumatic ah


what about you do you have any, incidents (oo) ya ya ya, ya ya I think you told me that that sorry, have you gone diving after that though


ya, so you got you you struggled away from the from the, ya ah ya


, ya ya ya ya ya ya


I think like honestly drowning is one of the like is the real fear like for me also like I think drowning is really something that I've I'm I'm scared of,


so it was okay lah ya, ya ya ya ya ya ya


ya, ya that's why definitely ah, that's why


ya I mean we were both lucky ah at least, K, what do you often worry about, right ya


I just worry about the future right, ya ya that's why that's why


ya definitely ah I think right I think like, for us when we were growing up we didn't really have


and I mean for us we personally we didn't have any like stressful or or life changing situations and I think our friends also generally also did not or maybe they didn't share with us, ya but as in now since like you know things are getting real you know and uh we are working and so much is on the line for the future ya definitely ah like I worry about career


I worry about what's going to happen I think that what's going to happen in five years is very very, legit like I would I would be the most that would be the the thing that I worry about most like you know because it so uncertain and now that we are closer to the age like we see how uncertain it is at least when you were in school you could see that oh in five years you know I'll be here I'll be in secondary I'll be in JC I'll be in uni


and there's a end goal where we can put on put on our minds now there's nothing to do it, that's the scariest part right


ya exactly, I think I never used to worry about the future the the only even in NS because you know that, that's that's like you know like it's not the end like you still have goals that you can achieve and the goals are set for you but now it's from here on out it's gonna be setting your own goals


uh, and also like your your your like setting your own like family plans all these, ya


for now I think I'm at the stage where I'm really thinking about, career so I think the biggest worry for me is like what's going to happen to my career in five years time and uh what do I do now to make it so that you know it goes it goes where I wanted to go ah so I don't want to be in a position where I feel like I'm not doing enough you know or I'm like stuck in a certain position and I hate that feeling


so I think that is that is about it lah because I think it's just that transition from being a student to being a working adult now, you know and now like okay suddenly like okay this career and and like what you do in the next few years is going to make a lasting impression you know it's gonna affect how you rise up and all that


ya, think that that that would be the most ah, apart from that family ah like just the health of my parents, the health of my grandma, I mean they are getting older as we are getting older, right ya


ya I mean that's because ya ya ya


definitely ah like it probably make you a bit anxious like the first day of work, reporting and all that, because it's a big change also, ya, ya but I mean is the is your is the job that you that fits you


it really is [ah], I feel at least for now, ya ya


positive experience, K, my best birthday present, !wah! to me


it was it was really last year lah it was the whole, the whole birthday party like that whole entire birthday party I think that was the best birthday present that anyone ever gave me like, because I think I'm not much of a gift person like I don't as in eh I appreciated and I will use the gifts that people buy buy me for as long as I can and I I really appreciate them uh but the biggest thing that I


I would love is when eh having my friends around during my birthday, and I think having everyone, there on that day last year that was the biggest thing that, that ah that that that that that


meant meant the world to me, yes ya totally after three years of missing birthday parties being overseas, what about you,


eh don't worry bro yeah I get what you mean


the earpiece right , ya , actually honestly the the jabra earpiece that I I got from you all also is probably the most used birthday present that I have and actually ya like and I really am happy about this lah and everyday


ya ya, K what is your biggest blessing in disguise, you asking me


honestly it was it was when it was it was three years ago that that entire studying overseas thing it was, my because I I mean I I started off the entire thing, (ppc) , entire interview process like searching for unis searching for scholarships and I was fully intend on going local going for a local university


then I went for the interview and all that then suddenly they they threw me a curve ball and they say okay I'm sending you overseas like I can send you overseas and then I had to think about like you know the friends family relationship and everyone around me and I was like !wah!, it such a bittersweet moment and I didn't know like


how it would be lah so I was pretty nervous at that time and I was very quite quite quite stress in the few months that I took, to, decide whether to go or not, but ultimately I think like reflecting back on the past few years is probably one of the best decisions I've made ah


I didn't know that it would be I didn't know that it will be as uh impactful as as it was so I I really didn't know that that decision from that three years ago would affect me so much and would change my life so much, so I think that was really the big blessing I didn't I didn't know it would it would be that


as as as big as that lah, !wah!, ya I was waiting for my that I was waiting for that kind of email like the did it like you know to to get the email for close to a year by was only given like think two weeks to respond


ya so that's why I was really stress, ya, along with like applying to all the the universities that I I I am now like uh uh able to so I had to think of all these within the two weeks and I was super stressed at that moment


but it still on right


ya ya ya I'm good I'm good okay can problem ah


can ah, so that's my blessing in disguise, I think I


okay this side ah !wah! that, I mean my parents will they were quite clear on their decision ah they really if preferable they didn't really want me to go at the start at the start especially at the start


but I really I think I mean I went to consult quite a few people I went to miss <P2>hannah yeoh</P2> like uh our secondary school teacher, because at that time I think we I mean I was, I I I I did an internship


ya, so that is then then from there we got close that's why like after that I I consulted her, so I mean she of obviously was saying that you should go for it lah that was a big opportunity and then like all my friends also saying like even like your what like you all were saying like should go so that mean that that that was that ah


ya ya definitely ya


definitely definitely, yeah and it was sort of like a guilty feeling lah you know like just leaving leaving for for one year like three years one year at a time so that was that was quite that was what was bothering me ah, ya but I cannot imagine, like anything else right now you know like I cannot imagine another alternative


your classmate right, ya


ya I also think so what about you, ya ya ya


ya ya ya ya


ya actually, ya, that's true ah like you were so busy, you were ya definitely not you don't have time for us bro


what, ya cool ah, ya


that's why but I mean you you filled your time right and in the end like the things you accomplished after that, like you know you didn't have anything to to like think about you just went all out you did all these things for yourself also, like everything work out ya definitely


eh this one the next question I can answer for you man what is a comfort food that you can always rely on to cheer you up, !huh!, my guess for you is #char kway teow#


, ya #kway teow# dreaming about it ah, actually I so what is a comfort food you can always rely on yes ya actually I think anything sweet


yeah I would I would think so, I, as in I think like I really like sweet stuff so but as in I like desserts but I don't like excessively sweet stuff


so I can put off when something is too sweet Macam if like uh sorry if like something is uh like a cupcake is too sweet or or like if you cakes that are, thick on the sugar ah I wouldn't like it but I like sweet stuff in general, ya


so generally that I always will look for like for example like if I, I feel sad I will I will definitely like try to get like a ice cream or even after a meal I always try to get a piece of, peanut butter sandwich or something just to like clean the mouth


so it's like a really big part of me, there are times lah bro


that's that's quite true that's quite true ya ya, I think it's more like we don't ya we don't talk about it maybe, like is is sort of like a feeling then you just deal with it through other means right


what do you usually do you sleep right, ya ya ya


definitely ah, actually when you in exchange what was what was something that you kept going for like the comfort food, what was your comfort food during your exchange, what what


ya I know I know , ya, so just a comfort drink to help you in your in the cold weather ah, ya okay


for me it was always fried rice, ya, so it like I think the only thing that I miss right so after two or three months then I'll, feel like quite homesick then I'll just make myself some fried rice think that's like the most satisfying


like part of it ah ya, like the like easily comforting to me, homemade ah over there like, most mostly homemade ya ya ya ya


think there was there was quite a big comfort food when I was I was over there, I mean it's like a warm plate of rice like you just so good and it's not only so good it also reminds you of home like you know like ya the breakfast the the, breakfast at home fried rice from your mum


right and it's like so easy also ya, ya


so uh what you want to you want to take the lead for the next question bro you wanna answer first,


ya please go ahead, ya ya


, ya ya


actually I agree with you lah like as in it's hard to pinpoint, an exact role model especially at this age like you know you realise that like I know everyone not everyone is perfect so is like more of you look towards good attributes from the people around you right


like if if you like if we going in a group also like the I will look I will look up to your your all your accomplishments in the past few years also like all the drive and the discipline that you have, at the same time like I will look up to


think is like Haziq like our the, the our our mutual friend Haziq that has this this devotion to to uh religion and also he's he's uh his like volunteerism and all this, so it's really more of different types of of people that you really find find unique and you know that you you like I mean there's always something to learn from them ah so I think that's that's that's more more than just choosing one person to look up to


ya, !wah! this quite interesting describe your perfect day, ya


why are you going to say your perfect day is sitting down sitting at home or no bro your perfect day is when liverpool wins the that will that was your perfect day my perfect day ah ya, I think actually my perfect day would start early lah I would I'll be able to wake up early maybe like watch the sunrise or something and feel energised


maybe go out for like a jog or go out for exercise then, I would say work in the morning like like if I'm if I'm feeling very proactive I think like work is definitely important like I would need to feel productive for the day to be perfect


and then I will need to like finish my work early and then, go out and and chill with friends for the rest of the day, ya, that would be perfect ah like a mix of both ah I think like I I don't like, the idea of staying at home all the way I need to be up but I also don't like just being out with friends without anything accomplished for the day


ya ya ya definitely, ya ya


(uh) it so like after everything [ah]


financial related topic, so what what does it say please share your knowledge about financial products (ppc) (hmm) question one do you invest in crypto


(hmm)


actually I'd I'd differ a bit eh in terms of saying that uh okay cryptocurrencies are new technologies I mean they work on blockchain which apparently has been here for quite awhile and using it in terms of, uh financial means is uh something that has been theorized for quite awhile with it's just that uh previously the computing powers of uh of


servers and so on but not as as great compared to now so there's this thing called, I mean engineering uh there's this term called moore's law MOORE uh law which basically states that uh every five or ten years or is it every year sorry I can't remember the computing power of uh your semiconductor devices and your chips right will even uh essentially double but


uh we are currently reaching the end of this uh moore's law period where you are, breaching exponential gain right because always times two, because uh we are facing like physical limitations ah of the amount of uh bit rate that the device can actually send but because of the hardware capabilities that have been evolving over the past few years


it's actually allowed uh computation speed to increase and that's how people actually mine cryptocurrencies correct, for what you know about cryptocurrencies that is secure because uh actually it allows for decentralised computing so meaning that each time we sent a trade someone


everyone else who's inside the web will have a receipt of the same trade so it's very difficult for someone to hack into the system and just change that value because everyone else would have the same receipt yeah, (ppc) so personally actually I don't invest in crypto err I mean it's a very interesting technology out there but at the moment still a bit too volatile for me


yeah


, if we jump ship to the next block


okay lor okay lor okay lor uh stock market currently no uh although given the current market situation I I do think that uh learning how to invest in the stock market it will be definitely be useful because uh I mean uh even that's uh like our wages grow up go up


there's always inflation so your real wage increase is actually uh not as proportional yeah uh compared to the raw value and so I feel that uh especially this period when the interest rate is so low, uh it might not makes so much sense to to put so much into the bank uh compared to investing in like uh financial products I think so


yeah, ,


yeah (hmm), then what do you actually look out for in terms of investing or picking a stock


actually what's the difference between S&P and uh Dow Jones, okay ya


fifty or five hundred ah I thought it's S&P five hundred wait let me , yeah


but actually think talking about this uh I was just thinking that actually nowadays, if you talk about supplies you know the highest ones are more or less the tech industry so if somehow the tech industry is affected right then the whole S&P will drop whether or not you uh oh we need to tap on the phone screen eh


so we tap at the stop or, or just tap oh right right right oh just to continue the thing right yeah so yeah so I was just thinking actually basically if, something affects the tech industry say for example prices uh of of energy price of energy uh changed


or say for example like your price of your chips or raw materials for those devices actually, increase or whatsoever then or a new technology arise then you have to face drastically affect the the prices of these and I think


say for example when we look at facebook right I heard that there was this period of time where they found that there was this uh cambridge analytica data breach and that caused them quite a lot of, uh a huge loss lah over a short span of a few days when uh <P2>mark zuckerberg</P2> was being grilled and so on


so I think there's many different ways you can look at it but I mean true S&P uh might be something that is a basket but the top products are still tech products and a hit in the tech industry definitely caused a huge for ya I'd say for now lah at least


yeah ,


(ppc) (mmhmm) yeah,


using robo investors (hmm) I mean I guess it's possible but personally I


I know some people use it and I guess like you can have a bit of peace of mind because you trust the company that built the software but then again putting so much trust into the software, reduces your ability to but personally I feel lah reduces your ability to gauge for yourself


like why the stock is actually value at certain way ya and so that that that kind of the learning aspect of it so eventually and you know that when you use this, robo what investors they actually take a cut off of your your earnings, so I mean if I'm going to pay for it myself I have the learning experience then eventually when I earned then I can keep more of the earnings myself


yeah


, I mean that that presume that there is a technological error right in a sense like maybe uh server is somehow down or something because of some hacking and therefore like it's not able to close the deal within the usual period of time


but I mean compared to human I guess machines are better at doing this kind of like, straightforward rule based task but the issue is with software so it's software I'm thinking for this, uh robo investors there's two forms one is rule base the other one is using machine learning AI so the the good thing about rule base is that you know what it works right is either yes or no is binary


like if it overshoots a certain value it can tell you when to sell and so on yeah but the bad thing on that is that, I feel that in this uh, I mean there's so many different uh possibilities out there, and if you are purely to use rule based you're be very sure that you have taken into count all different scenarios which are possible and to be able to optimize the


uh, the the rules alternatively there's also the AI version which uses machine learning uh deep learning and so on so how that works I mean for technological perspective is actually pump in information historical data and uh the machine itself would process


and then come up with a certain trend that it believes to be right uh and, I mean it's quite similar to having a a personal banker or whoever just looking at past data and just learning from it right but I guess nowadays uh okay not not just nowadays


but like with every new situation sometimes you cannot always just look at whatever has happened but that's how machines learn they learn from the past similar to us but in a sense uh in certain aspects humans are still able to


uh merge different forms of data together so if you look at machine learning itself right say for example you have different let me think of the term different features different number of inputs which you have to specify, so you learn from this


uh different arrays of inputs they put in, and then from there it will just churn out a certain trend, what if there's something that is very important a crucial factor but previously you didn't factor that right and something like human emotion is very hard to factor so I guess the the way to look at it is like if you want look at a longer term human emotion will eventually even out hopefully it's like cause it's a random number right


from zero to one eventually even out but, uh at that period of time if you are doing like day trading all these variations will affect quite a bit, yeah and so in terms of AI machine learning you also don't really know what's the full logic behind it they just give you a trend and up to you whether you want to take it or not so therefore in machine learning there's this thing called training data and training data and test data training data is usually around eighty ninety percent


depends on the model that your'e using and you usually test it against the test data so usually they if they say the chip that the model is accurate, that's when they test according to the test data and uh it it it fits uh well lah but I think is it also depends on how well you split the data for your training and test data


if your test data is very similar to your training data then obviously it's like you already see before so you just come after thing again but if the test data is very different then then you can really see whether or not the model has uh actually learnt properly, yeah


(hmm)


I'm not sure if that's the exact term ah but I mean the logic is around there , yeah, (hmm)


(ppc)


, what do you think or what's your preference,


yeah , (mmhmm)


but I think lot of it is based on the assumption that that they will be more profitable, yeah so I mean I guess for us at our current stage now definitely they have more knowledge ah than us so in a sense that like


it is normal for us to want to tap on their wealth knowledge but then eventually I was thinking like maybe perhaps when we're older and a bit more seasoned in terms of investments and so on, they maybe you know how to read all the financials but then again uh it definitely helps to have a second opinion yeah and since like what you said they're doing it for their full time job


at least they can be focused on managing that that sum of money but then again on the other hand there's also a uh how to say, a downside perhaps like say for example if, they are not so close to you and then they do it just for commission so essentially you're just paying them but then you might not eventually get whatever percentages that they have


uh said that were part of the long guaranteed lah I mean obviously they put in as long guarantee but sometimes you still hope that part of that non-guaranteed would come to you into your pocket, yeah


, yup


nope still learning a lot yeah when I have the time, ya man ya


negative experiences, if you are going to die tomorrow what your last words to your loved ones,


, okay (hmm)


so I'm going to die tomorrow what will be my last, words, because we everyday also talk about it, what would my last words be,


why sometimes like if you are just caught unawares that this moment is going to be taken away from you, then you also don't really like know what to say maybe be a loss for words, yeah (hmm) when I'm calling


yeah I think sometimes school can be quite tough, and, especially when you're going to a field where you have, very little experience in, , ya think can be quite


drawn out in a sense where some people take a very short time to finish a certain project, but you because you have not so much experience you have to trial and error many different ways just to get it to work, I think recently was last semester


yeah , I was trying to code something and I I thought it'll only take me like one or two days at most yeah and ended up and took like one whole week and two two friends helped


to actually help me get it across yeah so throughout the whole period of time I felt like, , quite burdened in the sense because there were so many things to be done not just that one project but yet like it was holding up so much time


that I really just wanted to give up and just focus on the on the rest,


, when you try your best and you don't succeed


, yeah,


, (mmhmm)


yeah, I think something that's quite pet related also, was like a thing when I was when I was in primary school actually I rescued a cat from like the drain


and it was raining and all (ppc) so I think when you're young you like can just do that kind of things, yeah you are not afraid of the rain not afraid of being dirty and so on so actually brought it back in a in a box but uh because my parents won't like allowing me to keep it so I had to leave it outside


so just as I was going to my house going to gets some food for it right the moment I came out after, like the cat was out of the box and I couldn't find anywhere ya so I was like quite sad cause I mean I opened up the drain I reached so deep just to rescued a cat which I don't even know how it fell in and yeah it's gone


yeah yeah


(mmhmm)


reality hits in yeah, I think it's similar in terms of sports uh when I was young I thought I wanted to be black wanted to have like dread locks wanted be an NBA star


, ya so actually joined the school basketball team and all but then slowly I realized that singapore's basketball has, not much future in that sense and so, uh yeah it didn't make sense for my parents uh and myself to invest so much time and effort into it yeah and so I think when I was twelve or thirteen you know I was like


it's just like a hobby but it wasn't something serious that I'd actually invest so much time in, yeah and I guess like being in singapore's education system sometimes it can be dreams are shattered every day because we realize that the way our society works is (ppc) that we are so focused on getting the piece of paper to the point where we


uh neglect cherishing other aspects of, society maybe in a form of arts or so on which can still be very important but I guess if you are looking at uh the basic fundamental needs in terms of say the maslow's hierarchy of needs right


the baseline is you need air food and water and shelter correct and how you going to get that that's why that time in straits times they they had this whole list right of uh essential or non essential work and so on, doctors nurses cleaners and all are essential and artist ranked as the top for being non essential but I thought something very interesting was that uh some people said uh I mean while it's true that it might not always be the one that


how to say helps you survive but it's the one that you are you stay alive for ya so it's a I guess different purpose different way of seeing different things, yeah


yeah


, yeah, yeah


interesting I think a huge hot topic nowadays is racism, like when we talk about (ppc) racism in the US like they have their whole black lives matter issue uh and whole issue of police brutality


and I think for a lot of us uh in singapore we we feel that we are quite uh by it lah like how can they be so racist so biased and all, but yet closer to home nowadays we see during the whole election period everybody nitpicking on small little things that okay to certain places might not be so small so I have to be a bit more conscious in the things I said as well but like


I guess we might not be the angels that we think we are uh and in some ways it might have inadvertently, or like, come up with racist comments which we thought were harmless ya so I think